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	<title>BLACK ENTERPRISE &#187; Homeownership</title>
	<atom:link href="http://www.blackenterprise.com/category/wealth-for-life/homeownership/feed" rel="self" type="application/rss+xml" />
	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Choosing a Contractor</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/01/choosing-a-contractor</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/01/choosing-a-contractor#comments</comments>
		<pubDate>Thu, 01 Oct 2009 17:29:59 +0000</pubDate>
		<dc:creator>Lauren Lea</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home repair]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=39523</guid>
		<description><![CDATA[After experiencing a home break-in this summer, Atlanta residents Jamilia and Charles Smith decided to look for a contractor to repair the damages. During the invasion, a burglar damaged the alarm system, broke the rear door of their home, and tore their flat-screen televisions from the walls in the living room and master suite, causing extensive damage to the walls. But they were soon in for another surprise.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Now the Time to Buy Real Estate?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate#comments</comments>
		<pubDate>Wed, 01 Jul 2009 14:55:55 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36154</guid>
		<description><![CDATA[If you believe in the investment philosophy “buy low and sell high,” then you’re probably already starting to wonder if now is the right time to begin buying real estate. The market is flush with foreclosures (homes that have already “gone back” to the bank/lender) and short sales (those ripe for negotiation with lenders that have yet to “take back” the homes through the foreclosure process), both of which present good opportunities for investors looking for a beneficial place to put their money.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Fair Access to Mortgages Still Illusive for Minority Women</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women#comments</comments>
		<pubDate>Fri, 12 Jun 2009 17:45:29 +0000</pubDate>
		<dc:creator>Janell Hazelwood</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36050</guid>
		<description><![CDATA[African American and Hispanic women continue to receive disparate treatment in the mortgage lending process, according to a new report from the National Council of Negro Women.
The report, “Assessing the Double Burden: Examining Racial and Gender Disparities in Mortgage Lending,” indicates that in many cases, disparities by race widened as income levels increased -- one [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>You Can Still Get a Mortgage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/21/you-can-still-get-a-mortgage</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/21/you-can-still-get-a-mortgage#comments</comments>
		<pubDate>Thu, 21 May 2009 15:20:07 +0000</pubDate>
		<dc:creator>Chana Garcia</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Federal Housing Authority]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35081</guid>
		<description><![CDATA[Bankers, brokers, and swindlers aren’t the only ones to blame for the subprime mortgage mess. Homeowners who purchased houses they couldn’t afford in the snatch-and-grab real estate rush of the late ’90s and early 2000s also played a key role.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Foreclosure Lifelines</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines#comments</comments>
		<pubDate>Mon, 11 May 2009 16:50:30 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[RealtyTrac]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=32558</guid>
		<description><![CDATA[Nearly one in three Americans, or 31%, say they know someone who has already lost their home to foreclosure, according to a survey by legal information site FindLaw.com. In addition, the survey found that one in four Americans, or 27%, say they know someone who is currently going through the foreclosure process.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>HUD Outlines Homeowners&#8217; Rescue Plan</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/03/16/hud-outlines-homeowners-rescue-plan</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/03/16/hud-outlines-homeowners-rescue-plan#comments</comments>
		<pubDate>Mon, 16 Mar 2009 18:07:09 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[subprime loans]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=27459</guid>
		<description><![CDATA[
If you’re one of the seven to nine million homeowners whose monthly mortgage payments are taking their toll, the Obama administration’s Homeowner Affordability and Stability Plan, could help you refinance that loan into more affordable payments. This plan will be crucial to many black families who were disproportionately targeted by subprime loans.
“We’ve got to make [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Opportunity Knocks</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2#comments</comments>
		<pubDate>Sun, 01 Feb 2009 19:03:00 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[wealthbuilding]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26444</guid>
		<description><![CDATA[ Wealth For Life Principle No. 5: I will use homeownership as a foundation for building wealth.
Tyre Sperling dreamed of owning his own home as early as his senior year at Florida A&#38;M University. The Los Angeles native graduated in 2005 and moved to the South a year later. “I couldn’t afford a home in [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Did They Cause the Credit Crisis?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2#comments</comments>
		<pubDate>Thu, 01 Jan 2009 19:04:30 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[housing crisis]]></category>
		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26453</guid>
		<description><![CDATA[ The loud, angry chorus of blame began almost immediately. As big banks and brokerage houses crumbled, and the financial markets spiraled downward last fall, observers searched for someplace—anyplace—to cast culpability. Was it greedy lenders? Lax regulators? Money-hungry Wall Streeters? For some political conservatives, none of those familiar culprits would do. For them, one group [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Home Maintenance Checklist</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist#comments</comments>
		<pubDate>Mon, 22 Dec 2008 18:14:27 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Consumer Reports]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[National Center for Healthy Housing]]></category>
		<category><![CDATA[True Value Co.]]></category>
		<category><![CDATA[Unigard Insurance Group]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21107</guid>
		<description><![CDATA[Routine home maintenance is essential to keeping your house running and preventing minor problems from turning into major headaches. Proper home inspection can also increase the efficiency of your house and appliances. “If you don’t [maintain your house] there’s a risk of becoming sick or even dying in your home,” says Rebecca Morley, executive director of the National Center for Healthy Housing, a home research organization.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Home Insurance Checklist</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist#comments</comments>
		<pubDate>Mon, 22 Dec 2008 18:14:27 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[C.L.U.E.]]></category>
		<category><![CDATA[Comprehensive Loss Underwriting Exchange]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[State Farm Insurance Co.]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21123</guid>
		<description><![CDATA[Your home is your castle, and probably your biggest investment. So, it’s essential that whatever homeowners insurance you have or plan to purchase covers all your needs. Coverage protects you in case a fire or hurricane destroys your house or “even for smaller items like if someone burglarizes your home,” says Loretta Worters, vice president of communications at the Insurance Information Institute. It can also protect you in the case of liability for any accidents on your property.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Get Caught in a Foreclosure Scam</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam#comments</comments>
		<pubDate>Mon, 17 Nov 2008 02:08:23 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[NeighborWorks America]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7430</guid>
		<description><![CDATA[Thanks to today's economic turmoil, sparked by an ongoing mortgage crisis, a record number of Americans are facing fears of not being able to keep up with mortgage payments on their home. Home foreclosures are at record highs, and many people are desperate to save their homes or get out from under the pressure. Unfortunately, this makes them perfect targets for con artists who run foreclosure scams, promising to help you save your home, but actually stealing your money and/or home equity while doing nothing to prevent your eviction.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Buying a Foreclosed Home: Good or Bad?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe#comments</comments>
		<pubDate>Mon, 17 Nov 2008 01:30:05 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[bank-owned properties]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[mortgage crisis]]></category>
		<category><![CDATA[REO]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7420</guid>
		<description><![CDATA[You've heard that the silver lining to all of the change and turmoil of the subprime mortgage crisis is that there are great deals to be had for would-be home buyers, specifically in the foreclosure market. You've heard the stories and seen the commercials, but some still want to know: Is buying foreclosed property a good idea? The short answer to this question is, "It depends." ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Government Takes Control of Fannie Mae, Freddie Mac</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac#comments</comments>
		<pubDate>Mon, 08 Sep 2008 14:40:59 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8323</guid>
		<description><![CDATA[The federal government yesterday took control of mortgage giants Freddie Mac and Fannie Mae in a dramatic attempt to shore up the nation's weakened housing market.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Avoid Foreclosure</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/18/how-to-avoid-foreclosure</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/18/how-to-avoid-foreclosure#comments</comments>
		<pubDate>Wed, 18 Jun 2008 02:00:00 +0000</pubDate>
		<dc:creator>Aisha I. Jefferson</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/06/18/how-to-avoid-foreclosure/</guid>
		<description><![CDATA[With home foreclosures reaching record highs and circulating news reports about heavyweight boxing champion Evander Holyfield and iconic TV host Ed McMahon fighting to keep their multimillion-dollar dwellings from reaching the courthouse steps, housing industry experts say borrowers can avoid a similar fate.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/18/how-to-avoid-foreclosure/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Costly Home</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/17/home-costly-home</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/17/home-costly-home#comments</comments>
		<pubDate>Tue, 17 Jun 2008 08:40:00 +0000</pubDate>
		<dc:creator>Chris Taylor</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[subprime loans]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/06/17/home-costly-home/</guid>
		<description><![CDATA[As a homeowner, hopefully you haven’t been swept up in the subprime tide that’s hit the housing market. But because the flagging economy is impacting everyone to some extent, you may be looking to cut expenses.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/06/17/home-costly-home/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Looking for Bargains on Rental Property</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/05/09/looking-for-bargains-on-rental-property</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/05/09/looking-for-bargains-on-rental-property#comments</comments>
		<pubDate>Fri, 09 May 2008 02:00:00 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/05/09/looking-for-bargains-on-rental-property/</guid>
		<description><![CDATA[Real estate prices are tumbling across the U.S. That may spell trouble for homeowners, but it may be good news for interested buyers or investors. You can get much better deals today whether you are looking to rent a single family home or small residential property.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/05/09/looking-for-bargains-on-rental-property/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Outside the Bubble</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/01/15/outside-the-bubble</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/01/15/outside-the-bubble#comments</comments>
		<pubDate>Tue, 15 Jan 2008 17:00:00 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[EXER]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/15/outside-the-bubble/</guid>
		<description><![CDATA[Alternative financing options fuel real estate investor's success]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>African American Communities Walloped by Subprime Mortgage Disaster</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/01/10/african-american-communities-walloped-by-subprime-mortgage-disaster</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/01/10/african-american-communities-walloped-by-subprime-mortgage-disaster#comments</comments>
		<pubDate>Thu, 10 Jan 2008 20:00:00 +0000</pubDate>
		<dc:creator>Denise A. Campbell</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[subprime mortgage]]></category>
		<category><![CDATA[SunTrust Mortgage]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/10/african-american-communities-walloped-by-subprime-mortgage-disaster/</guid>
		<description><![CDATA[Lured by the idea of an easy transition from renter to homeowner, Natasha Layne purchased her dream home in Brooklyn with a $650,000 mortgage loan with no down payment and an attractive teaser rate.]]></description>
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		<slash:comments>0</slash:comments>
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