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	<title>WelcomeHomeNWI.com &#187; Mortgage Industry</title>
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	<link>http://welcomehomenwi.com</link>
	<description>Your Home for Real Estate and Mortgage News for the Best Home Communities in Northwest Indiana</description>
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		<title>Top Real Estate and Mortgage Headlines for October 19th</title>
		<link>http://welcomehomenwi.com/2011/10/top-real-estate-and-mortgage-headlines-for-october-19th.html</link>
		<comments>http://welcomehomenwi.com/2011/10/top-real-estate-and-mortgage-headlines-for-october-19th.html#comments</comments>
		<pubDate>Wed, 19 Oct 2011 20:12:48 +0000</pubDate>
		<dc:creator>WelcomeHomeNWI</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Home Listings]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[New Home Supply]]></category>
		<category><![CDATA[Real Estate Trends]]></category>

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		<description><![CDATA[Although Apple managed to sell more than 4 million iPhone 4S over the weekend and arguably more than any analyst expected, those sales could not satisfy the expectations of investors. US stocks fell today on the heals of disappointing earnings from Apple even amongst all the buzz about Siri and iOS 5. If you&#8217;re amongst [...]]]></description>
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		<title>Banks Raise Mortgage Qualification Standards</title>
		<link>http://welcomehomenwi.com/2009/11/banks-raise-mortgage-qualification-standards.html</link>
		<comments>http://welcomehomenwi.com/2009/11/banks-raise-mortgage-qualification-standards.html#comments</comments>
		<pubDate>Thu, 12 Nov 2009 20:22:47 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Guideline Change]]></category>
		<category><![CDATA[Mortgage Industry]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1162</guid>
		<description><![CDATA[Despite the economy&#8217;s improvement and prodding from Congress, banks don&#8217;t seem ready to open their purse strings just yet. Nationally, mortgage approval standards are tightening. The data comes from a quarterly survey the Federal Reserve sends to its member banks.  The Fed asks senior bank loan officers around the country whether &#8220;prime&#8221; residential mortgage guidelines [...]]]></description>
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		<title>Is Mortgage Underwriting Getting More Friendly?</title>
		<link>http://welcomehomenwi.com/2009/08/is-mortgage-underwriting-getting-more-friendly.html</link>
		<comments>http://welcomehomenwi.com/2009/08/is-mortgage-underwriting-getting-more-friendly.html#comments</comments>
		<pubDate>Tue, 18 Aug 2009 14:26:27 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Random Thoughts]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Mortgage Industry]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=888</guid>
		<description><![CDATA[It looks like banks are less scared of mortgage loans these days. In its quarterly survey to member banks, the Federal Reserve asked senior bank loan officers whether &#8220;prime&#8221; residential mortgage guidelines had tightened in the last 3 months. Just one-fifth of banks said guidelines tightened last quarter, a dramatically lower figure versus last quarter [...]]]></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>Time is of the Essence</title>
		<link>http://welcomehomenwi.com/2008/12/time-is-of-the-essence.html</link>
		<comments>http://welcomehomenwi.com/2008/12/time-is-of-the-essence.html#comments</comments>
		<pubDate>Tue, 02 Dec 2008 19:10:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

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		<description><![CDATA[For real estate agents and attorneys, the phrase “time is of the essence” highlights an unparalleled importance on part of the process that manages the receipt and response to a purchase agreement.Likewise, mortgage professionals also utilize this phrase for emphasizing the critical process of facilitating the loan process within an allotted lock period. Most banks [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Health Care &amp; Mortgages&#8230;Not So Different</title>
		<link>http://welcomehomenwi.com/2008/11/health-care-mortgages-not-so-different.html</link>
		<comments>http://welcomehomenwi.com/2008/11/health-care-mortgages-not-so-different.html#comments</comments>
		<pubDate>Sat, 15 Nov 2008 18:17:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/http:/welcomehomenwi.com/</guid>
		<description><![CDATA[As I was reading the article &#8220;Employers Offer Workers Fewer Health Care Plans&#8220; posted in this morning&#8217;s NY Times, it occurred to me that the article was very reminiscent of the mortgage industry. If you removed all the health care jargon from the article and replaced with mortgage lingo you would come to the same [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Obama Mortgage Effect</title>
		<link>http://welcomehomenwi.com/2008/11/the-obama-mortgage-effect.html</link>
		<comments>http://welcomehomenwi.com/2008/11/the-obama-mortgage-effect.html#comments</comments>
		<pubDate>Thu, 13 Nov 2008 22:11:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/http:/welcomehomenwi.com/</guid>
		<description><![CDATA[Whether you like or dislike Barack Obama there has been pre-emptive domino effect with Wall Street banks and government agencies that has the markets running in circles. Everyone knows that the subprime debacle, homeownership, foreclosures and devalued real estate markets have been in the headlines and a primary reason that Democrats did so well in [...]]]></description>
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		<slash:comments>0</slash:comments>
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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>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Mortgage Planner]]></category>
		<category><![CDATA[Word of the Day]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/http:/welcomehomenwi.com/</guid>
		<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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		<slash:comments>0</slash:comments>
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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>
		<category><![CDATA[Real Estate Industry]]></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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