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median price for a newly constructed home is up 33% in the last five years in the United States, to $228,800 in August from $171,500 in August 2000, according the statistics from the National Association of Home commercial lender mortgage services ``Changing it isn't going to decrease homeownership,'' she said. ``It may help expand homeownership to low- and middle-income people who can't take advantage of it now.'' In the third quarter of 2005, 72 percent of Freddie Mac-owned loans that were refinanced commercial lender mortgage services in new mortgages with loan amounts that were at least five percent higher than the original mortgage balances, according to Freddie Mac’s quarterly refinance review. This share is unchanged from the second quarter of 2005. A VA loan is a mortgage loan in the commercial lender mortgage services States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to American veterans or their surviving spouses (provided they do commercial lender mortgage services remarry). A promissory note is a contract detailing the terms of a promise by one party (the maker) to pay a sum of money to the other (the payee). The obligation may arise from the repayment of a loan or from another form of debt. For commercial lender mortgage services in the sale of a business, the purchase price might be a combination of an immediate cash payment and one or more promissory notes for the balance. The terms of a note typically include the commercial lender mortgage services amount, the interest rate if any, and the maturity date. Sometimes there will be provisions concerning the payee's rights in the event of a default, which may include foreclosure of the maker's interest. For loans between individuals, writing and signing a promissory note is often considered a good idea for tax and recordkeeping reasons. A promissory note differs from an IOU in that the latter is a simple acknowledgement commercial lender mortgage services the existence of a debt owed, whereas a promissory note, as its name implies, contains an commercial lender mortgage services undertaking to pay the amount stated. In the United States, a promissory note that meets certain conditions is a negotiable instrument governed by Article 3 of the Uniform Commercial Code.