<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Consolidate Debt &#187; Credit</title>
	<atom:link href="http://www.consolidatedebtz.com/online/credit/feed" rel="self" type="application/rss+xml" />
	<link>http://www.consolidatedebtz.com</link>
	<description>Consolidate Debt from Loans and Mortgages</description>
	<lastBuildDate>Fri, 03 Feb 2012 20:41:20 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.1</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Military Members Can Still Secure Home-Buying Tax Credits</title>
		<link>http://www.consolidatedebtz.com/military-members-can-still-secure-home-buying-tax-credits</link>
		<comments>http://www.consolidatedebtz.com/military-members-can-still-secure-home-buying-tax-credits#comments</comments>
		<pubDate>Tue, 08 Mar 2011 18:12:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[afloat-last]]></category>
		<category><![CDATA[country]]></category>
		<category><![CDATA[duty-military]]></category>
		<category><![CDATA[industry-stay]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[one-final]]></category>
		<category><![CDATA[opportunity]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[sagging]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/military-members-can-still-secure-home-buying-tax-credits</guid>
		<description><![CDATA[The home-buying tax credits that helped the sagging real estate industry stay afloat last year are still available to one final group of prospective buyers: Active duty military members. But time is running out, which means real estate professionals should jump at the opportunity, especially in military-rich parts of the country. Service members who served ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/military-members-can-still-secure-home-buying-tax-credits/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Military Members Can Still Secure Home-Buying Tax Credits</title>
		<link>http://www.consolidatedebtz.com/military-members-secure-home-buying-tax-credits</link>
		<comments>http://www.consolidatedebtz.com/military-members-secure-home-buying-tax-credits#comments</comments>
		<pubDate>Tue, 08 Mar 2011 18:12:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[afloat-last]]></category>
		<category><![CDATA[final]]></category>
		<category><![CDATA[opportunity]]></category>
		<category><![CDATA[running-out]]></category>
		<category><![CDATA[sagging]]></category>
		<category><![CDATA[should-jump]]></category>
		<category><![CDATA[tax-credits]]></category>
		<category><![CDATA[va loans]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/military-members-secure-home-buying-tax-credits</guid>
		<description><![CDATA[The home-buying tax credits that helped the sagging real estate industry stay afloat last year are still available to one final group of prospective buyers: Active duty military members. But time is running out, which means real estate professionals should jump at the opportunity, especially in military-rich parts of the country. Service members who served ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/military-members-secure-home-buying-tax-credits/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fair Access to Credit Score Disclosures—Coming to a Loan File Near You!</title>
		<link>http://www.consolidatedebtz.com/fair-access-to-credit-score-disclosures%e2%80%94coming-to-a-loan-file-near-you</link>
		<comments>http://www.consolidatedebtz.com/fair-access-to-credit-score-disclosures%e2%80%94coming-to-a-loan-file-near-you#comments</comments>
		<pubDate>Sun, 13 Feb 2011 20:15:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[access]]></category>
		<category><![CDATA[all-types]]></category>
		<category><![CDATA[credit-scores]]></category>
		<category><![CDATA[disclosure]]></category>
		<category><![CDATA[disclosures]]></category>
		<category><![CDATA[dodd]]></category>
		<category><![CDATA[dodd-frank]]></category>
		<category><![CDATA[fair]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[score]]></category>
		<category><![CDATA[street]]></category>
		<category><![CDATA[street-reform]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/fair-access-to-credit-score-disclosures%e2%80%94coming-to-a-loan-file-near-you</guid>
		<description><![CDATA[Most mortgage companies don&#8217;t realize this yet, but the Fair Access to Credit Score Disclosures are coming to a loan file near you! We know the Dodd-Frank Wall Street Reform Act is massive—and covers all types of financial entities. Tucked away in the bill is a section called “Fair Access to Credit Scores” which contains ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/fair-access-to-credit-score-disclosures%e2%80%94coming-to-a-loan-file-near-you/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Do NMLS &amp; HUD Case Numbers Have In Common?</title>
		<link>http://www.consolidatedebtz.com/what-do-nmls-hud-case-numbers-have-in-common</link>
		<comments>http://www.consolidatedebtz.com/what-do-nmls-hud-case-numbers-have-in-common#comments</comments>
		<pubDate>Tue, 18 Jan 2011 20:37:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[all-lenders]]></category>
		<category><![CDATA[case]]></category>
		<category><![CDATA[distinction]]></category>
		<category><![CDATA[federal-reserve]]></category>
		<category><![CDATA[ml 2011-04]]></category>
		<category><![CDATA[story]]></category>
		<category><![CDATA[the-story]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/what-do-nmls-hud-case-numbers-have-in-common</guid>
		<description><![CDATA[So effective April 1st, FHA is requiring that all lenders must enter the “NMLS Identifier” number when ordering a case number. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/what-do-nmls-hud-case-numbers-have-in-common/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Heads Up Licensed LO’s – You’ll Need NMLS Credit Authorization starting 11-1-10</title>
		<link>http://www.consolidatedebtz.com/heads-up-licensed-lo%e2%80%99s-%e2%80%93-you%e2%80%99ll-need-nmls-credit-authorization-starting-11-1-10</link>
		<comments>http://www.consolidatedebtz.com/heads-up-licensed-lo%e2%80%99s-%e2%80%93-you%e2%80%99ll-need-nmls-credit-authorization-starting-11-1-10#comments</comments>
		<pubDate>Thu, 28 Oct 2010 18:33:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[bureau]]></category>
		<category><![CDATA[credit-report]]></category>
		<category><![CDATA[loan-officers]]></category>
		<category><![CDATA[not-registered]]></category>
		<category><![CDATA[officers]]></category>
		<category><![CDATA[updates]]></category>
		<category><![CDATA[vantage]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/heads-up-licensed-lo%e2%80%99s-%e2%80%93-you%e2%80%99ll-need-nmls-credit-authorization-starting-11-1-10</guid>
		<description><![CDATA[Well, you knew it was going to happen. The NMLS has announced that beginning on November 1st, 2010, all licensed loan officers (not registered) must authorize them to pull a credit report on YOU—regardless of what your state’s requirements—and even if your credit was previously reviewed. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/heads-up-licensed-lo%e2%80%99s-%e2%80%93-you%e2%80%99ll-need-nmls-credit-authorization-starting-11-1-10/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Credit Report vs. Your Mortgage License–Heads Up!</title>
		<link>http://www.consolidatedebtz.com/your-credit-report-vs-your-mortgage-license%e2%80%93heads-up</link>
		<comments>http://www.consolidatedebtz.com/your-credit-report-vs-your-mortgage-license%e2%80%93heads-up#comments</comments>
		<pubDate>Wed, 20 Oct 2010 17:03:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[continue-doing]]></category>
		<category><![CDATA[government action]]></category>
		<category><![CDATA[guildelines]]></category>
		<category><![CDATA[license]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[wrong]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/your-credit-report-vs-your-mortgage-license%e2%80%93heads-up</guid>
		<description><![CDATA[So, what's "wrong" about the way loan officers have to be licensed? ..first you pay all that money, spend all that time getting your license and only AFTER you've done that...will they pull a credit report...too see if you can continue doing loans. I've heard of loan officers who are "on probation" because ... ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/your-credit-report-vs-your-mortgage-license%e2%80%93heads-up/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VA Pushes Lenders to Ease Burden for Gulf Coast Vets</title>
		<link>http://www.consolidatedebtz.com/va-pushes-lenders-to-ease-burden-for-gulf-coast-vets</link>
		<comments>http://www.consolidatedebtz.com/va-pushes-lenders-to-ease-burden-for-gulf-coast-vets#comments</comments>
		<pubDate>Wed, 25 Aug 2010 01:43:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[gulf]]></category>
		<category><![CDATA[monday]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage-companies]]></category>
		<category><![CDATA[provide-veterans]]></category>
		<category><![CDATA[secretary-eric]]></category>
		<category><![CDATA[urged-everyone]]></category>
		<category><![CDATA[veterans]]></category>
		<category><![CDATA[week]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/va-pushes-lenders-to-ease-burden-for-gulf-coast-vets</guid>
		<description><![CDATA[Several mortgage companies have offered to loosen up on late payments and credit bureau reporting for veterans affected by the Gulf Oil spill. The Veterans Administration this week urged everyone else to climb aboard]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/va-pushes-lenders-to-ease-burden-for-gulf-coast-vets/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>California New Home and First Time Home Buyer Tax Credit</title>
		<link>http://www.consolidatedebtz.com/california-new-home-and-first-time-home-buyer-tax-credit</link>
		<comments>http://www.consolidatedebtz.com/california-new-home-and-first-time-home-buyer-tax-credit#comments</comments>
		<pubDate>Wed, 31 Mar 2010 00:50:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first-time]]></category>
		<category><![CDATA[governor-arnold]]></category>
		<category><![CDATA[high-spirits]]></category>
		<category><![CDATA[home-buyers]]></category>
		<category><![CDATA[new home]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/california-new-home-and-first-time-home-buyer-tax-credit</guid>
		<description><![CDATA[California&#8217;s first time home buyer and new home tax credit for 2010 that passed legislature and signed by Governor Arnold Schwarzenegger last week has raised questions, home buyers spirits and tax payers blood pressure. Low blood pressure is important to me, therefore, I will concentrate on maintaining high spirits for you potential homeowners by answering the ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/california-new-home-and-first-time-home-buyer-tax-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Reasons VA Loans Will Be Prominent in 2010</title>
		<link>http://www.consolidatedebtz.com/3-reasons-va-loans-will-be-prominent-in-2010</link>
		<comments>http://www.consolidatedebtz.com/3-reasons-va-loans-will-be-prominent-in-2010#comments</comments>
		<pubDate>Thu, 18 Mar 2010 16:07:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[backed-security]]></category>
		<category><![CDATA[conventional]]></category>
		<category><![CDATA[hundred-dollars]]></category>
		<category><![CDATA[interest-rates]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loans-provided]]></category>
		<category><![CDATA[mortgage-points]]></category>
		<category><![CDATA[not-accompanied]]></category>
		<category><![CDATA[reduction]]></category>
		<category><![CDATA[va home loans]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/3-reasons-va-loans-will-be-prominent-in-2010</guid>
		<description><![CDATA[ 2010 is shaping up to be a good year. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/3-reasons-va-loans-will-be-prominent-in-2010/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Governator Pushing New Homebuyer Tax Credit For Californians</title>
		<link>http://www.consolidatedebtz.com/governator-pushing-new-homebuyer-tax-credit-for-californians</link>
		<comments>http://www.consolidatedebtz.com/governator-pushing-new-homebuyer-tax-credit-for-californians#comments</comments>
		<pubDate>Fri, 12 Mar 2010 21:05:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[governor]]></category>
		<category><![CDATA[legislature]]></category>
		<category><![CDATA[people]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[state tax credit]]></category>
		<category><![CDATA[steelworkers]]></category>
		<category><![CDATA[subcontractors]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[traffic]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/governator-pushing-new-homebuyer-tax-credit-for-californians</guid>
		<description><![CDATA[ Well, he&#8217;s hitting the road again with some pretty hard hitting talk about making the $10,000 homebuyer tax credit a reality for potentially 20,000 California home buyers. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/governator-pushing-new-homebuyer-tax-credit-for-californians/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pacific Northwest Housing Summit – March 18-19</title>
		<link>http://www.consolidatedebtz.com/pacific-northwest-housing-summit-%e2%80%93-march-18-19</link>
		<comments>http://www.consolidatedebtz.com/pacific-northwest-housing-summit-%e2%80%93-march-18-19#comments</comments>
		<pubDate>Thu, 11 Mar 2010 02:23:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[alignnone-size-thumbnail]]></category>
		<category><![CDATA[brenda-rawlins]]></category>
		<category><![CDATA[event]]></category>
		<category><![CDATA[governor-brad]]></category>
		<category><![CDATA[housing-summit]]></category>
		<category><![CDATA[northwest]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[rhonda porter]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/pacific-northwest-housing-summit-%e2%80%93-march-18-19</guid>
		<description><![CDATA[ The Pacific NW Housing Summit is an opportunity to bring together professionals from all aspects of the real estate industry with the intent to evaluate the current market conditions, forecast the coming years prospects and plan for the resurgence of the housing industry here in the Northwest. Real estate agents, mortgage lenders and originators, appraisers, title insurers, escrow officers and all related professionals share common challenges and goals.  This is an opportunity to learn and plan together while getting answers to the questions that challenge us all. This venue will provide face to face contact with regulators, policy makers, as well as leaders in our respective fields]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/pacific-northwest-housing-summit-%e2%80%93-march-18-19/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NAMB / HUD Webinar Replay:</title>
		<link>http://www.consolidatedebtz.com/namb-hud-webinar-replay</link>
		<comments>http://www.consolidatedebtz.com/namb-hud-webinar-replay#comments</comments>
		<pubDate>Sat, 05 Dec 2009 22:11:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[broker-approval]]></category>
		<category><![CDATA[faith]]></category>
		<category><![CDATA[faith-estimate]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[government action]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[live]]></category>
		<category><![CDATA[namb]]></category>
		<category><![CDATA[people]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://www.consolidatedebtz.com/namb-hud-webinar-replay</guid>
		<description><![CDATA[ Effective January 1, 2010, HUD is requiring loan originators provide borrowers with a Standard Good Faith Estimate (GFE) that clearly discloses key loan terms and closing costs and that closing agents provide borrowers with a revised HUD-1 Settlement Statement. There are three main areas of regulation and updates that mortgage brokers have to pay attention to right now in order to be prepared for 2010: GFE/RESPA &#8211; Triggers, Settlement Changes, FHA cap on origination fees&#8230; FHA Appraisal Ordering Policy &#8211; Review of Process, Expected Impact FHA Mini-Eagle/Broker Approval &#8211; Net Worth Requirements, Audits The purpose of this particular NAMB / HUD webinar was to give mortgage brokers a high level overview of the general changes that they need to be aware of. While an hour is obviously not nearly enough time to address anything in great detail, our objective is mainly to stimulate conversations and questions that NAMB officials can use in their fight for the rights of mortgage brokers. ]]></description>
		<wfw:commentRss>http://www.consolidatedebtz.com/namb-hud-webinar-replay/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

