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News about Mortgages:

East Fishkill board will review new budget to cut tax rate - Poughkeepsie Journal
HOPEWELL JUNCTION - The East Fishkill town board is examining cuts to its proposed 2009 budget, hoping the changes will bring the proposed tax rate down. The board will bring those changes to Thursday's board meeting before the budget is approved ...

Dutchess residents should buy flood insurance, feds, state recommend - Mid-Hudson News Network
LAGRANGEVILLE – As Dutchess County’s new preliminary flood map is about to be implemented, officials of the Federal Emergency Management Agency and state Department of Environmental Conservation have urged residents affected by the new map to buy ...

Conference comes up with many good ideas - Times Herald-Record
"Government on the Energy Gridiron" proved to be more than a conference about how municipal government can reduce energy costs and provide smarter, more efficient delivery of services to residents in need. Rather, the 170 officials and energy experts ...

Democrats hasten to solve dispute over Michigan and Florida delegates - International Herald Tribune
Race as gender remain entrenched major issues in the USA and is not likely to be fixed by either of the candidates. I, as voter, want to hear the proposals for offsetting the serious state of affairs regarding the economy. Joblessness is at an all ...

In a test of his candidacy, Obama makes sweeping speech on race - International Herald Tribune
Race as gender remain entrenched major issues in the USA and is not likely to be fixed by either of the candidates. I, as voter, want to hear the proposals for offsetting the serious state of affairs regarding the economy. Joblessness is at an all ...

Returning troops eligible for care - Poughkeepsie Journal
Veterans returning from Iraq and Afghanistan have access to a host of advanced medical benefits, but many aren't using those services, Veterans Affairs officials say. As troops return home, they must deal with the difficult transition from life in a ...

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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