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	<title>Creditinfocenter Blog &#187; Refinancing</title>
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		<title>Obama Proposes Mandatory Refinancing for Underwater Home Loans</title>
		<link>http://www.creditinfocenter.com/wordpress/2012/02/01/obama-proposes-mandatory-refinancing-for-underwater-home-loans/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2012/02/01/obama-proposes-mandatory-refinancing-for-underwater-home-loans/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 15:42:29 +0000</pubDate>
		<dc:creator>Meredith Simonds</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[Home Affordable Refinancing Program]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[underwater]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=13233</guid>
		<description><![CDATA[Outlined in this new program is a requirement that home loans must be refinanced if the homeowners owe more than 140 percent of the value of their home.]]></description>
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		<title>Freddie Mac Turns to YouTube With Message on Loan Modification Programs</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/17/freddie-mac-youtube-message-loan-modification-programs/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/17/freddie-mac-youtube-message-loan-modification-programs/#comments</comments>
		<pubDate>Fri, 17 Jul 2009 12:00:12 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Freddie Mac video]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan restructuring]]></category>
		<category><![CDATA[loan workout initiatives]]></category>
		<category><![CDATA[making home affordable program]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2404</guid>
		<description><![CDATA[Freddie Mac has a new private channel on YouTube.com,  the feature presentation being a short video which shows step-by-step which documents borrowers should have on hand when they call their servicer to discuss potential loan modifications. The two minute video, entitled, “Stop Foreclosure: Documents Your Lender Needs to Help You,” is available in both English [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Restructuring Mortgage Programs For Underwater, Subprime and Jumbo Loans</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/05/28/restructuring-mortgage-programs-for-underwater-subprime-and-jumbo-loans/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/05/28/restructuring-mortgage-programs-for-underwater-subprime-and-jumbo-loans/#comments</comments>
		<pubDate>Thu, 28 May 2009 15:37:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[conforming]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[loan restructuring]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Making Homes Affordable]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=1669</guid>
		<description><![CDATA[The &#8220;Making Homes Affordable&#8221; Program introduced by the Obama administration is not limited to Fannie and Freddie Mac loans, also known as conventional or conforming loans . There are actually two sets of loan programs under the Making Homes Affordable (MHA) program. One program is called Home Affordable Refinance, and is for conforming loans on [...]]]></description>
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		<slash:comments>2</slash:comments>
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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[Mortgages]]></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 [...]]]></description>
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		<slash:comments>1</slash:comments>
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