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Governor talks to possible Obama replacements - Arlington Heights Daily Herald
SPRINGFIELD _ Gov. Rod Blagojevich is talking with some of the candidates to replace President-elect Barack Obama in the U.S. Senate, but he's giving few hints about his plans for filling the vacancy. The Democratic governor spoke this week with U.S ...

Six indicted in mortgage fraud scheme - Columbia Missourian
SPRINGFIELD — Six people from the Springfield area are named in a 55-count federal indictment charging mortgage fraud. Prosecutors said Thursday that the six plotted to defraud home mortgage lenders in Christian and Greene counties from January ...

A Need for 'Habitat' in Greater Springfield - CBS 3 Springfield
Story Updated: Nov 14, 2008 at 7:17 PM EST Habitat for Humanity helps families in need of a home, but with the current housing crisis, the need is more than ever. The Greater Springfield division of Habitat is now building 5-6 homes a year. On a ...

Six people indicted in mortgage fraud scams - News-Leader.com
The six were charged in a 55-count indictment returned by a federal grand jury in Springfield, a news release from Wood's office said. Davis, a former mortgage broker, was the owner of Master Marketing Consultants. The Kassebaums, who are husband and ...

Six area residents indicted in mortgage-fraud schemes - News-Leader.com
Several mortgage brokers were among six area residents indicted today by a federal grand jury for participating in several related mortgage fraud schemes in Christian and Greene Counties, according to John F. Wood, United States Attorney for the ...

Cross retains role as House GOP leader - Herald News
SPRINGFIELD -- State Rep. Tom Cross was re-elected to the position of House Republican Leader by his colleagues. As leader, Cross is responsible for developing a statewide legislative agenda for Republican lawmakers and working with the three other ...

Springfield police investage thefts from elderly - KVAL
SPRINGFIELD, Ore. (AP) -- Springfield police have joined state regulators to investigate a series of suspected thefts from the elderly at a Sunwest Management retirement home the company put into bankruptcy last summer. Residents of the Briarwood ...

Expansion of Springfield homeless shelter delayed by financial crisis - Union-News & Sunday Republican
SPRINGFIELD - Tremors from the collapsing economy that first shook Wall Street then Main Street are now being felt on Worthington Street. The head of Friends of the Homeless shelter said Monday plans for a $9.6 million expansion of the 769 ...

Mortgage-fraud scheme alleged in court documents - Joplin Globe
A Carl Junction man is among a half-dozen people named in a 55-count federal indictment charging mortgage fraud. Steven Ray Spencer, 47, was indicted Thursday for his alleged role in a scheme to defraud home mortgage lenders in Christian and Greene ...

GOT BONDS? - Register-Guard
We’ve got to work our way out of this economic slump, the top politicians from Gov. Ted Kulongoski to President-elect Barack Obama are saying these days. Massive pump-priming public works projects will keep Oregonians and their counterparts across ...

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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