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Stefanski adds touch of creativity - Courier-Post
Ed Stefanski's one-year anniversary as president and general manager will come Thursday. Already, it is clear that Stefanski breathed some much-needed life, ingenuity and creativity into the franchise, the 7-9 start and humiliating 102-78 loss to the ...

Frank: Sixers' GM has a good first year - Delaware Online
Ed Stefanski's one-year anniversary as president and general manager will come Thursday. Already, it is clear that Stefanski breathed some much-needed life, ingenuity and creativity into the franchise, the 7-9 start and humiliating 102-78 loss to the ...

Bank to ease repossessions threat - Evesham Journal
Royal Bank of Scotland has announced that it will give struggling homeowners at least six months before launching repossession action. The NatWest parent said it was doubling the three-month breathing space currently offered to borrowers who fall ...

Meet Britain's biggest gigaholic - BBC News
After more than 5,000 gigs over 35 years, rock fan Ray Morrissey can claim to be Britain's most prolific concert-goer. On piles of notebook pages in Mr Morrissey's front room, thousands of gigs are listed, one per line, all with a mark out of 10 ...

Sixers president/GM Stefanski set dominoes in motion for new-look team - Philadelphia Daily News
THE WORD DIDN'T just ripple through the Philadelphia basketball community, it cascaded. The 76ers needed a big man and they were focused on Josh Smith, the remarkably multifaceted, young restricted free agent star of the Atlanta Hawks. This was the ...

Eye To Eye with Katie Couric - CBS News
New Episodes Daily, Monday - Friday Hear newsmakers in their own words as Katie Couric picks the hottest interview of the day from CBS News. Obama And Pop Culture |  11/05/2008 "Only On The Web": Artist Shepard Fairey's rendition of Barack Obama ...

Tale of economic survival paints grim picture of Navajo weavers - Native American Times
LINCOLN, Neb. – Helen Bedonie weaves rugs full-time for her income, using brush and roots outside her home to dye the wool taken from her sheep herd on the Navajo Nation. Nicole Horseherder, a 35-year-old Navajo fr... ELTON, La. (AP) – The ...

Affordable housing programs may get add-ons - Alaska Report
I attest, as a member of the Senate's budget committee, that numbers can be so numbing that caffeine is the fuel that gets you through budget hearings. But making numbers add up in many family's budgets can be downright terrifying. Caffeine won't ...

Bush Stands By Petraeus; New Showdowns With Hill Loom - US News and World Report
In remarks at the White House yesterday morning, President Bush said he would give Gen. David Petraeus "all the time he needs" in Iraq before proceeding with further reductions in US troop levels. Bush also said, as the CBS Evening News reported ...

Buying toxic mortgages: Hank and Ben made it sound good - Los Angeles Times Blogs
Remember how brilliant an idea Treasury Secretary Henry M. Paulson and Federal Reserve Chairman Ben S. Bernanke thought they had in September: Take $700 billion of taxpayer money and buy up toxic mortgage loans from banks. Freed of that garbage, the ...

Today's Mortgage Terms starting with L

Lender: The bank, mortgage company or mortgage broker providing the loan.

Loan Application: A statement of personal and financial information needed to apply for a loan.

Loan Application Fee: A fee applied by a lender to cover the initial costs of putting through a loan application. The fee could include the cost of getting a property appraisal, a credit report and a lock-in fee and other closing costs incurred to complete the transaction.

Loan Origination Fee: Fee charged by a lender for the administrative costs of processing a loan.

Loan to Value Ratio (LTV): The balance of the mortgage outstanding as a percentage of the home's price.

Lock or Lock In: A lender's guarantee of an interest rate for a specific period of time. The time period is usually between the loan application approval and loan closing. The borrower wants the lock to stay in effect until closing.

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