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Program encourages young farmers - Billings Gazette
MOIESE - Nicole Jarvis tugs on a clump of cold earth wrapped around Jerusalem artichokes. In the distance, the clouds part on occasion with teasing glimpses of the Mission Mountains. Chickens cluck near the farmhouse. Inside it, a small boy naps ...

Trouble printing ads? - Missoulian
NOTICE OF TRUSTEE'S SALE T.S. No. 08-0105177 Title Order No. 080014220MTGSI The following legally described trust property to be sold for cash at Trustee's sale. Notice is hereby given that the undersigned trustee will, on 03/30/2009, at the hour of ...

Not so Old MacDonald: Young farmers tend to the land to fulfill their ... - Missoulian
Cale Nittinger spreads manure last week over some of the land he and his wife, Nicole Jarvis, farm near Moiese. Nittinger and Jarvis are among a growing number of younger, small farmers looking to cultivate garden crops. Photo by TOM BAUER ...

Guest Commentary: Douglas Rauthe - Flathead Beacon
Recently, television commentators, pundits and bloggers have started to blame low-income homebuyers for the problems the mortgage and financial markets face today. These same folks are suggesting that the Community Reinvestment Act (CRA) also played ...

Missoula mortgage refinancings have doubled - Missoulian
6 percent or less. Rates are expected to skip around between 5 percent and 6 percent as the Federal Reserve, which meets next on March 18, tries to avoid a nationwide recession. Investors expect the Fed will lower interest rates by another half a ...

Feeling the squeeze: For many families, wages aren't keeping up with ... - Missoulian
“I don't think we would go down there if it weren't for the kids,” says Kristina Degele of her occasional trips to the Missoula Food Bank. While Kristina stays home with 3-year-old Alexis and Damian, 1, husband Joseph is earning $18 an hour ...

US Unveils New $800 Billion Plan to Loosen Credit - Flathead Beacon
Right now, the US Treasury and the Federal Reserve are like plumbers determined to get water flowing again through a system of clogged pipes. Each time they think they've got things working, another faucet stops up, and they have to drag out new and ...

Teixeira's a money player - Boston Globe
In the baseball agent's perfect world, the consummate free agent would have the leverage of past achievement, the promise of youth. He would be tall. He would be strong. He would hit from both sides of the plate, possess Gold Glove credentials. And ...

Analysts: Economy will rebound - Idaho Statesman
Economist Christopher Thornberg cautions against paying too close attention to volatility in the stock markets. "They are the drama queen of the financial world - they always overreact to everything," he says. Thornberg says there are solid companies ...

Stimulus 2: Can More Spending Spur a Recovery? - Flathead Beacon
Both presidential candidates called on Washington to come to the rescue of the economy with extra spending and tax cuts. Probably a large majority of economists agree that a stimulus plan is badly needed. "It pays to be bold," write two Wall Street ...

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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