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	<title>Mortgage Rate News</title>
	<link>http://www.banks.com/blogs/mortgages</link>
	<description>Find the latest mortgage rates, mortgage rate news and articles on the Banks.com Mortgage Blog.</description>
	<pubDate>Fri, 20 Nov 2009 15:15:41 +0000</pubDate>
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			<item>
		<title>Loan Modification and Your Credit Score</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/20/loan-modification-and-your-credit-score/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/20/loan-modification-and-your-credit-score/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 15:15:41 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Consumer warning]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Mortgage Lenders]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/20/loan-modification-and-your-credit-score/</guid>
		<description><![CDATA[Image via Wikipedia
One of the issues surrounding loan modification is how it could affect a credit score. Many have been concerned about how deciding to go through a loan modification could possibly damage a credit score. This is because there haven&#8217;t been a lot guidelines about how to handle credit reporting with regard to loan [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/20/loan-modification-and-your-credit-score/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Factoring in Interest When Considering the Total Cost of Your Home</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/19/factoring-in-interest-when-considering-the-total-cost-of-your-home/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/19/factoring-in-interest-when-considering-the-total-cost-of-your-home/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 19:17:04 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Consumer warning]]></category>

		<category><![CDATA[Mortgage Interest]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Real Estate Tips]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/19/factoring-in-interest-when-considering-the-total-cost-of-your-home/</guid>
		<description><![CDATA[Image via Wikipedia
So often, when we look at the purchase price of a home, that is all we see. We look at a home that costs $187,000, and think: &#8220;Not bad.&#8221; We talk about how much the home cost, and we use that number. However, the total cost of your home is more than just [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/19/factoring-in-interest-when-considering-the-total-cost-of-your-home/feed/</wfw:commentRss>
		</item>
		<item>
		<title>October Housing Starts Fall; Obama Warns of Double-Dip Recession Possibilities</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/18/october-housing-starts-fall-obama-warns-of-double-dip-recession-possibilities/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/18/october-housing-starts-fall-obama-warns-of-double-dip-recession-possibilities/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 17:46:02 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Housing market]]></category>

		<category><![CDATA[News]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/18/october-housing-starts-fall-obama-warns-of-double-dip-recession-possibilities/</guid>
		<description><![CDATA[Image by tamaki via Flickr
After holding relatively steady for months, housing starts fell in October. One of the main reasons for the drop, say many analysts, is the fact that the fate of the first time home buyer tax credit was in doubt. As a result, builders slowed their projects. However, with the extension and [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/18/october-housing-starts-fall-obama-warns-of-double-dip-recession-possibilities/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Conflicts Surrounding Bank Reform</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/17/conflicts-surrounding-bank-reform/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/17/conflicts-surrounding-bank-reform/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 15:50:03 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Mortgage Lenders]]></category>

		<category><![CDATA[News]]></category>

		<category><![CDATA[Economy]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/17/conflicts-surrounding-bank-reform/</guid>
		<description><![CDATA[Image via Wikipedia
One of the things that has many people steamed right now is the fact that, while personal bankruptcy is on the rise, big banks have been getting special help staying afloat from the taxpayers via the government. These policies started in the Bush Administration, and have continued in the present Obama Administration. However, [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/17/conflicts-surrounding-bank-reform/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Remember to Have Your PMI Removed</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/16/remember-to-have-your-pmi-removed/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/16/remember-to-have-your-pmi-removed/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 16:08:43 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Home Insurance]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Consumer warning]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/16/remember-to-have-your-pmi-removed/</guid>
		<description><![CDATA[Image via Wikipedia
One of the more common occurrences related to mortgages is the need for Primary Mortgage Insurance (PMI). This is important to mortgage lenders who are concerned when you have less than 20% down. Some use a piggy-back mortgage to help avoid PMI, taking out a loan for 20% of the purchase price. While [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/16/remember-to-have-your-pmi-removed/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Foreclosure and Your Credit Score</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/13/foreclosure-and-your-credit-score/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/13/foreclosure-and-your-credit-score/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 17:19:11 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Foreclosures]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Real Estate Tips]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/13/foreclosure-and-your-credit-score/</guid>
		<description><![CDATA[Image via Wikipedia
Foreclosure definitely affects your credit score. Indeed, since it is such a huge loan, a form of credit, your mortgage can make a big dent in your credit score. If you lose your home to foreclosure, then you could see a drop of between 200 and 300 points. That is a huge ding [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/13/foreclosure-and-your-credit-score/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Foreclosures Continue to Decline</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/12/foreclosures-continue-to-decline/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/12/foreclosures-continue-to-decline/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 20:24:57 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Foreclosures]]></category>

		<category><![CDATA[Housing market]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Mortgage Trends]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Bankruptcy]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/12/foreclosures-continue-to-decline/</guid>
		<description><![CDATA[Image by respres via Flickr
For the third month in a row, foreclosures have declined. October saw a decline in home owners ready to lose their homes. Thanks to programs aimed at helping home owners refinance or modify their loans, foreclosures have been slowing. However, as BloggingStocks reports, there are still concerns for the future:
The number [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/12/foreclosures-continue-to-decline/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Advantages of Refinancing</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/11/advantages-of-refinancing/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/11/advantages-of-refinancing/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 18:19:51 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Refinance]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Home Equity Loan]]></category>

		<category><![CDATA[Debt Consolidation]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/11/advantages-of-refinancing/</guid>
		<description><![CDATA[Image by Getty Images via Daylife
There has been a lot of focus lately on the fact that the first time home buyer tax credit has been extended, and and expanded to include some who have not bought a home yet. However, in all of this interest over buying a home, it is also important to [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/11/advantages-of-refinancing/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Freddie Mac Sees 3rd Quarter Loss</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/09/freddie-mac-sees-3rd-quarter-loss/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/09/freddie-mac-sees-3rd-quarter-loss/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 15:26:40 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Housing market]]></category>

		<category><![CDATA[Refinance]]></category>

		<category><![CDATA[Mortgage Lenders]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/09/freddie-mac-sees-3rd-quarter-loss/</guid>
		<description><![CDATA[Image by Getty Images via Daylife
Freddie Mac saw a 3rd quarter loss of $5 billion as foreclosures continue to cause problems and the economic climate makes things difficult for individuals. Freddie Mac also expects, at some point, to request more funds from the U.S. Treasury. HousingWire reports on the state of the housing market and [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/09/freddie-mac-sees-3rd-quarter-loss/feed/</wfw:commentRss>
		</item>
		<item>
		<title>First Time Home Buyer Tax Credit Extended</title>
		<link>http://www.banks.com/blogs/mortgages/2009/11/06/first-time-home-buyer-tax-credit-extended/</link>
		<comments>http://www.banks.com/blogs/mortgages/2009/11/06/first-time-home-buyer-tax-credit-extended/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:44:46 +0000</pubDate>
		<dc:creator>Miranda Marquit</dc:creator>
		
		<category><![CDATA[Taxes]]></category>

		<category><![CDATA[Housing market]]></category>

		<category><![CDATA[News]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Real Estate Investments]]></category>

		<category><![CDATA[Home Mortgage]]></category>

		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/mortgages/2009/11/06/first-time-home-buyer-tax-credit-extended/</guid>
		<description><![CDATA[Image via Wikipedia
The first time home buyer tax credit has been extended &#8212; and expanded. The $8,000 credit has been extended by six months, and there has been an expansion to include current home owners who want to buy. Current home owners can get a $6,500 tax credit when they look for a new home. [...]]]></description>
		<wfw:commentRss>http://www.banks.com/blogs/mortgages/2009/11/06/first-time-home-buyer-tax-credit-extended/feed/</wfw:commentRss>
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