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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 ...

Michael Jackson Finally Sacks Off Neverland - Hecklers Pray.com
Michael Jackson’s dream is over - well, not the terrifying dream where his face slowly atrophies, that one’s still going strong. We’re talking about the dream where Michael Jackson grows old surrounded by the luxury of his Neverland ranch. It ...

FHA-backed loans: the next subprime crisis? - MSNBC
As if they haven't done enough damage. Thousands of subprime mortgage lenders and brokers — many of them the very sorts of firms that helped create the current financial crisis — are going strong. Their new strategy: taking advantage of a long ...

Bargain hunting in short sales can pay off — if you do your homework - Orlando Sentinel
Charles J. Kovaleski, president of Orlando-based Attorneys' Title Insurance Fund Inc., has some advice for people interested in trying their luck at buying a home that's headed for foreclosure through a technique called a "short sale." In a short ...

Investor anxiety remains a factor in weak economy - Jackson Sun
NEW YORK - Since the Nov. 4 election, investors have been abandoning stocks in a kind of slow-motion crash that experts say underlines just how anxious they are about what is likely to be a long and deep recession. Even after a late-day rally on ...

The Littlest Mortgage Crisis Victims - Washington Post
The long arm of the global financial crisis reached down into Morena Parada's preschool classroom, where a little girl named Joeli Arias-Lopez painted bright green and orange splotches on an oversize easel and pronounced it a house. The 4-year-old ...

Michael Jackson sued by King of Bahrain's son - Guardian Unlimited
Beleaguered pop star Michael Jackson is being sued for $7m (£4.3m) by the son of the King of Bahrain, just days after he was forced to sell the infamous 2,500-acre Neverland ranch in California. Sheikh Abdullah bin Hamad Al Khalifa is suing Jackson ...

COMMON PLEAS - Salem News Online
RBS Citizens v. John and Donna Schlueter of New Waterford, etc; foreclosure sought against property on Pinewood Drive, New Waterford. Kimberly and Paul Jarvis Jr. of Hanoverton v. Wells Fargo Bank, etc; lawsuit alleges the actions of the bank and two ...

The Next Subprime Crisis Looms - FHA-Backed Loans - Free Internet Press
The same people whose reckless practices triggered the global financial crisis are onto a similar scheme that could cost taxpayers tons more. As if they haven't done enough damage. Thousands of subprime mortgage lenders and brokers - many of them the ...

FHA-Backed Loans: The New Subprime - BusinessWeek
(page 2 of 5) Similarly worrisome stories are playing out around the country. In Tucson, First Magnus Financial specialized in risky "Alt-A" mortgages, which didn't require borrowers to verify their income. State and federal regulators cited the ...

Today's Mortgage Terms starting with A

Accrued Interest: Interest earned but has not been paid

Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.

Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.

Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.

Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.

Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.

Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.

Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.

Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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