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	<title>Truth in Foreclosure &#187; Refinance</title>
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		<title>FHA Will Now Do a Short Refi &#8212; If You Haven&#8217;t Missed Payments</title>
		<link>http://www.truthinforeclosure.com/fha-short-refi</link>
		<comments>http://www.truthinforeclosure.com/fha-short-refi#comments</comments>
		<pubDate>Wed, 31 Mar 2010 11:17:35 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Principle Writedown]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1855</guid>
		<description><![CDATA[The Federal Housing Administration (FHA) is making some changes to its existing refinancing program guidelines to allow more lenders to perform mortgage principal write-downs for underwater homeowners in mortgages not currently insured by FHA.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/fha-short-refi/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>NACA – Home Save Program</title>
		<link>http://www.truthinforeclosure.com/naca-%e2%80%93-home-save-program</link>
		<comments>http://www.truthinforeclosure.com/naca-%e2%80%93-home-save-program#comments</comments>
		<pubDate>Wed, 24 Jun 2009 11:26:42 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[forbearance]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1521</guid>
		<description><![CDATA[As a follow-up to last week’s article introducing you to NACA, I decided to let you know about one of their programs aimed at helping people going through foreclosure.  NACA’s Home Save Program provides four long-term solutions.  All of the below solutions provide for an affordable mortgage payment over the long-term. In fact the Restructuring sometimes lowers the fixed interest rate to less than a NACA Refinance. As opposed to the refinance, a Restructure is...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/naca-%e2%80%93-home-save-program/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Too Good to Be True?</title>
		<link>http://www.truthinforeclosure.com/naca-non-profit-foreclosure-help</link>
		<comments>http://www.truthinforeclosure.com/naca-non-profit-foreclosure-help#comments</comments>
		<pubDate>Fri, 19 Jun 2009 11:29:00 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[NACA]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/naca-non-profit-foreclosure-help</guid>
		<description><![CDATA[Have you been looking for a trustworthy non-profit organization to help you out of foreclosure or save your home?  We’ve been looking too…and this is what we found.  An organization that offers low-interest home purchase and refinance loans to "high risk" borrowers.  They have an amazing track record of successful advocacy against predatory and discriminatory lenders.</p>
It sounds too good to be true…but rest assured it isn’t.  They’ve been around since 1988!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/naca-non-profit-foreclosure-help/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Hope for Homeowners Equity Sharing</title>
		<link>http://www.truthinforeclosure.com/hope-for-homeowners-equity-sharing</link>
		<comments>http://www.truthinforeclosure.com/hope-for-homeowners-equity-sharing#comments</comments>
		<pubDate>Wed, 10 Jun 2009 11:26:15 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Hope 4 Homeowners]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1440</guid>
		<description><![CDATA[If your lender agrees to work with you and refinances you through the HOPE for Homeowners program, you must share both the equity they initially create as well as any price appreciation that comes from selling.  See what this means to you with actual examples...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hope-for-homeowners-equity-sharing/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>HOPE for Homeowners Changes</title>
		<link>http://www.truthinforeclosure.com/hope-for-homeowners-changes</link>
		<comments>http://www.truthinforeclosure.com/hope-for-homeowners-changes#comments</comments>
		<pubDate>Mon, 08 Jun 2009 11:28:58 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Hope 4 Homeowners]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1419</guid>
		<description><![CDATA[On May 20, 2009, President Obama signed Senate bill 896 into law.  It has many provisions meant to help stem foreclosures and deal with several problems that have developed since the HOPE for Homeowners, Home Affordable Refinances, and Home Affordable Modifications have been implemented.</p>
Your new H4H mortgage will be no more than 90% of the new appraised value of your home with the lender essentially writing down your current mortgage to that amount.  Yes...this is one of the few programs that actually allows principal forgiveness.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hope-for-homeowners-changes/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Lenders for Home Affordable Modification and Refinance</title>
		<link>http://www.truthinforeclosure.com/lenders-for-home-affordable-modification-and-refinance</link>
		<comments>http://www.truthinforeclosure.com/lenders-for-home-affordable-modification-and-refinance#comments</comments>
		<pubDate>Wed, 20 May 2009 11:55:11 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1358</guid>
		<description><![CDATA[Here's the latest list of lenders that have signed agreements with the Treasury Department to process loan modifications and refinances through the Home Affordable program.  Check to see if your is one...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/lenders-for-home-affordable-modification-and-refinance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Relief Online</title>
		<link>http://www.truthinforeclosure.com/mortgage-relief-online</link>
		<comments>http://www.truthinforeclosure.com/mortgage-relief-online#comments</comments>
		<pubDate>Tue, 12 May 2009 02:12:01 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Refinance]]></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=1314</guid>
		<description><![CDATA[Trying to figure out whether you qualify for a Home Affordable Loan Modification or Refinance?  You're obviously not alone...we've get getting tons of questions about it on many of our blog posts.  While we've been doing our best to give you the qualifications for the programs, we've unfortunately been unable to provide information specific to your situation.  But a project called Mortgage Relief Online can now do that!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/mortgage-relief-online/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Home Affordable Refinances Start at B of A</title>
		<link>http://www.truthinforeclosure.com/home-affordable-refinances-start-at-b-of-a</link>
		<comments>http://www.truthinforeclosure.com/home-affordable-refinances-start-at-b-of-a#comments</comments>
		<pubDate>Mon, 13 Apr 2009 11:58:46 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1277</guid>
		<description><![CDATA[As we wrote a couple weeks ago, most lenders haven't started processing Home Affordable Refinance or Home Affordable Loan Modification packages yet.  Well that's beginning to change...finally!</p>

Bank of America announced yesterday that they have begun accepting refinancing applications under the program.  Come find out what this means for you...even if your loan isn't serviced by Bank of America or Countrywide.</p>

If you're waiting on a Home Affordable modification rather than a refinance, there's big news in the article for you too...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/home-affordable-refinances-start-at-b-of-a/feed</wfw:commentRss>
		<slash:comments>0</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>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>Refinancing Options for Upside Down Mortgages</title>
		<link>http://www.truthinforeclosure.com/refinancing-options-for-upside-down-mortgages</link>
		<comments>http://www.truthinforeclosure.com/refinancing-options-for-upside-down-mortgages#comments</comments>
		<pubDate>Wed, 28 Jan 2009 14:00:07 +0000</pubDate>
		<dc:creator>Brent Lane</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Hope 4 Homeowners]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1020</guid>
		<description><![CDATA[Until the Hope for Homeowners program was announced, most homeowners that were upside down on their mortgage had no realistic way to refinance their home.  Even if they still had good credit and had no hardship, they couldn't afford to bring tens of thousands of dollars to the closing table.  Hope for Homeowners is designed for any homeowner whos wants to refinance their existing upside down mortgage(s).  Of course there are strict guidelines to follow...read more at the site]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/refinancing-options-for-upside-down-mortgages/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short Refinance or Modify Jumbo Loans?</title>
		<link>http://www.truthinforeclosure.com/short-refinance-or-modify-jumbo-loans</link>
		<comments>http://www.truthinforeclosure.com/short-refinance-or-modify-jumbo-loans#comments</comments>
		<pubDate>Wed, 31 Dec 2008 05:30:55 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[high cost homes]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=731</guid>
		<description><![CDATA[If you have an expensive home that has fallen in value and you're near or in foreclosure, you have some tough choices to make.  Is a short refinance or a loan modification right for you?  Our mortgage expert from California explains the difference and which is better...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/short-refinance-or-modify-jumbo-loans/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
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