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	<title>Creditinfocenter Blog &#187; Refinancing</title>
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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 and [...]]]></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 [...]]]></description>
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		<slash:comments>0</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[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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		<slash:comments>1</slash:comments>
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		<title>High Credit Score a Necessity for Best Interest Rates</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/01/12/high-credit-score-a-necessity-for-best-interest-rates/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/01/12/high-credit-score-a-necessity-for-best-interest-rates/#comments</comments>
		<pubDate>Mon, 12 Jan 2009 14:17:20 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[new home loans]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/2009/01/12/high-credit-score-a-necessity-for-best-interest-rates/</guid>
		<description><![CDATA[Interest rates may be at their lowest levels in years, but qualifying for those primo rates is, unfortunately, also more difficult than it has been in years. According to many mortgage brokers, lending institutions are generally reluctant to provide the most favorable rates to all but the most bulletproof of borrowers&#8211; fallout from the subprime [...]]]></description>
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