Warrenton Mortgage Rates and Information Online from competing Lenders

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Union Bankshares Corporation Files Shelf Registration Statement - MSN MoneyCentral
BOWLING GREEN, Va. , Oct. 27 /PRNewswire-FirstCall/ -- Union Bankshares Corporation (the "Company") UBSH has filed a Form S-3 shelf registration statement with the U.S. Securities and Exchange Commission (the "SEC"). Once declared effective by the ...

Pocketbook issues push past Iraq in poll - MSNBC
Dec. 1:  President-elect Obama is set to announce his choice of Hillary Clinton as secretary of state -- as well as his picks for his national security team -- just days after the deadly attacks in Mumbai, India. NBC’s Andrea Mitchell reports ...

Local bankers say credit fallout is not yet affecting them - Winchester Star
Winchester — The financial collapse on Wall Street has tightened the credit market for many financial institutions, but its ripple effect has stopped short of community banks in small-town America — at least for now. Local bankers say they have ...

Barack Obama is warned to beware of a ‘huge threat’ from al-Qaeda - Times Online
Barack Obama is being given ominous advice from leaders on both sides of the Atlantic to brace himself for an early assault from terrorists. General Michael Hayden, director of the CIA, this week acknowledged that there were dangers during a ...

News By You - Fauquier Times-Democrat
Fauquier Family Shelter Services, which operates both The Haven and the Vint Hill transitional program, is currently in the midst of its annual fundraising campaign. Donations may be sent to P.O. Box 3599, Warrenton, Va. 20188. A wish list is ...

The Angry Left’s dream stops here - Atlanta Journal Constitution
Looks like Georgia’s the key now to whether Democrats have a full, unchecked run in Washington. Al Franken’s finding votes in Minnesota. Democrats have gained six already in the Senate, pushing them to 57. Saxby Chambliss is just under 50, thanks ...

Pocketbook worries outweigh voters' concerns over war in Iraq - Yahoo News
WASHINGTON (AP) — Voters began to worry more about their pocketbooks over the last month — even more than about the war in Iraq. More than half the voters in an ongoing survey for The Associated Press and Yahoo! News now say the economy and ...

Chambliss win vital? You betcha. - Atlanta Journal Constitution
Want to see Sarah Palin in Georgia? And if she’s not available, John McCain? If U.S. Sen. Saxby Chambliss is, in fact, forced into a runoff — something that could be known when Fulton County (Atlanta) election officials deem it convenient to ...

Final push in GOP land - Times-Argus
Sen. John McCain and Sen. Barack Obama began their final push for the White House on Saturday, returning to the themes that had marked their candidacies, with Obama calling for a break from the Bush era and McCain challenging Obama's credentials to ...

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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