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Economy taking its toll on students around East Bay - San Jose Mercury News
Economy taking its toll on students around East BaySan Jose Mercury News,  USA - Dec 14, 2008Jobb sent the seventh-grader to Edna Hill teacher Traci Kemper, founder of the school's PASS "thrift" store, which outfits needy children with free new and ...

KC’s budget shortfall could rise as property values fall - Kansas City Star
KC’s budget shortfall could rise as property values fallKansas City Star, MO - Dec 15, 2008R. Crosby Kemper III, director of the Kansas City Public Library, said last week that he had heard indications that property tax revenues from Jackson ...

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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.

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