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Change They Can Litigate The fringe movement to keep Barack Obama from ... - Slate
President-elect Barack Obama If you want to stop Barack Obama from becoming president, there's still time. But you have to act right now . Go to RallyCongress.com , and you can be the 126,000 th -odd American to demand "proof of citizenship" from the ...

Record 1 in 10 American Homeowners in Foreclosure or a Month Behind in ... - FOX News
WASHINGTON — A record one in 10 American homeowners with a mortgage were either at least a month behind on their payments or in foreclosure at the end of September as the source of housing market pressure shifted to the crumbling U.S. economy. The ...

COURTS: Judge: Lender should have first dibs in condo foreclosure sale - Lockport Union-Sun
An existing order by a state Supreme Court justice says the mortgage-holder on Victorian Village condominiums should have first dibs on the proceeds of any foreclosure sale. State Supreme Court Justice Ralph A. Boniello III already ruled that Graham ...

Classic holiday stories inspire during tough times - The Chronicle Herald
Hard times have you down this holiday season? Take a trip to the library for some inspiration from treasured stories of Christmas past. The mortgage meltdown, job squeeze and clash between rich and poor evoke long-popular holiday tales with ghostly ...

Fate Of Detroit Bailout Uncertain - US News and World Report
Detroit auto executives testified before Congress yesterday and media reports tend to cast the lawmakers' response as skeptical. Analysts and key senators, moreover, expressed doubts about the ultimate fate of a now $34 billion financial rescue ...

O.J. judge known for tough lectures, sentences - MSNBC
Clark County District Court Judge Jackie Glass presides during the second day of jury selection for the O.J. Simpson trial at the Clark County Regional Justice Center in Las Vegas on Sept. 9. Glass will sentence Simpson and co-defendant Clarence "C ...

Buzz Barrows - Military Man, Longtime Mason - Washington Missourian
As a boy of about 10 or 11 years old, Clarence Barrows Jr., who now lives in Gerald, was given the nickname "Buzz." "I got in the habit of saying 'Let's buzz to the dime store or Let's buzz to Jim's," Barrows recalls. "All of my friends I grew up ...

OJ judge known for stern lectures, stiff sentences - Quad-Cities Times
In this Jan. 16, 2008 file photo, Clark County District Court Judge Jackie Glass gestures during O.J. Simpson's bail revocation hearing in Las Vegas. On Friday Dec. 5, 2008, Glass will sentence Simpson and co-defendant Clarence "C.J." Stewart on 12 ...

People draw unemployment benefits at 26-year high - Boston Globe
A foreclosed low-rise apartment complex is seen in Detroit on Friday, Nov. 14, 2008. Federal prosecutors twice pursued a former autoworker who was suspected of running a multimillion-dollar drug operation. The first attempt fizzled when Clarence ...

Grateful? Let me count the ways ... - Arkansas Online
LITTLE ROCK — Thanksgiving and Christmas make a man grateful to be home, like George Bailey in It’s a Wonderful Life, the classic movie and now a stage play. George gripes that he lives in a “drafty old barn.” But a visit from Clarence the ...

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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