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	<title>Mortgage Facts&#187; mortgage</title>
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	<link>http://themortgagefacts.com</link>
	<description>Home Mortgage, Refinancing, Home Loans, Mortgaging, Refinance. All the Info You Need!</description>
	<lastBuildDate>Mon, 21 May 2012 05:16:05 +0000</lastBuildDate>
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		<title>Mark-to-Market and Mortgages</title>
		<link>http://themortgagefacts.com/mortgages/basics/mark-to-market-and-mortgages/</link>
		<comments>http://themortgagefacts.com/mortgages/basics/mark-to-market-and-mortgages/#comments</comments>
		<pubDate>Sun, 12 Jul 2009 02:18:23 +0000</pubDate>
		<dc:creator>macho</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[cheap refinancing]]></category>
		<category><![CDATA[housing loans]]></category>
		<category><![CDATA[how to refinance]]></category>
		<category><![CDATA[mark-to-market]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[should i refinance]]></category>

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		<description><![CDATA[Over the past couple of days, a new possible excuse for the recession has been coming up here and there and it&#8217;s called the mark-to-market accounting rule, and not a lot of people know what it is. I had to look it up myself, and I&#8217;ll try my best to explain what it&#8217;s about.

Mark-to-market is [...]]]></description>
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		<title>How to Refinance &#8211; Are Adjustable Rate Mortgages (ARM) Bad?</title>
		<link>http://themortgagefacts.com/mortgages/are-adjustable-rate-mortgages-arm-bad/</link>
		<comments>http://themortgagefacts.com/mortgages/are-adjustable-rate-mortgages-arm-bad/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 07:31:51 +0000</pubDate>
		<dc:creator>macho</dc:creator>
				<category><![CDATA[Home Mortgage Tips]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[adjustable rate mortgages]]></category>
		<category><![CDATA[arm]]></category>
		<category><![CDATA[cheap refinancing]]></category>
		<category><![CDATA[how to refinance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[should i refinance]]></category>

		<guid isPermaLink="false">http://themortgagefacts.com/?p=97</guid>
		<description><![CDATA[A couple I know recently purchased a home costing $400,000. They weighed their options and felt that the best way to finance this is with an adjustable rate mortgage (ARM).
ARMs have taken a lot of criticisms for the mortgage crisis. With these loans like these, borrowers pay out at a low initial rate for a [...]]]></description>
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		<title>Mortgage Brokers &#8211; Who Regulates Them?</title>
		<link>http://themortgagefacts.com/mortgages/basics/mortgage-brokers-who-regulates-them/</link>
		<comments>http://themortgagefacts.com/mortgages/basics/mortgage-brokers-who-regulates-them/#comments</comments>
		<pubDate>Fri, 03 Jul 2009 06:56:16 +0000</pubDate>
		<dc:creator>macho</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[brokers]]></category>
		<category><![CDATA[cheap refinancing]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[how to refinance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[should i refinance]]></category>

		<guid isPermaLink="false">http://themortgagefacts.com/?p=40</guid>
		<description><![CDATA[At some point in time, you tend to ask yourself, who is in charge of protecting me from possibly bad mortgage business practices?]]></description>
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		<title>Will a short sale affect my credit rating</title>
		<link>http://themortgagefacts.com/mortgages/will-a-short-sale-affect-my-credit-rating/</link>
		<comments>http://themortgagefacts.com/mortgages/will-a-short-sale-affect-my-credit-rating/#comments</comments>
		<pubDate>Sat, 09 May 2009 00:31:46 +0000</pubDate>
		<dc:creator>macho</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://themortgagefacts.com/?p=229</guid>
		<description><![CDATA[Q. We have to relocate because of my husband&#8217;s job. Our home value has fallen nearly $100,000. We would like to get rid of it, but we don&#8217;t want to go into foreclosure. Someone mentioned a short sale. What impact would that have on our credit rating?
A. A short sale, in which you negotiate with [...]]]></description>
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		<title>Should we go and Refinance our Home Loan?</title>
		<link>http://themortgagefacts.com/mortgages/home-mortgage-tips/should-we-go-and-refinance-our-home-loan/</link>
		<comments>http://themortgagefacts.com/mortgages/home-mortgage-tips/should-we-go-and-refinance-our-home-loan/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 12:51:19 +0000</pubDate>
		<dc:creator>macho</dc:creator>
				<category><![CDATA[Home Mortgage Tips]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refinance home loan]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[TARP]]></category>

		<guid isPermaLink="false">http://themortgagefacts.com/?p=44</guid>
		<description><![CDATA[We have a mortgage for 10 years. It&#8217;s really hurting us. What can we do about it? We live on a very quiet neighborhood. We took out a home loan with a very optimistic term. Since we have very short terms, our the interest rates on our mortgage is quite low while our repayments are [...]]]></description>
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