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	<title>The Truth About Mortgage.com &#187; Refinance</title>
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	<link>http://www.thetruthaboutmortgage.com</link>
	<description>Mortgage tips, advice, and the latest mortgage news.</description>
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		<title>Watch Out for Low Mortgage Rates You Have to Pay For</title>
		<link>http://www.thetruthaboutmortgage.com/watch-out-for-low-mortgage-rates-you-have-to-pay-for/</link>
		<comments>http://www.thetruthaboutmortgage.com/watch-out-for-low-mortgage-rates-you-have-to-pay-for/#comments</comments>
		<pubDate>Mon, 07 May 2012 17:36:15 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16664</guid>
		<description><![CDATA[Mortgage rates keep on marching lower and lower, with new records broken seemingly every week. But with all the fervor surrounding mortgage rates, some lenders are playing the “how low can we appear to go” game. For example, mortgage lenders may be talking about their lowest rates (with multiple points), as opposed to offering their ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What is a Streamline Refinance?</title>
		<link>http://www.thetruthaboutmortgage.com/what-is-a-streamline-refinance/</link>
		<comments>http://www.thetruthaboutmortgage.com/what-is-a-streamline-refinance/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 20:25:17 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16531</guid>
		<description><![CDATA[Mortgage Q&#38;A: “What is a streamline refinance?” While qualifying for a mortgage refinance is generally a lot harder than it has been in the past (now that lenders actually care how your mortgage performs), there are less cumbersome options available. In fact, many lenders offer “streamlined” alternatives to existing borrowers to lower costs and make ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Rates Are On the Rise: Should You Panic?</title>
		<link>http://www.thetruthaboutmortgage.com/mortgage-rates-are-on-the-rise-should-you-panic/</link>
		<comments>http://www.thetruthaboutmortgage.com/mortgage-rates-are-on-the-rise-should-you-panic/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 19:49:33 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16509</guid>
		<description><![CDATA[So the inevitable happened. Mortgage rates ticked up from their record lows, and the popular 30-year fixed has now drifted above four percent. Gasp! Does this mean we should stock up on water, dry goods and ammo, and crawl into our respective bomb shelters? Not exactly. While mortgage rates aren’t as low as they once ]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Refinance Rule of Thumb</title>
		<link>http://www.thetruthaboutmortgage.com/the-refinance-rule-of-thumb/</link>
		<comments>http://www.thetruthaboutmortgage.com/the-refinance-rule-of-thumb/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 18:49:43 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16505</guid>
		<description><![CDATA[If you’re considering refinancing your mortgage, you may have searched for the “refinance rule of thumb” to help you make your decision. Of course, there isn’t a single refinance rule of thumb. One popular one is that you should only refinance if your new interest rate will be two percentage points lower than your current ]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Obama Slashes Costs for FHA Streamline Refinances to Boost Market</title>
		<link>http://www.thetruthaboutmortgage.com/obama-slashes-costs-for-fha-streamline-refinances-to-boost-market/</link>
		<comments>http://www.thetruthaboutmortgage.com/obama-slashes-costs-for-fha-streamline-refinances-to-boost-market/#comments</comments>
		<pubDate>Tue, 06 Mar 2012 18:24:04 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16483</guid>
		<description><![CDATA[In another effort to buoy the flagging housing market, the Obama administration announced today that it would essentially be removing the upfront mortgage insurance premium on streamlined FHA refinances. So homeowners who currently hold an FHA loan, looking to refinance into another FHA loan to lower their mortgage rate, will pay just 0.01% in upfront ]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>What is a Lender Credit?</title>
		<link>http://www.thetruthaboutmortgage.com/what-is-a-lender-credit/</link>
		<comments>http://www.thetruthaboutmortgage.com/what-is-a-lender-credit/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 01:54:47 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16395</guid>
		<description><![CDATA[Mortgage Q&#38;A: “What is a lender credit?” Back before the mortgage crisis reared its ugly head, it was quite common for loan officers and mortgage brokers to get paid twice for originating a single loan. They could charge the borrower directly, via mortgage points, while also receiving compensation from the issuing mortgage lender, via yield ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Star Financial Debt Free in 10 Mortgage Review</title>
		<link>http://www.thetruthaboutmortgage.com/star-financial-debt-free-in-10-mortgage-review/</link>
		<comments>http://www.thetruthaboutmortgage.com/star-financial-debt-free-in-10-mortgage-review/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 22:20:43 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Reviews]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16389</guid>
		<description><![CDATA[Every once in a while I take a look at certain mortgage products I see advertised to determine if they make any sense for homeowners. Today we’ll take a look at Star Financial’s “Debt Free in 10 Mortgage,” which put simply, is a 10-year fixed mortgage. In other words, your mortgage is fixed for the ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I Qualify for the National Mortgage Settlement?</title>
		<link>http://www.thetruthaboutmortgage.com/do-i-qualify-for-the-national-mortgage-settlement/</link>
		<comments>http://www.thetruthaboutmortgage.com/do-i-qualify-for-the-national-mortgage-settlement/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 23:58:00 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16379</guid>
		<description><![CDATA[In case you haven’t heard by now, the so-called “National Mortgage Settlement” was finalized today. It’s the largest multi-state settlement since the Tobacco Settlement back in 1998, related to robosigning allegations that took place over the past several years. Essentially, some of the nation’s largest loan servicers routinely signed off on foreclosure documents without doing ]]></description>
		<wfw:commentRss>http://www.thetruthaboutmortgage.com/do-i-qualify-for-the-national-mortgage-settlement/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Bank of America Has a Waiting List to Refinance</title>
		<link>http://www.thetruthaboutmortgage.com/bank-of-america-has-a-waiting-list-to-refinance/</link>
		<comments>http://www.thetruthaboutmortgage.com/bank-of-america-has-a-waiting-list-to-refinance/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 19:32:15 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16376</guid>
		<description><![CDATA[If you’re interested in refinancing your mortgage with Bank of America, you may be in for a big surprise. Per Bloomberg, the mega bank has been unable to keep up with demand, thanks in part to HARP Phase II, which is beginning to roll out. The program, which allows pretty much anyone to refinance, regardless ]]></description>
		<wfw:commentRss>http://www.thetruthaboutmortgage.com/bank-of-america-has-a-waiting-list-to-refinance/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Obama’s Broad Based Refinancing Plan</title>
		<link>http://www.thetruthaboutmortgage.com/obamas-broad-based-refinancing-plan/</link>
		<comments>http://www.thetruthaboutmortgage.com/obamas-broad-based-refinancing-plan/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 19:00:45 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16351</guid>
		<description><![CDATA[It took a few weeks, but we’ve finally got concrete details regarding the Obama Administration’s so-called “Broad Based Refinancing Plan.” First off, homeowners with Fannie Mae and Freddie Mac-backed mortgages who are unable to refinance to take advantage of the near-record low mortgage rates will be able to go through HARP 2.0. HARP 2.0 was ]]></description>
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		<slash:comments>2</slash:comments>
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