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News about Mortgages:

ANDY LASKY | We sink or swim together - Tribune-Democrat
It seems like all the economic news these days is bad. I wonder how much of it is real and how much of it is driven by the media fixation? Either way though, real or imagined, it’s taking a toll. We’re fortunate here in western Pennsylvania to ...

Mid-Columbia construction slowing, remodels picking up - Tri-City Herald
When new housing starts to slow down, home remodels tend to pick up. It's a trend that David Barber, owner of Barber Construction in Walla Walla, is observing in this time of economic uncertainty, tighter lending standards and a softening housing ...

Reading service in need of home - Akron Beacon Journal
After years of financial setbacks and legal problems, the local reading service for the blind is facing what may be its biggest hurdle. The not-for-profit organization is poised to be evicted in the next few weeks from its home in a former roller ...

School for the blind starts visionary newsroom - Newark Star-Ledger
Ed Murray/The Star-Ledger Judy Ortman, interim executive director of the Concordia Learning Center, is interviewed by student Indigo Estevez from Newark for the school paper. There's a buzz in the newsroom of a New Jersey start-up newspaper, and not ...

Tri-City mortgage market grows with FHA-backed loans - Tri-City Herald
Mike Martin recently refinanced out of an adjustable rate mortgage and into an Federal Housing Administration loan for his Richland home. Though the real estate market has slowed in the Tri-Cities, the number of FHA-backed loans has grown. Getting ...

Richland County Foundation Awards Grants - WMFD
The Richland County Foundation Board of Trustees granted more than $103,000 for community needs during the board's regular October meeting. The largest amount, $35,000, went to Catholic Charities for emergency services to assist struggling residents ...

Property seized in Richland County standoff is sold - La Crosse Tribune
An 18-acre parcel in rural Richland County that was the site of a standoff and shootout last spring between a recalcitrant property taxpayer and dozens of deputies and police has been sold by the county for back taxes and, possibly, to pay bills for ...

Obama says McCain mortgage plan would reward bad behavior of lenders - WIS-TV
STATEWIDE (WIS) - Polls are officially closed in the first presidential primary in the south. Voters faced several obstacles en route to the polls in the state's Republican primary, including rain, snow and a few voting machine problems. In one ...

Food donations are dwindling as the need soars in Tarrant County - Fort Worth Star-Telegram
ARLINGTON — For the first time in 31 years, Arlington Charities had to turn away needy families Wednesday because it had run out of food. Another shipment arrived in time for Thursday, but for one day it hung a sign on the door: "Temporarily out of ...

Columbia Bancorp Reports Third Quarter 2008 Financial Results - CNBC
THE DALLES, Ore., Oct 31, 2008 /PRNewswire-FirstCall via COMTEX/ -- Columbia Bancorp (Nasdaq: CBBO), the bank holding company for Columbia River Bank, today announced its third quarter 2008 financial results. In response to the unprecedented economic ...

Today's Mortgage Terms starting with D

Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.

Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.

Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.

Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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