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Letter from Langdon: I got a government bailout - Prairie Star
Linda and I were married right out of high school in 1968. I remember when her Dad told us that as married adults, it was up to us to pay for the insurance on her car. We called the insurance agent, Jim, to tell him things were changing, and he ...

Two big banks cut mortgage rate - Edmonton Sun
TORONTO -- Two of Canada's big banks are cutting mortgage rates on a variety of terms, reflecting a drop in borrowing costs in the bond market, where banks finance their mortgage lending. The Royal Bank of Canada said yesterday it is cutting rates ...

NOTICE OF SHERIFF’S SALE: Case No. 08-CV-272 - Hudson Star-Observer
WM SPECIALTY MORTGAGE LLC, WITHOUT RECOURSE, Plaintiff, vs. TERRY M. STOTTS; DANA J. STOTTS, his wife; and STATE OF WISCONSIN, DEPARTMENT OF WORKFORCE DEVELOPMENT, Defendants. By virtue of and pursuant to a Judgment of said Circuit Court in the above ...

No. 25 Iowa State stays unbeaten - FOX News
HONOLULU — Alison Lacey had 18 points and 10 rebounds to lead No. 25 Iowa State to a 75-59 victory over Prairie View A&M on Friday in the Waikiki Beach Marriott Classic. Kelsey Bolte added 12 points for the Cyclones, who improved to 4-0 for the ...

Records: Sunday, Nov. 23 - Chippewa Herald
Powerball – Saturday: 17, 19, 26, 32, 45. PB: 14. PP: 4. Next drawing: Wednesday, $15 million. Megabucks – Saturday: 8, 29, 34, 38, 39, 46. Supercash – Saturday: 4, 6, 12, 20, 31, 35; Friday: 6, 7, 26, 28, 29, 38. Badger 5 – Saturday: 3, 9 ...

Falling behind Real estate tax collections slow: Delinquent parcels up ... - Northwest Arkansas News
Real estate tax collections in Washington County have fallen behind last year's pace, and the number of parcels with delinquent taxes has jumped significantly. Washington County Tax Collector David Ruff said about 91 percent of the county's property ...

Banking blues - Ottawa Sun
As the worsening economic crisis threatens to leave ordinary Canadian families jobless, if not homeless, let us all shed a tear for the unimaginable suffering of the nation's beloved Big Banks. The Royal Bank of Canada (RBC), for instance, announced ...

Royal Bank profit falls 15% - Globe and Mail
annie (smith from ontario, Canada writes: Oh too bad, your profits fell 15% but royal bank still made money, but they are trying to cry the blues. They like to play with numbers no doubt. It must hurt the CEO,president and managers bonus payout is a ...

Quiet day on TSX - Ottawa Sun
The energy sector was behind 1.2 per cent as the near-month crude oil contract slipped $3.73 to close at US$50.77 per barrel on the New York Mercantile Exchange. The Canadian dollar rose 0.63 cents to 81.63 cents US after surging 2.7 cents Monday. In ...

It's a global Bay Day! - Edmonton Sun
A panel of economic heavy hitters offers advice that could have been ripped from the cover of the Hitchhiker's Guide to the Galaxy: Don't Panic. That was the gist of a panel discussion hosted by Edmonton Economic Development Corporation yesterday at ...

Today's Mortgage Terms starting with M

Margin: The percentage difference between the index for a specific loan and the interest rate charged. This is a number already set by the lender.

Market Value: The price at which a given property or product is transacted between a willing, unhurried buyer and a seller who know all the pertinent facts about the property.

Mortgage Banker: A financial institution who directly funds home loans, sells them to investors, arranges monthly payments and handles escrow. Some mortgage bankers sell their loans on the secondary market.

Mortgage Broker: A broker arranges financing for borrowers with a variety of lenders. A mortgage broker does not make the loan, but receives payments for its services.

Mortgage Insurance: It is insurance to protect the lender in case you default on your loan. With conventional loans, mortgage insurance is generally not required if you make a down payment of at least 20% of the home's appraised value. It is also known as PMI (Private Mortgage Insurance).

Mortgage Loan: A loan for which a specific real estate property serves as collateral to provide for repayment in case of default.

Mortgage Refinance: A refinanced mortgage is one in which a borrower pays down an old loan with a new loan. People who refinance a mortgage tend do so to get a lower interest rate, lowering their payments or to take cash out of their home equity.

Mortgagee: The lender in a mortgage loan relationship. Property is used as collateral to make payment.

Mortgagor: The borrower in a mortgage loan relationship. Property is used as collateral to make payment.

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