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Ashburnham	Charlton City	Fitchburg	Leicester	North Grafton	Royalston	Sturbridge	Westborough
Athol	Charlton Depot	Gardner	Leominster	North Oxford	Rutland	Sutton	Westminster
Auburn	Cherry Valley	Gilbertville	Linwood	North Uxbridge	Shrewsbury	Templeton	Wheelwright
Baldwinville	Clinton	Grafton	Lunenburg	Northborough	South Barre	Upton	Whitinsville
Barre	Douglas	Hardwick	Manchaug	Northbridge	South Grafton	Uxbridge	Winchendon
Berlin	Dudley	Harvard	Mendon	Oakham	South Lancaster	Warren	Winchendon Springs
Blackstone	East Brookfield	Holden	Milford	Oxford	Southborough	Webster	Worcester
Bolton	East Princeton	Hopedale	Millbury	Paxton	Southbridge	West Boylston

Boylston	East Templeton	Hubbardston	Millville	Petersham	Spencer	West Brookfield

Brookfield	Fayville	Jefferson	New Braintree	Princeton	Sterling	West Millbury

Charlton	Fiskdale	Lancaster	North Brookfield	Rochdale	Still River	West Warren

Today's Mortgage Terms starting with F Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac): A semi government agency that acquires conventional loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending. Federal Housing Administration (FHA): A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans. Federal National Mortgage Association (FNMA or Fannie Mae): This agency purchases loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending. FHA Loans: Fixed or adjustable-rate loans that are insured by the U.S. Department of Housing and Urban Development. The purpose of FHA loans is to make housing more affordable, especially for first-time homebuyers. First Mortgage: A mortgage which is in first lien, taking priority over all other liens. In case of a foreclosure, the first mortgage will be repaid before any other mortgages. Fixed Rate Loan: Fixed-rate loans have interest rates and payments that are fixed through out the term of the loan. Foreclosure: A legal process in which a mortgaged property may be liquidated to pay off a mortgage loan that is in default. View all Terms

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