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	<title>Affirmations of a Certified Mortgage Planner &#187; Real Estate</title>
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	<description>The World Through the Eyes of James K Barath</description>
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		<title>Affirmations of a Certified Mortgage Planner &#187; Real Estate</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>
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		<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>Can Tumbling Gas Prices Save the Economy</title>
		<link>http://mycmps.wordpress.com/2008/12/03/can-tumbling-gas-prices-save-the-economy/</link>
		<comments>http://mycmps.wordpress.com/2008/12/03/can-tumbling-gas-prices-save-the-economy/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 18:33:17 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Acumen]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=155</guid>
		<description><![CDATA[14 consecutive weeks of falling gas prices has been the one bright spot on this economic downturn for many Americans. With the national average at $1.80 per gallon, gas prices have tumbled in excess of 55% from their high during the high consumption of summer driving in July.

I have seen gas prices fall from a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=155&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">GasBuddy.com</media:title>
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		<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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		<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">LoanPerformance HPI</media:title>
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		<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>
	
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		<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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		<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>
	
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		<title>The Perfect Real Estate Business Model</title>
		<link>http://mycmps.wordpress.com/2008/11/10/the-perfect-real-estate-business-model/</link>
		<comments>http://mycmps.wordpress.com/2008/11/10/the-perfect-real-estate-business-model/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 00:16:52 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=16</guid>
		<description><![CDATA[While I was sitting at the doctor&#8217;s office, it occurred to me that they have the perfect business model for real estate professionals, including us mortgage planners. Let me explain.

Had to schedule an appointment at the doctor&#8217;s convenience.
Availability is 8:30 AM &#8211; 5:00 PM.
Not available on weekends nor holidays.
Never has to answer their own phone.
Price [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=16&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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