Richfield Mortgage Rates and Information Online from competing Lenders

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Both father and son now dead in shooting on Madison's West Side - Wisconsin State Journal
A Middleton man died this afternoon, a day after shooting himself and his 12-year-old son in a car parked on a quiet residential street. The father, Ryan Dutter, 36, had served in the Navy and worked as a mortgage broker and bank manager. His son ...

GMAC applies to become bank holding company - Minneapolis-St Paul Business Journal
GMAC Financial Services is seeking approval to become a bank holding company, a move that could give it access to federal bailout funds. The company also said it is launching exchange and tender offers to buy outstanding notes held by the firm and ...

Richfield to consider business park annexation - Milwaukee Journal Sentinel
Nov. 17, 2008 | Richfield - The Village Board on Thursday will consider its first request for annexation - a petition from all property owners in the 46-acre Helsan Business Park in the Town of Polk to join Richfield. Total fair market value of the ...

Buying foreclosed home can -- sometimes -- make best of bad situation - MLive.com
Ryan Garza | The Flint Journal "The money I make on this house down the road will make up for the stock market losses I've taken on the other side," said Robert Prusinski, who is buying a foreclosed Flint Twp. home owned by the U.S. Department of ...

Immelt's GE Purchases Signal Sell as Insiders Buy (Update3) - Bloomberg
Nov. 17 (Bloomberg) -- General Electric Co. Chief Executive Officer Jeffrey Immelt and Citigroup Inc.'s Vikram Pandit are back to buying their own companies' shares. That means there may be more stock declines to come. CEOs, directors and other ...

Retail job losses sap an occupational safety net - Charleston Post & Courier
Circuit City Stores Inc.’s bankruptcy-court filing Monday underscores how this economic downturn may differ from others in recent memory: The U.S. retail sector is losing its place as the employer of last resort for the newly unemployed. Circuit ...

Items pertaining to Fulton neighborhood - Southwest Journal
ARMATAGE — Principal Joan Franks was working with district and city officials to head-off what she termed “an accident waiting to happen” near Armatage Community and Montessori School in February. Franks said traffic near the intersection of ...

GMAC: ResCap on brink of failing - Pioneer Press
GMAC LLC, the financing arm of General Motors Corp. gripped by a cash squeeze, posted its fifth straight loss and said its Richfield-based mortgage unit may not survive. The third-quarter net loss widened to a record $2.52 billion from $1.6 billion a ...

Stocks plunge after Treasury's Paulson changes financial bailout ... - Los Angeles Times
Reporting from New York -- More glum news on consumer spending and a reversal in the Treasury Department's plan to buy troubled mortgage-related debt from the country's banks combined to drive the stock market to its third straight loss Wednesday ...

U.S. Retail Sales Drop in October by Most on Record (Update2) - Bloomberg
Nov. 14 (Bloomberg) -- Retail sales in the U.S. dropped in October by the most on record, pushing the economy toward the worst slump in decades. The 2.8 percent decrease was the fourth consecutive drop and the biggest since records began in 1992, 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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