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Kalamazoo housing professionals stress deals and loans are plentiful - Ann Arbor News Blog
KALAMAZOO, MI -- Local homebuilders, real estate agents and mortgage lenders want you to know that the housing market may be soft, but there are great values to be had and lots of money to borrow to get those deals. That was the overall message ...

Local sweater drive spreads warmth - Western Michigan University Magazine
KALAMAZOO--Broncos across the Western Michigan University campus are helping to bring the spirit of America's favorite neighbor to the Kalamazoo area by participating in West Michigan's Mister Rogers' Neighborhood Sweater Drive. During the drive ...

The Next Subprime Crisis Looms - FHA-Backed Loans - Free Internet Press
The same people whose reckless practices triggered the global financial crisis are onto a similar scheme that could cost taxpayers tons more. As if they haven't done enough damage. Thousands of subprime mortgage lenders and brokers - many of them the ...

Once again, the subprime wolves are on the prowl - WTOL-TV
As if they haven't done enough damage. Thousands of subprime mortgage lenders and brokers -- many of them the very sorts of firms that helped create the current financial crisis -- are going strong. Their new strategy: taking advantage of a long ...

The Next Subprime Crisis Looms - Der Spiegel
Joseph McCloskey, a former director of FHA's single-family asset management branch, says workers reviewing lender applications have had difficulty for years tracking whether executives of previously disciplined mortgage firms were applying for new ...

FHA-Backed Loans: The New Subprime - BusinessWeek
(page 4 of 5) Goldman's dealings suggest another reason FHA-insured lending is booming: The federal guarantee creates an incentive for banks to buy FHA loans and bundle them as securities to be sold to investors. This is happening as the ...

Northeast Ohio job losses spread; experts say economy will get worse - Cleveland Plain Dealer Blog
Carlos Osorio/Associated Press The horizon is dark for automakers like General Motors, which has announced plans to layoff 1,000 workers in Lordstown. Economists call it the "paradox of thrift." As job anxiety spreads, nervous consumers are salting ...

Why did the first two school referenda fail? - Rhinelander Daily News
Election Day is Tuesday, Nov. 4. It will all be over then, none too soon most say. Besides the presidential election, state offices will be decided and the school referendum will be voted on for the third time. Why do you think the last two school ...

School for the blind starts visionary newsroom - Newark Star-Ledger
Ed Murray/The Star-Ledger Judy Ortman, interim executive director of the Concordia Learning Center, is interviewed by student Indigo Estevez from Newark for the school paper. There's a buzz in the newsroom of a New Jersey start-up newspaper, and not ...

Kalamazoo County swinging to Democrats, both parties agree - Kalamazoo Gazette
KALAMAZOO -- It appeared Kalamazoo County Treasurer Mary Balkema had only token opposition in the November election -- the Democratic candidate was a political unknown who didn't campaign. Yet Balkema, a former Kalamazoo city commissioner with a ...

Today's Mortgage Terms starting with B

Bankruptcy: A legal procedure in a federal court to relieve certain debts of a person or a business that is no longer able to pay its debts. Chapter 7 bankruptcy removes all debts. Chapter 13 lets a borrower with and income to pay bills off over a set period of time.

Bearer: The legal owner of a property.

Bill of Sale: A document that details the transfer of property.

Biweekly Mortgage: A mortgage with payments due every two weeks, totaling 26 payments a year, two payments more than a mortgage with monthly payments. The two extra payments lowers significantly the interest paid over the life of the mortgage.

Blanket Mortgage: A mortgage that includes more than one piece of real estate

Borrower (Mortgager): An individual who makes an application for and receives funds in the form of a loan and is obligated to repay the loan in full under the conditions of the loan.

Broker: An individual who gets buyers and sellers together and helps in negotiating contracts for a client.

Buy-Down Mortgage: A mortgage loan with a lower than market rate for a determined period of time.

Buyer’s Market: Market conditions that favor buyers. When there are more properties for sale than buyers, sellers may be forced to provide price discounts to close the transaction.

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