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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. Providing Comprehensive Real Estate Knowledge and Services to Residential Buyers and Sellers.</description>
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		<title>Making sense of the Financial Regulations Bill for Buyers</title>
		<link>http://www.visionaryrealtynews.com/2010/07/20/making-sense-of-the-financial-regulations-bill-for-buyers/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/20/making-sense-of-the-financial-regulations-bill-for-buyers/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 07:38:16 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[United States]]></category>

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		<description><![CDATA[Making sense of the Financial Regulations Bill for Buyers]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can a Buyer Still Qualify If He/She Closes After April 30, 2010?</title>
		<link>http://www.visionaryrealtynews.com/2010/07/03/can-a-buyer-still-qualify-if-heshe-closes-after-april-30-2010/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/03/can-a-buyer-still-qualify-if-heshe-closes-after-april-30-2010/#comments</comments>
		<pubDate>Sat, 03 Jul 2010 08:36:30 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Homebuyer Tax Credit]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[NAR]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Contract]]></category>
		<category><![CDATA[Credit (finance)]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Tax credit]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28944</guid>
		<description><![CDATA[Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Who Qualifies for the Extended “first-time home buyer” tax Credit?</title>
		<link>http://www.visionaryrealtynews.com/2010/07/03/who-qualifies-for-the-extended-%e2%80%9cfirst-time-home-buyer%e2%80%9d-tax-credit/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/03/who-qualifies-for-the-extended-%e2%80%9cfirst-time-home-buyer%e2%80%9d-tax-credit/#comments</comments>
		<pubDate>Sat, 03 Jul 2010 08:25:08 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Homebuyer Tax Credit]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credits]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[IRS Form 5405]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28940</guid>
		<description><![CDATA[Who Qualifies for the Extended Credit?]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>#BOFA sent out nearly 100,000 solicitations to distressed homeowners offering them a chance at a deed-in-lieu transaction</title>
		<link>http://www.visionaryrealtynews.com/2010/07/01/bofa-sent-out-nearly-100000-solicitations-to-distressed-homeowners-offering-them-a-chance-at-a-deed-in-lieu-transaction/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/01/bofa-sent-out-nearly-100000-solicitations-to-distressed-homeowners-offering-them-a-chance-at-a-deed-in-lieu-transaction/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 01:02:28 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit score]]></category>
		<category><![CDATA[Deed in lieu of foreclosure]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Short (finance)]]></category>

		<guid isPermaLink="false">http://EzineArticles.com/4581285</guid>
		<description><![CDATA[Recently, Bank of America sent out nearly 100,000 solicitations to distressed homeowners offering them a chance at a deed-in-lieu transaction.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>If You Don&#8217;t Buy a House Now, You&#8217;re Stupid or Broke says Newsweek</title>
		<link>http://www.visionaryrealtynews.com/2010/06/20/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/20/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 01:03:41 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Listing Presentation]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Trappist]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28457</guid>
		<description><![CDATA[Interest rates are at historic lows but cyclical trends suggest they will soon rise. Home buyers may never see such a chance again, writes Marc Roth]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/06/20/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Frequently Asked Questions on Short Sales answered by my Short Sale partner IFR</title>
		<link>http://www.visionaryrealtynews.com/2010/06/19/frequently-asked-questions-on-short-sales-answered-by-my-short-sale-partner-ifr/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/19/frequently-asked-questions-on-short-sales-answered-by-my-short-sale-partner-ifr/#comments</comments>
		<pubDate>Sat, 19 Jun 2010 10:44:31 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Business Services]]></category>
		<category><![CDATA[Listing Presentation]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit rating]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Market value]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Short (finance)]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28430</guid>
		<description><![CDATA[Q.  Why do I have to submit a Short Sale package?

A. In short, because lenders require it.  Lenders need to have a compelling reason to work with the seller.  By providing tax returns, bank statements, pay stubs and other forms of household income and expenses along with a detailed hardship letter, the lender has a true an accurate picture of the sellers’ circumstance.  IFR works with sellers to complete a thorough and effective Short Sale package.
Q.  Will a Short Sale hurt my credit?

A. The term “Short Sale” is not reflected on the sellers credit report.  Many times a Short Sale is reported as “Paid-Settled” which will most likely lower the sellers credit rating.  The alternative, however, would be foreclosure which can significantly damage a sellers credit rating for years to come. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>June 1 Fannie Mae has lenders pull a NEW credit report prior to ordering loan documents and/or closing.</title>
		<link>http://www.visionaryrealtynews.com/2010/05/16/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/</link>
		<comments>http://www.visionaryrealtynews.com/2010/05/16/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/#comments</comments>
		<pubDate>Sun, 16 May 2010 23:33:00 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[FannieMae]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Underwriting]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=25456</guid>
		<description><![CDATA[Starting June 1, 2010 Fannie Mae is going to implement some changes to their underwriting process. Most of them are minor and will not have any impact, but the one that MAY change things is the lenders will be pulling a NEW credit report prior to ordering loan documents and/or closing.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/05/16/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it time to rush out and buy a house before mortgage rates go up?</title>
		<link>http://www.visionaryrealtynews.com/2010/03/20/is-it-time-to-rush-out-and-buy-a-house-before-mortgage-rates-go-up/</link>
		<comments>http://www.visionaryrealtynews.com/2010/03/20/is-it-time-to-rush-out-and-buy-a-house-before-mortgage-rates-go-up/#comments</comments>
		<pubDate>Sun, 21 Mar 2010 03:03:52 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Suisse]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Federal Reserve System]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Tax credit]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=22852</guid>
		<description><![CDATA[
			
				
			
		


Is it time to rush out and buy a house before mortgage rates go up?
As the Federal Reserve winds down its intervention in the mortgage market, rates on home loans are generally expected to rise at least modestly during the rest of this year from today&#8217;s unusually low levels. Some analysts believe mortgage rates will [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Complete Short Sale Process How a Short Sale is Handled from Listing to Bank Approval</title>
		<link>http://www.visionaryrealtynews.com/2010/03/16/the-complete-short-sale-process-how-a-short-sale-is-handled-from-listing-to-bank-approval/</link>
		<comments>http://www.visionaryrealtynews.com/2010/03/16/the-complete-short-sale-process-how-a-short-sale-is-handled-from-listing-to-bank-approval/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 15:37:01 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Market value]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker]]></category>
		<category><![CDATA[Short]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Wachovia]]></category>

		<guid isPermaLink="false">5EE4DA4F-FC50-42B1-B852-4D548DB267BE</guid>
		<description><![CDATA[What is a short sale?  A short sale is a sales transaction in which the seller's mortgage lender agrees to accept a payoff of less than the balance due on the loan. ]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/03/16/the-complete-short-sale-process-how-a-short-sale-is-handled-from-listing-to-bank-approval/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>#Realestate Foreclosures</title>
		<link>http://www.visionaryrealtynews.com/2010/02/25/foreclosures/</link>
		<comments>http://www.visionaryrealtynews.com/2010/02/25/foreclosures/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 21:19:52 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Residential]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">84C10F43-09A1-4535-8733-78329347003D</guid>
		<description><![CDATA[Foreclosures are still impacting the housing market and this will likely continue through 2010. This Updated Field Guide provides foreclosure information and resources for REALTORS® and their clients, including information for those interested in investing in foreclosed properties.]]></description>
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