Moseley Mortgage Rates and Information Online from competing Lenders

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Dear Santa, - Chicago Tribune
When Ronisha Moseley's stepmother gently told her the family might not have Christmas presents this year, the 10-year-old turned to the one person she believed could help: Santa Claus . Pencil in hand, Ronisha wrote him a one-page letter on ...

Woman awaits trial on 3rd felony theft charge in 8 years - Fort Worth Star-Telegram
Allen and Melody Shelton knew a bit about Julie Witt Steen’s past legal troubles when they hired her last year to book weddings at A&M Gardens, their 6-acre banquet facility north of Azle. Like others before them, the Sheltons were drawn to Steen ...

In Hard Times, Lines Long for a Giveaway - Washington Post
In Maryland, Virginia and the District, locals find ways to tell stories, give thanks and share blessings. Carter was one of thousands of people who waited yesterday -- some for as many as five hours -- to receive a free turkey, the trimmings and a ...

Homeless population skyrockets - WHAS 11
The tough times touch just about everybody.  But some people lose everything.  And the homeless population is skyrocketing. It’s still dark out when Terri Perez turns on the lights to get to her locker and start her day. Terri Perez says, “I ...

Poor Still Suffering From Last Recession - Common Dreams
PHILADELPHIA - Many of the poorest people in the United States are still struggling to recover from the effects of a recession that ended six years ago, making them very vulnerable as the country stands on the brink of a new downturn.In 2006, the ...

Obama's Big Lie in the Last Debate - American Thinker
Since even CNN is now reporting on widespread voter fraud being perpetrated by the radical group ACORN, Obama has been forced once again to distance himself from his old buddies. I guess Bill Ayers and Reverend Jeremiah Wright won't feel so lonely ...

Barack Obama and the Strategy of Manufactured Crisis - American Thinker
America waits with bated breath while Washington struggles to bring the U.S. economy back from the brink of disaster. But many of those same politicians caused the crisis , and if left to their own devices will do so again. Despite the mass media ...

The Road to Recovery - Mountain News
A year has passed since the Grass Valley and Slide Fires swept through the mountain communities, destroying 450 structures and damaging 65 others. Over the course of that year the fire survivors have dealt with insurance companies, architects ...

RSS Feed: Local News - Tracy Press
A local businesswoman, mother and motivational speaker says it's the beginning of a brand new America, thanks to the election of Sen. Barack Obama. Some 150 years after the end of slavery and 40 years after the assassination of Dr. Martin Luther King ...

BARACK OBAMA APPROACHES MLK/MANDELA STATUS - OpEdNews.com
S ome random Election Day 2008 observations. The Standard Refrain : Egregiously long lines awaiting the civic-minded. If I thought I was going to get a jump on folks by showing up at the polls earlier than any other time in my voting life, it turns ...

Today's Mortgage Terms starting with P

Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.

Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.

Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.

Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.

Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.

Principal: It is the amount of money borrowed or owed, excluding interest.

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