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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

Gillespie mortgage rates news:

$8.5 Trillion and Counting - Reason.com
The L.A. Times on Sunday updated the numbers on 2008's historic (and historically awful) round of bailouts, and came out with a shiny new figure: $8.5 trillion . It's a useful piece of journalism, so I almost hate to complain, but the lead-paragraph ...

Continuous news, views, and abuse by the Reason staff - Reason.com
The great, unlamented mascot of Pets.com and the tech bubble, Sock Puppet, comes to Congress with a paw out for taxpayer money and inadvertently suggests a way forward through the current moment that doesn't involve massive giveaways. Approximately ...

Sep 8, 5:25 PM EDT - Associated Press
WASHINGTON (AP) -- Mortgage rates fell sharply Monday, as investors reacted to the government's takeover of Fannie Mae and Freddie Mac. And that's exactly what homeowners like Jim Chereskin had been waiting for. Chereskin, who lives in Naperville ...

Jacksonville Housing Market Starts to Stabilize - WOKV.com
There are signs of life in Northeast Florida's struggling housing market. And a real estate leader says the outcome is good news for prospective home buyers. "Our sales were up this September over last September," local Coldwell Banker President ...

Ten percent off on homes...your time to buy? - Walletpop.com
When we heard late last week that Coldwell Banker was announcing a 10-day "sale" to start last Friday, you can imagine our skepticism. Here we were looking at the worst week in stock market history, and buyers are supposed to rush out their local ...

US housing crash set to deepen in 2008 as realtors see record drop - Gulf Times
New york/ Los Angeles: For US homeowners, builders, bankers and realtors, the crash of 2007 will only get worse in 2008. Everyone from mortgage-finance company Fannie Mae to Lehman Brothers Holdings Inc expects declines next year. Existing home sales ...

Video: Annual Coldwell Banker Home Price Comparison Index Finds $1.7 ... - PR Newswire
PARSIPPANY, N.J., Sept. 9 /PRNewswire/ -- Although both are waterfront cities, something besides the salt water separates La Jolla, Calif. on the Pacific Ocean from Sioux City, Iowa on the Missouri River -- a $1.7 million dollar difference in the ...

Bush Failed Fiscal Policy - OpEdNews.com
Jay Farrington: National Emergency: The Bush Depression is Obama's 9/11. (6 comments) Until Obama realizes he is dealing with a crises on the order of 9/11, that it is a national emergency, and until he can convince Washington, Wall Street and Main ...

Four private schools 'to lose charity status' - Scotsman
FOUR of Scotland's leading independent schools will be stripped of their charitable status unless they make major changes to the way they operate, The Scotsman has learned. The country's independent schools are anxiously waiting to find out whether ...

Mirant Corp. Q3 2008 Earnings Call Transcript - Seekingalpha.com
Good day everyone and welcome to Mirant Corporation’s third quarter 2008 earnings call. (Operator instructions) For opening remarks and introductions I’d like to turn the conference over to Mr. Steve Himes, Director of Investor Relations at ...