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Rising foreclosures pose long-term fiscal problems for local ... - Empire State News
Rising foreclosures pose long-term fiscal problems for local governments, says DiNapoli ALBANY - As increases in foreclosures and mortgage delinquencies continue to grip certain regions of the State, property taxes, the primary source of tax ...

Rising foreclosures pose long-term fiscal problems for local ... - Empire State News
ALBANY - As increases in foreclosures and mortgage delinquencies continue to grip certain regions of the State, property taxes, the primary source of tax revenue for local governments, could become the next casualty of the housing crisis according to ...

NY comptroller warns of rising property taxes - CNBC
ALBANY, N.Y. - New York state Comptroller Thomas DiNapoli says the next victims of the mortgage foreclosure crisis are the people who have managed to hold onto their homes. DiNapoli estimates that property tax revenue could fall by up to $1.3 billion ...

Paterson gets cold reception in Albany on belt-tightening ideas - Buffalo News
ALBANY — Gov. David A. Paterson picked an unusual spot — an island in the Caribbean — to float a trial balloon that his administration wants to cut deeply from current aid to public schools and get salary or other givebacks from public employee ...

Bradford County Property Transactions - Daily Review & Sunday Review
The following property transactions were recorded recently at the Bradford County Courthouse. Alfred Finnerty, Alfred A. Finnerty (AKA) and Beverly Finnerty, Beverly J. Finnerty (AKA) to Commonwealth of Pennsylvania Department of Transportation of ...

Business Minute: Stocks fall...Cuban vows to fight...job cuts at ... - Idaho8.com
NEW YORK (AP) - Stocks suffered from a familiar, late-session fade. The Dow lost nearly 224 points. The S&P fell 22.5 while the Nasdaq declined nearly 35 points. WASHINGTON (AP) - Prospects are dimming for approval of a $25 billion bailout for the ...

Legendary top-gun lobbying duo at odds over money - The Columbus Dispatch
For 20 years, Republican Neil S. Clark and Democrat Paul Tipps were Capitol Square's lobbying kingpins, partners who wielded more influence over public policy than most lawmakers and who forged a seemingly unbreakable friendship. Along the way, both ...

NY set to release employment data - Saratogian
No comments posted. ALBANY — New York unemployment statistics for October are set to be released soon after the U.S. labor department announced new claims for jobless benefits climbed to a 16-year high last week. The latest state numbers are due ...

Fannie Mae, Freddie Mac Delay Foreclosure Sales - NY1
Mortgage lenders Fannie Mae and Freddie Mac will hold off on foreclosure sales for the holidays. The companies are suspending sales of occupied homes from November 26 to January 9. During that time, the companies will evaluate whether borrowers ...

Home builder confidence hits lowest level in 23 years - Albany Business Journal
Home builder confidence nationally has dropped to its lowest level in 23 years, based on a survey by the National Association of Home Builders . The NAHB/Wells Fargo Housing Market Index sank five points to 9 in November due to the country’s ...

Today's Mortgage Terms starting with C

Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.

Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.

Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.

Collateral: Property pledged as security for a debt.

Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.

Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.

Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.

Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.

Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.

Credit Bureau: It is a clearinghouse for credit history information.

Credit Report: A report containing a detailed credit history of an individual.

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