<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>Affirmations of a Certified Mortgage Planner &#187; FHFA, FHA, Fannie Mae &amp; Freddie Mac</title>
	<atom:link href="http://mycmps.wordpress.com/category/fhfa-fha-fannie-mae-freddie-mac/feed/" rel="self" type="application/rss+xml" />
	<link>http://mycmps.wordpress.com</link>
	<description>The World Through the Eyes of James K Barath</description>
	<lastBuildDate>Wed, 27 May 2009 23:34:02 +0000</lastBuildDate>
	<generator>http://wordpress.com/</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<cloud domain='mycmps.wordpress.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://www.gravatar.com/blavatar/326b162430753ffd2184926c51d215e8?s=96&#038;d=http://s.wordpress.com/i/buttonw-com.png</url>
		<title>Affirmations of a Certified Mortgage Planner &#187; FHFA, FHA, Fannie Mae &amp; Freddie Mac</title>
		<link>http://mycmps.wordpress.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://mycmps.wordpress.com/osd.xml" title="Affirmations of a Certified Mortgage Planner" />
		<item>
		<title>What is the Maximum Allowable Loan-to-Value</title>
		<link>http://mycmps.wordpress.com/2009/01/23/0822/</link>
		<comments>http://mycmps.wordpress.com/2009/01/23/0822/#comments</comments>
		<pubDate>Sat, 24 Jan 2009 00:48:32 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2009/01/23/what-is-the-maximum-allowable-loan-to-value/</guid>
		<description><![CDATA[
Much has transpired in the past 12 months, but none more important than the guideline changes announced by Fannie Mae back on September 5, 2008.
Within Announcement 08-22, Fannie Mae provided updates and clarification on the new guidelines scheduled to be implemented in the months to come. As of today, almost all changes have been implemented [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=265&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/01/23/0822/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://farm4.static.flickr.com/3332/3221553386_75f84139bc.jpg" medium="image">
			<media:title type="html">DU 7.1 Standard Eligibility Criteria</media:title>
		</media:content>
	</item>
		<item>
		<title>Are You Ready for Change?</title>
		<link>http://mycmps.wordpress.com/2008/12/16/are-you-ready-for-change/</link>
		<comments>http://mycmps.wordpress.com/2008/12/16/are-you-ready-for-change/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 23:31:27 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Fannie Mae]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=189</guid>
		<description><![CDATA[Can you feel it? Can you hear it? Can you see it?
I am not talking about the weather or Barack Obama.
During the weekend of December 13th, major updates were implemented by Fannie Mae (FNM) that will influence home financing for years to come. These updates are a game changer and will have an impact for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=189&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/12/16/are-you-ready-for-change/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://www.fanniemae.com/global/images/shared/FannieMaeLogo.gif" medium="image">
			<media:title type="html">Fannie Mae</media:title>
		</media:content>
	</item>
		<item>
		<title>Happy Thanksgiving for Whom?</title>
		<link>http://mycmps.wordpress.com/2008/11/27/happy-thanksgiving-for-whom/</link>
		<comments>http://mycmps.wordpress.com/2008/11/27/happy-thanksgiving-for-whom/#comments</comments>
		<pubDate>Fri, 28 Nov 2008 05:28:41 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=133</guid>
		<description><![CDATA[On Thursday, November 20th, Fannie Mae (FNM) and Freddie Mac (FRE) made a landmark announcement in regards to a temporary hiatus on foreclosure sales and evictions for a six week period beginning the day before Thanksgiving until January 9, 2009. At first read, politicians and consumer advocacy groups heralded the announcement as a win for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=133&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/11/27/happy-thanksgiving-for-whom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>
	</item>
		<item>
		<title>The Obama Mortgage Effect</title>
		<link>http://mycmps.wordpress.com/2008/11/13/the-obama-mortgage-effect/</link>
		<comments>http://mycmps.wordpress.com/2008/11/13/the-obama-mortgage-effect/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 22:10:54 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Legislative Acumen]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=60</guid>
		<description><![CDATA[Whether you like or dislike Barack Obama there has been pre-emptive domino effect with wall street banks and government agencies that has the markets running in circles. Everyone knows that the subprime debacle, homeownership, foreclosures and devalued real estate markets have been in the headlines and a primary reason that Democrats did so well in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=60&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/11/13/the-obama-mortgage-effect/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://mycmps.files.wordpress.com/2008/11/obama.jpg?w=227" medium="image">
			<media:title type="html">Obama Magazine Covers 2008</media:title>
		</media:content>
	</item>
		<item>
		<title>Word of the Day &#8211; Modify</title>
		<link>http://mycmps.wordpress.com/2008/11/12/word-of-the-day-modify/</link>
		<comments>http://mycmps.wordpress.com/2008/11/12/word-of-the-day-modify/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 22:08:13 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Legislative Acumen]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=55</guid>
		<description><![CDATA[It seems as if every news item surrounding the housing market entrenches the word modify. Therefore, what does modify mean. According to Dictionary.com Unabridged (v1.1) the word modify is defined as:

to change somewhat the form or qualities of; alter partially; amend: to modify a contract.
to reduce or lessen in degree or extent; moderate; soften; to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=55&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/11/12/word-of-the-day-modify/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>
	</item>
		<item>
		<title>Streamlined Modifications &#8211; Will it Help?</title>
		<link>http://mycmps.wordpress.com/2008/11/11/streamlined-modifications-will-it-help/</link>
		<comments>http://mycmps.wordpress.com/2008/11/11/streamlined-modifications-will-it-help/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 00:27:10 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Legislative Acumen]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan Modifications]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=32</guid>
		<description><![CDATA[The Federal Housing Finance Agency (FHFA) announced today that a major program designed to simplify and streamline loan modifications for struggling homeowners to prevent foreclosures had been established. The collaboration between Fannie Mae (FNM), Freddie Mac (FRM), Federal Home Loan Banks, HOPE NOW (and it&#8217;s 27 service partners), Department of Treasury, Federal Housing Administration and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=32&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/11/11/streamlined-modifications-will-it-help/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8ff77ea376a50966221950cd58c33cc9?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>
	</item>
	</channel>
</rss>