PMC Funding
Nov 20, 2008
FAQ (Frequently Asked Questions)

How do I know what type of mortgage is best for me?
The ultimate answer to this question will be obtained through one of our mortgage specialists. That person will help you arrive at the "best" answers; here are some items to consider in helping you address this question:
  • Your current financial picture;
  • How long you intend to keep your house; one of the most important aspects of your decision making process! - our experts will help you understand why.
  • Do you expect your finances to change?


What is pre-qualification?
Initial establishment of a borrower's qualification for a mortgage loan amount (or range), based on the borrower's assets, debts, income and selected loan program(s).

Here is a simple, straightforward evaluation:
  • What is your capacity to pay the debt?
Two debt ratios are used to determine your capacity to repay a loan.

The "Housing Ratio":
  • Monthly Housing Expenses*/Gross Monthly Income = Housing Ratio
* This includes: loan payment (principal and interest), real estate taxes, hazard insurance, flood insurance, mortgage insurance, homeowners' association dues, ground rent (leasehold), special assessments, subordinate financing.

The "Debt Ratio":
  • Monthly Fixed Expenses**/Gross Monthly Income = Debt Ratio
**This includes: monthly housing expenses, installment credit balances with more that 10 months remaining, revolving credit with more than 10 months remaining, real estate loan payments on non-income-producing property or negative cash flow on non-owner-occupied property, alimony, child support or maintenance.


What is a buy-down?
Where the buyer, seller or lender pays additional discount points in return for a below market interest rate. During times of high interest rates, buy-downs may induce buyers to purchase property they may not otherwise have purchased.


What is the origination fee?
The amount charged to originate and close a mortgage loan. Origination fees are usually expressed in points, however, some companies may state a portion of the fees as origination fees plus points.


What are closing costs?
Costs payable by both seller and buyer at the time of loan settlement (close of escrow), when the purchase or refinance of a property is finalized. These costs usually include but are not limited to the following:
  • Title search and insurance, escrow fees
  • Sales commissions (Realtor)
  • Origination fee
  • Discount points
  • Recording fees
  • Courier charges
  • Processing and document preparation fees


What is an escrow account - or - an impound account?
When borrowers make their monthly mortgage payments, they usually also make a payment towards the anticipated annual amount needed to pay taxes and insurance premiums. These funds are placed in an escrow account (also known as Impound account), until the lender pays the taxes and insurance as they become due.


What is the APR?
APR is an acronym for Annual Percentage Rate. It is the actual interest rate, taking into account points and other finance charges, for the projected life of a mortgage. Disclosure of the APR is required by the Truth-In-Lending Law and allows borrowers to compare the actual costs of different mortgage loans.


What is amortization?
The reduction of a debt by regular, usually monthly, installments of principal and interest.


Lock-in, what is that?
The guarantee of a specific interest rate for a specific period of time. An interest rate can be "locked in" for a set amount of time - the shorter length of time for the lock in, the lower the cost in points - our loan specialists can help you determine the optimal amount of time based on your needs and goals.


When can I Lock-in the interest rate?
Generally, as soon as you complete your loan application. You should notify your loan agent that you would like to lock or float. Remember, the shorter the time of the lock in - the lower the points.


How long are lock-ins valid?
The lock-in should be long enough to allow for the loan to close escrow. Some examples of lock-in terms are for 10, 15, 30, or 45 days; locks are available for longer terms as well, but again, at a higher cost for the amount of time forward.


What are points?
Charges levied by the lender based on the loan amount. Each point is one percent of the mortgage loan amount; for example, one point of a $100,000 mortgage is $1,000.


How long will the loan process take?
Once you apply, we will begin to verify all the information you provided. The total can take anywhere from a week plus. Other factors include whether the applicant is self-employed, title clearance, etc. Time delays can also occur if outside sources or you do not provide documents to the lender in a timely manner. Be sure to respond promptly to requests for information while processing is taking place.


Where do I go to sign up for my loan - close my escrow?
This service is usually provided by a third party; such as a title/escrow company, or an attorney. Funds taken to escrow by the borrower usually need to be in the form of a cashier's check. This can be discussed once the closing date has been established. Most lenders will handle all of the details for you.


What is a conventional or conforming loan
A loan that conforms to Fannie Mae or Freddie Mac lending guidelines. A loan that is not insured, guaranteed or funded by the Veterans Administration (VA), the Federal Housing Administration (FHA), or the Rural Economic Community Development (RECD) (formerly Farmers Home Administration). Loans guaranteed by the agencies listed above are referred to as "government loans."


What is a jumbo loan?
A loan that is larger than the conventional / conforming limits set by the Federal National Mortgage Association (FNMA) or Federal Home Loan Mortgage Corporation (FHLMC) guidelines. This is also referred to as a nonconforming loan.


What is PITI?
An abbreviation for principal, interest (on the mortgage loan), property taxes and insurance - the total amount of those items.


What is hazard insurance?
A form of insurance that protects the insured property against physical damage such as fire. Mortgage lenders often require a borrower to maintain an amount of hazard insurance on the property that is equal to at least the amount of the mortgage loan.


Will my loan be sold?
The "servicing" on your loan (e.g., the right to collect payments for a fee) is a marketable asset, which your lender can sell to other sources. As part of the loan documentation, you will sign a form that recognizes the fact that the servicing of your loan may be sold. Most fixed rate loans are in fact sold.

By selling loans into the "secondary market" the lender removes interest rate risk to themselves, investment companies "pool" or package millions or billions of dollars of these loans. Shares are issued to individual investors - based on the value and anticipated risk associated with the "pool". This "Secondary Market" has contributed to lower interest rates for all of us.


Is there a prepayment penalty if I pay the loan in advance, either monthly or in full?
On some loans, check with your loan agent, but most allow you to pay off the entire loan or make additional payments any time without penalty.


What does LTV stand for?
LTV is an acronym for Loan-to-Value. This is the relationship, expressed as a percentage, between the amount of a loan and a property's value or sales price. For example, a $75,000 loan on a property appraised at $100,000 is a 75% LTV.


What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed rate mortgage is a mortgage that has an interest rate that stays fixed for the life of the loan. On an adjustable rate mortgage the interest rate changes based upon a specific financial index (such as Government Treasury bill rates) and payments may go up or down based on the movement of that index.


What is private mortgage insurance?
This insurance protects lenders against loss due to foreclosure or loan default. Mortgage insurance is required on conventional loans with less than a 20 percent down payment or equity at closing of less than 80% loan-to-value.


Private mortgage insurance, who pays for it?
It is typically paid monthly by the borrower as part of their monthly mortgage payment. Some lenders have programs in which they pay for the private mortgage insurance, however, your interest rate will generally be higher for these programs.


Should I do a no point, no fee loan?
These loans are an excellent idea if you are planning on moving in 4 to 6 years. If you plan on staying for a longer term, you will probably benefit by paying points, to 'buy' yourself a lower interest rate.


What is a Credit Score?
Credit scores are numeric representations of your credit profile. The higher the score the better credit risk you are. Presumably, you can be denied a mortgage loan if your score is too low.

These scores have been around for several years but started to be used in the mortgage lending business in 1995.
  1. They are based on years of computer "modeling" aimed at predicting who might be a good or bad credit risk.
  2. Their purpose is to reduce the cost of examining a credit report and speed mortgage approvals.
  3. Important negative factors are: bankruptcies, delinquencies, credit lates, collections, "too much" credit, or too little credit history.
  4. The score is only as good as the data. The amount of credit data history is so large that there are problems with it.


Why do interest rates go up and down?
Because lenders pool loans into securities and then sell them in "the secondary market" they are competing with the entire pool of worldwide investment opportunities like treasury bonds, stocks, etc.

Any inflationary news can trigger investor moves that trigger smaller values for fixed-rate securities. This would cause a rise in mortgage interest rates. Many additional factors, too numerous to mention here, can also affect interest rates. Markets move on emotions, thus no one can really tell what will happen on a day to day basis.


What are IRS Forms 4506, 8821, and 9501?
IRS 4506, 8821, and 9501 are forms which allow the lender to receive an electronic abstract of your tax returns.

In this day of scanners, laser printers, and tax preparation software it is easy to prepare a set of "phony" tax returns to submit to the lender. This form allows us a lender to check the returns you supply us with those at the IRS.


Can I change the loan amount or program after I've applied for a loan?
Of course. Please remember that any changes that you make may extend the time that it takes to close your loan, or may increase the cost of closing.


After I apply, what should I expect?
Within 2 business days you will receive a package from us. The package will include a copy of your application and a list of documents that we need to close your loan. If you do not receive your package within two days, please don't apply online again. Call us, and we'll try to help you.


How do you save me money?
Our website and software were developed to guide borrowers through the loan decision and application process with ease. The efficiencies of receiving a complete application file and supporting documentation dramatically reduces our costs. Those savings are passed on to you.


After I send my paperwork back, what happens?
Your loan will be reviewed or pre-underwritten. Once it's submitted to the final lender, there may be additional needs. We will, of course, try to anticipate those and make the process easy for you.


When should I lock my rate?
We recommend watching the market and then locking in. Please note that a lock can't be changed once you select your product, so we ask that you be certain of your request.


What about the appraisal?
We'll arrange for an appraisal of your property and will use your estimated value as a guideline. The appraisal must be paid COD.


Who handles my closing and where do I sign?
If you're buying a home, your closing agent(Title/Escrow Co.) will be selected by your Realtor or you can pick one yourself. If you're refinancing a property, you can choose the company or we'll select a closing agent for you.


Is my interest rate locked in as soon as I apply for a loan?
We have found that clients prefer watching the market before they commit to a specific rate. You can request a rate lock after you have returned your application and we have reviewed your documentation and credit information.
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ALL CITIES IN FLORIDA INCLUDING: alachua, altamonte springs, amelia island, apalachicola, aventura, avon park, bal harbour, boca raton, bonita springs, baynton beach, bradenton, brooksville, cape canaveral, cape coral, carrabelle, casselberry, cedar key, centruy, chipley, cinco bayou, clearwater, clearwater beach, clewiston, cocoa beach, coconut creek, cooper city, coral gables, coral springs, crescent city, crystal river, dade city, dania beach, davie, daytona beach, deerfield beach, defuniak springs, delray beach, deltona, destin, dunedin, eastpoint, edgewater, englewood, eustin, everglades city, fellsmere, flagler beach, fort lauderdale, fort meade, fort myers, fort myers beach, fort pierce, fort walton beach, gainesville, goodland, green cove springs, greenacres, gulfport, halifax, hallandale, hawthorne, hialeah, hialeah gardens, high springs, highland beach, hobe sound, hollywood, homestead, hypoluxo, indialantic, indian river shores, islamorada, jacksonville, jensen beach, juno beach, jupiter, key biscayne, key largo, key west, keystone heights, kissimmee, labelle, lake alfred, lake park, lake wales, lake worth, lakeland, lantan, largo, lauderdale by the sea, lauderhill, leesburg, lighthouse point, longboat key, longwood, loxahatchee, macclenny, maitland, mangonia park, marathon, marco island, margate, melbourne, melbourne beach, miami, miami beach, micanopy, milton, moramar, mount dora, naples, new port richey, new smyrana beach, north miami, north miami beach, north palm beach, north port, oak hill, oakland park, ocala, ocoee, orchid, orlando, ormond beach, oviedo, pahokee, palm bay, palm beach, palm beach gardens, palm beach shores, palm coast, palm springs, panama city beach, pembroke pines, pensacola, pensacola beach, perido key, perry, pigeon key, pine island, pinecrest, pinellas park, plant city, plantation, pompano beach, port orange, port st. lucie, punta gorda, redington shores, riverview, riviera beach, rosemary beach, royal palm beach, safety harbor, st. augustine, st. could, st. georgeisland, st. pete beach, st. petersburt, sanford, sanibel, sarasota, satellite beach, seaside, sebastian, sewall's point, shalimar, singer island, southwest ranches, stuart, sunrise, surfside, tallahassee, tamarac, tampa, tarpon springs, tavares, tequesta, the acreage, the villages, titusville, treasure island, venice, vero beach, wellington, west melbourne, west palm beach, weston, wilton manors, winter garden, winter haven, winter park. ALL CITIES IN IDAHO INCLUDING: aberdeen, acequia, american falls, ammon, bancroft, blackfoot, boise, bonners ferry, buhl, burley, caldwell, carey, cascade, challis, chubbuck, coeur d' alene, cottonwood, council, dietrich, downey, driggs, eagle, elk city, emmett, fairfield, franklin, fruitland, garden city, garden valley, genesee, glenns ferry, gooding, grandjean, grace, grangeville, hagerman, hailey, harrison, hauser, hayden, heyburn, hidden springs, homedale, horshoe bed, idaho city, idaho falls, jerome, kamiah, kellogg, ketchum, kimberly, kooskia, kuna, lava hot springs, lewiston, mackay, malad, malta, marsing, mccallm mccammon, melba, meridian, middleton, montpelier, moscow, mountain home, murrray, nampa, new meadows, new plymouth, nezperce, orofino, payette, pierce, pocatello, post falls, potlatch, preston, priest river, rathdrum, rexburg, richfield, rigby, riggins, rupert, salmon, sandpoint, shelley, shoshone, soda springs, star, st. anthony, st. maries, stanley, sun valley, twin falls, troy, wallace, wardner, weippe, weiser, wendell, whitebird. ALL CITIES IN IOWA INCLUDING: ackley, adams, adel, afton, albert city, albia, alden, alexander, algona, alta, alton, altoona, amana colonies, ames, anamosa, anita, ankeny, anthon, aplington, arlington, arnold park, atkins, atlantic, baxter, bedford, belle plaine, bellevue, bentonsport, bettendorf, birmingham, bonaparte, bondurant, boone, boyden, brooklyn, buffalo center, burlington, calmar, carlisle, carroll, carson, carter lake, cascade, casey, cedar falls, cedar rapids, centerville, central city, chariton, charles city, cherokee, chester, clarence, clarinda, clarion, clarksville, clear lake, clermont, clinton, clive, coalville, colo, columbus junction, conrad, coralville, corning, council bluffs, creston, danville, davenport, davis city, decatur city, decorah, denison, denver, des moines, dewitt, donnellson, dows, dubuque, dumont, dunlap, dyersville, dysart, eagle grove, earlham, eldora, eldridge, elgin, elk horn, elkader, elma, ely, emmetsburg, essex, estherville, evansdale, fairbank, fairfield, farley, farmington, fayette, fenton, fontanelle, forest city, fort dodge, fort madison, franklin, fredericksburg, galva, garner, george, gilman, gladbrook, glenwood, granger, greene, grimes, grinnell, griswold, grundy center, guthrie center, guttenberg, hamburg, hampton, harlan, harpers ferry, hartley, hawarden, hiawatha, hinkletown, holstein, holy cross, humboldt, huxley, ida grove, independence, indianola, iowa city, iowa falls, ireton, irwin, jefferson, jesup, johnston, kalona, kamrar, kellogg, keokuk, keosauqua, kingsley, kirkman, kirkville, knoxville, lake city, lake mills, lake park, lake view, lansing, larchwood, larrabee, lawton le claire, le mars, leon, lewis, lime springs, linn grove, lisbon, little sioux, logan, lone rock, long grove, lowden, lynnville, macedonia, madrid, manchester, manilla, manning, manson, mapleton, maquoketa, marengo, marion, marne, marquette, marshalltown, mason city, mccallsburg, mcgregor, mcintire, mechanicsville, mediapolis, melrose, miles, milford, minden, mineola, missouri valley, monona, montezuma, monticello, montrose, moravia, morning sun, mount pleasant, mount vernon, muscatine, nashua, neola, nevada, new hampton, new providence, new virginia, newton, nichols, north liberty, northwood, norwalk, oakland, odebolt, oelwein, okoboji, olin, onawa, oran, orange city, osceola, oskaloosa, ottumwa, oxford junction, panora, parkersburg, pella, perry, plainfield, pleasant hill, plymouth, pocahontas, polk city, prairie city, preston, primghar, protivin, randall, randolph, red oak, redfield, reinbeck, remsen, riceville, ringsted, robins, rock falls, rock rapids, rock valley, rockwell, rockwell city, roland, rolfe, sac city, saint ansgar, sanborn, schleswig, sergeant bluff, shelby, sheldon, shell rock, shenandoah, sibley, sigourney, sioux center, sioux city, sioux rapids, solon, spencer, sprit lake, springville, st. ansgar, st. paul, stacyville, stanhope, stanley, stanton, storm lake, story city, stratford, strawberry point, stuart, sully, tama, tiffing, tipton, titonka, toledo, traer, treynor, underwood, urbana, urbandale, van meter, vedic city, ventura, villisca, wahpeton, walcott, walnut, waterloo, waukee, waverly, webster city, west bend, west branch, west burlington, west des moines, west liberty, west point, west union, whittemore, willamsburg, wilton, windsor heights, winfield, wiota, wyoming, zearing. ALL CITIES IN KENTUCKY INCLUDING: berea, bowling green, brandenburg, campbellsville, covington, crestview hills, danville, dawson springs, elizabethtown, erlanger, fort mitchell, fort thomas, fort wright, frankfort, georgetown, glasgow, harrodsburg, henderson, hopkinsville, kentucky lake area, lake barkley, lebanon, lexington, louisville, mammoth cave, monticello, mount sterling, owensboro, paducah, prospect, radcliff, richmong, springfield, west liberty, williamstown, winchester. ALL CITIES IN LOUISIANA INCLUDING: abbeville, addis, alexandra, baker, baton rouge, bogalusa, bossier city, cajun coast, covington, delcambre, erath, eunice, french settlement, gretna, gueydan, hammonnd, harahan & metairie, houma, iberia, kaplan, kenner, kentwood, kinder, lafayette, lafitte, lake charles, laplace, mandeville, minden, monroe, natchitoches, new orleans, opelousas, palmetto, pineville, ponchatoula, rayne, ruston, st. francisville, shreveport, slidell, springhill, vidalia, ville platte, vivian, walker, westwego, winnsboro. ALL CITIES IN MARYLAND INCLUDING: aberdeen, adamstown, annapolis, baltimore, bel air, beltsville, berlin, berwyn heights, bethesda, bowie, catonsville, chesapeake city, chestertown, cheverly, college park, columbia, crisfield, cumberland, delmar, denton, district heights, easton, emmitsburg, federalsburg, frederick, frostburg, fruitland, gaithersburg, garrett park, glen echo, grantsville, greenbelt, hagerstown, heampstead, hancock, havre de grace, hyattsville, indian head, kensington, laurel, leonardtown, manchester, mount airy, mount ranier, myersville, new carrollton, north beach, north chevy chase village, new market, new windsor, oakland, ocean city, ocean pines, pikesville, poolesville, prt towns, preston, princess anne, ridgley, riverdale park, rock hall, rockville, st. mary's city, st. michaels, salisbury, silver spring, smithsburg, snow hill, solomons island, southern maryland, sykesville, takoma parek, taneytown, tilghman island, union bridge, upper marlboro, washington grove, westminster. ALL CITIES IN MASSACHUSETTS INCLUDING: acton, andover, ashland, attleboro, bedford, bellingham, belmont, berkshire, beverly, billerica, boston, brookfield, brookline, cambridge, cape ann, cape cod, carlisle, charlestown, chelmsford, chicopee, clinton, concord, douglas, dracut, eastham, easthampton, easton, essex, everett, fall river, falmouth, framingham, fitchburg, freetown, gloucester, grafton, great barrington, greenfield, groton, hadley, hampden, harwich, haverhill, holliston, holyoke, hopkinton, hudson, hull nantasket, hyannis, jamaica plain, lancaster, lenox, leominster, lexington, lincoln, longmeadow, lowell, malden, manchester by the sea, marlborough, martha's vineyard, mashpee, maynard, medfield, medford, middleborough, mildford, nantucket, needham, new bedford, newburyport, newton, north adams, northampton, northborough, old strubridge, peabody, plymouth, provincetown, quincy, revere, rockport, salem, sandwich, saugus, scituate, shrewsbury, somerville, southern berkshire, springfield, stoneham, sudbury, raunton, tewksbury, tyngsborough, walpole, waltham, wellesley, westborough, weston, westfield, westford, wilbraham, winchester, woods hole, worcester. ALL CITIES IN MICHIGAN INCLUDING: albion, alma, alpena, ann arbor, auburn hills, battle creek, belleville, benzie county, big bay, big rapids, brimingham, bridgman, boyne city, brighton, cadillac, canton, carson city, cass city, cedar springs, charlevoix, charlotte, charlevoix, cheboygan, clinton township, croswell, dearborn, dearborn heights, delhi townsip, delta county, delta township, detriot, dexter, dundee, durand, east grand rapids, east lansing, eastpointe, evart, farmington, farmington hills, ferndale, flat rock, flint, gaylord, grand blanc township, grand haven township, grand ledge, grand marais, grand rapids, grayling, grosse pointe woods, harbor country, harbor springs, hart, hell, holland, homer, houghton lake, howell, hudson, hudsonville, huntington woods, huron township, ionia, jackson, kalamazoo, keego habor, lake odessa, lansing, lansing township, livonia, ludington, mackinac island, manchester, midland, milan, mount pleasant, munising, muskegon, nashville, niles, northville, novi, oak park, oakland township, orion township, owosso, oxford township, petoskey, plymouth, port huron, port sanilac, portage, richmond, rochester, rochester hills, rockford, roseville, saint clair, saint clair shores, saint ignace, saint johns, saint joseph, saugatuck & douglas, sault ste marie, shelby township, south haven, south lyon, southfield, stephenson, sterling geights, sturgis, summit township, taylor, traverse city, trenton, vermontville, wayne, westland, zeeland. ALL CITIES IN NEBRASKA INCLUDING: abie, adams, ainsworth, albion, alda, alexandria, allen, alliance, alma, alvo, amherst, anoka, anselmo, ansley, arapahoe, arcadia, arlington, arnold, arthur, ashland, ashton, atkinson, atlanta, auburn, aurora, avoca, axtell, ayr, bancroft, barada, barneston, bartlett, bartley, bassett, battle creek, bayard, bazile mills, beatrice, beaver city, bee, beemer, belden, belgrade, bellevue, bellwood, belvidere, benedict, benkelman, bennet, bertrand, berwyn, big springs, bladen, blair, bloomfield, bloomington, blue hill, blue springs, boelus, bradshaw, brady, brainard, brewster, bridgeport, bristow, broadwater, brock, broken bow, brownville, brule, bruning, bruno, brunswick, burchard, burr, burton, burwell, bushnell, butte, byron, cairo, callaway, cambridge, campbell, carleton, carroll, cedar bluffs, cedar creek, cedar rapids, center, central city, ceresco, chadron, chambers, chapman, chappell, chester, clarks, clarkson, clatonia, clay center, clearwater, clinton, cody, coleridge, colon, columbus, comstock, concord, cook, cordova, cornlea, cortland, cotesfield, cowles, cozad, crab orchard, craig, crawford, creighton, creston, crete, crofton, crookston, culbertson, curtis, cushing, dalton, danbury, cannebrog, davenport, davey, david city, dawson, daykin, decatur, denton, deshler, deweese, dewitt, dickens, diller, dix, dixon, dodge, doniphan, dorchester, douglas, dubois, dunbar, duncan, dunning, dwight, eagle, eddyville, edgar, edison, elba, elgin, elk creek, elmwood, elsie, elwood, elyria, emerson, emmet, endicott, ericson, eustis, ewing, exeter, fairbury, fairfield, fairmont, falls city, farnam, farwell, filley, firth, fordyce, fort calhoun, foster, franklin, fremont-inglewood, friend, fullerton, funk, gandy, garland, garrision, geneva, genoa, gibbon, bilead, giltner, glenvil, goehner, gordon, gothenburg, grafton, grainton, grand island, grant, greeley, greenwood, gresham, gretna, gross, guide rock, gurley, hadar, haigler, hallam, halsey, hamlet, hampton, harbine, hardy, harrison, hartington, harvard, hastings, hay springs, hayes center, hazard, heartwell, hebron, hemingford, henderson, hendley, henry, herman, hershey, hickman, hildreth, holbrook, holdrege, holstein, homer, hoper, hordville, hoskins, howells, hubbard, hubbell, humboldt, humphrey, huntley, hyannis, imperial, indianola, inman, ithaca, jackson, jansen, johnson, johnstown, julian, juniata, kearney, kennesaw, kennard, kilgore, kimball, lamar, laurel, lawrence, labanon, leigh, leshara, lewellen, lewiston, lexington, liberty, lincoln, lindsay, linwood, litchfield, lodgepole, long pine, loomis, lorton, louisville, loup city, lushton, lyman, lynch, lyons, madison, madrid, magnet, malcolm, malmo, manley, marquette, marsland, martinsburg, maskell, mason city, maxwell, maywood, mccook, mccool junction, mcgrew, mclean, mead, meadow grove, melbeta, memphis, merna, merriman, milford, miller, milligan, minatare, minden, mitchell, monowi, monroe, moorefield, morrill, morse bluff, mullen, murdock, murray, naper, naponee, nebraska city, nehawka, neligh, nelson, nemaha, nezel, newcastle, newman grove, newport, nickerson, niobrara, nora, norfolk, norman, north bend, north loup, north platte, oak, oakdale, obert, oconto, octavia, odell, ogallala, ohiowa, omaha-ralston-bennington-boystown, o'neill, ong, orchard, ord, orleans, osceola, oshkosh, osmond, otoe, overton, oxford, page, palisade, palmer, palmyra, panama, pawnee city, paxton, pender, peru, petersburg, phillips, pickrell, pierce, pilger, plainview, platte center, plattsmouth, pleasant dale, pleasanton, plymouth, polk, ponca, potter, prague, preston, primrose, prosser, ragan, randolph, ravenna, raymond, red cloud, republican city, reynolds, richland, rising city, riverdale, riverton, roca, rockville, rogers, rosalie, roseland, royal, rulo, rushville, ruskin, saint edward, saint helena, saint paul, salem, santee, sargent, saronville, schuyler, scotia, scottsbluff-gering-terrytown, scribner, seneca, seward, shelby, shelton, shickley, sholes, shubert, sidney, silver creek, smithfield, snyder, south bend, south sioux city, spalding, spencer, sprague, springfield, springview, stamford, stanton, staplehurst, stapleton, steele city, steinauer, stella, sterling, stockham, stockville, strang, stratton, stromsburg, stuart, sumner, superior, surprise, sutherland, sutton, swanton, syracuse, table rock, talmage, tamora, tarnov, taylor, tecumseh, tekamah, thayer, thedford, thurston, tilden tobias, trenton, trumbull, uehling, ulysses, unadilla, union, upland, utica, valentine, valley, valparaiso. ALL CITIES IN NEVADA INCLUDING: boulder city, carson city, central sierra, crystal bay, elko, fallon, fernley, henderson, incline village, lake tahoe, las vegas, laughlin, mesquite, north las vegas, pahrump, reno, reno-sparks, sparks, virgina city, wells, wendover, winnemucca, yerinton. ALL CITIES IN OREGON INCLUDING: adair village, adams, adrian, albany, amity, antelope, arlington, ashland, astoria, athena, aumsville, aurora, baker city, bandon, banks, barlow, bay city, beaverton, bend, boardman, bonanza, brookings, brownsville, burns, butte falls, canby, canyon city, cannon beach, canyonville, carlton, cascade locks, cave junction, central point, chiloquin, clatskanie, coburg, columbia city, condon, coos bay, coquille, cornelius, corvallis, cottage grove, cove, creswell, culver, dallas, the dalles, dayton, dayville, depoe bay, detriot, donald, drain, dufur, dundee, dunes city, durham, eagle point, echo, elgin, elkton, enterprise, estacada, eugene, fairview, falls city, florence, forest grove, fossil, garibaldi, gaston, gates, gearhart, gervais, gladstone, glendale, gold beach, gold hill, granite, grants pass, grass valley, greenhorn, gresham, haines, halfway, halsey, happy valley, harrisburg, helix, heppner, hermiston, hillsboro, hines, hood river, hubbard, huntington, idanha, imbler, independence, ione, irrigon, island city, jacksonville, jefferson, johnson city, john day, jordan valley, joseph, junction city, keizer, king city, klamath falls, lafayette, la grande, lake oswego, lakeside, lakeview, lebanon, lexington, lincoln city, lonrock, long creek, lostine, lowell, lyons, madras, malin, manzanita, maupin, maywood park, mcminnville, medford, merrill, metolius, millersburg, mill city, milton-freewater, milwaukie, mitchell,molalla, monmouth, monroe, monument, moro, mosier, mt. angle, mt. vernon, myrtle creek, myrtle point, nehalem, newberg, newport, north bend, north plains, north powder, nyssa, oakland, oakridge, ontario, oregon city, paisley, pandleton, philomath, phoenix, pilot rock, portland, prot orford, powers, prairie city, prescott, prineville, rainier, redmond, reedsport, richland, riddle, rivergrowve, rockaway beach, rogue river, roseburg, rufus, salem, sandy, scapposose, scio, scotts mills, seaside, seneca, shady cove, shaniko, sheridan, sherwood, siletz, silverton, sisters, sodaville, spray, springfield, stanfield, stayton, st. helens, st. paul, sublimity, summerville, sumpter, sutherlin, sweet home, talent, tangent, the dalles, tigard, tillamook, toledo, troutdale, tualatin, turner, ukiah, umatilla, union, unity, vale, veneta, vernonia, waldport, wallowa, warrenton, wasco, waterloo, weston, west linn, westfir, wheeler, willamina, wilsonville, winston, woodvillage, woodburn, yachats, yamhill, yoncalla. ALL CITIES IN OKLAHOMA INCLUDING: ada, altus, alva, anadarko, ardmore, bartlesville, bixby, blackwell, boise city, broken arrow, broken bow, chandler, cherokee, cheyenne, claremore, cleveland, clinton, collinsville, cushing, duncan, durant, edmond, el reno, elk city, enid, erick, eufaula, grove, guthrie, guymon, haskell, henryetta, hobart, idabel, jenks, kingfisher, laverne, lawton, lindsay, locust grove, madill, mangum, marlow, mcalester, medicine park, miami, midwest city, moore, mountain view, muskogee, mustang, newkirk, norman, oklahoma city, okmulgee, oologah, pauls valley, pawhuska, pawnee, piedmont, ponca city, poteau, pryor, salina, sallisaw, sand springs, sapulpa, sayre, seiling, shawnee, skiatook, stillwater, tahlequah, talihina, tulsa, vinita, walters, watonga, waynoka, weatherford, wewoka, woodward, yukon. ALL CITIES IN PENNSYLVANIA INCLUDING: abington township, allegheny township, allentown, altoona, arnold, aston township, avondale, baldwin, bally, bath, bedminster, bellefonte, bellevue, bethel township, bethlehem, bethlehem township, birchrunville, blacklick township, bloomsburt, blossburg, bradford, brentwood borough, bridgeville, brighton township, bristol township, brookhaven, brookville, caernarvon township, camp hill, carbondale, carlisle, carroll valley, carrolltown, castle shannon, chalfont, chambersburg, champion, charleroi, charlestown township, chester, chestnuthill township, clarion, clarks summit borough, college township, collegeville, concord township, conemaugh township, connellsville, conshohocken, corry, courtdale, covington township, cranberry township, cumru township, danville, downingtown, doylestown township, dublin, dubois, east brandywine township, east caln township, east goshen township, east rock hill, easton, easttown township, eddystone, edgewood, edinboro, elizabethtwon, elverson, emlenton, ephrata, erie, exeter township, fairview township, falls township, ferguson township, franklin, franklin township, franklintown, gettysburg, girard, gladwyne, green township, greentree, grove city, hampden township, hanover, harborcreek township, harris township, harrisburg, hatboro, hatfield township, hazleton, hermitage, hershey, hilltown township, hollidaysburg, homer city, horsham township, huntingdon, irwin, ivyland, jefferson hills, jenkintown, johnstown, jones township, jonestown, kane, kennett square, king of prussia, laceyville, lackawaxen township, lake city, lancaster, lancaster township, landenberg, lansdale, ligonier, lititz, lock haven, london grove township, lower allen township, lower burrell, lower makefield township, lower merion township, lower paxton township, lower pottsgrove township, malvern, manheim, manor township, mansfield, marietta, marple township, meadville, media, mercer, mercersburg, middlesex township, milton, monroe township, monroeville, moon township, mount joy, mt. lebanon, mount pleasant, mountaintop, munhall, murrysville, nanty glo, narberth, nazareth, new albany, new britain township, new castle, new hanover township, new kensington, new london township, newtown township, newville, norristown, north east, northampton township, o'hara township, oil city, palmerton, palmyra, parkesburg, patterson township, patton township, pen argyl, penn township, pennsbury, township, perkasie, peters township, philadelphia, phoenixville, pine township, pittsburgh, pittston, pleasant hills, plum, plymouth township, pottsville, punxsutawney, radnor township, rapho township, reading, reynoldsville, rice township, ridgeway, roaring spring, ross township, st. marys, schuylkill township, schwenksville, scottdale, scranton, sellersville, seven fields, sharpsville, shippensburg, shrewsbury township, silverdale, skippack township, slipperty rock, somerset, south coventry township, south middleton township, springettsbury township, springfield township, state college, stellton, stewartstown, stroud township, stroudsburg, swarthmore, thornbury township, titusville, tobyhanna township, towamencin township, tredyffrin township, tunkhannock township, upper dublin township, upper macungie township,upper makefield township, upper merion township, upper pottsgrove township, upper st. clair township, upper southampton township, uwchlan township, valley forge, wallace township, warwick township, wayne, waynesboro, wellsboro, wernersville, west bradford township, west brandywine township, west chester, west gosher township, west hanover township, west mifflin, west rockhill, west vincent township, west whiteland township, westtown township, white haven, white oak, whitemarsh township, wilcox, wilkes-barre, wilkinsburg, williamsport, willistown township, wilson, wormleysburg, york, youngwood, zelienople. ALL CITIES IN SOUTH DAKOTA INCLUDING: aberdeen, alcester, alexandria, allen, arlington, armour, bellefourche, beresford, bison, black hawk, bonesteel, box, brandon, britton, brookings, burbank, buffalo, bullhead, burke, chamberlain, clark, clear lake, cluster, colome, crow lake, dakota dunes, deadwood, dell rapids, desmet, dupree, eagle butte, edgemont, elder, elk point, elkton, ellsworth air force base, estelline, eureka, faith, faulkton, flandreau, ft. pierre, ft. thompson, gettysburg, glenham, gregory, groton, hamill, harrisburt, hartford, hayti, hermosa, herreid, highmore, hill city, hisega, hot springs, howard, humboldt, huron, ipswich, irene, isabel, jefferson, johnson siding, kadoka, kennebec, keystone, kyle, lake andes, lake preston, lead, letcher, lemmon, leola, little eagle, lower brule, madison, martin, mcintosh, mclaughlin, meckling, midland, milbank, miller, mission, mitchell, mobridge, mound city, murdo, nemo, north sioux city, oelrichs, olivet, onida, parker, philip, piedmont, pierre, pine ridge, plankinton, pollock, rapid city, redfield, rosebud, salem, shelby, sioux falls, sisseton, spearfish, st.francis, st.onge, sturgis, tyndall, unioncenter, vermillion, volga, wakonda, wakpala, wall, wanblee, wasta, watertown, waubay, webster, wessington, wessington springs, white, white river, whitwood, witten, winner, wolsey, woonsocket, yankton. ALL CITIES IN TEXAS INCLUDING: abilene, addison, alvin, amarillo, arlington, athens, austin, baytown, beaumont, bedford, bellaire, benbrook, big bend, boerne hill country, bonham, borger, bremond, brownfield, brownsville, bryan, bryan college station, burkburnett, burleson, caldwell, calvert, cameron, canadian, canton, canyon, carrollton, cedar hill, cedar park, centerville, clear lake, cleburne, coleman, college station, colleyville, coppell, corpus christi, daingerfield, dallas, decatur, del rio, denton, duncanville, eldorado, el paso, ennis, farmers branch, flower mound, forney, fort worth, franklin, fredericksburg, freindswood, frisco, galveston, garland, gatesville, georgetown, graham, granbury, grand prairie, grapevine, greenville, hallettsville, halton, hamilton, harlingen, hewitt, hico, hill country, hillsboro, houston, hughes springs, humble area, huntsville, hurst, irving, jefferson, katy, keller, kerrville, kilgore, killeen, kingsville, kingwood, la grange, lampasas, laredo, leander, ledbetter, levelland, lewisville, live oak, llano, longview, lubbock, lufkin, mansfield, marble falls, marlin, marshall, mason, mcallen, mckinney, mesquite, midland, missouri city, mount pleasant, nacogdoches, nassau bay, new braunfels, north richmond hills, odessa, onalaska, padre island, pampa, paris, parker, pasadena, pearland, pecos, pittsburg, plainview, plano, plano town square, portland, possum kingdom lake, ravenna, richardson, richland hills, river oaks, robinson, rosenberg, round rock, round top, rowlett, sachse, salado, san angelo, san antonio, san benito, san marcos, seabrook, seguin, silsbee, smithville, somerville, sour lake, southlake, south padre island, spearman, sugar island, sweetwater, taylor, temple, texarkana, texas city, three rivers, toledo blend lake, tyler, vidor, waco, watauga, webster, weslaco, west university place, westchase district, westlake, wichita falls, wimberley, winnsboro, woodlands, woodway, wylie. ALL CITIES IN WASHINGTON INCLUDING: aberdeen, airway heights, almira, anacortes, auburn, bainbridge island, beaux arts, bellevue, bellingham, benton city, birch bay, blaine, bonney lake, bothell, bremerton, brewster, brinnon, burien, burlington, camano island, camas, carnation, centralia, chehalis, chelan, cheney, chewelah, chimacum, clallam bay, clarkston, clyde hill, colfax, colville, concrete, cosmopolis, coulee city, covington, coupeville, crescent bar, dayton, deer park, des moines, dungeness, duvall, east wenatchee, eastsound, edgewood, edmonds, ellensburg, enumclaw, ephrata, everett, fall city, federal way, ferndale, fife, forks, freeland, fremont, friday harbor, gig harbor, george, goldendale, grand coulee dam, grandview, greenbank, greenwood, haquiam, hunts point, irondale, issaquah, kalama, kelso, kenmore, kennewick, kent, kettle falls, kingston, kirkland, la conner, la crosse, lacey, lake chelan, lake forest park, lake stevens, lakewood, langley, leavenworth, lind, long beach, longview, lopez island, lynden, lynnwood, maple valley, marblemount, marysville, mccleary, medina, mercer island, methow, methowvalley, mill creek, monroe, montesano, morton, moses lake, mount vernon, mountlake terrace, mukilteo, naches, newcastle, nordland, normandy park, north bend, oak harbor, ocean park, ocean shores, odessa, okanogan, olympia, omak, orcas island, othello, pacific, packwood, pasco, pateros, phinney ridge, port angeles, port gamble, port hadlock, port ludlow, port orchard, port townsend, poulsbo, prosser, pullman, puyallup, quilcene, quincy, redmond, renton, republic, richland, rockport, sammamish, san juan islands, sea tac, seattle, sedro, sekiu, sequim, shelton,shoreline, silverdale, snohomish, snoqualmie, soap lake, south bend, spokane, stevenson, sultan, sumner, sunland estates, tacoma, tenino, roledo, tonasket, topenish, tukwila, tumwater, twisp, university place, vancouver, vashon island, walla walla, warden, wenatchee, west plains, west richland, west seattle, westport, whidbey island, white salmon, wilbur, wilkeson, winchester, winthrop, woodinville, woodland, woolley, yakima, yelm, zillah. ALL CITIES IN WYOMING INCLUDING: aladdin, basin, beulah, big piney, buffalo, casper, cheyenne, cody, dubois, evanston, gillette, hulett, jackson, jackson hole, kemmerer, lander, laramie, lusk, medicine bow, new castle, northeast wyoming, pine bluffs, pinedale, powell, rawlins, riverton, rock springs, saratoga, sheridan, star valley, story, sundance, thermopolis, torrington, upton, wind river, worland, worland-ten step, yellowstone.
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