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News about Mortgages:

Aspiring Realtors want to gambol through the slump - St. Petersburg Times
Robert DiBlasi teaches the licensing course at the Bob Hogue School of Real Estate, which began in St. Petersburg in 1978. Classes have dwindled, as has the staff. Some classes used to enroll about 100 students. Now there might be half a dozen. In ...

Former federal prosecutor Jones joins Haskell Slaughter - Birmingham News
Former U.S. Attorney Doug Jones, who was lead prosecutor in the Sixteenth Street church bombing case, has joined Birmingham law firm Haskell Slaughter Young & Rediker. Jones, 54, this month left Birmingham's Whatley Drake & Kallas, where he landed ...

From the Editor : - Cricket365.com
Andrew Symonds is all set to make his return for Australia during the opening Test against New Zealand. Roy has admitted that alcohol played a major part in his fall from grace. Are you happy to see him back, and who do you think he should replace in ...

Tough times will touch Richmond - Inrich.com
The Richmond area will weather the economic tough times better than much of the rest of the country, but it won't be able to escape them, say local experts who spoke last night in a downtown public forum on the economy. The downturn is part of a ...

Regulators shut Downey S&L, PFF Bank & Trust in Calif.; 22 banks have ... - Minneapolis Star Tribune
WASHINGTON - Federal regulators on Friday shut down two big thrifts based in Southern California, saying they fell victim to the acute distress in the housing market in that state. The failures of Downey Savings and Loan Association, based in Newport ...

Corporate Crime - Newsday
NEW YORK -- Opera-loving philanthropist Alberto Vilar was convicted on fraud charges today for swindling investors, including the mother of actress Phoebe Cates, out of millions of dollars. Federal prosecutors accused Vilar and a business partner of ...

Paris, Benji call it quits; Criss Angel’s illusionist guest - Las Vegas Sun
Paris Hilton and Benji Madden. * Just 10 days ago, Paris Hilton expressed her boundless love for Benji Madden. Today, reports are that their relationship is over. A close gal pal of Hilton says the relationship is definitely over and there is no ...

November 2008 - Kansas City Star Blogs
I hope that the people who elected Barack Obama did so for the right reasons. I’m not sure President Bush was elected that way. It would be sad if academia, the mainstream press, Hollywood, liberals, ethnic groups and die-hard Democrats elected ...

Poor People's Dinner fund-raiser on Staten Island tonight - Staten Island Advance
Advance file photo Gabriel Farini, 8, was one of many youngsters who attended last year's Poor People's Dinner. Project Hospitality is holding its annual Poor People' Dinner tonight at the Hilton Garden Inn in Staten Island's Bloomfield community ...

Thinking about Glenn Rudolph - Oregonian
Glenn Rudolph has a small show of a few photographs over at Pulliam Deffenbaugh Gallery . I wrote a small blurb about this Thursday. But the show made me recall this story I wrote about Glenn five years ago when he had an exhibit at Tracy Savage's ...

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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