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	<title>Creditinfocenter Blog &#187; loan modification programs</title>
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		<title>An Easy Way to Determine Eligibility for the &#8220;Making Homes Affordable&#8221; Refinance Program</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/04/23/easy-way-determine-eligible-for-making-homes-affordable-refinance-program/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/04/23/easy-way-determine-eligible-for-making-homes-affordable-refinance-program/#comments</comments>
		<pubDate>Thu, 23 Apr 2009 13:26:43 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification programs]]></category>
		<category><![CDATA[loan servicing]]></category>
		<category><![CDATA[lower interest rate]]></category>
		<category><![CDATA[Making Homes Affordable Program]]></category>
		<category><![CDATA[mortgage refinancing]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=1092</guid>
		<description><![CDATA[Yeah, we know, another article on mortgage restructuring.  We are not trying to bore you with details on the government&#8217;s never-ending influx of programs to help homeowners, but any information that makes it &#8220;easier&#8221; to figure out if you qualify is worth passing along!  
The &#8220;Making Homes Affordable&#8221; program is not the same [...]]]></description>
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		<title>Debt-to-Income Ratios (DTIs) for Dummies</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/03/27/debt-to-income-ratios-for-dummies/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/03/27/debt-to-income-ratios-for-dummies/#comments</comments>
		<pubDate>Fri, 27 Mar 2009 15:26:33 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[debt ratios]]></category>
		<category><![CDATA[debt-to-income ratio]]></category>
		<category><![CDATA[DTI]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification programs]]></category>
		<category><![CDATA[reduce house payment]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=740</guid>
		<description><![CDATA[With all the recent government programs available to homeowner&#8217;s facing potential foreclosure, understanding debt-to-income ratio is more important than ever, as lenders will be utilizing this parameter to determine your eligibility.
Debt-to-income ratio is a simple formula, calculated based on several key elements of a homeowner&#8217;s incoming salary versus outgoing expenses. There are two different types [...]]]></description>
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