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Struggling at a million-dollar horse stable - MSNBC
LITTLETON, Colo. - If you could put karma in the bank, Stan and Christine Penton would have a nice savings account. As owners of one of the Denver area’s last remaining suburban equestrian stables for the past 13 years, the Pentons have offered ...

Property Values News Stories - Atlanta Journal Constitution
Consumers, lenders, mortgage brokers, appraisers, rating agencies, investment banks and securitizers must all take some of the blame for our country's current credit problems... 30-year mortgages remain at 6.52 percent 08/14/2008 WASHINGTON — Rates ...

It's the law - as of today - Fayetteville Observer
Starting today, bars and restaurants will have to recycle all those empty beer and wine bottles left from New Year’s bashes. Life insurance salesmen will find their jobs tougher on Army grounds. Smokers in state buildings will have to find an ...

What do you think of the Packers' picks? - Milwaukee Journal Sentinel
I don’t think the packers had that bad of a draft, I truly think they picked the best players available. I would have hated to see them reach for a receiver or TE just because they needed one. It is always funny to here so called experts on one ...

Ahead of the Bell: Credit Suisse cuts airlines - CNN Money
NEW YORK (Associated Press) - A Credit Suisse analyst downgraded four airlines Monday, predicting that current capacity reduction plans won't be enough to offset a further jump in oil prices and spur profitability next year. Analyst Daniel McKenzie ...

Anti-smoking team in town - Edinburgh News
A ROADSHOW is to visit a Lothian town today to try to persuade smokers to stub out the habit. NHS Health Scotland and NHS Lothian workers were to advise people in Haddington thinking about quitting. Kerry McKenzie, a programme manager, said: "Smokers ...

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Today's Mortgage Terms starting with C

  • Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.
  • Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.
  • Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.
  • Collateral: Property pledged as security for a debt.
  • Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.
  • Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.
  • Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.
  • Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.
  • Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.
  • Credit Bureau: It is a clearinghouse for credit history information.
  • Credit Report: A report containing a detailed credit history of an individual.
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