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Police: Motive Unclear In Fatal Double Shooting - Channel 3000
MADISON, Wis. -- Madison investigators said they don't know why a Middleton father fatally shot his son Tuesday before taking his own life. Ryan Dutter, 36, died Wednesday afternoon at University of Wisconsin Hospital from a self-inflicted gunshot ...

Shrinky Dinks brand is for sale - Colorado Springs Gazette
NORTH LAKE, Wis. • In 35 years, a business based on shrinking has expanded to include about 250 products sold in 42 countries around the world. Now Betty Morris, one of the inventors of Shrinky Dinks, is hoping that the value she created with her ...

M. SCOTT MORRIS:Jay Bell says he's not sure about California dream - Northeast Mississippi Daily Journal
The weather cooled down, and last year's wood, the stuff that turned gray over spring and summer, was burning well. Everyone else had gone to bed, so I had the fire to myself. I leaned against the mantle and let my thoughts wander, then felt three ...

Court Clerk Charged in Mortgage Scheme - Law.com
The chief deputy county clerk for Brooklyn Supreme Court has been charged with facilitating a $1.4 million mortgage scam in which the conspirators allegedly used fake identification to sell houses they did not own. According to Queens prosecutors ...

KEN MORRIS: Unemployment numbers show no signs of improving - Oakland Press
The national unemployment figures were released one week ago. As expected, it was bad news, with unemployment in Michigan well above the national average. Looking at the national unemployment numbers is the equivalent of taking all 50 states and ...

JOB QUEST 2008 ---- There's a new breed of worried job hunters in ... - Morris County Daily Record
Howard Corneilson, a computer systems executive, has been out of work before, and things were pretty bad a few years ago when he took a job at a supermarket working in the seafood section. But this time is different because his wife, a human resource ...

Obituary - Eugene 'Casey' Spiegle - Bridgeton News
Eugene "Casey" Spiegle Jr. of Morris Township died on Wednesday Nov. 19, 2008, at Morristown Memorial Hospital. Visiting will be held on Sunday, Nov. 23, at St. Andrew's Episcopal Church, 419 South St., New Providence, from 4 to 7 p.m. A funeral ...

Mortgage crisis affecting college enrollment total - U-Wire.com
The subprime mortgage crisis could be a cause for decreased college enrollment, according to a University of Michigan professor. “There is a strong association between home equity and the 18- to 20-year-olds enrolled in college,” said Frank ...

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 ...

UBS's Goodman, Top-Ranked Bond Analyst, Joins Amherst (Update1) - Bloomberg
Nov. 19 (Bloomberg) -- Laurie Goodman , UBS AG's top-ranked head of fixed-income research who specializes in mortgage bonds, will join Amherst Holdings LLC, the Austin, Texas-based securities firm focused on home-loan assets. Goodman will become ...

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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