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	<title>Consolidate Debt</title>
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	<link>http://www.consolidatedebtz.com</link>
	<description>Consolidate Debt from Loans and Mortgages</description>
	<lastBuildDate>Fri, 04 May 2012 18:35:04 +0000</lastBuildDate>
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		<title>FHA Mortgage Insurance Premium Changes 2012</title>
		<link>http://www.consolidatedebtz.com/fha-mortgage-insurance-premium-changes-2012</link>
		<comments>http://www.consolidatedebtz.com/fha-mortgage-insurance-premium-changes-2012#comments</comments>
		<pubDate>Fri, 04 May 2012 18:35:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[annual]]></category>
		<category><![CDATA[annual-mortgage]]></category>
		<category><![CDATA[chart]]></category>
		<category><![CDATA[decreased]]></category>
		<category><![CDATA[for originators]]></category>
		<category><![CDATA[increases]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance-premium]]></category>
		<category><![CDATA[mortgage programs]]></category>
		<category><![CDATA[mortgagee]]></category>
		<category><![CDATA[mortgagee-letter]]></category>
		<category><![CDATA[upfront]]></category>

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		<description><![CDATA[Up Front and Annual Mortgage Insurance Premium (UFMIP and annual MIP) Increases for all FHA Loan transactions and Decreased for Certain Streamline transactions. As announced March 6th, 2012 in Mortgagee Letter 12-4 and illustrated in the chart below. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What’s with All the HUD Emails?</title>
		<link>http://www.consolidatedebtz.com/what%e2%80%99s-with-all-the-hud-emails</link>
		<comments>http://www.consolidatedebtz.com/what%e2%80%99s-with-all-the-hud-emails#comments</comments>
		<pubDate>Tue, 10 Apr 2012 18:47:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[currentcy]]></category>
		<category><![CDATA[fannie]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[freddie]]></category>
		<category><![CDATA[happening-at-fha]]></category>
		<category><![CDATA[harp 2.0]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[karen-deis]]></category>
		<category><![CDATA[mortgagee]]></category>
		<category><![CDATA[points]]></category>
		<category><![CDATA[the-mortgagee]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/what%e2%80%99s-with-all-the-hud-emails</guid>
		<description><![CDATA[What’s With All the HUD Emails? Karen Deis, Publisher, www.MortgageCurrentcy.com I don’t know what’s happening at FHA lately, but they seem to be back-pedaling A LOT lately, and worse yet, modifying some of the mortgagee letters by sending an “email” instead of a “formal notice.” Here are a couple of things HUD has updated that ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/what%e2%80%99s-with-all-the-hud-emails/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mastermind 2012 – Las Vegas June 6 through 8</title>
		<link>http://www.consolidatedebtz.com/mastermind-2012-%e2%80%93-las-vegas-june-6-through-8</link>
		<comments>http://www.consolidatedebtz.com/mastermind-2012-%e2%80%93-las-vegas-june-6-through-8#comments</comments>
		<pubDate>Mon, 19 Mar 2012 14:43:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[all-together]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[critical]]></category>
		<category><![CDATA[critical-money]]></category>
		<category><![CDATA[industry]]></category>
		<category><![CDATA[making]]></category>
		<category><![CDATA[making-skills]]></category>
		<category><![CDATA[palms]]></category>
		<category><![CDATA[palms-hotel]]></category>
		<category><![CDATA[profitable]]></category>
		<category><![CDATA[the-first]]></category>
		<category><![CDATA[the-same]]></category>
		<category><![CDATA[year]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/mastermind-2012-%e2%80%93-las-vegas-june-6-through-8</guid>
		<description><![CDATA[Learn the Critical Money Making Skills You Need To Build a Profitable Mortgage Business! Join us at The Palms Hotel • Las Vegas • June 6 – 7, 2012 This is THE mortgage event of the year. Mastermind 2012 is bringing the industry’s top speakers all together on the same stage for the first time ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/mastermind-2012-%e2%80%93-las-vegas-june-6-through-8/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the FTC means by “Commercial Communications” For Mortgage Lenders &amp; Real Estate Agents</title>
		<link>http://www.consolidatedebtz.com/what-the-ftc-means-by-%e2%80%9ccommercial-communications%e2%80%9d-for-mortgage-lenders-real-estate-agents</link>
		<comments>http://www.consolidatedebtz.com/what-the-ftc-means-by-%e2%80%9ccommercial-communications%e2%80%9d-for-mortgage-lenders-real-estate-agents#comments</comments>
		<pubDate>Mon, 05 Mar 2012 18:45:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[for originators]]></category>
		<category><![CDATA[large-part]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[people-know]]></category>
		<category><![CDATA[practices-rules]]></category>
		<category><![CDATA[rule]]></category>
		<category><![CDATA[the-biggie]]></category>
		<category><![CDATA[the-various]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/what-the-ftc-means-by-%e2%80%9ccommercial-communications%e2%80%9d-for-mortgage-lenders-real-estate-agents</guid>
		<description><![CDATA[The Mortgage Acts &#038; Practices Rules have been in effect since August 19, 20111—so it’s been around for a while buy not many people know about it…YET! A large part of the rule explains “definitions” and what they mean.  And the biggie here is the Fed’s definition of “commercial communications”—or the various ways real estate ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/what-the-ftc-means-by-%e2%80%9ccommercial-communications%e2%80%9d-for-mortgage-lenders-real-estate-agents/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NAR 2001 Home Buyer Survey Results – First Time Home Buyer Statistics</title>
		<link>http://www.consolidatedebtz.com/nar-2001-home-buyer-survey-results-%e2%80%93-first-time-home-buyer-statistics</link>
		<comments>http://www.consolidatedebtz.com/nar-2001-home-buyer-survey-results-%e2%80%93-first-time-home-buyer-statistics#comments</comments>
		<pubDate>Fri, 24 Feb 2012 22:16:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[association]]></category>
		<category><![CDATA[been-released]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[buyer-survey]]></category>
		<category><![CDATA[info]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[realtors]]></category>
		<category><![CDATA[results]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[time]]></category>
		<category><![CDATA[your-marketing]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/nar-2001-home-buyer-survey-results-%e2%80%93-first-time-home-buyer-statistics</guid>
		<description><![CDATA[National Association of Realtors® 2011 Home Buyer Survey Results – First-Time Home Buyer Statistics. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/nar-2001-home-buyer-survey-results-%e2%80%93-first-time-home-buyer-statistics/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You One of the 19 States?  USDA Refi Pilot Program!</title>
		<link>http://www.consolidatedebtz.com/are-you-one-of-the-19-states-usda-refi-pilot-program</link>
		<comments>http://www.consolidatedebtz.com/are-you-one-of-the-19-states-usda-refi-pilot-program#comments</comments>
		<pubDate>Mon, 13 Feb 2012 20:01:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[made-on-time]]></category>
		<category><![CDATA[months-mortgage]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[new-refinance]]></category>
		<category><![CDATA[payments-must]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/are-you-one-of-the-19-states-usda-refi-pilot-program</guid>
		<description><![CDATA[USDA (only post this if you do USDA loans in one of these 19 states). Good news]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/are-you-one-of-the-19-states-usda-refi-pilot-program/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VA Loans Still Safest Product on the Market</title>
		<link>http://www.consolidatedebtz.com/va-loans-still-safest-product-on-the-market</link>
		<comments>http://www.consolidatedebtz.com/va-loans-still-safest-product-on-the-market#comments</comments>
		<pubDate>Fri, 03 Feb 2012 20:41:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[agency-backed]]></category>
		<category><![CDATA[continued]]></category>
		<category><![CDATA[department]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage programs]]></category>
		<category><![CDATA[news-release]]></category>
		<category><![CDATA[serious delinquency]]></category>
		<category><![CDATA[week]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/va-loans-still-safest-product-on-the-market</guid>
		<description><![CDATA[The Department of Veterans Affairs issued a news release this week trumpeting the continued growth of the VA Loan Guaranty program. The agency backed just under 360,000 loans last year, a 14-percent increase from FY10 and a whopping 168-percent increase since FY07. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/va-loans-still-safest-product-on-the-market/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free H.A.R.P 2.0 Class – All Hype? Or a Big Help?</title>
		<link>http://www.consolidatedebtz.com/free-h-a-r-p-2-0-class-%e2%80%93-all-hype-or-a-big-help</link>
		<comments>http://www.consolidatedebtz.com/free-h-a-r-p-2-0-class-%e2%80%93-all-hype-or-a-big-help#comments</comments>
		<pubDate>Fri, 27 Jan 2012 19:36:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[freddie]]></category>
		<category><![CDATA[free-class]]></category>
		<category><![CDATA[harp]]></category>
		<category><![CDATA[officers]]></category>
		<category><![CDATA[overview]]></category>
		<category><![CDATA[questions-on-www]]></category>
		<category><![CDATA[things]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/free-h-a-r-p-2-0-class-%e2%80%93-all-hype-or-a-big-help</guid>
		<description><![CDATA[So, I asked a bunch of Loan Officers to post their HARP questions on www.facebook.com/mortgagecurrencty and there were so many, that I ended up doing a free class with a HARP expert&#8211;who has first-hand street creds because he also originates these types of loans.  Here&#8217;s a few of the things that you&#8217;ll learn&#8221; Overview of ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/free-h-a-r-p-2-0-class-%e2%80%93-all-hype-or-a-big-help/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HARP 2.0 Program – Underwater Homeowner’s in Atlanta Get RELIEF!</title>
		<link>http://www.consolidatedebtz.com/harp-2-0-program-%e2%80%93-underwater-homeowner%e2%80%99s-in-atlanta-get-relief</link>
		<comments>http://www.consolidatedebtz.com/harp-2-0-program-%e2%80%93-underwater-homeowner%e2%80%99s-in-atlanta-get-relief#comments</comments>
		<pubDate>Sat, 21 Jan 2012 04:47:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[atlanta]]></category>
		<category><![CDATA[economic news]]></category>
		<category><![CDATA[help-underwater]]></category>
		<category><![CDATA[low-equity]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[program]]></category>
		<category><![CDATA[refinance-help]]></category>
		<category><![CDATA[refinance-program]]></category>
		<category><![CDATA[take-advantage]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/harp-2-0-program-%e2%80%93-underwater-homeowner%e2%80%99s-in-atlanta-get-relief</guid>
		<description><![CDATA[ Underwater Homeowner&#8217;s in Atlanta Get Refinance Help from Obama Administration Atlanta, GA (January 2012) - Originally launched in April 2009, the Home Affordable Refinance Program (HARP) was designed to help underwater homeowner&#8217;s take advantage of low mortgage rates even if they were low equity or slightly upside down. By allowing underwater homeowner’s the ability to take advantage of today’s lower interest ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/harp-2-0-program-%e2%80%93-underwater-homeowner%e2%80%99s-in-atlanta-get-relief/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do The Mortgage Rule Updates Want to Make your Brain Explode?  More HARP</title>
		<link>http://www.consolidatedebtz.com/mortgage-rule-updates-brain-explode-harp</link>
		<comments>http://www.consolidatedebtz.com/mortgage-rule-updates-brain-explode-harp#comments</comments>
		<pubDate>Mon, 16 Jan 2012 21:18:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[faq's]]></category>
		<category><![CDATA[h.a.r.p.]]></category>
		<category><![CDATA[karen-deis]]></category>
		<category><![CDATA[origination]]></category>
		<category><![CDATA[own-rules]]></category>
		<category><![CDATA[publisher]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/mortgage-rule-updates-brain-explode-harp</guid>
		<description><![CDATA[If This Just Doesn’t Want to Make Your Brain Explode… By: Karen Deis, Publisher, MortgageCurrentcy.com Can you guess how many rule updates affected JUST the origination side of the business from January 1st to December 31st, 2011? Just guess! Ok, I’ll tell you—it’s 259, or an average of 21 rule updates per month.  To get ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/mortgage-rule-updates-brain-explode-harp/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Prices and Affordability – the Truth</title>
		<link>http://www.consolidatedebtz.com/home-prices-and-affordability-%e2%80%93-the-truth</link>
		<comments>http://www.consolidatedebtz.com/home-prices-and-affordability-%e2%80%93-the-truth#comments</comments>
		<pubDate>Mon, 09 Jan 2012 14:02:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[brian larrabee]]></category>
		<category><![CDATA[drove-home]]></category>
		<category><![CDATA[economic news]]></category>
		<category><![CDATA[few-decades]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[interest-rates]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[over-the-last]]></category>
		<category><![CDATA[peak]]></category>
		<category><![CDATA[prices-over]]></category>
		<category><![CDATA[the-last]]></category>
		<category><![CDATA[the-uncertainty]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/home-prices-and-affordability-%e2%80%93-the-truth</guid>
		<description><![CDATA[Gaining a little perspective on what really drove home prices over the last few decades can be valuable to would be buyers. The state of the market now that values have come well off their peak in concert with record low interest rates should be hard to resist. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/home-prices-and-affordability-%e2%80%93-the-truth/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Do I Choose My FHA 203K Lender?</title>
		<link>http://www.consolidatedebtz.com/how-do-i-choose-my-fha-203k-lender</link>
		<comments>http://www.consolidatedebtz.com/how-do-i-choose-my-fha-203k-lender#comments</comments>
		<pubDate>Sun, 08 Jan 2012 01:36:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[clients-look]]></category>
		<category><![CDATA[important]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[lender-selection]]></category>
		<category><![CDATA[mortgage programs]]></category>
		<category><![CDATA[mostly-resigned]]></category>
		<category><![CDATA[renovation]]></category>
		<category><![CDATA[should-potential]]></category>
		<category><![CDATA[very-few]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/how-do-i-choose-my-fha-203k-lender</guid>
		<description><![CDATA[Choosing a FHA 203K Lender Why Is 203K Lender Selection Important? What Should Potential FHA 203K Clients Look For? ]]></description>
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		<slash:comments>0</slash:comments>
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