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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

Jefferson mortgage rates news:

Alabama's Riley Seeks New York's Paterson to Broker Debt Plan - Bloomberg
Oct. 7 (Bloomberg) -- Alabama Governor Bob Riley sought out New York Governor David Paterson to help broker a solution to a sewer debt crisis that has pushed the state's most populous county to the brink of bankruptcy. Riley, a Republican, called ...

Please Welcome Our New Team Members to Envoy Mortgage - PR Inside
Envoy Mortgage is pleased to announce the following new Senior Mortgage Banker Advisors to our team: Marcus D. Jefferson, often introduced by others in the Mortgage Banking Industry as a Banker's Banker, Marcus works tirelessly to earn the trust of ...

Biden says McCain's latest mortgage plan bails out bad bankers rather ... - Newsday
ST. JOSEPH, Mo. (AP) _ Democratic vice presidential candidate Joe Biden said Thursday that Republican John McCain keeps switching responses to the economic crisis and now advocates a plan for troubled mortgages that would "reward banks and lenders ...

Credit crunch hits Bay Area governments - San Francisco Business Journal
P&G: calm during storm Bank shakeups offer opportunities to community banks $1B Dallas Cowboys' stadium pricetag could increase Wells Fargo gets quick regulatory OK to buy Wachovia Developing in a downturn... The credit crunch that is mucking up the ...

Mapping the Risky New World of Municipal Bonds - BusinessWeek
by Ben Levisohn Many municipal bond investors are enjoying unusually high yields. While returns on munis have historically been about two-thirds those of U.S. government securities, they are paying higher rates than Treasuries in the current credit ...

Ala. gov asks legislators to help in county's debt - Birmingham News
BIRMINGHAM, Ala. (AP) — Gov. Bob Riley turned to legislators Tuesday for help in his attempt to find a settlement with Wall Street over Jefferson County's massive sewer debt. Riley met with Jefferson County legislators Tuesday to discuss the county ...

Riley asks for help on city's sewer debt - Montgomery Advertiser
BIRMINGHAM -- Gov. Bob Riley turned to legislators Tuesday for help in his attempt to find a settlement with Wall Street over Jefferson County's massive sewer debt. Riley met with Jefferson County legislators Tuesday to discuss the county's $3.2 ...

Biden: McCain's latest plan bails out banks - International Herald Tribune
ST. JOSEPH, Mo. : Democratic vice presidential candidate Joe Biden said Thursday that Republican John McCain keeps switching responses to the economic crisis and now advocates a plan for troubled mortgages that would "reward banks and lenders for ...

Biden: McCain’s latest plan bails out banks - Salon
Oct 9th, 2008 | ST. JOSEPH, Mo. — Democratic vice presidential candidate Joe Biden said Thursday that Republican John McCain keeps switching responses to the economic crisis and now advocates a plan for troubled mortgages that would “reward banks ...

THE RATINGS GAME: Analysts Cool On Bank Of America As Credit ... - CNN Money
BOSTON (Dow Jones) -- Wall Street analysts were quick to scale back their earnings expectations for Bank of America Corp. after it pre-announced third- quarter results, saying the company will face more credit woes as the economy continues to weaken ...