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Shenandoah Life Plans To Merge With Indiana Insurance Firm - Insurance News Net (press release)
Shenandoah Life Plans To Merge With Indiana Insurance FirmInsurance News Net (press release), PA - Nov 20, 200820--Its investment portfolio battered by the subprime mortgage meltdown, Roanoke-based Shenandoah Life Insurance Co. said Wednesday it intends to merge with ...

EDITORIAL: Shenandoah jitters: The Roanoke insurer's planned ... - Trading Markets (press release)
EDITORIAL: Shenandoah jitters: The Roanoke insurer's planned ...Trading Markets (press release), CA - Nov 21, 2008Shenandoah posted a $61.5 million loss so far this year thanks to its investment in tanking mortgage-finance giants Fannie Mae and Freddie Mac. ...

Va. insurer plans merger with Indiana company - Chicago Tribune
Va. insurer plans merger with Indiana companyChicago Tribune, United States - Nov 20, 2008Shenandoah Life Insurance Co. is planning to merge with Indianapolis-based OneAmerica Financial Partners. Wednesday's announcement came the same day that ...

Page Economy Stable, Despite National Trends - Harrisonburg Daily News Record
Harrisonburg Daily News RecordPage Economy Stable, Despite National TrendsHarrisonburg Daily News Record, VA - Nov 19, 2008The VRA combines Page and Shenandoah County numbers in the listing services. Dudley noted that a partial reason for the decline is the sales of foreclosure ...

NOTICE OF SALE UNDER POWER - Dahlonega Nugget
NOTICE OF SALE UNDER POWERDahlonega Nugget, GA - Nov 12, 2008Because of default in the payment of the indebtedness, secured by a Security Deed executed by Anthony D. Barden to Mortgage Electronic Registration Systems, ...

· Public records for Nov. 18, 2008 - Daytona Beach News-Journal
· Public records for Nov. 18, 2008Daytona Beach News-Journal, FL - Nov 18, 2008Shenandoah Stables Inc., other negligence; Colonial Bank v. David M. MacIntosh, real property; Daniel Rapoza v. Sylveena M. Nestore, auto negligence; ...

The Three R's - Harrisonburg Daily News Record
The Three R'sHarrisonburg Daily News Record, VA - Nov 21, 2008Others, such as Shenandoah University’s Clifford Thies, who spoke to the Rotary Club of Winchester on Thursday, are quick to point out that, ...

Crisis requires fiscal restraint - Charlottesville Daily Progress
Crisis requires fiscal restraintCharlottesville Daily Progress, VA - Nov 12, 2008Budget cuts and looming deficits in the central Shenandoah Valley and Charlottesville and Albemarle County combined total $8.5 million. ...

Woodstock Library Celebrating 80 Years - Harrisonburg Daily News Record
Woodstock Library Celebrating 80 YearsHarrisonburg Daily News Record, VA - Nov 12, 2008It was 1912 when a woman’s book club, the Shenandoah Spirited Sponsors (SSS), shared good books with one another. “They were just a social club who enjoyed ...

Botetourt land transfers - OurValley.org
Botetourt land transfersOurValley.org, VA - Nov 20, 2008Daniel Reed Bush to Shenandoah Baptist Church Inc., 5.408-acre tract, $44000. • Bailey Real Estate, LLC, to Shenandoah Baptist Church Inc., 24.617 acres, ...

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Today's Mortgage Terms starting with M

  • Margin: The percentage difference between the index for a specific loan and the interest rate charged. This is a number already set by the lender.
  • Market Value: The price at which a given property or product is transacted between a willing, unhurried buyer and a seller who know all the pertinent facts about the property.
  • Mortgage Banker: A financial institution who directly funds home loans, sells them to investors, arranges monthly payments and handles escrow. Some mortgage bankers sell their loans on the secondary market.
  • Mortgage Broker: A broker arranges financing for borrowers with a variety of lenders. A mortgage broker does not make the loan, but receives payments for its services.
  • Mortgage Insurance: It is insurance to protect the lender in case you default on your loan. With conventional loans, mortgage insurance is generally not required if you make a down payment of at least 20% of the home's appraised value. It is also known as PMI (Private Mortgage Insurance).
  • Mortgage Loan: A loan for which a specific real estate property serves as collateral to provide for repayment in case of default.
  • Mortgage Refinance: A refinanced mortgage is one in which a borrower pays down an old loan with a new loan. People who refinance a mortgage tend do so to get a lower interest rate, lowering their payments or to take cash out of their home equity.
  • Mortgagee: The lender in a mortgage loan relationship. Property is used as collateral to make payment.
  • Mortgagor: The borrower in a mortgage loan relationship. Property is used as collateral to make payment.

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