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Champaign-based real estate firm growing in Florida - News-Gazette
CHAMPAIGN – The Florida real estate market may seem bleak, given falling home prices and rising foreclosures. But Coldwell Banker Devonshire Realty senses opportunity there. The Champaign-based real estate company on Friday announced it has ...

Florida's Existing Home Sales Increase in 3Q 2008 - MSN MoneyCentral
ORLANDO, Fla. , Nov. 18 /PRNewswire/ -- Sales of existing single-family homes in Florida rose 5 percent in third quarter 2008 compared to the same period last year, according to the latest housing statistics from the Florida Association of Realtors(R ...

All-GOP group heads to Tallahassee - Florida Today
TALLAHASSEE -- If enthusiasm and readiness to learn can make up for political experience and Capitol clout, Brevard County stands in good shape as Florida lawmakers begin new terms this week. With four freshmen in the House and one new senator moving ...

Planes Collide in Florida, Killing 2 - FOX News
March 1: Firefighters spray foam on an airplane at Arthur Dunn Airpark in Titusville, Fla. The Federal Aviation Administration said two people were killed in a collision involving two aircraft at the Arthur Dunn Airpark in Titusville. March 1 ...

A N.J. conservation project - Philadelphia Daily News
For most of her adult life, Pat Brundage's dream was to renovate an old house. As a mortgage broker, she was in the business of homes and began squirreling away money for her own place. She even knew exactly where she wanted it to be - on a little ...

What's Up (or Down) at Freecycle? - BusinessWeek
Check out these mostly critical comments on the Freecycle Network . That’s the widely praised Tucson-based group that helps people create local Web sites where they can give away and get stuff that might otherwise end up in a landfill. Sounds like ...

Labor warns McCain about crowds - Boston Globe
The head of the nation's biggest labor federation is joining the chorus of voices warning about the increasingly angry crowds coming to John McCain's campaign events. At rallies this week , McCain's criticisms of Democrat Barack Obama have been met ...

Nearly two dozen disciplined, one from Jacksonville - Jacksonville Daily Record
The Florida Supreme Court in recent court orders disciplined 23 attorneys, disbarring three, suspending 14, placing three on probation, reprimanding six and ordering three to pay restitution. Some attorneys received more than one form of discipline ...

Political Punch - ABC News Blogs
Jake Tapper is ABC News' Senior National Correspondent based in the network's Washington bureau. He writes about politics and popular culture and covers a range of national stories. Friday afternoon in Kettering, Ohio, Sen. Joe Biden, D-Del., took ...

Today's Mortgage Terms starting with P

Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.

Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.

Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.

Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.

Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.

Principal: It is the amount of money borrowed or owed, excluding interest.

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