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February 2007 - Times Union Blogs
The Capitol. The seat of state government. Where influential politicians craft laws and crafty lobbyists peddle influence. Where hopeful citizens try to get their voices heard. Get a look behind the scenes at New York politics and statewide campaigns ...

LenderHomePage.com Endorsed in Release of Requesting Referrals ... - PR.com
Mortgage Industry Marketing firm Independence Marketing Systems and Solutions, (IMSS) has endorsed Mortgage Website Provider Lender Home Page with the release of Requesting Referrals Marketing System. Rensselaer, NY, January 03, 2007 --( PR.com ...

Consumers cut back sharply on spending - Rensselaer Republican
WASHINGTON (AP) - Consumers, taking a beating from the worst financial crisis in seven decades, cut back sharply on their spending in October, pushing retail sales down by a record amount. As President George W. Bush and other world leaders gathered ...

Dems: Jimino's budget unrealistic - Troy Record
TROY — Democratic minority members of the Rensselaer County Legislature released their report on the county’s tentative 2009 budget, which outlined their concern that, despite the fact that the county’s tax rate remained, the tax levy is ...

News Of The Day - New York Daily News
John McCain came out swinging at last night's debate and threw everything he had at Barack Obama. But Obama kept his cool , and McCain failed to land a game-changing blow. It was more interesting to watch than the other debates. Joe the Plumber is a ...

Real Estate & Construction - PR.com
Owen Custom Cabinetry concentrates on high-end architectural custom cabinetry and commercial casework applications. As one of only a few... Pacific 1 Residential Irvine, CA Pacific 1 Residential is a premier home buying and selling agency for Orange ...

Companies forecast growth; uncover new avenues for business amid ... - Albany Business Journal
“A lot of our customers are using us an alternative source to their own labor,” says Mark Miller, president of Americlean. The tough economy is creating opportunities for companies in some industries, giving them impetus to spend more next year ...

Official faults town budget - Independent News Online
E.GREENBUSH--A proposed tax rate increase prompted a Town Board member to vote against the 2009 budget during a meeting Wednesday. Councilman Rick Matters said he doesn't agree with additional revenue enhancements by way of increased tax rates. The ...

What Happened to Mr. Market? - OpEdNews.com
Holy creeping communism, Bat Man. What happened to that Mr. Market guy who arrived at the White House in 2000? Back then he was all about economic Darwinism;' swim or sink, hunt or die, Devil take the hindmost. Well, at least he got that last one ...

John S.W. MacDonald - New York Observer
The Dow jumps 4.9 percent and the S&P 6.4 percent as Wall Street rejoices over Washington’s rescue plan for Citigroup. [NY Times] 9:30 a.m. The Landmarks Preservation Commission holds a daylong public hearing regarding the appropriateness of ...

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Today's Mortgage Terms starting with L

  • Lender: The bank, mortgage company or mortgage broker providing the loan.
  • Loan Application: A statement of personal and financial information needed to apply for a loan.
  • Loan Application Fee: A fee applied by a lender to cover the initial costs of putting through a loan application. The fee could include the cost of getting a property appraisal, a credit report and a lock-in fee and other closing costs incurred to complete the transaction.
  • Loan Origination Fee: Fee charged by a lender for the administrative costs of processing a loan.
  • Loan to Value Ratio (LTV): The balance of the mortgage outstanding as a percentage of the home's price.
  • Lock or Lock In: A lender's guarantee of an interest rate for a specific period of time. The time period is usually between the loan application approval and loan closing. The borrower wants the lock to stay in effect until closing.
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