miércoles, 31 de julio de 2013

RATE ALERT: Historically Low Rates – 2.93% APR*

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ACT NOW REFI RATES ARE ON THE RISE
2.93% APR*
� 30 yr. FIXED<<< � 15 yr. FIXED<<< � 5/1 ARM<<<

A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan. The word mortgage is a French Law term meaning "death contract", meaning that the pledge ends (dies) when either the obligation is fulfilled or the property is taken through foreclosure.[1] A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank or credit union, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. In many jurisdictions, though not all (Bali, Indonesia being one exception[2]), it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed.
how the U.S. responded to atrocities in Rwanda and Bosnia in the 1990s, has for years advocated intervention -- including military force -- to halt human rights atrocities. At her Senate confirmation hearing this month, she distanced herself from her 2002 call for a "mammoth protection force" to prevent Middle East violence, calling it a "remarkably incoherent answer."Another of Obama's picks seemed to be listing as Senate Majority Leader Harry Reid said he would not schedule a pre-recess confirmation vote on Rep. Melvin Watt, D-N.C., to head the Federal Housing Finance Agency. That agency regulates Fannie Mae and Freddie Mac, the taxpayer-backed mortgage giants who needed huge bailouts from Washington to survive the 2008 financial crisis and that many Republicans would like to replace or revamp.
One of the biggest impediments to establishing a market for electric cars is the lack of charging stations, like this one in Montpelier, Vt. (AP Photo/Toby Talbot)A California company was given more than $100 million in taxpayer funds by the federal government with few strings attached to establish a network of electric car charging stations that is fraught with problems, according to a government audit.All this, despite weak demand by the American public for electric cars.While President Obama has pledged to get 1 million electric cars on U.S. roads by 2015, a new report by the Department of Energys inspector general found that Americans aversion to electric vehicles and loose department supervision led to stalling the charging network which cost taxpayers more than $135 million.The report noted the project was filled with problems from the beginning, and said taxpayer-funded grants to San Francisco-based ECOtality for it were very generous and involved little risk by the company.- Inspector General's reportECOtality, which recently named Brandon Hurlbut, former chief of staff for ex-Energy Secretary Steven Chu, to its board, won a $99.8 million award in 2009 to install nearly 15,000 electric vehicle chargers throughout the country.The company and its subsidiaries also received about $35 million from the departments Vehicle Technologies Program from 2005 to 2011, for two multiyear projects to evaluate and test specific vehicles.Acco




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