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Obama, Bush dine with ex-presidents at White House - Reuters India
WASHINGTON (Reuters) - President George W. Bush and his successor, Barack Obama, joined all the living U.S. presidents on Wednesday for a historic meeting at the White House two weeks before the country's next transfer of power. Bush, a Republican ...

Clark County Credit Union members still get bonus -- but it's smaller - Las Vegas Review Journal
Clark County Credit Union members will receive an average bonus of $75 this year -- smaller than in recent years, officials said Wednesday. It's the ninth consecutive year that the 38,000-member credit union for local government workers has paid a ...

Navy Federal Credit Union Commits $6 Billion for Mortgage in 2009 - PR Newswire
VIENNA, Va., Jan. 5 /PRNewswire-USNewswire/ -- Navy Federal is pleased to announce that $6 billion has been committed to new mortgages for Navy Federal members in 2009, whether they're buying a new home or refinancing. This new commitment follows ...

American River HealthPro Credit Union To Announce 2008 Year End ... - Earthtimes
RANCHO CORDOVA, Calif. - (Business Wire) American River HealthPro Credit Union (ARHCU) today announced that its 2008, year-end results will reflect a net loss due to some of the common factors currently impacting financial institutions across the ...

Pair of credit unions join as 'basic fit' - Memphis Commercial Appeal
Hope Community Credit Union has taken over the financially troubled American Savings Credit Union in what the two institutions called a merger Wednesday. No money changed hands at the end of a five-month process directed by federal and state ...

Churches aren’t immune to the mortgage squeeze - Providence Journal
Bevan Unrau, senior pastor at Seabreeze Church, in Huntington Beach, Calif. The church bought its building in 2003 with a $5-million loan and is struggling to pay its mortgage, as weekly expenses outpace giving. NYT / J. Emilio Flores After years of ...

Interest Rates Are Falling Even Further – Lower Mortgage Rate Makes ... - Best Syndication
(Best Syndication News) The recent reduction in the Federal Reserve and 10-year Treasury Bill interest rates has prompted some lenders to lower their interest rates. We have been monitoring local bank interest rates since November 2007 and have found ...

Embattled watchdog urges public to cut back on luxuries - Independent
The Financial Regulator has advised consumers to ditch their credit cards, claim tax refunds and cut back on luxuries to cope with the downturn. The advice comes as regulator Patrick Neary is due before an Oireachtas group next Tuesday, where he is ...

Credit union to unveil new name - MSN MoneyCentral
Mt. Zion 1st Baptist Federal Credit Union is planning to change its name and logo after more than four decades. The local credit union will announce its new name on Friday, Jan. 9, at its office at 333 Martin Luther King Dr. in San Antonio. The ...

PhillyDeals: PhillyDeals: Suburban office space in crunch this time - Philiy.com
Last time the real estate market hit a wall, in the early 1990s, the slowdown lingered in Center City Philadelphia longer than elsewhere. Office space was stagnant at about 34 million square feet from 1991 to 2006, because the slowdown coincided with ...

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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