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News about Mortgages:

Stop low-cost housing drain - Detroit Free Press
Addressing Congress nearly 75 years ago, President Franklin D. Roosevelt called adequate housing a right of every American family willing to work. Fifteen years later, the Housing Act of 1949 set national goals that included "a decent home and a ...

On Native Ground - American Reporter
DUMMERSTON, Vt. -- Those who thought that last week's government bailout of Fannie Mae and Freddie Mac would stabilize the financial markets got a wakeup call this week. Lehman Brothers, the fourth-largest U.S. investment bank, succumbed to the ...

'It hit everybody' - Hutchinson News
Most were just children at the time, coming of age amid the Great Depression. But the images of growing up poor during the worst economic times of the nation's history have stayed with this generation of Kansans all of their lives. Dust storms ...

'This Week' Transcript: Gov. Schwarzenegger - ABC News
SCHWARZENEGGER: Well, yes. I mean, if you look at it in a political way. I think that, you know, that everyone will have a different take on what happened this last election. I think you can also make it very simple, and that is, you know, that ...

The dust settles - Buffalo News
Barack Obama was elected our first African-American president when economic calamity caused a political slide among almost every group toward the Democrats, and also because he inspired a landmark mobilization among the youngest voters. The Crash of ...

SEEN AT THE SCENE : - Long Beach Press-Telegram
"It was our most successful fundraiser in recent years," said the enthusiastic executive director of the WomenShelter of Long Beach (WSLB), TuLynn Smylie. The Fourth Annual Wine Tasting Fundraiser, held Oct. 4, raised $33,000. Host Duane Rose, owner ...

Books in Brief - Baltimore Sun
A former investment banker, John Talbott prescribes the president-elect's primary work in the first months of office. Trickle-down economics of the Bush years did not work, he says. The solution, he writes, is to reform lobbying and campaign ...

John Stossel: The bailout is hurting recovery already - Union Leader
Is the stock market trying to tell us something? It seems like every time Treasury Secretary Henry Paulson goes on TV, stock prices drop. I can see why. Businesses would be reckless if they made investments that might lead to recovery when they have ...

'EXPERIMENTAL' GOVERNING? NO THANKS - New York Post
ON Sunday night, President-elect Barack Obama told "60 Minutes" that President Franklin Roosevelt would be a model of sorts for him. "What you see in FDR that I hope my team can emulate is not always getting it right, but projecting a sense of ...

Jonah Goldberg: No to Obama's experimental government - Dallas Morning News
On Sunday night, President-elect Barack Obama told 60 Minutes that Franklin D. Roosevelt would be a model of sorts for him. "What you see in FDR that I hope my team can emulate is not always getting it right, but projecting a sense of confidence and ...

Today's Mortgage Terms starting with F

Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac): A semi government agency that acquires conventional loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

Federal Housing Administration (FHA): A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans.

Federal National Mortgage Association (FNMA or Fannie Mae): This agency purchases loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

FHA Loans: Fixed or adjustable-rate loans that are insured by the U.S. Department of Housing and Urban Development. The purpose of FHA loans is to make housing more affordable, especially for first-time homebuyers.

First Mortgage: A mortgage which is in first lien, taking priority over all other liens. In case of a foreclosure, the first mortgage will be repaid before any other mortgages.

Fixed Rate Loan: Fixed-rate loans have interest rates and payments that are fixed through out the term of the loan.

Foreclosure: A legal process in which a mortgaged property may be liquidated to pay off a mortgage loan that is in default.

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