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	<title>Visionary Realty News &#187; Mortgage</title>
	<atom:link href="http://www.visionaryrealtynews.com/category/mortgage/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.visionaryrealtynews.com</link>
	<description>by Visionary Agents w/ Sotheby&#039;s International Realty® Where lifestyle is Realty adjacent.™. Providing Comprehensive Real Estate Knowledge and Services to Residential Buyers and Sellers.</description>
	<lastBuildDate>Mon, 06 Feb 2012 17:07:18 +0000</lastBuildDate>
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		<item>
		<title>Is now the time to dump your ARM?</title>
		<link>http://www.visionaryrealtynews.com/2011/05/is-now-the-time-to-dump-your-arm/</link>
		<comments>http://www.visionaryrealtynews.com/2011/05/is-now-the-time-to-dump-your-arm/#comments</comments>
		<pubDate>Tue, 24 May 2011 16:15:30 +0000</pubDate>
		<dc:creator>Peter Miller</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Adjustable Rate Mortgages]]></category>
		<category><![CDATA[Adjustable-rate mortgage]]></category>
		<category><![CDATA[Arms]]></category>
		<category><![CDATA[Detroit]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Mr. Dugan]]></category>
		<category><![CDATA[Option ARMs]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">http://blog.hsh.com/?p=44172</guid>
		<description><![CDATA[Despite continuing low mortgage rates, one prominent Detroit bankruptcy attorney says ARMs remain a looming danger and should be avoided.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tell Congress: 20% Down Payments Put the American Dream Out of Reach, #Petition</title>
		<link>http://www.visionaryrealtynews.com/2011/05/tell-congress-20-down-payments-put-the-american-dream-out-of-reach-petition/</link>
		<comments>http://www.visionaryrealtynews.com/2011/05/tell-congress-20-down-payments-put-the-american-dream-out-of-reach-petition/#comments</comments>
		<pubDate>Fri, 20 May 2011 08:08:47 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[NAR]]></category>
		<category><![CDATA[Petition]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Johnny Isakson]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[United States Congress]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=42849</guid>
		<description><![CDATA[Please contact Congress today and ask them to make it clear to the regulators to implement a more reasonable QRM that will keep credit-worthy buyers in the market and able to acquire a loan.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/05/tell-congress-20-down-payments-put-the-american-dream-out-of-reach-petition/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners may get a 2nd shot at a &#8216;loan mod&#8217; #loanmod #refi #loan #debt</title>
		<link>http://www.visionaryrealtynews.com/2011/04/homeowners-may-get-a-2nd-shot-at-a-loan-mod-loanmod-refi-loan-debt/</link>
		<comments>http://www.visionaryrealtynews.com/2011/04/homeowners-may-get-a-2nd-shot-at-a-loan-mod-loanmod-refi-loan-debt/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 17:13:42 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Huntington Beach California]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Loan Mods]]></category>
		<category><![CDATA[Loan servicing]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Mortgage modification]]></category>
		<category><![CDATA[Mortgage Servicers]]></category>
		<category><![CDATA[Remod]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>
		<category><![CDATA[Wolters Kluwer]]></category>

		<guid isPermaLink="false">http://blog.hsh.com/?p=41562</guid>
		<description><![CDATA[A chance to remodify your loan mod: If you were unsuccessful at modifying your home loan, perhaps this will sound familiar: while you were making your trial payments, your servicer simultaneously began the foreclosure process.


Due to the federal penalties against mortgage servicers and a recent court ruling in California, a new wrinkle to the foreclosure prevention effort has emerged. If you [...]]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/04/homeowners-may-get-a-2nd-shot-at-a-loan-mod-loanmod-refi-loan-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buyers: cash in on these conditions before competition returns</title>
		<link>http://www.visionaryrealtynews.com/2011/04/buyers-cash-in-on-these-conditions-before-competition-returns/</link>
		<comments>http://www.visionaryrealtynews.com/2011/04/buyers-cash-in-on-these-conditions-before-competition-returns/#comments</comments>
		<pubDate>Mon, 25 Apr 2011 17:04:54 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Adjustable-rate mortgage]]></category>
		<category><![CDATA[Basis point]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Fixed rate mortgage]]></category>
		<category><![CDATA[FOMC]]></category>
		<category><![CDATA[Free market]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[HSH.com]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Percentage point]]></category>
		<category><![CDATA[Real estate pricing]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">http://blog.hsh.com/?p=41392</guid>
		<description><![CDATA[Two weeks ago I suggested that homebuyers be ready to act swiftly if mortgage rates dipped, since most experts are predicting that rates will remain on an upward trend as we look forward. I hope you potential homebuyers out there were listening because mortgage rates did ease last week, and current market conditions have made [...]]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/04/buyers-cash-in-on-these-conditions-before-competition-returns/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage rates Rebound from 2010&#8242;s near-record low reducing consumer demand 4 home loans N refinancings</title>
		<link>http://www.visionaryrealtynews.com/2011/04/mortgage-rates-rebound-from-2010s-near-record-low-reducing-consumer-demand-4-home-loans-n-refinancings/</link>
		<comments>http://www.visionaryrealtynews.com/2011/04/mortgage-rates-rebound-from-2010s-near-record-low-reducing-consumer-demand-4-home-loans-n-refinancings/#comments</comments>
		<pubDate>Sat, 09 Apr 2011 01:15:44 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[L.A. Times]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Adjustable-rate mortgage]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Fixed rate mortgage]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[San Francisco]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=41160</guid>
		<description><![CDATA[A rebound in mortgage rates from last year's near-record low has reduced consumer demand for home loans and refinancings, leading Wells Fargo &#038; Co. to join other industry stalwarts in laying off loan processors and related workers.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/04/mortgage-rates-rebound-from-2010s-near-record-low-reducing-consumer-demand-4-home-loans-n-refinancings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>#Mortgage aid offered to those who cashed out equity in #CA</title>
		<link>http://www.visionaryrealtynews.com/2011/04/mortgage-aid-offered-to-those-who-cashed-out-equity-in-ca/</link>
		<comments>http://www.visionaryrealtynews.com/2011/04/mortgage-aid-offered-to-those-who-cashed-out-equity-in-ca/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 16:00:51 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[LA Area]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[West Hollywood]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[California Housing Finance Agency]]></category>
		<category><![CDATA[Debt restructuring]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Home Affordable Modification Program]]></category>
		<category><![CDATA[Home insurance]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[United States Department of the Treasury]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=41140</guid>
		<description><![CDATA[The California Housing Finance Agency announced this week that people who cashed out equity on their home now are eligible for three of the four “Keep Your Home California” programs.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/04/mortgage-aid-offered-to-those-who-cashed-out-equity-in-ca/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Necessary Papers You Must gather to Buy (or Sell) a Home</title>
		<link>http://www.visionaryrealtynews.com/2011/03/10-necessary-papers-you-must-gather-to-buy-or-sell-a-home/</link>
		<comments>http://www.visionaryrealtynews.com/2011/03/10-necessary-papers-you-must-gather-to-buy-or-sell-a-home/#comments</comments>
		<pubDate>Tue, 29 Mar 2011 16:20:25 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Quitclaim Deed]]></category>
		<category><![CDATA[Real estate broker/agent]]></category>
		<category><![CDATA[Sales]]></category>
		<category><![CDATA[Short (finance)]]></category>
		<category><![CDATA[Title insurance in the United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=40806</guid>
		<description><![CDATA[There’s a pretty finite universe of documents you’ll really need to round up to get your home bought - or sold. Here they are...]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/03/10-necessary-papers-you-must-gather-to-buy-or-sell-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae will probably lower the high balance conforming limit to $625,500</title>
		<link>http://www.visionaryrealtynews.com/2011/02/fannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500/</link>
		<comments>http://www.visionaryrealtynews.com/2011/02/fannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 01:19:55 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Federal takeover of Fannie Mae and Freddie Mac]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Jumbo mortgage]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Obama Administration]]></category>
		<category><![CDATA[United States Congress]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=39064</guid>
		<description><![CDATA[<div style="padding-top:5px;padding-right:0px;padding-bottom:5px;padding-left:0px;;">
											<iframe
												style="height:25px !important; border:0px solid gray !important; overflow:hidden !important; width:550px !important;" frameborder="0" scrolling="no" allowTransparency="true"
												src="http://www.linksalpha.com/social?blog=Visionary+Realty+News&link=http%3A%2F%2Fwww.visionaryrealtynews.com%2F2011%2F02%2Ffannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500%2F&title=Fannie+Mae+will+probably+lower+the+high+balance+conforming+limit+to+%24625%2C500&desc=%E2%80%9CThe+Obama+administration+proposes+to+reduce+the+%22footprint%E2%80%9D+of+Fannie+Mae+and+Freddie+Mac+by+reducing+the+ceiling+on+loans+that+the+two+government-controlled+lenders+can+guarantee+as+of+October+1&fc=333333&fs=arial&fblname=like&fblref=facebook&fbllang=en_US&fblshow=1&fbsbutton=1&fbsctr=1&fbslang=en&fbsendbutton=0&twbutton=1&twlang=en&twmention=%40visionaryagents&twrelated1=visionaryagents&twrelated2=&twctr=1&lnkdshow=show&lnkdctr=1&buzzbutton=1&buzzlang=en&buzzctr=1&diggbutton=1&diggctr=1&stblbutton=1&stblctr=1&g1button=1&g1ctr=1&g1lang=en-US">
											</iframe>
										</div>“The Obama administration proposes to reduce the &#8220;footprint” of Fannie Mae and Freddie Mac by reducing the ceiling on loans that the two government-controlled lenders can guarantee as of October 1, 2011. Current federal law allows the two agencies to guarantee mortgages up to $729,750 in some high-home price areas. The administration recommends that Congress [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CAR&#8217;s Steve Goddard: Obama extends FHA loan limits through 2011 so current conforming loan limit of $729,750 for high-cost CA areas REMAINS</title>
		<link>http://www.visionaryrealtynews.com/2010/10/cars-steve-goddard-obama-extends-fha-loan-limits-through-2011-so-current-conforming-loan-limit-of-729750-for-high-cost-ca-areas-remains/</link>
		<comments>http://www.visionaryrealtynews.com/2010/10/cars-steve-goddard-obama-extends-fha-loan-limits-through-2011-so-current-conforming-loan-limit-of-729750-for-high-cost-ca-areas-remains/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 18:56:16 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Conforming loan]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Jumbo mortgage]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=33569</guid>
		<description><![CDATA[Late yesterday, President Obama signed a resolution that included a provision extending through fiscal year 2011 the current conforming loan  limit of $729,750 for high-cost areas, including many in California.  The same limits will also be extended to loans insured by the Federal Housing Administration.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/10/cars-steve-goddard-obama-extends-fha-loan-limits-through-2011-so-current-conforming-loan-limit-of-729750-for-high-cost-ca-areas-remains/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ready to buy? Get cocked, locked and ready to rock. Become a Qualified Buyer!</title>
		<link>http://www.visionaryrealtynews.com/2010/08/ready-to-buy-get-cocked-locked-and-ready-to-rock-become-a-qualified-buyer/</link>
		<comments>http://www.visionaryrealtynews.com/2010/08/ready-to-buy-get-cocked-locked-and-ready-to-rock-become-a-qualified-buyer/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 23:08:55 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Corporate tax]]></category>
		<category><![CDATA[IRS tax forms]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=30764</guid>
		<description><![CDATA[Ready to buy? Then here's what documentation you need to prepare so a mortgage banker can let you know exactly what loan amount and purchase price you can qualify for...]]></description>
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		<slash:comments>0</slash:comments>
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