Saxton Mortgage Rates and Information Online from competing Lenders

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Former Wurld Media executive found guilty - Post-Star
BALLSTON SPA — A former executive at the Saratoga Springs company Wurld Media has been found guilty of falsifying business records, a felony, by a jury following a two-week trial in Saratoga County Court. Richard Saxton, the Internet start-up’s ...

Saxton honored for efforts to reach across the aisle - Burlington County Times
For the past 24 years, U.S. Rep. Jim Saxton has worked with politicians on both sides of the aisle. On Saturday, Saxton was recognized for those efforts when he received the Jefferson-Lincoln Award, which is given to individuals who have shown ...

Lobbyists in 'feeding frenzy' - USA Today
Wall Street firms, commercial banks and insurers are lobbying on an array of issues — from beating back proposals to make it easier to reduce mortgage debts in bankruptcy courts to fighting, unsuccessfully so far, to retain control over executive ...

Predatory lending is an issue in N.J. - Philadelphia Inquirer
Soon after the New Jersey legislature passed a tough law aimed at controlling predatory lending, State Sens. John Adler (D., Camden) and Gerald Cardinale (R., Bergen) teamed up to sponsor a bill that weakened it. Adler and Cardinale said they were ...

Greenspan Admits Errors to Hostile House Panel - Wall Street Journal
Alan Greenspan, lauded in Congress while the economy boomed, conceded under harsh questioning from lawmakers that he had made mistakes during his long tenure as Federal Reserve chairman that may have worsened the current slump. In a four-hour ...

Adler will focus on aiding middle class - Philadelphia Inquirer
Ask Democrat John Adler what his mission will be when he assumes his newly won seat in Congress, and you are sure to hear about one of two groups: families or the middle class. Or middle-class families. "I see retirees worried about their life ...

Ben Bernanke Video Gallery - CNBC
The following is the full text of Federal Reserve Chairman Ben Bernanke's prepared testimony before the Joint Economic Committee of Congress on April 2, 2008: Chairman Schumer, Vice Chairman Maloney, Representative Saxton, and other members of the ...

Investors voice reservations at progress on Dunedin Hilton - Stuff
HOTEL RESERVATIONS: The McEwan Group's proposed redevelopment of Dunedin's historic former chief post office as a Hilton hotel is shaping as another casualty of the credit crunch. The McEwan Group's proposed redevelopment of Dunedin's historic former ...

Going broke: High food costs, job losses propel Utah bankruptcy ... - Salt Lake Tribune
Former Federal Reserve Chairman Alan Greenspan testifies on Capitol Hill in Washington, Thursday, Oct. 23, 2008, before the House Oversight and Government Reform Committee hearing on the roll of the federal government in the financial markets. Get ...

Dems poised for N.J. sweep - Trentonian
This year’s election could create a last-man-standing scenario for the Republican congressmen from New Jersey seeking re-election, including Greater Trenton’s own Rep. Chris Smith. That’s because two recent polls show that New Jersey voters ...

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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