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	<title>Truth in Foreclosure &#187; General Info</title>
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	<link>http://www.truthinforeclosure.com</link>
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			<item>
		<title>5 Secrets to Getting Your Home Back After the Foreclosure Sale</title>
		<link>http://www.truthinforeclosure.com/5-secrets-to-getting-your-home-back-after-the-foreclosure-sale</link>
		<comments>http://www.truthinforeclosure.com/5-secrets-to-getting-your-home-back-after-the-foreclosure-sale#comments</comments>
		<pubDate>Wed, 05 May 2010 11:45:19 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[non-judicial foreclosure]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1893</guid>
		<description><![CDATA[Even after you lose your home at a foreclosure sale, you still have a couple ways you can get it back even after it has sold! And you have a few legal rights to be aware of as well. Find out your options before it's too late...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/5-secrets-to-getting-your-home-back-after-the-foreclosure-sale/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What Happens to My Credit Score with a Mortgage Loan Mod?</title>
		<link>http://www.truthinforeclosure.com/what-happens-to-my-credit-score-with-a-mortgage-loan-mod</link>
		<comments>http://www.truthinforeclosure.com/what-happens-to-my-credit-score-with-a-mortgage-loan-mod#comments</comments>
		<pubDate>Wed, 21 Apr 2010 12:23:37 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[My Short Sale]]></category>
		<category><![CDATA[Principle Writedown]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1877</guid>
		<description><![CDATA[The companies behind the new VantageScore credit score just finished up a study of over 400,000 credit files to see what the impacts of different foreclosure workouts are.  Their results aren't probably as bad as you think...some people could actually see an increase in scores because of modifications.  Come find out how...as well as what to expect if you have a short sale, a foreclosure, or a bankruptcy instead of a mod.  Plus, I share what's happened to my credit because of my short sale.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/what-happens-to-my-credit-score-with-a-mortgage-loan-mod/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What No One Tells You About Bankruptcy, Foreclosure and Your Credit</title>
		<link>http://www.truthinforeclosure.com/what-no-one-tells-you-about-bankruptcy-foreclosure-and-your-credit</link>
		<comments>http://www.truthinforeclosure.com/what-no-one-tells-you-about-bankruptcy-foreclosure-and-your-credit#comments</comments>
		<pubDate>Mon, 19 Apr 2010 11:32:35 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[credit]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1870</guid>
		<description><![CDATA[When you're going through foreclosure, many people will tell you that you can use bankruptcy to slow or stop the process. And they're right. But what they usually don't tell you are the consequences of filing bankruptcy and the fact that over 95% of bankruptcy workout plans fail.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/what-no-one-tells-you-about-bankruptcy-foreclosure-and-your-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Happens When I Can&#8217;t Complete My HAMP Trial Plan?</title>
		<link>http://www.truthinforeclosure.com/cant-complete-hamp-tial-bankruptcy-protection</link>
		<comments>http://www.truthinforeclosure.com/cant-complete-hamp-tial-bankruptcy-protection#comments</comments>
		<pubDate>Fri, 02 Apr 2010 11:51:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1861</guid>
		<description><![CDATA[As part of The Administration’s new plans last week, they’ve clarified what you can expect to happen if you are unable to make your HAMP trial plan payments and want to try a short sale.  In addition, they've released guidance that limits your servicer's ability to foreclose until they've evaluated you for HAMP.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/cant-complete-hamp-tial-bankruptcy-protection/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>President Obama, the Treasury, and the News All Have It Wrong!</title>
		<link>http://www.truthinforeclosure.com/president-obama-the-treasury-and-the-news-all-have-it-wrong</link>
		<comments>http://www.truthinforeclosure.com/president-obama-the-treasury-and-the-news-all-have-it-wrong#comments</comments>
		<pubDate>Wed, 24 Mar 2010 11:47:47 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[opinion]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1836</guid>
		<description><![CDATA[Have you noticed the shift in the everyone’s language over the past few months?  It doesn’t matter if you’re listening to President Obama, the Treasury Secretary, members of Congress, the news media, or even your lender.  They’ve all started talking about saving homeowners from foreclosure rather than keeping homeowners in their homes.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/president-obama-the-treasury-and-the-news-all-have-it-wrong/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January&#8217;s Top 5</title>
		<link>http://www.truthinforeclosure.com/januarys-top-5</link>
		<comments>http://www.truthinforeclosure.com/januarys-top-5#comments</comments>
		<pubDate>Tue, 23 Feb 2010 11:59:05 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[state laws]]></category>
		<category><![CDATA[workout]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1747</guid>
		<description><![CDATA[January was a very busy month for us here at Truth in Foreclosure and we had more site visits than any other month in our 3 year history.  So we’ve put together the top 5 posts for January so you don’t miss anything.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/januarys-top-5/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What if Freddie and Fannie Weren’t There Any More?</title>
		<link>http://www.truthinforeclosure.com/are-freddie-and-fannie-going-away</link>
		<comments>http://www.truthinforeclosure.com/are-freddie-and-fannie-going-away#comments</comments>
		<pubDate>Mon, 25 Jan 2010 11:23:57 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government regulation]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1694</guid>
		<description><![CDATA[Rep. Barney Frank (D-Ma.), chairman of the House Financial Services Committee, said Friday that Fannie Mae and Freddie Mac should be eliminated as they stand now.  Does this mean anything at all for you, your mortgage, or your fight to keep your home?  After all, Freddie and Fannie own or service over half of all mortgage loans in the country.  Come see why it won't matter!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/are-freddie-and-fannie-going-away/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Lender’s Dirty Little Secret</title>
		<link>http://www.truthinforeclosure.com/your-lender%e2%80%99s-dirty-little-secret</link>
		<comments>http://www.truthinforeclosure.com/your-lender%e2%80%99s-dirty-little-secret#comments</comments>
		<pubDate>Fri, 15 Jan 2010 11:45:59 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[forbearance]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1679</guid>
		<description><![CDATA[Have you ever wondered how your lender or servicer decides what to do when you submit a hardship package to them?  Come and see exactly how today!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/your-lender%e2%80%99s-dirty-little-secret/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Programs for Foreclosure Mediation</title>
		<link>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation</link>
		<comments>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation#comments</comments>
		<pubDate>Tue, 29 Sep 2009 10:32:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[state laws]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1599</guid>
		<description><![CDATA[Summary of 22 state/local programs that establish some type of foreclosure diversion program requiring lenders to engage in mediation, conciliation, or a settlement conference. Summaries include a general program description and lender and borrower obligations under the program.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Called on the Carpet for Denied Loan Mods – Is Wells Fargo the First of Many?</title>
		<link>http://www.truthinforeclosure.com/called-on-the-carpet-for-denied-loan-mods-%e2%80%93-is-wells-fargo-the-first-of-many</link>
		<comments>http://www.truthinforeclosure.com/called-on-the-carpet-for-denied-loan-mods-%e2%80%93-is-wells-fargo-the-first-of-many#comments</comments>
		<pubDate>Wed, 09 Sep 2009 11:28:17 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1590</guid>
		<description><![CDATA[According to a story in yesterday’s DSNews, a senior Wells Fargo executive was called into court to testify about why the company didn’t operate in good faith as it considered a loan modification of a homeowner in Phoenix.  Come see what happened and what it means for your efforts...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/called-on-the-carpet-for-denied-loan-mods-%e2%80%93-is-wells-fargo-the-first-of-many/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Calling Your Servicer About Loan Mods – Is Success Possible?</title>
		<link>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible</link>
		<comments>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible#comments</comments>
		<pubDate>Tue, 08 Sep 2009 11:35:22 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Deed in Lieu]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Legal Defenses]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[My Short Sale]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1585</guid>
		<description><![CDATA[A video released by Freddie Mac says that it is…and that having your documents all lined up and ready to go will help make things easier for you and your servicer.  I think you'll agree the video over simplifies a very complicated and convoluted process and makes it appear as if the problem is with homeowners not being prepared when they call their servicer.  Com see if you agree...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Create Your Own Hope Rather Than Putting It In Your Servicer</title>
		<link>http://www.truthinforeclosure.com/creating-hope</link>
		<comments>http://www.truthinforeclosure.com/creating-hope#comments</comments>
		<pubDate>Thu, 06 Aug 2009 11:20:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1577</guid>
		<description><![CDATA[So now that only 15% of the servicers aren’t part of the program, you’d think we should start seeing some movement…but I wouldn’t hold my breath.  If you’re dealing with your servicer right now, I’d bet my next paycheck you’re frustrated with how long it’s taking and you don’t understand how a servicer can say your loan can’t be modified even though there’s a government program that says it can.  You can wrestle control of your situation back from your lender, though, and bring some hope back into what may seem like a hopeless situation...come see how.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/creating-hope/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Expert Advice &#8211; Foreclosure and Credit Scores</title>
		<link>http://www.truthinforeclosure.com/foreclosure-and-credit-scores</link>
		<comments>http://www.truthinforeclosure.com/foreclosure-and-credit-scores#comments</comments>
		<pubDate>Wed, 17 Jun 2009 11:43:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/foreclosure-and-credit-scores</guid>
		<description><![CDATA[There's <em>a ton</em> of confusing and conflicting information on the web today about the impact of foreclosure, short sales, loan mods, and other mortgage workouts to your credit.  We went straight to the source of credit scores...myFICO...to find out the truth.</p>
No one will tell you this because it doesn't sound good if you're considering using their services.  We don't care, though...you need expert advice so you can get expert results.</p>]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/foreclosure-and-credit-scores/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My First Rant &#8212; The Foreclosure Industry</title>
		<link>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry</link>
		<comments>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry#comments</comments>
		<pubDate>Wed, 03 Jun 2009 11:14:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[opinion]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1412</guid>
		<description><![CDATA[After a few months of writing several times a week about foreclosure-related topics, I've decided it's time to rant a little bit and to ask for some help.  You see, unlike most of the so-called bloggers and forums our there today, this one is truly here to help.  That sounds more than a little egotistical as I write it.  But if you've been looking for reliable, timely, well-researched foreclosure information that isn't aimed at trying to get you to sign up for something, I'll bet you agree with me.  You'll also find out why the President and Congress are wrong to focus on keeping you in your home.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Home Affordable Deeds in Lieu and Short Sales</title>
		<link>http://www.truthinforeclosure.com/home-affordable-deeds-in-lieu-and-short-sales</link>
		<comments>http://www.truthinforeclosure.com/home-affordable-deeds-in-lieu-and-short-sales#comments</comments>
		<pubDate>Fri, 22 May 2009 11:58:55 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Deed in Lieu]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Leave My Home]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[loss mitigation]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1368</guid>
		<description><![CDATA[So what happens if your servicer says you don't qualify for a Home Affordable Modification or Refinance?  The Treasury Department and HUD have added to the Making Home Affordable program to answer that question.  If you're eligible for a Home Affordable Mod or Refinance but did not qualify, you need to check this out now...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/home-affordable-deeds-in-lieu-and-short-sales/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Chase Opens Loan Mod Centers</title>
		<link>http://www.truthinforeclosure.com/chase-opens-loan-mod-centers</link>
		<comments>http://www.truthinforeclosure.com/chase-opens-loan-mod-centers#comments</comments>
		<pubDate>Wed, 01 Apr 2009 11:32:40 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[emc]]></category>
		<category><![CDATA[jp morgan]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[wamu]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1209</guid>
		<description><![CDATA[In the past few weeks, JP Morgan Chase has opened 24 loan modification centers around the country staffed with customer service agents that will help homeowners one on one.  If you have a loan serviced by Chase, WaMu, or EMC Mortgage you can get help from a real, live person...check it out...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/chase-opens-loan-mod-centers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Affordable Refinance and Modification Update</title>
		<link>http://www.truthinforeclosure.com/home-affordable-refinance-and-modification-update</link>
		<comments>http://www.truthinforeclosure.com/home-affordable-refinance-and-modification-update#comments</comments>
		<pubDate>Tue, 31 Mar 2009 12:41:45 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1203</guid>
		<description><![CDATA[If you've been trying to contact your lender about refinancing or modifying your mortgage through President Obama's new plans, you've likely been frustrated.  Few, if any, servicers have finalized their plans or trained their loss mitigators or how they're going to handle the new plans.

And according to the Association of Community Organizations for Reform Now (ACORN) and a study they just finished, "76 percent of outstanding mortgage loans are serviced by companies who have committed to implementing the plans".  But what's that mean for you and your mortgage?

Come read the rest of this article to find out...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/home-affordable-refinance-and-modification-update/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Mac Allows Homeowners to Stay After Foreclosure</title>
		<link>http://www.truthinforeclosure.com/freddie-mac-allows-homeowners-to-stay-after-foreclosure</link>
		<comments>http://www.truthinforeclosure.com/freddie-mac-allows-homeowners-to-stay-after-foreclosure#comments</comments>
		<pubDate>Tue, 10 Mar 2009 17:01:32 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[rental home]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1167</guid>
		<description><![CDATA[Freddie Mac announced the official launch of its new REO Rental Initiative giving qualified tenants and former owners the option to lease their recently foreclosed properties on a month-to-month basis.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/freddie-mac-allows-homeowners-to-stay-after-foreclosure/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>President Obama&#8217;s Making Home Affordable Refinance</title>
		<link>http://www.truthinforeclosure.com/president-obamas-making-home-affordable-refinance</link>
		<comments>http://www.truthinforeclosure.com/president-obamas-making-home-affordable-refinance#comments</comments>
		<pubDate>Mon, 09 Mar 2009 21:51:08 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1172</guid>
		<description><![CDATA[Here's the post you've been waiting on about President Obama's Making Home Affordable Refinancing program.  If you owe less than 105% of what your property's worth, you probably qualify, but there are several things you should be aware of.  For instance...this post tells how to figure out if your loan is held by Fannie Mae or Freddie Mac and how to start the refinancing process with this program.  If you have questions, please ask as a comment...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/president-obamas-making-home-affordable-refinance/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>President Obama&#8217;s Home Affordable Loan Modification</title>
		<link>http://www.truthinforeclosure.com/president-obamas-home-affordable-loan-modification</link>
		<comments>http://www.truthinforeclosure.com/president-obamas-home-affordable-loan-modification#comments</comments>
		<pubDate>Thu, 05 Mar 2009 11:12:16 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan process]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1143</guid>
		<description><![CDATA[This took a little longer than I wanted it to, but I wanted to be as thorough as possible for you.  I'll start with the loan modification part of the President's plan first since I know that's what most of you want to know about.  Come and read about the qualifications, the process, and the lack of principal reductions.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/president-obamas-home-affordable-loan-modification/feed</wfw:commentRss>
		<slash:comments>147</slash:comments>
		</item>
		<item>
		<title>More Lenders Join the Moratorium Bandwagon</title>
		<link>http://www.truthinforeclosure.com/more-lenders-join-the-moratorium-bandwagon</link>
		<comments>http://www.truthinforeclosure.com/more-lenders-join-the-moratorium-bandwagon#comments</comments>
		<pubDate>Sat, 14 Feb 2009 13:20:49 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[citigroup]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[jp morgan]]></category>
		<category><![CDATA[lenders]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1073</guid>
		<description><![CDATA[More lenders are agreeing to suspend the foreclosure process to wait on the Treasury Department's new Financial Stability Plan.  Most are agreeing to suspend it for 3 weeks...come see if your lender is on board as well as my prediction about what to expect.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/more-lenders-join-the-moratorium-bandwagon/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lawmakers Get Foreclosure Suspension Commitments</title>
		<link>http://www.truthinforeclosure.com/lawmakers-get-foreclosure-suspension-commitments</link>
		<comments>http://www.truthinforeclosure.com/lawmakers-get-foreclosure-suspension-commitments#comments</comments>
		<pubDate>Fri, 13 Feb 2009 15:37:47 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[citigroup]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[ING]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1067</guid>
		<description><![CDATA[The presidents of several of the country's largest lenders agreed to suspend foreclosure actions yesterday in a hearing before Congress.  If you have a foreclosure sale date, you should contact your lender and see if they're following suit.  Representative Barney Frank, Chairman of the House Financial Services Committee, says he expects about 95% of lenders to do the same until....]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/lawmakers-get-foreclosure-suspension-commitments/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Are banks too greedy?</title>
		<link>http://www.truthinforeclosure.com/are-banks-too-greedy</link>
		<comments>http://www.truthinforeclosure.com/are-banks-too-greedy#comments</comments>
		<pubDate>Wed, 11 Feb 2009 11:45:26 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[security instruments]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1064</guid>
		<description><![CDATA[There’s been a lot of finger pointing about who’s to blame for the fall in housing prices and, by proxy, the economic slump the country is in right now. Was it lack of government regulation?  Was it greedy mortgage brokers?  Irresponsible lenders?  Mortgage investors?  Or was it us…the American homeowner?
According to Zillow and other sources, 1 in 6 homes in America that have mortgages are in default.  That’s about 18%...and way too many for one thing to be the cause.  So was it the ‘perfect storm’ that got us here?  Fact is we're all greedy...that's the problem...and the solution...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/are-banks-too-greedy/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Foreclosure Rates Don&#8217;t Matter</title>
		<link>http://www.truthinforeclosure.com/foreclosure-rates-dont-matter</link>
		<comments>http://www.truthinforeclosure.com/foreclosure-rates-dont-matter#comments</comments>
		<pubDate>Sat, 17 Jan 2009 02:51:27 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=986</guid>
		<description><![CDATA[You've probably seen the statistic released yesterday by RealtyTrac that says foreclosure filings were up 81% in 2008 vs 2007.  The article went on to say that if you translate that into numbers of houses affected, 1 in every 54 homes in the country had received at least one foreclosure notice in 2008.  However, according to the Dallas Morning News, Dallas-Fort Worth foreclosure filings in December were 8% lower than in December 2007.  I would argue that both of these figures are irrelevant to you, though (even if you live in the Dallas area).  See why and what you should do about it by reading the rest of this post...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/foreclosure-rates-dont-matter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good News for Renters</title>
		<link>http://www.truthinforeclosure.com/good-news-for-renters</link>
		<comments>http://www.truthinforeclosure.com/good-news-for-renters#comments</comments>
		<pubDate>Mon, 22 Dec 2008 13:12:28 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[rental home]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=713</guid>
		<description><![CDATA[If you're renting a home that's going through foreclosure, Fannie Mae announced that they a working on a program for you. In the near future, they will not force you to move out of the home even if the foreclosure completes and the person you're renting the home from loses it.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/good-news-for-renters/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

