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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. View all Terms

Washoe mortgage rates news:

Residents surprised by flood zone change - Reno Gazette
While the first year could cost $348, the price will climb to an annual fee of $840 or higher for every year the owner has a federally backed mortgage. Carrol Fuselier, 64, a retired resident of Wyndgate Village, is worried she won't be able to ...

Fixing Foreclosure by Fighting for Federal Dollars - KTVN.com
Washoe County officials are fighting for federal dollars to help ease the foreclosure crisis. Local and state leaders met in Carson City Wednesday to determine how to allocate the $72 million given to Nevada by the Housing and Urban Development ...

Economy worries Nevadans - Reno Gazette
Nevadans are markedly pessimistic about the worsening economy, a new statewide poll shows, as they hold dim prospects of a quick recovery, with more than one in four fearing for their jobs. And for good reason, economists say: The breadth of the ...

Room tax signatures filed - Las Vegas Sun
Major Nevada casinos and a teachers union delivered more than 130,000 signatures Monday in support of a plan to raise hundreds of millions of dollars for public schools through a hotel room tax increase in the Reno and Las Vegas areas. The Committee ...

Ohio among 16 battleground states - Canton Repository
WASHINGTON — The following 16 states are expected to be the most hotly contested in the nation on Tuesday. Here's a closer look at each. — Colorado (9 electoral votes) The Rocky Mountains have become the newest presidential battleground, with ...

October 2008 (158) - MSNBC Firstread
One thing we know is that next Wednesday it’ll be over, right? We’ll know who the new president will be and whether the Democrats will have a filibuster-proof majority of 60 in the Senate? Right? Maybe not. Insiders in Georgia are convinced that ...