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Alexandria native joins MidSouth Bank - Alexandria Daily Town Talk
BATON ROUGE -- Kimberly Stephens has joined MidSouth Bank as Vice President and Commercial Loan Officer at its Jefferson Highway location in Baton Rouge. In her new role, Stephens will be serving existing commercial clients and developing new ...

Hip bachelor bets on Detroit Garden Court condominium - Detroit News
Ryan South, 25, looked at about 150 houses for sale on Metro Detroit's eastside before he realized what he really coveted. "I grew up in Grosse Pointe, and Jefferson Avenue was always my main drag," says South, director of mortgage banking for ...

William Jefferson... still in Congress - MSNBC Firstread
Well, he's still in Congress, and he's likely to stay there for a while. Technically, Jefferson still has to win a Dec. 6th runoff in Louisiana. But his opponent, little known Republican lawyer Anh "Joseph" Cao , stands little chance in Louisiana’s ...

Losing it all: Subprime loan mess slamming doors on homebuyers in ... - Lynchburg News and Advance
You wouldn’t expect a $1 million home on Easy Street on Smith Mountain Lake to end up in the same situation as a $20,000 house from inner-city Lynchburg. One was built as a lakeside mini-mansion in 2006. It has 5,200 square feet, granite ...

Changing real estate market prompts creative ways to buy and sell - Providence Journal
It’s a buyer’s market — if you’re the right kind of buyer. As Rhode Island’s house prices fall to their lowest level in five years, people are finding their dream houses on the market for tens of thousands of dollars less than they were ...

Washington Co. real estate market rose last month - Herald-Mail
WASHINGTON COUNTY — Don’t break out the champagne yet, but for those with a house to sell, there is good news: Washington County’s real estate market increased last month for the first time in nearly three years. The number of people buying ...

Former federal prosecutor Jones joins Haskell Slaughter - Birmingham News
Former U.S. Attorney Doug Jones, who was lead prosecutor in the Sixteenth Street church bombing case, has joined Birmingham law firm Haskell Slaughter Young & Rediker. Jones, 54, this month left Birmingham's Whatley Drake & Kallas, where he landed ...

Board of public works votes to tear down Hite-Finney house - Martinsville Reporter-Times
The Martinsville Board of Public Works and Safety is ready to tear down the historic Hite-Finney House at 183 N. Jefferson St. more than two years after a fire left it in shambles. The historic building was severely damaged in an Aug. 27, 2006, arson ...

BUDGET AX HOVERS OVER ELDERLY - Watertown Daily Times
OGDENSBURG — Nursing homes would be one of the institutions hardest hit by Gov. David A. Paterson's proposed budget cuts. "Overall the cuts, if enacted, would reduce nursing homes funding by 10 percent," said Daniel J. Heim, vice president of ...

Saturday Readers' Forum - Marin Independent Journal
The news in the papers reported the needs of the food bank were never greater. But true to form, when the call went out for help, the citizens of Marin stepped forward. On behalf of the nearly 1,000 scouts and volunteers who collected food on Nov. 15 ...

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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