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Today's Mortgage Terms starting with D Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan. Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan. Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate. Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price. View all Terms

Ramsey mortgage rates news:

Plouffe Whistles Plus: Obama's failed fight-back - Slate
On the record Time coffee featuring Obama campaign manager David Plouffe: Plouffe argued for paying less attention to the ups and downs of the polls because a) Obama would beat McCain on turnout and b) swing voters would probably break one way or ...

Paulson's Fannie-Freddie fix - CNN Money
NEW YORK (Fortune) -- The market is betting Henry Paulson is about to put on his black hat again. But the Treasury secretary may not be so easily typecast in the saga of the government-sponsored mortgage finance companies. Shares in Fannie Mae and ...

Treasury's Vigil On Fannie, Freddie - Washington Post
Analysts who closely follow the Treasury have said that no action to rescue ailing mortgage giants Fannie Mae and Freddie Mac appears imminent this weekend. (By Mannie Garcia -- Bloomberg News) A top concern of Treasury Secretary Henry M. Paulson Jr ...

Obama's Failed Fight-Back - Slate
You know how when you give a party, you have a great time and there's this warm glow as you think about it? And then you start remembering the guests who didn't show up, and you get a little annoyed? Hillary's speech last night was like that ...

My home's value has fallen sharply. Should I default on the mortgage? - Indianapolis Star
Perhaps you owe more on your mortgage than the declining value of your home. Or maybe you had a setback and can't afford your payments anymore. The temptation to walk away can be strong. However, defaulting on your mortgage can have long-term ...

Indiana sues Countrywide over lending practices - Evansville Courier-Press
INDIANAPOLIS – Indiana has sued Countrywide Financial Corp., becoming the latest state to take the mortgage lender to court over its lending practices. Indiana Attorney General Steve Carter said in a news release Sunday that a state investigation ...

Fannie-Freddie rescue affects 'preferred' shareholders - Medford Mail Tribune
WASHINGTON — A top concern of Treasury Secretary Henry Paulson as he ponders whether to pull the trigger on a rescue plan for mortgage financiers Fannie Mae and Freddie Mac is the fate of its "preferred" shareholders, which include regional and ...

Foreclosures rising as share of sold homes in hard-hit cities, hurting ... - Eagle-Tribune
WASHINGTON (AP) — A growing share of home sales are from foreclosures, especially in states hardest hit by the housing bust. In some parts of California lately, nearly 50 percent of home sales come from foreclosed houses. The trend, which is ...

DEAD CAT BOUNCE - New York Post
Despite the bad weather, the big races at York should still go ahead in the end. Get Totesport Ebor Betting, Yorkshire Oaks Odds and International Stakes Betting:

Beautiful Miss Idaho in LCHS Parade - Spokane Spokesman-Review
Issue: Most Americans see 'judicial activism' crisis: Legal experts shocked by results of survey by American Bar Association publication /WorldNetDaily. DFO: Count me among those who believe the judiciary, particularly the federal judiciary and 9 U.S ...