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	<title>Truth in Foreclosure &#187; Loan Modification</title>
	<atom:link href="http://www.truthinforeclosure.com/category/keep-my-home/loan-modification-keep-my-home/feed" rel="self" type="application/rss+xml" />
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			<item>
		<title>Plenty of Loopholes in New HAMP Writedown Plan</title>
		<link>http://www.truthinforeclosure.com/plenty-of-loopholes-in-new-hamp-writedown-plan</link>
		<comments>http://www.truthinforeclosure.com/plenty-of-loopholes-in-new-hamp-writedown-plan#comments</comments>
		<pubDate>Tue, 30 Mar 2010 11:54:35 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[Principle Writedown]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1850</guid>
		<description><![CDATA[If you’re more than 15% underwater on your mortgage and are eligible for HAMP, you could benefit from changes that will hopefully motivate lenders to writedown more principal in more cases. The changes will require all servicers to consider an alternative modification approach which includes writedown of some principal for loans that are over 115 percent of the current value of the property (LTV).]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/plenty-of-loopholes-in-new-hamp-writedown-plan/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>5.66 Percent of Eligible Mods Go Permanent</title>
		<link>http://www.truthinforeclosure.com/5-66-percent-of-eligible-mods-go-permanent</link>
		<comments>http://www.truthinforeclosure.com/5-66-percent-of-eligible-mods-go-permanent#comments</comments>
		<pubDate>Thu, 25 Mar 2010 12:04:09 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[citigroup]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[emc]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></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[ING]]></category>
		<category><![CDATA[jp morgan]]></category>
		<category><![CDATA[wamu]]></category>
		<category><![CDATA[washington mutual]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1841</guid>
		<description><![CDATA[5.66% of eligible mods were permanent in January according to the Treasury Dapartment.  GMAC leads the pack at over 19% and Wachovia is in last place according with 1.39%.  Check out how your lender is doing...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/5-66-percent-of-eligible-mods-go-permanent/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Fatal HAMP Flaws &#8211; Why Servicers Won&#8217;t Modify Your Mortgage</title>
		<link>http://www.truthinforeclosure.com/7-fatal-hamp-flaws-why-servicers-wont-modify-your-mortgage</link>
		<comments>http://www.truthinforeclosure.com/7-fatal-hamp-flaws-why-servicers-wont-modify-your-mortgage#comments</comments>
		<pubDate>Mon, 22 Mar 2010 11:45:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1830</guid>
		<description><![CDATA[If you’ve been struggling with your lender to get a Home Affordable Loan Modification, the fact that a measly 5% of ‘eligible’ homeowners (170,000 to be exact) have actually entered into a long term modification plan with their lender won’t come as surprise.  It’s likely that your effort has drug on for months or, worse, you’ve been denied one or more times just to be told to reapply.  Why is this?  Well, as it turns out and we’ve reported before, there are actually 7 major flaws with HAMP that put its success in jeopardy and act as disincentives to lenders and servicers.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/7-fatal-hamp-flaws-why-servicers-wont-modify-your-mortgage/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Standard Second Mortgage Modification Process</title>
		<link>http://www.truthinforeclosure.com/the-standard-second-mortgage-modification-process</link>
		<comments>http://www.truthinforeclosure.com/the-standard-second-mortgage-modification-process#comments</comments>
		<pubDate>Fri, 12 Mar 2010 11:37:52 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[2MP]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1816</guid>
		<description><![CDATA[Ever wondered how your lender decides how to modify your second mortgage in a HAMP modification?  It's complicated and intricate, but we pulled this step-by-step guide off their administration website for your reference.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/the-standard-second-mortgage-modification-process/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAMP for 2nd Mortgages</title>
		<link>http://www.truthinforeclosure.com/hamp-for-2nd-mortgages</link>
		<comments>http://www.truthinforeclosure.com/hamp-for-2nd-mortgages#comments</comments>
		<pubDate>Thu, 11 Mar 2010 11:46:19 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[2MP]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1808</guid>
		<description><![CDATA[Under 2MP, when your first lien is modified under HAMP and the servicer of the second lien is a 2MP participant, that servicer must offer either to modify your second lien or agree to extinguish it.  Come see if your second mortgage is eligible.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hamp-for-2nd-mortgages/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>HAMP Trial Plan Fraud: What Can You Do?</title>
		<link>http://www.truthinforeclosure.com/hamp-trial-plan-fraud-what-can-you-do</link>
		<comments>http://www.truthinforeclosure.com/hamp-trial-plan-fraud-what-can-you-do#comments</comments>
		<pubDate>Tue, 09 Mar 2010 12:00:26 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[state laws]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1793</guid>
		<description><![CDATA[Have you been offered a trial plan from your lender through HAMP? Did you complete all your trial plan payments but now your lender isn’t doing what you thought they agreed to do?  What options do you have? Can you make them perform?]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hamp-trial-plan-fraud-what-can-you-do/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>President Obama Considering National Foreclosure Ban</title>
		<link>http://www.truthinforeclosure.com/president-obama-considering-national-foreclosure-ban</link>
		<comments>http://www.truthinforeclosure.com/president-obama-considering-national-foreclosure-ban#comments</comments>
		<pubDate>Mon, 01 Mar 2010 11:44:22 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1765</guid>
		<description><![CDATA[President Obama and his administration are floating an idea to prohibit lenders from foreclosing on a home unless the borrower has been considered for the government’s Home Affordable Modification Program (HAMP)...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/president-obama-considering-national-foreclosure-ban/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your To-Do List for a Permanent Mortgage Modification</title>
		<link>http://www.truthinforeclosure.com/your-to-do-list-for-a-permanent-mortgage-modification</link>
		<comments>http://www.truthinforeclosure.com/your-to-do-list-for-a-permanent-mortgage-modification#comments</comments>
		<pubDate>Fri, 26 Feb 2010 12:02:40 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1756</guid>
		<description><![CDATA[The Making Home Affordable people just released a video about what steps you need to take to obtain a permanent mortgage modification.  Come watch it and share your thoughts!  We've also included direct links to some of the most important and relevant resources we've found.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/your-to-do-list-for-a-permanent-mortgage-modification/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You&#8217;ve Been Turned Down for HAMP&#8230;Now What?</title>
		<link>http://www.truthinforeclosure.com/turned-down-for-hamp-now-what</link>
		<comments>http://www.truthinforeclosure.com/turned-down-for-hamp-now-what#comments</comments>
		<pubDate>Wed, 17 Feb 2010 11:58:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1735</guid>
		<description><![CDATA[I’ve been hearing from a lot of people lately that have been turned down for for a Home Affordable Modification Program mod.  The reasons vary and some lenders won’t even give reasons.  But did you know you can ask your lender to reconsider your modification request?  And in some circumstances they’re actually required by law to reconsider your application.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/turned-down-for-hamp-now-what/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Will You Qualify for a Loan Mod?</title>
		<link>http://www.truthinforeclosure.com/will-you-qualify-for-a-loan-mod</link>
		<comments>http://www.truthinforeclosure.com/will-you-qualify-for-a-loan-mod#comments</comments>
		<pubDate>Mon, 15 Feb 2010 11:43:31 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1729</guid>
		<description><![CDATA[When you’re beginning your research into whether or not your loan can be modified, it’s very hard to get anyone to let you inside the numbers at the bank.  But without out some help, you could waste a bunch of time and energy…and your family’s hope…trying to secure a modification you’ll never get.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/will-you-qualify-for-a-loan-mod/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAMP Switches Gears&#8230;Away from Mods to &#8220;Avoiding Foreclosure&#8221;</title>
		<link>http://www.truthinforeclosure.com/hamp-switches-gearsaway-from-mods-to-avoiding-foreclosure</link>
		<comments>http://www.truthinforeclosure.com/hamp-switches-gearsaway-from-mods-to-avoiding-foreclosure#comments</comments>
		<pubDate>Thu, 11 Feb 2010 11:56:46 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1723</guid>
		<description><![CDATA[According to the Obama Administration, HAMP's not about modifying loans!  They're more concerned with helping homeowners "avoid foreclosure."  With a paltry 66,000 loans permanently modified through the end of December, it sounds like the administration is pulling a bait and switch...and it may cost you your home...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hamp-switches-gearsaway-from-mods-to-avoiding-foreclosure/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Changes to How Fannie Mae Determines Imminent Default</title>
		<link>http://www.truthinforeclosure.com/changes-to-how-fannie-mae-determines-imminent-default</link>
		<comments>http://www.truthinforeclosure.com/changes-to-how-fannie-mae-determines-imminent-default#comments</comments>
		<pubDate>Mon, 08 Feb 2010 11:14:27 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1720</guid>
		<description><![CDATA[If your mortgage is held or serviced by Fannie Mae, whether or not you’re considered in danger of  imminent default may be up for reconsideration..which may be good or bad....come see why...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/changes-to-how-fannie-mae-determines-imminent-default/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Net Present Value and Why It Matters to You</title>
		<link>http://www.truthinforeclosure.com/net-present-value-and-why-it-matters-to-you</link>
		<comments>http://www.truthinforeclosure.com/net-present-value-and-why-it-matters-to-you#comments</comments>
		<pubDate>Fri, 29 Jan 2010 11:46:39 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1717</guid>
		<description><![CDATA[The Obama administration’s Making Home Affordable program requires that a modification be made when the net present value test is passed. Most servicers should be using net present value calculations to determine whether or not to offer a loan modification to homeowners in default.  Today's article tells you what net present value is and why it matters...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/net-present-value-and-why-it-matters-to-you/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Servicers Make More by Foreclosing than Modifying</title>
		<link>http://www.truthinforeclosure.com/servicers-make-more-by-foreclosure-than-loan-modificatio</link>
		<comments>http://www.truthinforeclosure.com/servicers-make-more-by-foreclosure-than-loan-modificatio#comments</comments>
		<pubDate>Thu, 28 Jan 2010 12:05:06 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1714</guid>
		<description><![CDATA[Foreclosures are a costly ordeal for the homeowner, the lender, and the community. Yet they continue to outstrip loan modifications because servicers have no incentive to help borrowers stay in their homes.  Come read more and download the free 60 page special report...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/servicers-make-more-by-foreclosure-than-loan-modificatio/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAMP – Temporary Review Period for Active Trial Modifications Scheduled to Expire on or before January 31, 2010</title>
		<link>http://www.truthinforeclosure.com/hamp-temporary-review-period</link>
		<comments>http://www.truthinforeclosure.com/hamp-temporary-review-period#comments</comments>
		<pubDate>Wed, 06 Jan 2010 11:03:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<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[loss mitigation]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1650</guid>
		<description><![CDATA[Effective December 23, 2009 and lasting through January 31, 2010, Treasury is implementing a review period for all active HAMP trial modifications scheduled to expire on or before January 31, 2010.  Servicers may not cancel an active HAMP trial modification during this period for any reason other than failure to meet the HAMP property eligibility requirements.  If you're in a HAMP trial period or have been kicked out of yours, you MUST read this post NOW!!!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hamp-temporary-review-period/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Monsters, Mortgages &amp; Making Sense of it All</title>
		<link>http://www.truthinforeclosure.com/monsters-mortgages-making-sense-of-it-all</link>
		<comments>http://www.truthinforeclosure.com/monsters-mortgages-making-sense-of-it-all#comments</comments>
		<pubDate>Wed, 30 Dec 2009 10:54:55 +0000</pubDate>
		<dc:creator>lalayu</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1614</guid>
		<description><![CDATA[Someone asked me the other day in a message…. “and what has happened since your last post?”  I realized that I had shared bits and pieces of the developments of our mortgage, without really going into detail.  Come and read how the story of LaylaU's HAMP modification turned out and get some inspiration for your own journey/struggle.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/monsters-mortgages-making-sense-of-it-all/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Modification Conversion Drive &#8211; Part 2</title>
		<link>http://www.truthinforeclosure.com/mortgage-modification-conversion-drive-part-2</link>
		<comments>http://www.truthinforeclosure.com/mortgage-modification-conversion-drive-part-2#comments</comments>
		<pubDate>Mon, 28 Dec 2009 11:09:51 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1637</guid>
		<description><![CDATA[The new Obama Mortgage Modification Conversion Drive includes more servicer accountability, web-based tools for borrowers, and engagement of local and state agencies; but will it be any better for borrowers in the end?]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/mortgage-modification-conversion-drive-part-2/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Obama administration Kicks off Mortgage Modification Conversion Drive</title>
		<link>http://www.truthinforeclosure.com/obama-administration-kicks-off-mortgage-modification-conversion-drive</link>
		<comments>http://www.truthinforeclosure.com/obama-administration-kicks-off-mortgage-modification-conversion-drive#comments</comments>
		<pubDate>Sat, 26 Dec 2009 10:52:38 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1631</guid>
		<description><![CDATA[The U.S. Department of the Treasury and Department of Housing and Urban Development (HUD) kicked off a nationwide campaign to help borrowers who are currently in the trial phase of their modified mortgages under the Obama Administration's Home Affordable Modification Program (HAMP) convert to permanent modifications.  Come to the site to see what it means for you and your modification.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/obama-administration-kicks-off-mortgage-modification-conversion-drive/feed</wfw:commentRss>
		<slash:comments>1</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>Treasury Issues Mortgage Loan Report Card</title>
		<link>http://www.truthinforeclosure.com/treasury-issues-mortgage-loan-report-card</link>
		<comments>http://www.truthinforeclosure.com/treasury-issues-mortgage-loan-report-card#comments</comments>
		<pubDate>Wed, 05 Aug 2009 11:12:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1564</guid>
		<description><![CDATA[The Treasury Department releases its first monthly "report card" tracking how the various banks and mortgage companies are doing in their efforts to prevent foreclosures. The Obama administration is pressuring the mortgage industry to do more. The latest figures indicate foreclosure rates keep rising.  Come listen to the NPR report and then chime in with your experience.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/treasury-issues-mortgage-loan-report-card/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
<enclosure url="http://www.truthinforeclosure.com/media/audio/NPRstory.mp3" length="2008839" type="audio/mpeg" />
		</item>
		<item>
		<title>Home Affordable Mods Come to FHA</title>
		<link>http://www.truthinforeclosure.com/home-affordable-mods-come-to-fha</link>
		<comments>http://www.truthinforeclosure.com/home-affordable-mods-come-to-fha#comments</comments>
		<pubDate>Tue, 04 Aug 2009 11:15:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1557</guid>
		<description><![CDATA[Do you have a FHA mortgage on your home and wish you could participate in the Home Affordable Loan Modification program?  Up until now, you couldn’t…but that’s changed!

Come see how as well as why it's a blessing in disguise!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/home-affordable-mods-come-to-fha/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Will Freddie Mac’s New Effort Help You?</title>
		<link>http://www.truthinforeclosure.com/freddie-mac-stewarrt-lender-services</link>
		<comments>http://www.truthinforeclosure.com/freddie-mac-stewarrt-lender-services#comments</comments>
		<pubDate>Mon, 03 Aug 2009 11:18:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1554</guid>
		<description><![CDATA[Regardless of whether or not you have a Freddie Mac loan you’re trying to get modified, you know servicers are way understaffed to effectively help the tens of thousands of homeowners they hear from every week.  Everyone knows the servicers need more help…and now Freddie Mac is doing something to address the problem.  Come to the site to see what it means for you...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/freddie-mac-stewarrt-lender-services/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Imminent Default – An Example</title>
		<link>http://www.truthinforeclosure.com/imminent-default-an-example</link>
		<comments>http://www.truthinforeclosure.com/imminent-default-an-example#comments</comments>
		<pubDate>Fri, 26 Jun 2009 10:55:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1534</guid>
		<description><![CDATA[This is a follow-up to our article on determining imminent default for a Home Affordable Modification, which lists the Freddie Mac guidelines for these calculations.  If you were confused by the legalese of that article, this case study may ehelp you figure out whether your lender will consider you in danger of imminent default or not.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/imminent-default-an-example/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Determine Imminent Default – Home Affordable Modifications</title>
		<link>http://www.truthinforeclosure.com/determining-imminent-default-home-affordable-modifications</link>
		<comments>http://www.truthinforeclosure.com/determining-imminent-default-home-affordable-modifications#comments</comments>
		<pubDate>Mon, 22 Jun 2009 04:30:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1530</guid>
		<description><![CDATA[According to President Obama's Home Affordable Modification Program, missing payments isn't a requirement for you to qualify.  As a matter of fact, one of the stated goals is to reach homeowners who are in danger of "imminent deafult."  One of the problems, though, is that no one has been talking about what that actually means.  For today's article, I went straight to the source...Freddie Mac...and got the answer.  Now you'll know exactly how to figure out if you're in danger of imminent default from your servicer's perspective and what to do if they say you aren't.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/determining-imminent-default-home-affordable-modifications/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
	</channel>
</rss>

