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	<title>Michigan Mortgage &#187; loan modification</title>
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	<description>Michigan Mortgage - Get The Advice You Deserve - Cornerstone Home Loans</description>
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		<title>What Is the Process of Getting a loan Modification?</title>
		<link>http://www.lansingmimortgage.com/what-is-the-process-of-getting-a-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/what-is-the-process-of-getting-a-loan-modification.html#comments</comments>
		<pubDate>Mon, 28 Mar 2011 17:12:30 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[alternative to foreclosure]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[getting a loan modification]]></category>
		<category><![CDATA[loan counselor]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[trial periods]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=960</guid>
		<description><![CDATA[In the previous posts we’ve looked at loan modifications from a few different perspectives: the bank’s motivation, a big-picture definition, and a nuts-and-bolts, real-life example. Today I’ll lay out how to make it happen...]]></description>
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		<title>How do Loan Modifications Work?</title>
		<link>http://www.lansingmimortgage.com/how-do-loan-modifications-work.html</link>
		<comments>http://www.lansingmimortgage.com/how-do-loan-modifications-work.html#comments</comments>
		<pubDate>Fri, 18 Mar 2011 14:57:38 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[achieve a lower payment]]></category>
		<category><![CDATA[ARM loan]]></category>
		<category><![CDATA[current interest rate]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[loan balance]]></category>
		<category><![CDATA[loan calculator]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan term]]></category>
		<category><![CDATA[reduce the interest rate]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=957</guid>
		<description><![CDATA[When looking into a loan modification it’s important to get a little refresher on personal finance. A simple loan calculator can help you. I would suggest playing around with your numbers before you contact your bank so that you have in mind one or two ways that a modification might help you...]]></description>
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		<title>What is a Loan Modification?</title>
		<link>http://www.lansingmimortgage.com/what-is-a-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/what-is-a-loan-modification.html#comments</comments>
		<pubDate>Thu, 10 Mar 2011 14:53:50 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[bank assets]]></category>
		<category><![CDATA[debt restructuring]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan performing well]]></category>
		<category><![CDATA[not a refinance]]></category>
		<category><![CDATA[refinance approved]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=955</guid>
		<description><![CDATA[A loan modification is not a refinance. There are few, if any, fees involved as a result, and no new mortgage is written. The existing mortgage is simply modified. The modification can be slight or it can be all-encompassing.

The main difference between loan mod’s and refi’s, however, has to do with qualifying. When you apply for a refinance the game is to look as strong as possible financially. The better you look the easier it is to get the refinance approved. The same goes with purchasing a new home...]]></description>
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		<title>Loan Modification &#8211; The End of the Road or Just the Road Less Traveled?</title>
		<link>http://www.lansingmimortgage.com/loan-modification-the-end-of-the-road-or-just-the-road-less-traveled.html</link>
		<comments>http://www.lansingmimortgage.com/loan-modification-the-end-of-the-road-or-just-the-road-less-traveled.html#comments</comments>
		<pubDate>Sat, 05 Mar 2011 18:47:31 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss loan]]></category>
		<category><![CDATA[refinancing home loans]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[Why Bother Refinancing]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=951</guid>
		<description><![CDATA[Why do Lenders Modify Loans?

Since we began working with Dave Ramsey’s listeners through our preferred partnership with Churchill Mortgage in November of 2009, I talk with no less than 100 families per month about refinancing their homes. For most, the call quickly becomes a math problem that essentially determines the cost and benefit of the loan and whether or not the person would be better off by simply adding money to their monthly payment and just paying it off more quickly on their own. Refinancing makes sense for some, and for others they should just keep doing what they are doing.

Sometimes though, it’s more complicated and difficult. Yesterday was one of those calls...]]></description>
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		<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>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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