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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. View all Terms

Clay mortgage quotes news:

House Race Update: Ohio Sup. Ct. to Rule on Franklin County Votes - ABC News Blogs
ABC News' Teddy Davis and Arnab Datta Report: A federal appeals court ruled Tuesday that the Ohio Supreme Court -- and not a federal district court -- is the proper forum to decide how approximately 1,000 challenged provisional votes should be ...

What is the single most important ramification of the election? - Atlanta Journal Constitution
Before I tackle this week’s topic, I must first congratulate Barack Obama. Even the election of a man with whom I deeply disagree makes me proud to be an American. I will probably object to his policy priorities, but the ascendance of our first ...

Recount Thursday: Al crows while Norm burns - Minnpost.com
Reporters bone up on their recount math as Norm Coleman's margin drops to 236 . The PiPress notes the numbers will continue to fluctuate; counties re-add their results through Monday, and there's an ongoing, non-recount-related audit of 202 randomly ...

Mayor Newsom To Begin Alcohol Abuse Treatment - San Francisco Gate
Update: Online reaction to the recent news from Room 200 continues: Le Blog de San Francisco: The Chron: Alone In Spreading Republican Lies , What the Chron won't tell you , and WTF? SFist.com: You Knew it had to Happen and Today on As The Gav Turns ...

America under President Obama: A view from the Christian Right - Atlanta Journal Constitution
Focus on the Family, an evangelical Christian group founded by Dr. James Dobson, claims to reach more than 220 million people in 155 nations, and Dobson himself is often described as the nation’s most influential evangelical leader. He is deeply ...

Home insurance - This is Money
Home owners need two types of home insurance to enjoy peace of mind. Buildings cover pays for damage to your home caused by, for example, fire or subsidence. Contents cover protects your household possessions. These two types of cover may be bought ...

Poll: Obama widens lead - Globe Gazette
They're taking no chances at Madame Tussauds Wax Museum in London. Despite the polls, the staff there have prepared clay head molds for both John McCain (left) and Barack Obama so a display featuring the new U.S. president can be moved into place ...

ESCONDIDO: $6M deficit may force deep budget cuts - North County Times
ESCONDIDO ---- Facing a projected budget deficit of nearly $6 million, Escondido city officials are considering drastic moves that include closing the East Valley library branch, laying off 19 police officers and asking employees to take voluntary ...

Is Water the New Oil? - Common Dreams
It's hard to imagine why humans would have chosen the achingly arid stone desert of Wadi Faynan for their first settlement. But water would have been one important reason, says archaeologist Steven Mithen. When Neolithic men and women arrived 11,500 ...

The Wages of Sin - Baltimore Chronicle
It's anyone's guess how an economic crisis this grave will be resolved or how things will look when it ends. But the age of George W. Bush is over, and not a moment too soon. Undoing his damage may be too great a task for any head of state—even for ...