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Cleveland congressman opposes bank merger - KESQ News
CLEVELAND (AP) - Rep. Dennis Kucinich says he sent a letter to the vice president of the Federal Reserve Bank of Cleveland opposing the acquisition of National City Corp. by Pittsburgh-based PNC Bank. The Cleveland Democrat on Tuesday asked the ...

Cleveland congressman opposes bank merger - KESQ News
CLEVELAND (AP) - Rep. Dennis Kucinich says he sent a letter to the vice president of the Federal Reserve Bank of Cleveland opposing the acquisition of National City Corp. by Pittsburgh-based PNC Bank. The Cleveland Democrat on Tuesday asked the ...

Democrats: Obama needs hands-on economic approach - Cleveland Plain Dealer
WASHINGTON (AP) — Democrats are growing impatient with President-elect Barack Obama's refusal to inject himself in the major economic crises confronting the country. Obama has sidestepped some policy questions by saying there is only one president ...

Congressman Opposes PNC, Nat City Merger - Street.Com
CLEVELAND -- Rep. Dennis Kucinich says he sent a letter to the vice president of the Federal Reserve Bank of Cleveland opposing the acquisition of National City ( NCC Quote - Cramer on NCC - Stock Picks ) by Pittsburgh-based PNC Bank. The Cleveland ...

NEWS BRIEFS - Columbus Dispatch
Rates on 30-year mortgages plunged this week to the lowest level since January after the government launched a sweeping new effort to aid the U.S. housing market. Mortgage finance giant Freddie Mac reported yesterday that average rates on 30-year ...

Settlement bars lender from Ohio - Cincinnati.com
Ohio Attorney General Nancy Rogers announced the agreement Wednesday with New Century Financial Corporation of Irvine, Calif. The state had sued the company last year in Cleveland over alleged shoddy mortgage-lending practices. Nearly 400 borrowers ...

Legion Post faces foreclosure - Hudson Hub-Times
Hudson -- A Florida company filed a foreclosure complaint in Summit County Common Pleas Court Nov. 21 against Lee Bishop American Legion Post 464, alleging the group is behind $587,356 in mortgage payments, including principal and late fees. Carrie ...

Foreclosure complaint filed against Legion post - Hudson Hub-Times
Hudson " A Florida company filed a foreclosure complaint in Summit County Common Pleas Court Nov. 21 against Lee Bishop American Legion Post 464, alleging the group is behind $587,356 in mortgage payments, including principal and late fees. Carrie ...

Ohio wins court settlement against mortgage lender - Zanesville Times Recorder
COLUMBUS (AP) - A bankrupt subprime lender accused of shoddy practices has been barred from accepting mortgage applications in Ohio, state Attorney General Nancy Rogers announced Wednesday. The agreement with New Century Financial Corp. of Irvine ...

Dec. 23 vote on Nat City/PNC deal - Cincinnati.com
CLEVELAND - Shareholders of National City Corp. and PNC Financial Services Group Inc. will get a chance to vote on the fate of National City at separate meetings scheduled for next month. Cleveland-based National City disclosed plans for the Dec. 23 ...

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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