Oak Grove Mortgage Rates and Information Online from competing Lenders

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In hard economic times, a ripple effect takes place - Batavia Sun
Only five customers sat in Tom's Restaurant at 2701 E. 130th St. at lunchtime on a recent weekday. Tom's used to be packed with workers from the nearby Ford plant -- but more than 800 workers were cut in recent weeks, and times are hard. "I've never ...

REAL ESTATE - News-Democrat
• 2000 S. 11th St.; from Beverly Elge, trustee; to Gregory Harris; $30,000. • 318 W. Cleveland Ave.; from Christy L. Hancock and Roger L. Hancock; to Paul Steigerwald; $75,000. • 6 Pageant Court; from Mary J. Daugherty; to John Brown and Kylee ...

For the holidays, Sendik's delivers the gift of food - Milwaukee Journal Sentinel
Nov. 26, 2008 2:52 p.m. | Sendik's Food Markets has donated more than 100,000 pounds of food and $18,000 to Second Harvest to help feed the hungry in eastern Wisconsin. The Balistreri-owned Sendik's Food Markets offered three semi-truck loads of food ...

UPDATE: Crites Field reopens after mishap - Milwaukee Journal Sentinel
Nov. 26, 2008 3:58 p.m. | Waukesha County's Crites Field is now open for air traffic following a mishap this afternoon in which a four-seat aircraft slid off of the main runway into an adjacent muddy field, an airport official said. The pilot decided ...

Sacramento city, county to get big chunk of foreclosure aid - Sacramento Bee
Because of the severe mortgage foreclosure problem in the Sacramento area, the city and county are receiving $32 million in federal funds to fix up foreclosed properties in distressed neighborhoods. It's one of the largest allocations of assistance ...

Community businesses get aid during crisis - Detroit Free Press
LAKE WALES, Fla. -- The gentleman put on his finest white shirt, dark, pressed trousers, his Sunday shoes. Only it was a Thursday, and Jim Christensen needed not a pastor, but a banker. At age 61, he was about to lose his restaurant. So he made his ...

Small-town banker a source of calm, wisdom - San Diego Union-Tribune
LAKE WALES, Fla. – The gentleman put on his finest white shirt, dark, pressed trousers, his Sunday shoes. Only it was a Thursday, and Jim Christensen needed not a pastor, but a banker. At age 61, he was about to lose his restaurant. So he made his ...

Obama must juggle high expectations and big challenges - Dallas Morning News
Barack Obama is going to fix the economy, provide health care to all Americans, win two wars, restore the country's standing abroad and put an end to centuries of racism. At least that's the hope of millions of voters who are looking to the president ...

Six South Bay districts easily pass school bonds, parcel taxes - San Jose Mercury News
The national economic chill and state budget collapse apparently fired up voters in the South Bay, who overwhelmingly passed ballot measures Tuesday to shore up schools. Four parcel taxes and two bond measures cruised to victory, easily hurdling the ...

Obama must juggle high expectations, big challenges on quest for ... - Dallas Morning News
Barack Obama is going to fix the economy, provide health care to all Americans, win two wars, restore the country's standing abroad and put an end to centuries of racism. At least that's the hope of millions of voters who are looking to the president ...

Today's Mortgage Terms starting with A

Accrued Interest: Interest earned but has not been paid

Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.

Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.

Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.

Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.

Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.

Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.

Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.

Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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