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	<title>Money Cake &#187; Mortgage Loans</title>
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	<link>http://money-cake.com</link>
	<description>Helping people to improve their personal finance</description>
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		<title>HARP Now Helping More Borrowers Refinance their Homes</title>
		<link>http://money-cake.com/2012/01/harp-now-helping-more-borrowers-refinance-their-homes/</link>
		<comments>http://money-cake.com/2012/01/harp-now-helping-more-borrowers-refinance-their-homes/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 21:33:06 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=4074</guid>
		<description><![CDATA[If you are looking to refinance your home but can&#8217;t because you are underwater (you owe more than your house is worth), you may be able to now refinance via changes made to the Home Affordable Refinance Program (HARP) announced last October. &#160; The changes where made by the Federal Housing Finance Agency, Fannie Mae [...]]]></description>
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		<title>Most Common Mortgage Loans</title>
		<link>http://money-cake.com/2010/05/most-common-mortgage-loans/</link>
		<comments>http://money-cake.com/2010/05/most-common-mortgage-loans/#comments</comments>
		<pubDate>Fri, 07 May 2010 18:18:13 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=3433</guid>
		<description><![CDATA[If you are in the market for a mortgage, you&#8217;ll soon realize that there are several different types available.&#160; The question is which one is right for you.&#160; (Note. You can use a mortgage calculator to compare loans.)&#160; Some of the most common mortgages are as follows: Fixed-rate mortgages are the most popular because it [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get 1% Cash Back or Payment on Your Mortgage</title>
		<link>http://money-cake.com/2010/04/get-1-cash-back-or-payment-on-your-mortgage-with-chase/</link>
		<comments>http://money-cake.com/2010/04/get-1-cash-back-or-payment-on-your-mortgage-with-chase/#comments</comments>
		<pubDate>Wed, 07 Apr 2010 16:13:06 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=3357</guid>
		<description><![CDATA[Chase has introduced a unique cash back offer for home mortgage.&#160; If you get a new Chase mortgage or refinance, you can choose either a 1% cash back or a 1% payment against your principal balance annually when you sign up for automatic payments on a new Chase Mortgage.&#160; That&#8217;s not a bad deal! The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Inside The Collapse of the Subprime Mortgage Business</title>
		<link>http://money-cake.com/2010/03/inside-the-collapse-of-the-subprime-mortgage-business/</link>
		<comments>http://money-cake.com/2010/03/inside-the-collapse-of-the-subprime-mortgage-business/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 18:42:51 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=3253</guid>
		<description><![CDATA[Last night 60 Minutes had a very interesting segment about Michael Lewis who is about to release a book (titled &#8220;The Big Short : Inside the Dooms Day Machine&#8220;) about a handful of Wall Street outsiders who realized the subprime mortgage business was a house of cards and found a way to bet against it. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Analyzing Current Loan vs. New 15/30 Year Fixed Loan</title>
		<link>http://money-cake.com/2009/05/analyzing-current-loan-vs-new-1530-year-fixed-loan/</link>
		<comments>http://money-cake.com/2009/05/analyzing-current-loan-vs-new-1530-year-fixed-loan/#comments</comments>
		<pubDate>Wed, 20 May 2009 23:09:56 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[My Ramblings]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=2005</guid>
		<description><![CDATA[I’m in the process of refinancing our mortgage.&#160; I’ve debated whether or not to refinance to a 15 vs. a 30 year fixed loan or keep my existing loan.&#160; I ran the numbers and it was hard making a final decision.&#160; There are pros and cons with all three scenarios. &#160; Fortunately, I’m able to [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What is a Reverse Mortgage?</title>
		<link>http://money-cake.com/2009/04/what-is-a-reverse-mortgage/</link>
		<comments>http://money-cake.com/2009/04/what-is-a-reverse-mortgage/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 18:31:00 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=1728</guid>
		<description><![CDATA[A reverse mortgage is a type of home loan that lets you convert a portion of the equity in your home into cash. The equity that has built up over the years in your home can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is it Time to Buy or Refinance Your Home?</title>
		<link>http://money-cake.com/2009/04/is-it-time-to-buy-or-refinance-your-home/</link>
		<comments>http://money-cake.com/2009/04/is-it-time-to-buy-or-refinance-your-home/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 23:13:41 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=1695</guid>
		<description><![CDATA[Mortgage rates and home prices have fallen to all time lows.&#160; This maybe the perfect time to purchase or refinance your home.&#160; The pot is even sweeter for first time buyers per the stimulus package which offers first-time homebuyer an $8,000 tax credit for primary residences purchased between January 1, 2009 and November 30, 2009. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Having Trouble Paying Your Mortgage?</title>
		<link>http://money-cake.com/2009/04/having-trouble-paying-your-mortgage/</link>
		<comments>http://money-cake.com/2009/04/having-trouble-paying-your-mortgage/#comments</comments>
		<pubDate>Fri, 03 Apr 2009 00:45:30 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=1643</guid>
		<description><![CDATA[If you are having trouble paying your mortgage, remember that President&#8217;s Obama Homeowner Affordability and Stability Plan is setup to help up to nine million families modify their mortgages to avoid foreclosure. Many homeowners pay their mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates maybe due [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is it Time to Refinance Your Mortgage?</title>
		<link>http://money-cake.com/2009/03/is-it-time-to-refinance-your-mortgage/</link>
		<comments>http://money-cake.com/2009/03/is-it-time-to-refinance-your-mortgage/#comments</comments>
		<pubDate>Sat, 28 Mar 2009 18:34:52 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=1523</guid>
		<description><![CDATA[Mortgage rates are falling and you may be wondering if it’s time to refinance.&#160; On the other hand, you may be also asking yourself if it would be better to wait.&#160; Unfortunately, there are no specific guidelines on how long you should wait, but you should only refinance whenever there is a financial advantage to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a Subprime Mortgage?</title>
		<link>http://money-cake.com/2009/03/what-is-a-subprime-mortgage/</link>
		<comments>http://money-cake.com/2009/03/what-is-a-subprime-mortgage/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 16:10:00 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=1354</guid>
		<description><![CDATA[A subprime mortgage is a type of loan given to borrowers with poor credit histories; often below a 600 FICA Score. As a result of poor credit scores, these borrowers do not qualify for conventional mortgages. Because subprime borrowers present a higher risk for lenders, subprime mortgages charge higher interest rates, above the prime lending [...]]]></description>
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		<slash:comments>0</slash:comments>
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