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	<title>WelcomeHomeNWI.com &#187; Home Loan</title>
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	<description>Your Home for Real Estate and Mortgage News for the Best Home Communities in Northwest Indiana</description>
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		<title>Will Home Loan Rates Go Back Down to Lows of 2010</title>
		<link>http://welcomehomenwi.com/2011/01/will-home-loan-rates-go-back-down-to-lows-of-2010.html</link>
		<comments>http://welcomehomenwi.com/2011/01/will-home-loan-rates-go-back-down-to-lows-of-2010.html#comments</comments>
		<pubDate>Tue, 11 Jan 2011 21:12:28 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Views You Can Use]]></category>
		<category><![CDATA[Home Loan]]></category>

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		<description><![CDATA[Ever since the announcement of Quantitative Easing 2 in late November of 2010, mortgage rates have been on a quick climb higher. This has unfortunately prevented many homeowners from refinancing and homebuyers from buying real estate. The number one question that has been debated amongst homebuyers, home sellers, real estate investors, Realtors and mortgage professionals alike [...]]]></description>
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		<title>Simple Real Estate Definitions: Refinance</title>
		<link>http://welcomehomenwi.com/2008/12/simple-real-estate-definitions-refinance.html</link>
		<comments>http://welcomehomenwi.com/2008/12/simple-real-estate-definitions-refinance.html#comments</comments>
		<pubDate>Fri, 12 Dec 2008 16:07:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Mortgage]]></category>

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		<description><![CDATA[A mortgage is a contract between a bank and borrower, defining the terms by which a home loan must be repaid. The paperwork, signed by both parties, includes provisions for things like: The interest rate The length of the loan The amount of money to be borrowed But, like all loans, a mortgage loan can [...]]]></description>
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		<title>Conforming Fixed Rate Mortgages Are Now Priced Better Tan Comparable ARMs</title>
		<link>http://welcomehomenwi.com/2008/12/conforming-fixed-rate-mortgages-are-now-priced-better-tan-comparable-arms.html</link>
		<comments>http://welcomehomenwi.com/2008/12/conforming-fixed-rate-mortgages-are-now-priced-better-tan-comparable-arms.html#comments</comments>
		<pubDate>Thu, 11 Dec 2008 15:00:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>

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		<description><![CDATA[It&#8217;s the age-old question for home buyers in need of a mortgage: Which is better: Fixed or ARM? Historically, the answer has hinged on a homebuyer&#8217;s desire to meet one of two mutually-exclusive mortgage financing goals: Get low mortgage payments for better cash flow Get long-term payment stability for better budget planning But because of [...]]]></description>
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		<title>Word of the Day &#8211; Modify</title>
		<link>http://welcomehomenwi.com/2008/11/word-of-the-day-modify.html</link>
		<comments>http://welcomehomenwi.com/2008/11/word-of-the-day-modify.html#comments</comments>
		<pubDate>Wed, 12 Nov 2008 22:22:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Certified Mortgage Planner]]></category>
		<category><![CDATA[CMPS]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Mortgage]]></category>
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		<category><![CDATA[Mortgage Planner]]></category>
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		<description><![CDATA[It seems as if every news item surrounding the housing market entrenches the word modify. Therefore, what does modify mean. According to Dictionary.com Unabridged (v1.1) the word modify is defined as: to change somewhat the form or qualities of; alter partially; amend: to modify a contract. to reduce or lessen in degree or extent; moderate; [...]]]></description>
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		<title>Streamlined Modifications &#8211; Will it Help?</title>
		<link>http://welcomehomenwi.com/2008/11/streamlined-modifications-will-it-help.html</link>
		<comments>http://welcomehomenwi.com/2008/11/streamlined-modifications-will-it-help.html#comments</comments>
		<pubDate>Tue, 11 Nov 2008 23:52:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[CMPS]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Freddi Mac]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
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		<description><![CDATA[The Federal Housing Finance Agency (FHFA) announced today that a major program designed to simplify and streamline loan modifications for struggling homeowners to prevent foreclosures had been established. The collaboration between Fannie Mae (FNM), Freddie Mac (FRM), Federal Home Loan Banks, HOPE NOW (and it&#8217;s 27 service partners), Department of Treasury, Federal Housing Administration and [...]]]></description>
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