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	<title>MortgageLens</title>
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		<title>MortgageLens</title>
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			<item>
		<title>Rates For November 25, 2009</title>
		<link>http://mortgagelens.wordpress.com/2009/11/25/rates-for-september-22-2009/</link>
		<comments>http://mortgagelens.wordpress.com/2009/11/25/rates-for-september-22-2009/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 14:46:47 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Current Par Rates]]></category>
		<category><![CDATA[adjustable mortgage]]></category>
		<category><![CDATA[adjustable rate]]></category>
		<category><![CDATA[Adjustable Rate Mortgages]]></category>
		<category><![CDATA[ARM mortgage]]></category>
		<category><![CDATA[credit rate]]></category>
		<category><![CDATA[current rates]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[house refinance]]></category>
		<category><![CDATA[MA mortgage]]></category>
		<category><![CDATA[Massachusetts Mortgage Rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage Boston]]></category>
		<category><![CDATA[mortgage in MA]]></category>
		<category><![CDATA[mortgage loan refinance]]></category>
		<category><![CDATA[mortgage rate]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[prime rate]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate refinance]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance credit]]></category>
		<category><![CDATA[refinance home]]></category>
		<category><![CDATA[refinance home loan]]></category>
		<category><![CDATA[refinance home mortgage]]></category>
		<category><![CDATA[refinance homes]]></category>
		<category><![CDATA[refinance loan]]></category>
		<category><![CDATA[refinance mortgage calculator]]></category>
		<category><![CDATA[refinance rate]]></category>
		<category><![CDATA[refinance rates]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1221</guid>
		<description><![CDATA[Conforming Rates at Par




30 years Fixed
4.375% 
 


20 years Fixed
4.375% 


15 years Fixed
4.125% 


10 years Fixed
4.125% 




7/1 ARM
3.625% 
 


7/1 ARM I/O
3.75% 


5/1 ARM 
3.5%


5/1 ARM I/O
3.5%




Prime Rate
3.25%
 


5/1 ARM Jumbo
3.625%


15 years Jumbo
4.25%


30 years Jumbo
4.625%




To calculate your mortgage payment click here



 


RATES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.
RATES ARE SUBJECT TO TRANSACTION TYPE AND
MORTGAGE PROGRAM.
A PAR RATE &#8211; [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1221&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2009/11/25/rates-for-september-22-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
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	</item>
		<item>
		<title>The $8,000 first-time homebuyer credit is close to extension</title>
		<link>http://mortgagelens.wordpress.com/2009/11/03/the-8000-first-time-homebuyer-credit-is-close-to-extension/</link>
		<comments>http://mortgagelens.wordpress.com/2009/11/03/the-8000-first-time-homebuyer-credit-is-close-to-extension/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 00:57:09 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[$8]]></category>
		<category><![CDATA[000 tax credit]]></category>
		<category><![CDATA[additional tax cuts]]></category>
		<category><![CDATA[credit for home purchase]]></category>
		<category><![CDATA[economic stimulus bill]]></category>
		<category><![CDATA[First-Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[Home Buyer Tax Credit | first-time home buyers]]></category>
		<category><![CDATA[HR3221]]></category>
		<category><![CDATA[recovery plan]]></category>
		<category><![CDATA[relief for homeowners]]></category>
		<category><![CDATA[tax break]]></category>
		<category><![CDATA[tax break for the purchase]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[tax credit existing residences]]></category>
		<category><![CDATA[Tax Credit Information]]></category>
		<category><![CDATA[the homebuyers tax break]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1250</guid>
		<description><![CDATA[- Contracts to buy a home must be signed by April 30, 2010, and the deals must close by June 30 in order for a buyer to qualify for the credit.
- The credit would only apply to homes sold for $800,000 or less.
- Homebuyers must have adjusted gross income of less than $125,000 ($225,000 for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1250&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2009/11/03/the-8000-first-time-homebuyer-credit-is-close-to-extension/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>Home Appraisals</title>
		<link>http://mortgagelens.wordpress.com/2009/09/23/home-appraisals/</link>
		<comments>http://mortgagelens.wordpress.com/2009/09/23/home-appraisals/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 00:35:53 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[house value]]></category>
		<category><![CDATA[the value of homes]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1223</guid>
		<description><![CDATA[
Reappraising Home Appraisers
James R. Haggerty
Thursday, August 20, 2009 

After being blamed for helping to inflate home values during the housing boom, the appraisal business is again coming under fire.
Squeezed by a drop in fees, some appraisers are compensating by driving long distances to handle more assignments. Their wanderings are raising questions about whether they know [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1223&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2009/09/23/home-appraisals/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>Home Equity Line of Credit (HELOC)</title>
		<link>http://mortgagelens.wordpress.com/2009/07/17/home-equity-line-of-credit-heloc/</link>
		<comments>http://mortgagelens.wordpress.com/2009/07/17/home-equity-line-of-credit-heloc/#comments</comments>
		<pubDate>Fri, 17 Jul 2009 06:29:04 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Home Equity Line (HELOC)]]></category>
		<category><![CDATA[2nd fixed mortgage]]></category>
		<category><![CDATA[bank requirements]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[high HELOC]]></category>
		<category><![CDATA[High loan to value]]></category>
		<category><![CDATA[high LTV]]></category>
		<category><![CDATA[high LTV HELOC]]></category>
		<category><![CDATA[high LTV loan]]></category>
		<category><![CDATA[high ltv loans lend]]></category>
		<category><![CDATA[High LTV mortgage]]></category>
		<category><![CDATA[high LTV programs]]></category>
		<category><![CDATA[loan over 80% LTV]]></category>
		<category><![CDATA[Maximum LTV]]></category>
		<category><![CDATA[mortgage requirements]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=849</guid>
		<description><![CDATA[A HELOC is a mortgage loan, which is usually in subordinate position (2nd position) that allows borrowers to draw multiple advances of the loan proceeds at their own discretion. It is also called an open end mortgage, which means you can take money then return it then take it again as many times as you [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=849&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2009/07/17/home-equity-line-of-credit-heloc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>New Regulations &#8212; Refinance up to 125% Loan-to-Value</title>
		<link>http://mortgagelens.wordpress.com/2009/07/07/new-regulations-refinance-up-to-125-loan-to-value/</link>
		<comments>http://mortgagelens.wordpress.com/2009/07/07/new-regulations-refinance-up-to-125-loan-to-value/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 22:55:05 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[125% Loan to Value]]></category>
		<category><![CDATA[125% LTV]]></category>
		<category><![CDATA[an alternative to foreclosure]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[homeowners hardship]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification programs]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[maximum loan to value]]></category>
		<category><![CDATA[Maximum LTV]]></category>
		<category><![CDATA[mortgage financing]]></category>
		<category><![CDATA[mortgage guidelines]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgages at lower rates]]></category>
		<category><![CDATA[refinance and modification plan]]></category>
		<category><![CDATA[refinance mortgages]]></category>
		<category><![CDATA[to modify mortgages]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1164</guid>
		<description><![CDATA[Refinance Rules Expanding to 125% Loan-to-Value
By: Diana Olick, CNBC Real Estate Reporter / 01 Jul 2009
 &#8221;Homeowners refinancing their mortgages through loans backed by government agencies will be able to borrow up to 125 percent of their homes&#8217; value under new regulations enacted Wednesday.
The rule changes, part of the government&#8217;s attempts to restore housing affordability and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1164&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>Refinance your 1st mortgage up to 105% Loan-to-Value</title>
		<link>http://mortgagelens.wordpress.com/2009/07/07/refinance-your-1st-mortgage-up-to-105-loan-to-value/</link>
		<comments>http://mortgagelens.wordpress.com/2009/07/07/refinance-your-1st-mortgage-up-to-105-loan-to-value/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 22:37:21 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[New Rules and Guidelines]]></category>
		<category><![CDATA[105% LTV]]></category>
		<category><![CDATA[105% refinance]]></category>
		<category><![CDATA[2- to 4-unit owner-occupied properties]]></category>
		<category><![CDATA[2-4 units refinance]]></category>
		<category><![CDATA[bank guidelines]]></category>
		<category><![CDATA[bank requirements]]></category>
		<category><![CDATA[credit score/LTV]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fannie mae cltv max]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Freddie Mac LTV maximum]]></category>
		<category><![CDATA[High loan to value]]></category>
		<category><![CDATA[high LTV loan]]></category>
		<category><![CDATA[high ltv loans lend]]></category>
		<category><![CDATA[High LTV mortgage]]></category>
		<category><![CDATA[high LTV programs]]></category>
		<category><![CDATA[investment properties]]></category>
		<category><![CDATA[investment property refinance]]></category>
		<category><![CDATA[LTV greater than 80%]]></category>
		<category><![CDATA[maximum CLTV]]></category>
		<category><![CDATA[maximum loan to value]]></category>
		<category><![CDATA[Maximum LTV]]></category>
		<category><![CDATA[mortgage guidelines]]></category>
		<category><![CDATA[mortgage requirements]]></category>
		<category><![CDATA[Primary Residence]]></category>
		<category><![CDATA[rate and term refi]]></category>
		<category><![CDATA[rate and term refinance]]></category>
		<category><![CDATA[second home refinance]]></category>
		<category><![CDATA[subordinate financing]]></category>
		<category><![CDATA[Two-unit property]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1169</guid>
		<description><![CDATA[Home Affordable Refinance Program is a great option for borrowers looking for more stable payments in declining markets.
Who can be eligible for a program:
- Only Freddie Mac or Fannie Mae loans.
- Maximum Loan-to-Value (LTV) is 105%.
- There are CLTV limits (Freddie Mac) and 110% CLTV (Fannie Mae).
- Rate/Term Refinance only.
- 40, 30, 20, 15 year Fixed [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1169&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
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	</item>
		<item>
		<title>Short Sale</title>
		<link>http://mortgagelens.wordpress.com/2009/03/12/short-sale/</link>
		<comments>http://mortgagelens.wordpress.com/2009/03/12/short-sale/#comments</comments>
		<pubDate>Thu, 12 Mar 2009 05:43:24 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[docs for a short sale]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home short sale]]></category>
		<category><![CDATA[home short sale steps]]></category>
		<category><![CDATA[house purchase]]></category>
		<category><![CDATA[house short sale purchase]]></category>
		<category><![CDATA[how to buy a short sale]]></category>
		<category><![CDATA[short sale advice]]></category>
		<category><![CDATA[short sale approval]]></category>
		<category><![CDATA[short sale buyer]]></category>
		<category><![CDATA[short sale in real estate]]></category>
		<category><![CDATA[short sale package]]></category>
		<category><![CDATA[short sale purchase]]></category>
		<category><![CDATA[short sale steps]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1067</guid>
		<description><![CDATA[Short Sale -  where the home owner sells the property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes in full satisfaction of the debt. The lender would have the right to approve or disapprove of a proposed sale. Many banks are willing to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1067&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>Making Home Affordable Program &#8211; eligibility details for Refinance and Modification</title>
		<link>http://mortgagelens.wordpress.com/2009/03/05/making-home-affordable-program-eligibility-details-for-refinance-and-modification/</link>
		<comments>http://mortgagelens.wordpress.com/2009/03/05/making-home-affordable-program-eligibility-details-for-refinance-and-modification/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 02:14:10 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[a foreclosure process]]></category>
		<category><![CDATA[an alternative to foreclosure]]></category>
		<category><![CDATA[complete eligibility details]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[guidelines for modification]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[homeowners hardship]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification programs]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[mortgage financing]]></category>
		<category><![CDATA[mortgage guidelines]]></category>
		<category><![CDATA[mortgage modification]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgages at lower rates]]></category>
		<category><![CDATA[new program to modify mortgages]]></category>
		<category><![CDATA[qualify for modification]]></category>
		<category><![CDATA[refinance and modification plan]]></category>
		<category><![CDATA[refinance mortgages]]></category>
		<category><![CDATA[sub-prime lenders]]></category>
		<category><![CDATA[sub-prime loans]]></category>
		<category><![CDATA[to modify mortgages]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1042</guid>
		<description><![CDATA[Refinance:
- Your loan must be owned or guaranteed by Fannie Mae and Freddie Mac.
- You must be current on your mortgages, have an acceptable mortgage payment history. You haven’t been more than 30-days late on your mortgage payment in the last 12 months.
- You have been unable to refinance because your home has decreased in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1042&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2009/03/05/making-home-affordable-program-eligibility-details-for-refinance-and-modification/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">Consumerlens</media:title>
		</media:content>
	</item>
		<item>
		<title>House-Selling Tips</title>
		<link>http://mortgagelens.wordpress.com/2009/03/02/house-selling-tips/</link>
		<comments>http://mortgagelens.wordpress.com/2009/03/02/house-selling-tips/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 01:52:47 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[House-Selling Tips]]></category>
		<category><![CDATA[prepair your house to sell]]></category>
		<category><![CDATA[sell a house]]></category>
		<category><![CDATA[sell a house fast]]></category>
		<category><![CDATA[selling tips]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=1019</guid>
		<description><![CDATA[
 1) Find the value of your home at current market. There is a free website www.zillow.com, but they have not entirely correct value. You can check the home value on Realty Trac. You can order an appraisal of a house on US Search Property Reports for a small fee. Or you can ask the appraiser to make the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=1019&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<item>
		<title>First-Time Home Buyer Tax Credit &#8211; 2009</title>
		<link>http://mortgagelens.wordpress.com/2009/02/24/first-time-home-buyer-tax-credit-2009/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/24/first-time-home-buyer-tax-credit-2009/#comments</comments>
		<pubDate>Wed, 25 Feb 2009 02:15:00 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[$15000 tax credit]]></category>
		<category><![CDATA[additional tax cuts]]></category>
		<category><![CDATA[credit for home purchase]]></category>
		<category><![CDATA[economic stimulus bill]]></category>
		<category><![CDATA[First-Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[Home Buyer Tax Credit | first-time home buyers]]></category>
		<category><![CDATA[HR3221]]></category>
		<category><![CDATA[recovery plan]]></category>
		<category><![CDATA[relief for homeowners]]></category>
		<category><![CDATA[tax break]]></category>
		<category><![CDATA[tax break for the purchase]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[tax credit existing residences]]></category>
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		<category><![CDATA[the homebuyers tax break]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=996</guid>
		<description><![CDATA[
The tax credit is available for first-time home buyers only. To be a First Time Home Buyer, you cannot have owned a home in the last three years.
Tax credit =10 percent of the home’s purchase price
The maximum credit amount is $8,000.
The credit is available for homes purchased on or after January 1, 2009 and before
December [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=996&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Major points of Obama&#8217;s new plan to fight the mortgage crisis.</title>
		<link>http://mortgagelens.wordpress.com/2009/02/18/major-points-of-obamas-new-plan-to-fight-the-mortgage-crisis/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/18/major-points-of-obamas-new-plan-to-fight-the-mortgage-crisis/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 00:46:02 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[4-4.5% refinance rates]]></category>
		<category><![CDATA[a foreclosure process]]></category>
		<category><![CDATA[an alternative to foreclosure]]></category>
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		<category><![CDATA[Debt-to-Income]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
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		<category><![CDATA[Fannie Mae]]></category>
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		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[guidelines for the entire mortgage industry]]></category>
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		<category><![CDATA[new program to modify mortgages]]></category>
		<category><![CDATA[Obama's speech on home mortgage crisis]]></category>
		<category><![CDATA[qualify for modification]]></category>
		<category><![CDATA[refinance mortgages]]></category>
		<category><![CDATA[sub-prime lenders]]></category>
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		<category><![CDATA[to modify mortgages]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=965</guid>
		<description><![CDATA[President Barack Obama on Wednesday unveiled his plan to fight the home mortgage crisis and pledged up to $275 billion to help 9 million families suffering from falling home prices and unaffordable monthly payments.
&#8220;The plan I&#8217;m announcing focuses on rescuing families who have played by the rules and acted responsibly: by refinancing loans for millions of families in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=965&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>New Changes by Fannie Mae and Freddie Mac</title>
		<link>http://mortgagelens.wordpress.com/2009/02/18/new-changes-by-fannie-mae-and-freddie-mac/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/18/new-changes-by-fannie-mae-and-freddie-mac/#comments</comments>
		<pubDate>Wed, 18 Feb 2009 07:35:37 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[New Rules and Guidelines]]></category>
		<category><![CDATA[2- to 4-unit owner-occupied properties]]></category>
		<category><![CDATA[bank guidelines]]></category>
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		<category><![CDATA[Cash Out for 1- to 2-unit owner-occupied properties]]></category>
		<category><![CDATA[Cash Out for second homes]]></category>
		<category><![CDATA[cash out refinance]]></category>
		<category><![CDATA[Cash Out Requirements]]></category>
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		<category><![CDATA[rate lock extension]]></category>
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		<category><![CDATA[Two-unit property]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=948</guid>
		<description><![CDATA[Mortgage rates are low, but expect to pay more fees for a mortgage today.
Fannie Mae and Freddie Mac are adjusting their pricing grids and fees will be increasing.  Mortgage lenders which are based on  Fannie Mae and Freddie Mac platform must also increase their price adjustments.   As a result your actual rate or closing costs could be higher.  For example:   Rates [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=948&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>US May Start Subsidizing Some Mortgage Payments</title>
		<link>http://mortgagelens.wordpress.com/2009/02/13/us-may-start-subsidizing-some-mortgage-payments/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/13/us-may-start-subsidizing-some-mortgage-payments/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 07:16:58 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[a foreclosure process]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
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		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification programs]]></category>
		<category><![CDATA[loan repayment]]></category>
		<category><![CDATA[longer repayment schedules]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[modification eligibility test]]></category>
		<category><![CDATA[mortgage buy-down]]></category>
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		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[new program to modify mortgages]]></category>
		<category><![CDATA[qualify for modification]]></category>
		<category><![CDATA[reducing the balance of the loan]]></category>
		<category><![CDATA[reductions in loan balances]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=937</guid>
		<description><![CDATA[&#8220;The Obama administration is said to be near a plan to lower costs for homeowners with problem loans, reports CNBC&#8217;s Diana Olick.&#8221;
Preventing further home collapses the US government is planning a new program to subsidize mortgages for troubled homeowners. They are talking about standardized loan modification eligibility test even before a homeowner becomes delinquent, before [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=937&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>$550 Billion Disappeared in &#8220;Electronic Run On the Banks&#8221;</title>
		<link>http://mortgagelens.wordpress.com/2009/02/11/550-billion-disappeared-in-electronic-run-on-the-banks/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/11/550-billion-disappeared-in-electronic-run-on-the-banks/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 06:31:38 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
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		<category><![CDATA[the end of our political system]]></category>
		<category><![CDATA[the great depression]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=918</guid>
		<description><![CDATA[Rep. Paul Kanjorski of Pennsylvania, The Capital Markets Subcommittee Chair, explains C-Span how the world economy almost collapsed in a matter of hours.  &#8220;It would have been the end of our political system and our economic systems as we know it.&#8221;
On 09/15/08 the Federal Reserve told Congress members about a &#8220;tremendous draw-down of money market accounts in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=918&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>3</slash:comments>
	
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		<title>The New Rules of Mortgage Lending</title>
		<link>http://mortgagelens.wordpress.com/2009/02/08/the-new-rules-of-mortgage-lending/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/08/the-new-rules-of-mortgage-lending/#comments</comments>
		<pubDate>Mon, 09 Feb 2009 02:04:07 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage Industry Today]]></category>
		<category><![CDATA[a traditional mortgage]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[Locking in the Mortgage Rate]]></category>
		<category><![CDATA[low closing costs]]></category>
		<category><![CDATA[Minimum Down Payment]]></category>
		<category><![CDATA[mortgage changes]]></category>
		<category><![CDATA[mortgage points]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage's interest rate]]></category>
		<category><![CDATA[no closing costs]]></category>
		<category><![CDATA[no points loan]]></category>
		<category><![CDATA[no points mortgage]]></category>
		<category><![CDATA[no points no closing cost]]></category>
		<category><![CDATA[rate lock]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[up-front costs]]></category>
		<category><![CDATA[Up-Front Points]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=895</guid>
		<description><![CDATA[I found very helpful article on  Yahoo! Finance  about mortgage changes: 

Paying Up-Front Points
Making More Than the Minimum Down Payment
Locking in the Mortgage Rate

 by Les Christie
Friday, February 6, 2009
Shopping for a home loan? Things have changed &#8212; here&#8217;s what you need to consider.
If you&#8217;re shopping for a mortgage these days, it&#8217;s a whole new world out there.
&#8220;There have been [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=895&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Senate approves $15,000 tax credit for homebuyers</title>
		<link>http://mortgagelens.wordpress.com/2009/02/06/senate-approves-15000-tax-credit-for-homebuyers/</link>
		<comments>http://mortgagelens.wordpress.com/2009/02/06/senate-approves-15000-tax-credit-for-homebuyers/#comments</comments>
		<pubDate>Sat, 07 Feb 2009 00:53:16 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[$15000 tax credit]]></category>
		<category><![CDATA[additional tax cuts]]></category>
		<category><![CDATA[credit for home purchase]]></category>
		<category><![CDATA[economic stimulus bill]]></category>
		<category><![CDATA[First-Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[first-time home buyers]]></category>
		<category><![CDATA[HR3221]]></category>
		<category><![CDATA[recovery plan]]></category>
		<category><![CDATA[relief for homeowners]]></category>
		<category><![CDATA[tax break]]></category>
		<category><![CDATA[tax break for the purchase]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[tax credit existing residences]]></category>
		<category><![CDATA[Tax Credit Information]]></category>
		<category><![CDATA[the homebuyers tax break]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=889</guid>
		<description><![CDATA[Yahoo News
By DAVID ESPO, Ap Special Correspondent – Wed Feb 4, 6:48 pm ET
WASHINGTON – The Senate voted Wednesday night to give a tax break of up to $15,000 to homebuyers in hopes of revitalizing the housing industry, a victory for Republicans eager to leave their mark on a mammoth economic stimulus bill at the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=889&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Say goodbye to the April 15 tax deadline.</title>
		<link>http://mortgagelens.wordpress.com/2009/01/29/say-goodbye-to-the-april-15-tax-deadline/</link>
		<comments>http://mortgagelens.wordpress.com/2009/01/29/say-goodbye-to-the-april-15-tax-deadline/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 03:26:23 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Income Tax Extensions]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=829</guid>
		<description><![CDATA[So many individual and small business tax filers struggle to meet the income tax deadline. You have the option of filing a tax extension today, and your tax return when you&#8217;re ready.  FileLater is an authorized, IRS e-file provider, and offers easy, online IRS income tax extensions for those who need more time to finish their income taxes. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=829&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>The Biggest Housing Decline Since 1974</title>
		<link>http://mortgagelens.wordpress.com/2009/01/23/the-biggest-housing-decline-since-1974/</link>
		<comments>http://mortgagelens.wordpress.com/2009/01/23/the-biggest-housing-decline-since-1974/#comments</comments>
		<pubDate>Fri, 23 Jan 2009 06:33:07 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[current rates]]></category>
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		<category><![CDATA[financing]]></category>
		<category><![CDATA[global financial crisis]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[house refinance]]></category>
		<category><![CDATA[house value]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[housing crisis]]></category>
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		<category><![CDATA[the great depression]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=808</guid>
		<description><![CDATA[by Yahoo Finance
Thursday January 22, 2009, 2:21 pm EST
Article  &#8220;Jobless claims surge, housing starts tumble&#8221;
&#8220;&#8230;For the whole of 2008, housing starts plunged 33.3 percent, the biggest decline since 1974, while permits plummeted 36.2 percent, also the largest fall since 1974.
Analysts reckon that the economy might not emerge from its current slump unless the housing market, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=808&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<title>First-Time Home Buyer Tax Credit &#8211; 2008</title>
		<link>http://mortgagelens.wordpress.com/2009/01/14/first-time-home-buyer-tax-credit-at-a-glance/</link>
		<comments>http://mortgagelens.wordpress.com/2009/01/14/first-time-home-buyer-tax-credit-at-a-glance/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 23:48:59 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[credit for home purchase]]></category>
		<category><![CDATA[First-Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[first-time home buyers]]></category>
		<category><![CDATA[HR3221]]></category>
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		<category><![CDATA[Tax Credit Information]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=758</guid>
		<description><![CDATA[HR3221 &#8211; Important Tax Credit Information 

The tax credit is available for first-time home buyers only. To be a First Time Home Buyer, you cannot have owned a home in the last three years.
The maximum credit amount is $7,500.
The credit is available for homes purchased on or after April 9, 2008 and before
July 1, 2009.
Single [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=758&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<title>News Release by Fannie Mae</title>
		<link>http://mortgagelens.wordpress.com/2009/01/05/news-release-by-fannie-mae/</link>
		<comments>http://mortgagelens.wordpress.com/2009/01/05/news-release-by-fannie-mae/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 19:38:38 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
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		<category><![CDATA[reducing the balance of the loan]]></category>
		<category><![CDATA[reductions in loan balances]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=731</guid>
		<description><![CDATA[News Release by Fannie Mae 
December 15, 2008
Statement by Brian Faith, Managing Director
Communications on National Tenant Policy
 
&#8220;Fannie Mae is finalizing a new policy that will allow tenants in Fannie Mae-owned foreclosed properties to stay in their homes if they can make their rental payments. For tenants who would prefer not to enter into a lease, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=731&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>Fed Cuts Rate to a Range of Zero to 0.25 Percent</title>
		<link>http://mortgagelens.wordpress.com/2008/12/16/fed-cuts-rate-to-a-range-of-zero-to-025-percent/</link>
		<comments>http://mortgagelens.wordpress.com/2008/12/16/fed-cuts-rate-to-a-range-of-zero-to-025-percent/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 03:27:23 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=701</guid>
		<description><![CDATA[By Yahoo Finance
Fed reduces benchmark rate to as low as zero
Tuesday December 16, 6:41 pm ET



 



In strong step to fight worsening economy, Fed cuts key interest rate to zero for first time 
 
WASHINGTON (AP) &#8212; The Federal Reserve, urgently rewriting its playbook to fight a deepening recession, cut its benchmark interest rate to as low [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=701&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<title>Reduced Maximum Loan-to-Value (LTV / CLTV)</title>
		<link>http://mortgagelens.wordpress.com/2008/12/16/reduced-maximum-loan-to-value-ltv-cltv/</link>
		<comments>http://mortgagelens.wordpress.com/2008/12/16/reduced-maximum-loan-to-value-ltv-cltv/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 22:29:57 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[New Rules and Guidelines]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=672</guid>
		<description><![CDATA[
Freddie Mac and Fannie Mae have recently announced reduced maximum LTV / CLTV (Loan-to-Value) ratios for certain Standard Conforming loans:


Cash Out for 1- to 2-unit owner-occupied properties


Purchase and No Cash Out for 2- to 4-unit owner-occupied properties


Purchase, No Cash Out and Cash Out for second homes


Purchase, No Cash Out and Cash Out for 1- to 2-unit investment [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=672&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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		<title>Initial Documentation Required for a Mortgage</title>
		<link>http://mortgagelens.wordpress.com/2008/12/11/initial-documentation-required-for-a-mortgage/</link>
		<comments>http://mortgagelens.wordpress.com/2008/12/11/initial-documentation-required-for-a-mortgage/#comments</comments>
		<pubDate>Thu, 11 Dec 2008 20:30:35 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Docs Required for a Mortgage]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=618</guid>
		<description><![CDATA[When you apply for a mortgage, you should have the initial documentation readily available to your broker to analyze your situation, do math, understand your aims. A broker will run your scenario with different banks trying to find lenders that are willing to accept your application, especially on today’s market, choose the best lenders for you, and develop [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=618&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>What is the Difference Between Pre-Qualifying and Pre-Approval?</title>
		<link>http://mortgagelens.wordpress.com/2008/12/05/what-is-the-difference-between-pre-qualifying-and-pre-approval/</link>
		<comments>http://mortgagelens.wordpress.com/2008/12/05/what-is-the-difference-between-pre-qualifying-and-pre-approval/#comments</comments>
		<pubDate>Fri, 05 Dec 2008 22:43:10 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Pre-Qualifying vs. Pre-Approval]]></category>
		<category><![CDATA[commitment letter]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=597</guid>
		<description><![CDATA[A pre-qualification is normally issued by a loan officer, who determines the dollar value of a loan you can be approved for, based on review of your credit report and presented employment, income and assets documentation.
However, loan officers do not make the final approval, so a pre-qualification is not a commitment to lend. After the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=597&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<title>Why Refinance Today?</title>
		<link>http://mortgagelens.wordpress.com/2008/12/02/why-refinance-today/</link>
		<comments>http://mortgagelens.wordpress.com/2008/12/02/why-refinance-today/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 06:46:43 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Why Refinance Today?]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=569</guid>
		<description><![CDATA[The most common reason for refinancing today is to save money.  Saving money through refinancing can be achieved in several ways:
-By obtaining a lower interest rate to reduce mortgage monthly payment. Mortgage interest rates are low today, especially on fixed rate programs. Check the current rates. It means you have a chance to improve your financial situation [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=569&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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		<title>Closing Costs vs. No Closing Costs</title>
		<link>http://mortgagelens.wordpress.com/2008/11/25/closing-costs-vs-no-closing-costs/</link>
		<comments>http://mortgagelens.wordpress.com/2008/11/25/closing-costs-vs-no-closing-costs/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 02:19:27 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Closing Costs vs. No Closing Costs]]></category>
		<category><![CDATA[closing cost]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=539</guid>
		<description><![CDATA[Read Part 1 - What Fees Are Included In Closing Costs? Can You Avoid Them?
As we already discussed in the Part 1, closing costs can not be avoided, and customer always pays closing costs. There are no such programs as &#8220;No Closing Cost, No Points&#8221;. The correct name is the hidden closing costs. You should consider with your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=539&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>How a Low Score Can Increase Your Cost of Living</title>
		<link>http://mortgagelens.wordpress.com/2008/11/18/how-a-low-score-can-increase-your-cost-of-living/</link>
		<comments>http://mortgagelens.wordpress.com/2008/11/18/how-a-low-score-can-increase-your-cost-of-living/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 22:20:54 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[A Low Credit Score]]></category>
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		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=473</guid>
		<description><![CDATA[We all know a low credit score will make everything in the world of finance more expensive because of higher interest rates from lenders due to being considered a greater credit risk (i.e. higher interest rates on cars, homes and credit cards). While this may be considered common knowledge by some, it&#8217;s truly devastating effects [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=473&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2008/11/18/how-a-low-score-can-increase-your-cost-of-living/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Introducing Super Conforming and Changes to Standard Conforming Loans with an LTV &gt; 80%</title>
		<link>http://mortgagelens.wordpress.com/2008/11/18/introducing-super-conforming-and-changes-to-standard-conforming-loans-with-an-ltv-80/</link>
		<comments>http://mortgagelens.wordpress.com/2008/11/18/introducing-super-conforming-and-changes-to-standard-conforming-loans-with-an-ltv-80/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 01:22:45 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[New Rules and Guidelines]]></category>
		<category><![CDATA[1 day off MLS]]></category>
		<category><![CDATA[90% LTV]]></category>
		<category><![CDATA[bank requirements]]></category>
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		<category><![CDATA[conforming mortgage]]></category>
		<category><![CDATA[High loan to value]]></category>
		<category><![CDATA[high LTV]]></category>
		<category><![CDATA[high LTV loan]]></category>
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		<category><![CDATA[Housing and Economic Recovery Act]]></category>
		<category><![CDATA[jumbo 15 year]]></category>
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		<category><![CDATA[jumbo loan]]></category>
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		<category><![CDATA[jumbo mortgages]]></category>
		<category><![CDATA[LTV>80%]]></category>
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		<category><![CDATA[New Jumbo Loans]]></category>
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		<category><![CDATA[Standard conforming loans]]></category>
		<category><![CDATA[super conforming loan]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=451</guid>
		<description><![CDATA[I. Introduction of Super (Jumbo) Conforming
Banks are pleased to announce Phase I of the Super Conforming loan program utilizing the new 2009 loan limits established in accordance with the Housing and Economic Recovery Act. 
The new Super Conforming loan limit for 1-Unit properties in most areas is $625,500.
The Super Conforming products that are initially available are 30 Year [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=451&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2008/11/18/introducing-super-conforming-and-changes-to-standard-conforming-loans-with-an-ltv-80/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<title>What Fees Are Included In Closing Costs? Can You Avoid Them?</title>
		<link>http://mortgagelens.wordpress.com/2008/11/15/what-fees-are-included-in-closing-costs-can-you-avoid-them/</link>
		<comments>http://mortgagelens.wordpress.com/2008/11/15/what-fees-are-included-in-closing-costs-can-you-avoid-them/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 02:00:06 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[Closing Costs (Part 1)]]></category>
		<category><![CDATA[closing cost]]></category>
		<category><![CDATA[home refinance]]></category>
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		<category><![CDATA[low closing cost mortgage]]></category>
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		<category><![CDATA[no closing cost mortgage]]></category>
		<category><![CDATA[no closing cost programs]]></category>
		<category><![CDATA[no cost mortgage]]></category>
		<category><![CDATA[No fee Programs]]></category>
		<category><![CDATA[No point]]></category>
		<category><![CDATA[no points loan]]></category>
		<category><![CDATA[no points mortgage]]></category>
		<category><![CDATA[no points no closing cost]]></category>
		<category><![CDATA[real estate refinance]]></category>
		<category><![CDATA[refinance]]></category>
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		<category><![CDATA[refinance home]]></category>
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		<category><![CDATA[What is closing cost]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=429</guid>
		<description><![CDATA[All closing costs are spelled out in the brokers/lenders Good Faith Estimate (GFE). GFE gives an estimate of any fees associated with your loan. Most fees are standard but amounts will fluctuate depending on the loan program, the value of your home, or lender used. Fees you will see on a Good Faith Estimate are:
Bank [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=429&subd=mortgagelens&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mortgagelens.wordpress.com/2008/11/15/what-fees-are-included-in-closing-costs-can-you-avoid-them/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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		<title>Declining Real Estate Market – High/Low Risk States</title>
		<link>http://mortgagelens.wordpress.com/2008/11/12/declining-real-estate-market-%e2%80%93-highlow-risk-states/</link>
		<comments>http://mortgagelens.wordpress.com/2008/11/12/declining-real-estate-market-%e2%80%93-highlow-risk-states/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 01:31:44 +0000</pubDate>
		<dc:creator>Consumerlens</dc:creator>
				<category><![CDATA[High/Low Risk States]]></category>
		<category><![CDATA[2-4 family refinance]]></category>
		<category><![CDATA[2-4 unit properties]]></category>
		<category><![CDATA[cash out refinance]]></category>
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		<category><![CDATA[high loan-to-value (high ltv) loans lend]]></category>
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		<category><![CDATA[high risk investment]]></category>
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		<category><![CDATA[home equity line]]></category>
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		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[second mortgages]]></category>

		<guid isPermaLink="false">http://mortgagelens.wordpress.com/?p=410</guid>
		<description><![CDATA[Currently mortgage products and guidelines change almost daily with regards to the high risk Real Estate market. Guidelines became more strict and demanding. Due to declining property values or oversupply, some banks do not originate loans in the high risk States or Counties. Some banks might impose additional overlays or restrictions (such as, but not limited to: [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mortgagelens.wordpress.com&blog=5214732&post=410&subd=mortgagelens&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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