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	<title>Affirmations of a Certified Mortgage Planner &#187; Mortgage Acumen</title>
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	<link>http://mycmps.wordpress.com</link>
	<description>The World Through the Eyes of James K Barath</description>
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		<title>Affirmations of a Certified Mortgage Planner &#187; Mortgage Acumen</title>
		<link>http://mycmps.wordpress.com</link>
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		<title>Do You Know When to Lock Your Mortgage Interest Rate</title>
		<link>http://mycmps.wordpress.com/2009/02/17/do-you-know-when-to-lock-your-mortgage-interest-rate/</link>
		<comments>http://mycmps.wordpress.com/2009/02/17/do-you-know-when-to-lock-your-mortgage-interest-rate/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 19:25:05 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[FNMA Mortgage Bonds]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=332</guid>
		<description><![CDATA[
As with anything in life, things often seem much easier on the surface than they actually are in reality. Take a look at the image of this morning&#8217;s trade of Fannie Mae mortgage bonds for example.
You may ask why this is important to mortgage rates?
Fannie Mae mortgage bonds are the underlying security that residential home [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=332&subd=mycmps&ref=&feed=1" />]]></description>
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			<media:title type="html">FNMA Bond Trend 20090217</media:title>
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		<item>
		<title>Is Obama Banking on Recovery</title>
		<link>http://mycmps.wordpress.com/2009/02/02/is-obama-banking-on-recovery/</link>
		<comments>http://mycmps.wordpress.com/2009/02/02/is-obama-banking-on-recovery/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 16:22:54 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=285</guid>
		<description><![CDATA[
The newly elected President Obama is under a microscope now that he has to create legislative action to fix the economy. It is no doubt that his 1st 100 days will be scrutinized for many years to come. Ironically, much of his plans are reminiscent of the &#8220;New Deal&#8221; implemented by former President Franklin D [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=285&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Banking on Recovery</media:title>
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		<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>
	
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			<media:title type="html">DU 7.1 Standard Eligibility Criteria</media:title>
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		<title>The Grinch Who Stole Consumer Confidence</title>
		<link>http://mycmps.wordpress.com/2008/12/23/the-grinch-who-stole-consumer-confidence/</link>
		<comments>http://mycmps.wordpress.com/2008/12/23/the-grinch-who-stole-consumer-confidence/#comments</comments>
		<pubDate>Tue, 23 Dec 2008 17:34:15 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[PollDaddy.com]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=222</guid>
		<description><![CDATA[During the holiday season, many find comfort in the traditions that have been passed on from generation to generation. I personally enjoy the gathering of family to enjoy the new found awareness of children to the whole spectacle we call Christmas. From the &#8220;I love Santa&#8221; chants to the &#8220;I am scared of the Grinch&#8221; [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=222&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<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>
	
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			<media:title type="html">Fannie Mae</media:title>
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		<title>Loan Modifications Will Only Exacerbate Housing Troubles</title>
		<link>http://mycmps.wordpress.com/2008/12/08/loan-modifications-will-only-exacerbate-housing-troubles/</link>
		<comments>http://mycmps.wordpress.com/2008/12/08/loan-modifications-will-only-exacerbate-housing-troubles/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 03:30:11 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=177</guid>
		<description><![CDATA[As is the norm, speculation and trigger words often get the headlines in the media outlets. Unless you have been in a bomb shelter, it has been unavoidable to hear all of the debate around a successful loan modification program and/or system to help troubled homeowners.
It has been such an important topic that the president-elect [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=177&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2008/12/08/loan-modifications-will-only-exacerbate-housing-troubles/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">Loan Modification Results with High Re-Default Rate</media:title>
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		<item>
		<title>Time is of the Essence</title>
		<link>http://mycmps.wordpress.com/2008/12/02/time-is-of-the-essence/</link>
		<comments>http://mycmps.wordpress.com/2008/12/02/time-is-of-the-essence/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 21:06:13 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=153</guid>
		<description><![CDATA[For real estate agents and attorneys, the phrase “time is of the essence” highlights an unparalleled importance on part of the process that manages the receipt and response to a purchase agreement.
Likewise, mortgage professionals also utilize this phrase for emphasizing the critical process of facilitating the loan process within an allotted lock period.
Most banks and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=153&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Time is of the Essence</media:title>
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		<item>
		<title>What Are the Real Trends in Home Value</title>
		<link>http://mycmps.wordpress.com/2008/12/01/what-are-the-real-trends-in-home-value/</link>
		<comments>http://mycmps.wordpress.com/2008/12/01/what-are-the-real-trends-in-home-value/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 22:27:42 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=144</guid>
		<description><![CDATA[No matter what your role in the real estate industry, understanding trends in home values is absolutely critical. With a shortage of active credit facilities and historic-low appetite for mortgage-backed securities, one must be able to decipher and interpret the data that drives lenders acceptance of residential real estate as collateral.
Although the Case-Schiller Home Price [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=144&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
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			<media:title type="html">LoanPerformance HPI</media:title>
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		<item>
		<title>Health Care &amp; Mortgages&#8230;Not So Different</title>
		<link>http://mycmps.wordpress.com/2008/11/15/health-care-mortgages-not-so-different/</link>
		<comments>http://mycmps.wordpress.com/2008/11/15/health-care-mortgages-not-so-different/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 18:17:33 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=80</guid>
		<description><![CDATA[As I was reading the article &#8220;Employers Offer Workers Fewer Health Care Plans&#8220; posted in this morning&#8217;s NY Times, it occurred to me that the article was very reminiscent of the mortgage industry. If you removed all the health care jargon from the article and replaced with mortgage lingo you would come to the same [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=80&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
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			<media:title type="html">Upfront Obligations</media:title>
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		<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>
	
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			<media:title type="html">myCMPS</media:title>
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		<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>
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		<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>
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		<slash:comments>0</slash:comments>
	
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