Cass Mortgage Rates and Information Online from competing Lenders

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News about Mortgages:

Budgets behaving badly - International Herald Tribune
WASHINGTON : Last week, on the same day the U.S. Treasury Department announced a brand new $800 billion program to stem the financial crisis, Barack Obama held a news conference to say that he was serious about getting the budget deficit under ...

Text message scandal: Beatty takes plea deal - Detroit News
DETROIT -- Wiping tears from her eyes, former Detroit mayor chief of staff Christine Beatty agreed in court this morning to a plea bargain that is similar to that of former Detroit Mayor Kwame Kilpatrick. "I lied under oath," she said, referring to ...

Beatty takes plea deal in text message scandal - Detroit News
DETROIT -- Wiping tears from her eyes, former Detroit mayoral chief of staff Christine Beatty pleaded guilty today to two felonies that will have her serve 120 days in jail and pay $100,000 in restitution to the city of Detroit for lying to a jury ...

Matter of Records November 24 - Wichita Falls Times Record News
Target Nat’l Bank vs. Barbra Delany, 5105 Rock Point, $3,073.72, V3307 P44. Midland Funding vs. Tori Richerson, 4408 McCrory, $2,085.75, V3307 P46. Target Nat’l Bank vs. Becky K. Goolsby, 1610 Fillmore, $5,106.50, V3307 P54. Union Square FCU to ...

Cass R. Sunstein , Professor, Harvard Law School: - Politico.com
Not so terribly long ago, the phone rang in my office. It was Barack Obama. For more than a decade, Obama was my colleague at the University of Chicago Law School. He is also a friend. But since his election to the Senate, he does not exactly call ...

Housing slump could be over next year, MPs hear - Times Online
The housing market slump could be over as soon as next year if the cost of home loans falls by a further half-point, a leading housing market expert told MPs yesterday. David Miles, chief UK economist at Morgan Stanley, said that if mortgage rates ...

Pound Posts Biggest Two-Day Advance Against Dollar in 23 Years - Bloomberg
Oct. 29 (Bloomberg) -- The pound posted its biggest two-day advance against the dollar in more than 23 years as stocks rallied and a report showed mortgage approvals rose for the first time since June 2007. Britain's currency also rose the most in ...

Prices of homes dropping at fastest rate since 1952 - Guardian Unlimited
The average price of a house in Britain is £30,000 less than it was a year ago, Nationwide said yesterday, with prices tumbling in the year to October at their sharpest rate since 1952. Britain's biggest building society said prices fell 14.6% over ...

Darling: tax may rise in downturn - The Independent
Average house price has fallen £30,000 in a year Sean O'Grady: Darling's credibility has been devalued as much as sterling Darling urges banks to help small businesses US Federal Reserve cuts interest rates by half point Hungary holds out the ...

Europe pumping billions of dollars into banking system - USA Today
LONDON — European governments on Monday began pumping billions of dollars into their banks, putting more than $2 trillion on the line, in a coordinated effort to prop up struggling institutions, encourage lending and calm stock markets. At a series ...

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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