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	<title>BLACK ENTERPRISE &#187; mortgage</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Demystifying the Mortgage Modification Process</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 21:45:22 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=50188</guid>
		<description><![CDATA[Loan modification counselor discusses when homeowners should modify their loan, why banks are not modifying loans, and resources homeowners can use to get help when your payments are delinquent.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Finance a Fixer-Upper on a Modest Budget</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 23:19:43 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[remodeling]]></category>
		<category><![CDATA[renovations]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45439</guid>
		<description><![CDATA[A reader recently wrote to me asking about options for financing the purchase of a home that needs a good deal of repair work. The reader implied her and her husband would have no problem getting a mortgage, but wondered where they might find the additional financing to make repairs and renovations.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homebuyer&#8217;s Toolkit: Building Financial Security</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 20:27:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[home owner]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43791</guid>
		<description><![CDATA[Over the Thanksgiving break I became addicted to a show called Till Debt Do U$ Part on HGTV. Financial wizard Gail Vaz-Oxlade helps families go from red to black by getting to the root of their destructive spending habits. Most families on the show did what it took to own a home, but quickly forgot about the money saving principles that got them there. Why work so hard to buy a home, and then dig yourself into debt? Buying a home is just the first step. Once you become a homeowner you still have to understand how to pave the way to financial security or, better yet, financial freedom. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Should You Have Faith In A Good Faith Estimate?</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 19:52:19 +0000</pubDate>
		<dc:creator>Kirk Charles</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[good faith estimate]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage companies]]></category>
		<category><![CDATA[refinancing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43495</guid>
		<description><![CDATA[I was speaking with a client yesterday who was thoroughly confused by the good faith estimates he received from three different mortgage companies for his refinance.  He and his better half are dream candidates for a loan officer.  They each have great jobs, better than average credit and are highly educated.  If I was still originating mortgages I’d be salivating over them.  Anyway, I looked over the good faith estimates and admittedly I was also confused although I thoroughly understand the process. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s A Short Sale In The Long Run?</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 19:18:07 +0000</pubDate>
		<dc:creator>Kirk Charles</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43367</guid>
		<description><![CDATA[Yesterday afternoon I was in an attorney's office and a gentleman came in for a real estate consultation. Unfortunately he fell way behind on his mortgage and he had to face the fact that a short sale was his only option. He then asked me, "How will the short sale affect me when I try to buy another home?" Well, it ain't pretty, so let's see what we can do.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Money Attitudes and Budgeting</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 22:58:00 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43188</guid>
		<description><![CDATA[Last weekend I attended The Money Conference for Women in Hartford, CT. A 26-year-old woman stood up and shared how she is more than $60,000 in debt as a result of student loans and credit cards. She makes about $40,000 a year working for a non-profit and one of her immediate goals was to purchase a home. The keynote speaker, Michelle Singletary, a nationally syndicated columnist, told her to pump her breaks and focus on paying off her debt first. Her story is all too familiar. A lot of people want to take on more debt before addressing their current issues.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Let&#8217;s Talk Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 00:16:16 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[grants]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[individual development account]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42935</guid>
		<description><![CDATA[The biggest hurdle to homeownership for some is the down payment and closing costs. These two expenses often deter low and moderate income individuals/families from even thinking about living the American Dream. Many people pass up the opportunity to own their own home because they’re unaware of the thousands of dollars in grant money available to assist with these expenses. The money is out there, but you need to know where to look. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Key Players</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 23:18:41 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home inspector]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[real state attorney]]></category>
		<category><![CDATA[realtor]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42673</guid>
		<description><![CDATA[Buying a home is a personal decision, but the process is not so private. Generally, you’ll work with about ten people. These include the seller, attorney, real estate agent/broker, home inspector, insurance agent, surveyor, appraiser, mortgage lender, title insurance officer, and an escrow officer. The attorney, real estate agent/broker, and the home inspector are the key players.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Qualifying For A Mortgage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 16:09:50 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[adjustable-rate mortgage]]></category>
		<category><![CDATA[ARMs]]></category>
		<category><![CDATA[fixed-rate mortgage]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42247</guid>
		<description><![CDATA[“What happens when you go to a lender,” asked Deborah Johnson, vice president and relationship manager for J.P. Morgan Chase. I didn’t know the answer and from the silence in the room, I was in good company. But Johnson, who was this week’s presenter at the Bedford Central Development Corp. homebuyer seminar series, schooled us on the mortgage process.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Getting Started</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 14:19:45 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage Bankers Association]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41838</guid>
		<description><![CDATA[The process of buying a home can be overwhelming. I feel your pain, I’m there too. But there are several resources available. Let’s do this together step by step, week by week. Follow me as I go through a 16 week Home Buyer Seminar sponsored by the Bedford Central Community Development Corp. in Brooklyn, NY. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Four Tips for Understanding A Mortgage</title>
		<link>http://www.blackenterprise.com/blogs/2009/07/29/four-tips-for-understanding-a-mortgage/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/07/29/four-tips-for-understanding-a-mortgage/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 20:39:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38020</guid>
		<description><![CDATA[Despite the housing crisis that helped submerge the nation leagues under troubled financial waters, homeownership is still essential to building wealth. As with any trial, there are lessons to be learned.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/07/29/four-tips-for-understanding-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>4</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>How to Save $66,000 on Your Mortgage</title>
		<link>http://www.blackenterprise.com/blogs/2009/06/12/how-to-save-66000-on-your-mortgage/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/06/12/how-to-save-66000-on-your-mortgage/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 18:09:46 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36057</guid>
		<description><![CDATA[What if you could pay off your 30-year mortgage in 22 years?
Would you do it?
Consider this, making bi-monthly mortgage payments instead of traditional monthly payments can shave six to eight years off a mortgage term by adding an additional payment per year, which goes directly to the principal, says Joseph Ellis, an investment strategist.
Ellis was [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/06/12/how-to-save-66000-on-your-mortgage/feed/</wfw:commentRss>
		<slash:comments>3</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[Women of Power Articles]]></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>Foreclosure Prevention Gone Awry?</title>
		<link>http://www.blackenterprise.com/blogs/2009/04/15/foreclosure-prevention-gone-awry/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/04/15/foreclosure-prevention-gone-awry/#comments</comments>
		<pubDate>Wed, 15 Apr 2009 20:36:58 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[stimulus plan]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=29920</guid>
		<description><![CDATA[The ink on President Barack Obama’s massive stimulus plan hadn’t dried before spurious Websites sprouted up promising to get Americans a piece of the billion dollar pie. As if that isn’t enough, some sly foxes set their sights on Obama’s new foreclosure prevention plan, bilking homeowners teetering on the verge of losing their houses.
Loan modification [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/04/15/foreclosure-prevention-gone-awry/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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