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	<title>Michigan Mortgage &#187; foreclosure</title>
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	<link>http://www.lansingmimortgage.com</link>
	<description>Michigan Mortgage - Get The Advice You Deserve - Cornerstone Home Loans</description>
	<lastBuildDate>Mon, 10 Oct 2011 10:00:41 +0000</lastBuildDate>
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		<title>A Year of No Mortgage Payments?</title>
		<link>http://www.lansingmimortgage.com/a-year-of-no-mortgage-payments.html</link>
		<comments>http://www.lansingmimortgage.com/a-year-of-no-mortgage-payments.html#comments</comments>
		<pubDate>Wed, 13 Jul 2011 14:14:28 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[mortgage relief]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1079</guid>
		<description><![CDATA[This video is well done and illustrates why we don’t want the government fixing our housing problems. It would be a lot funnier if it weren&#8217;t real. After watching this video, resolve to stop voting for or promoting programs like these. They do not work]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MERS Lawsuit Fouls up Foreclosures</title>
		<link>http://www.lansingmimortgage.com/mers-lawsuit-fouls-up-foreclosures.html</link>
		<comments>http://www.lansingmimortgage.com/mers-lawsuit-fouls-up-foreclosures.html#comments</comments>
		<pubDate>Thu, 09 Jun 2011 12:27:40 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mers]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1068</guid>
		<description><![CDATA[Some foreclosures in Ingham County may have just gotten a lot more complicated. Last month the Michigan Court of Appeals ruled that Mortgage Electronic Registration Systems (MERS), a private company, did not have the right to use the state’s “Foreclosure by Advertisement” law to initiate foreclosures. MERS is an electronic registry that tracks servicing rights and [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>What does “every possible effort” mean?</title>
		<link>http://www.lansingmimortgage.com/what-does-%e2%80%9cevery-possible-effort%e2%80%9d-mean.html</link>
		<comments>http://www.lansingmimortgage.com/what-does-%e2%80%9cevery-possible-effort%e2%80%9d-mean.html#comments</comments>
		<pubDate>Wed, 11 Aug 2010 12:13:56 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[every possible effort]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage lender]]></category>
		<category><![CDATA[one income family]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=885</guid>
		<description><![CDATA[My previous post  was a real downer, and at the end I promised a more positive one for my next post.  Here it is.  I hope this story encourages you as much as it has encouraged me.

The best way for me to define “every possible effort” is with a story.  I have dozens like it that I could have chosen from. I like this one a lot, and it’s all true...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>But it’s not my fault!</title>
		<link>http://www.lansingmimortgage.com/but-it%e2%80%99s-not-my-fault.html</link>
		<comments>http://www.lansingmimortgage.com/but-it%e2%80%99s-not-my-fault.html#comments</comments>
		<pubDate>Fri, 06 Aug 2010 17:10:45 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[every possible effort]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[making payments on time]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[three year rule]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=881</guid>
		<description><![CDATA[Yesterday I had a scheduled call with a new prospective client. It was a script I hear often:

Client: “Here I am, minding my own business and making all of my payments on time and then through no fault of my own and because of all of these greedy banks, lying politicians, and people trying to get something for nothing, my house is worth half of what I paid for it. After two years of that, I decided it’s time to get what’s mine.”

My response...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>BUY NOW! Part IV &#8211; Supply and Demand &amp; Real Estate Investors</title>
		<link>http://www.lansingmimortgage.com/buy-now-part-iv-supply-and-demand-real-estate-investors.html</link>
		<comments>http://www.lansingmimortgage.com/buy-now-part-iv-supply-and-demand-real-estate-investors.html#comments</comments>
		<pubDate>Fri, 21 May 2010 15:16:23 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buy Now]]></category>
		<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling A Home]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[property values]]></category>
		<category><![CDATA[real estate investment]]></category>
		<category><![CDATA[supply and demand]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=774</guid>
		<description><![CDATA[Foreclosure is the name of the game on a couple of levels.  First, these are the deals that are attractive to investors because they can get homes at a deep discount.  Second, it is the presence of these deals that keep the total market low into the future, which keeps them from reaping the reward from selling the properties.

This is the tricky part – both of the following statements are true...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Need a Reason to Make Your Payments?  How about &#8211; It&#8217;s YOUR Mortgage!</title>
		<link>http://www.lansingmimortgage.com/need-a-reason-to-make-your-payments-how-about-its-your-mortgage.html</link>
		<comments>http://www.lansingmimortgage.com/need-a-reason-to-make-your-payments-how-about-its-your-mortgage.html#comments</comments>
		<pubDate>Wed, 13 Jan 2010 16:13:02 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[mortgage holders]]></category>
		<category><![CDATA[Wall Street Journal]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=451</guid>
		<description><![CDATA[The article I'm referrencing from the Wall Street Journal today is by Peter Eavis and shows a chart with a straight line increase in foreclosures from 2006 through the end of the the 3rd quarter, 2009.   The percentage of mortgage holders that are 90 days past due is rising at a scary pace - now over 8%!  The scary part of that number is not the number but the current direction...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/need-a-reason-to-make-your-payments-how-about-its-your-mortgage.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Making Homes Affordable (MHA) FAQs</title>
		<link>http://www.lansingmimortgage.com/making-homes-affordable-mha-faqs.html</link>
		<comments>http://www.lansingmimortgage.com/making-homes-affordable-mha-faqs.html#comments</comments>
		<pubDate>Tue, 18 Aug 2009 13:39:23 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[faqs]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[making homes affordable]]></category>
		<category><![CDATA[mha]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=53</guid>
		<description><![CDATA[Since March of this year, qualified homeowners have been able to renegotiate the terms of their mortgages through the Making Homes Affordable plan (MHA), a federally-subsidized program designed to check the foreclosure freefall by...]]></description>
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		<slash:comments>0</slash:comments>
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