Glens Falls Mortgage Rates and Information Online from competing Lenders

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News about Mortgages:

G’ Falls subprime mortgage brokerage shuts down - Albany Business Journal
A Glens Falls-based subprime mortgage brokerage has shut down and filed for bankruptcy protection in the wake of the ongoing mortgage troubles rippling through the nation. MEM Financial Solutions LLC filed for Chapter 7 bankruptcy late last week. MEM ...

Mortgage broker files bankruptcy petition - Daily Gazette
SCHENECTADY — A subprime mortgage brokerage that relocated to the city during the height of the housing boom has closed and filed for bankruptcy. Two years after MEM Financial Services established a headquarters near the corner of State and Ferry ...

Schenectady subprime mortgage brokerage MEM closes - Daily Gazette
SCHENECTADY — A subprime mortgage brokerage that relocated to the city during the height of the housing boom has closed and is looking to liquidate in bankruptcy court. MEM Financial Services consolidated its two Saratoga County offices and ...

Rick Emanuel becomes the publisher of Post-Star - Post-Star
GLENS FALLS - Lee Enterprises announced Monday that Rick Emanuel has joined The Post-Star as the newspaper's new publisher, effective immediately. Emanuel comes to The Post-Star from The Citizen in Auburn, also a Lee Enterprises newspaper. His wife ...

MORNING UPDATE -- Police, probation and parole sweep of bars leads to ... - Post-Star
GLENS FALLS --A sweep of local bars and a road check by officers from five agencies led to 10 arrests overnight Saturday, officials said. The effort involved more than a dozen officers from the Glens Falls Police Department, Warren County Sheriff’s ...

Companies forecast growth; uncover new avenues for business amid ... - Albany Business Journal
The tough economy is creating opportunities for companies in some industries, giving them impetus to spend more next year and forecast growth. Americlean, an industrial power-washing and painting company in South Glens Falls, is picking up more ...

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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