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	<title>WelcomeHomeNWI.com &#187; Real Estate 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>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>Happy Thanksgiving for Whom?</title>
		<link>http://welcomehomenwi.com/2008/11/happy-thanksgiving-for-whom.html</link>
		<comments>http://welcomehomenwi.com/2008/11/happy-thanksgiving-for-whom.html#comments</comments>
		<pubDate>Fri, 28 Nov 2008 05:52:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Freddi Mac]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

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		<description><![CDATA[On Thursday, November 20th, Fannie Mae (FNM) and Freddie Mac (FRE) made a landmark announcement in regards to a temporary hiatus on foreclosure sales and evictions for a six week period beginning the day before Thanksgiving until January 9, 2009. At first read, politicians and consumer advocacy groups heralded the announcement as a win for [...]]]></description>
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		<title>The Big Scary &#8216;D&#8217; Word</title>
		<link>http://welcomehomenwi.com/2008/11/the-big-scary-d-word.html</link>
		<comments>http://welcomehomenwi.com/2008/11/the-big-scary-d-word.html#comments</comments>
		<pubDate>Mon, 24 Nov 2008 20:47:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

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		<description><![CDATA[I am not referring to Democrats, Detroit or the Depression. The big scary &#8216;D&#8217; word of the week has been DEFLATION. What is deflation? According to Dictionary.com Unabridged (v1.1) the word deflation is defined as: the act of deflating or the state of being deflated. Economics. a fall in the general price level or a [...]]]></description>
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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>

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		<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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		<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>

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		<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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		<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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