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	<title>Visionary Realty News &#187; Loan</title>
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	<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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		<title>Fannie Mae and Freddie Mac Offer A Reprieve for Unemployed Borrowers Yet Beware of Unpaid Balances Increasing.</title>
		<link>http://www.visionaryrealtynews.com/2012/01/fannie-mae-and-freddie-mac-offer-a-reprieve-for-unemployed-borrowers-yet-beware-of-unpaid-balances-increasing/</link>
		<comments>http://www.visionaryrealtynews.com/2012/01/fannie-mae-and-freddie-mac-offer-a-reprieve-for-unemployed-borrowers-yet-beware-of-unpaid-balances-increasing/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 03:13:32 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[VRN]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Forbearance]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Unemployment]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=80798</guid>
		<description><![CDATA[Fannie Mae and Freddie Mac recently extended their foreclosure forbearance programs to give short-term aid to unemployed homeowners, but housing counselors warn that these borrowers will need to look at longer-term solutions.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2012/01/fannie-mae-and-freddie-mac-offer-a-reprieve-for-unemployed-borrowers-yet-beware-of-unpaid-balances-increasing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>The Best Holiday Gift Some People Might Receive Would be help with a Down Payment on a House</title>
		<link>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/</link>
		<comments>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 17:00:36 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Trulia]]></category>
		<category><![CDATA[VA loan]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=80139</guid>
		<description><![CDATA[Help with a down payment With most lenders requiring borrowers to put down at least 20 percent as a down payment – unless using an FHA or VA loan, or purchasing mortgage insurance – the best holiday gift some people might receive would be help with a down payment on a house.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the expansion of CCP §580(e) doing to short sales in California?</title>
		<link>http://www.visionaryrealtynews.com/2011/08/what-is-the-expansion-of-ccp-%c2%a7580e-doing-to-short-sales-in-california/</link>
		<comments>http://www.visionaryrealtynews.com/2011/08/what-is-the-expansion-of-ccp-%c2%a7580e-doing-to-short-sales-in-california/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 22:44:07 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[LA Area]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Deficiency judgment]]></category>
		<category><![CDATA[Lien]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Short]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=78479</guid>
		<description><![CDATA[Recently enacted California legislation, CCP §580(e), was originally intended to put individual short sale sellers of 1-4 units, with regard to deficiency issues, in the same position as foreclosed individuals by prohibiting lenders in first position from seeking a deficiency after the short sale had closed. Even more recently the deficiency protection for borrowers in this section has been expanded to include junior lien holders.

While at first glance this revision appears to aid homeowners, it could mean that junior lienholders may no longer approve short sales. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>#LA neighborhoods where appraisals and market prices more closely meet ensuring less escrows fall out with Buyers&#8217; Lenders</title>
		<link>http://www.visionaryrealtynews.com/2011/06/la-neighborhoods-where-appraisals-and-market-prices-more-closely-meet-ensuring-less-escrows-fall-out-with-buyers-lenders/</link>
		<comments>http://www.visionaryrealtynews.com/2011/06/la-neighborhoods-where-appraisals-and-market-prices-more-closely-meet-ensuring-less-escrows-fall-out-with-buyers-lenders/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 21:15:53 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Hot Properties]]></category>
		<category><![CDATA[LA Area]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Relocating to LA]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Closing]]></category>
		<category><![CDATA[Contract]]></category>
		<category><![CDATA[El Segundo]]></category>
		<category><![CDATA[Hollywood Hills]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Mar Vista]]></category>
		<category><![CDATA[Mar Vista Los Angeles]]></category>
		<category><![CDATA[Palms]]></category>
		<category><![CDATA[Pico-Robertson]]></category>
		<category><![CDATA[Playa Del Rey]]></category>
		<category><![CDATA[Playa del Rey Los Angeles]]></category>
		<category><![CDATA[Playa Vista]]></category>
		<category><![CDATA[Playa Vista Los Angeles]]></category>
		<category><![CDATA[Price]]></category>
		<category><![CDATA[Real estate broker/agent]]></category>
		<category><![CDATA[Sales]]></category>
		<category><![CDATA[Sawtelle]]></category>
		<category><![CDATA[South Robertson Los Angeles]]></category>
		<category><![CDATA[West Adams]]></category>
		<category><![CDATA[Westchester]]></category>
		<category><![CDATA[Wikipedia]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=75029</guid>
		<description><![CDATA[Buyers' lenders don't want a buyer who overpays meaning that said buyer is already 'underwater' after their Lender's appraisal, a leading cause of escrow's often falling out. House hunt in these neighborhoods...]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/06/la-neighborhoods-where-appraisals-and-market-prices-more-closely-meet-ensuring-less-escrows-fall-out-with-buyers-lenders/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/05/is-now-the-time-to-dump-your-arm/feed/</wfw:commentRss>
		<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>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[“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>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>
		</item>
		<item>
		<title>Preparing to Close on a Property? Keep these things in mind&#8230;</title>
		<link>http://www.visionaryrealtynews.com/2010/08/preparing-to-close-on-a-property-keep-these-things-in-mind/</link>
		<comments>http://www.visionaryrealtynews.com/2010/08/preparing-to-close-on-a-property-keep-these-things-in-mind/#comments</comments>
		<pubDate>Tue, 03 Aug 2010 00:00:02 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker/agent]]></category>
		<category><![CDATA[Title insurance in the United States]]></category>

		<guid isPermaLink="false">http://EzineArticles.com/4778174</guid>
		<description><![CDATA[Closing on a property is both a thrilling and taxing ordeal for buyers and seller alike. Make sure to prepare on the closing day thoroughly whether you are a buyer or a seller.]]></description>
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		<slash:comments>0</slash:comments>
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