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	<title>Home Equity Loan, Credit Line Rates &#38; No Equity loans</title>
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	<link>http://blog.smarthomeequity.com</link>
	<description>Smart Home Equity Offers Equity Loan News, Home Equity Lines, Cash Refinancing</description>
	<pubDate>Tue, 17 Nov 2009 02:00:54 +0000</pubDate>
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			<item>
		<title>Signs that Home Equity Will Revive</title>
		<link>http://blog.smarthomeequity.com/2009/11/03/signs-that-home-equity-will-revive/</link>
		<comments>http://blog.smarthomeequity.com/2009/11/03/signs-that-home-equity-will-revive/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 18:06:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Government Mortgage Relief]]></category>

		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=25</guid>
		<description><![CDATA[For over two years home values plummeted to 2002 levels as most Americans lost their home equity. The Federal Reserve took significant measures in 2009 to restore the housing sector with historic low mortgage rates that spurred mortgage refinance activity once again.  Now, housing markets within the country are showing the first signs of stabilizing.  The [...]]]></description>
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		</item>
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		<title>Second Mortgage Modifications for Credit Lines and Equity Loans and</title>
		<link>http://blog.smarthomeequity.com/2009/09/01/second-mortgage-modifications-for-credit-lines-and-equity-loans-and/</link>
		<comments>http://blog.smarthomeequity.com/2009/09/01/second-mortgage-modifications-for-credit-lines-and-equity-loans-and/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 11:26:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Government Mortgage Relief]]></category>

		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Home Equity Programs]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=23</guid>
		<description><![CDATA[The use of second mortgage liens grew during the housing boom as homeowners extended themselves with home equity loans to consolidate debt and finance as much as 100% of the original purchase price. Administration officials estimate that modifying home equity loans could help as many as 1.5 million homeowners.  An Obama official said that &#8220;by bringing the 1st and 2nd [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/09/01/second-mortgage-modifications-for-credit-lines-and-equity-loans-and/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Federal Reserve Issues Rule Changes for Home Equity Lines of Credit Closed-End Mortgages</title>
		<link>http://blog.smarthomeequity.com/2009/07/21/federal-reserve-issues-rule-changes-for-home-equity-lines-of-credit-closed-end-mortgages/</link>
		<comments>http://blog.smarthomeequity.com/2009/07/21/federal-reserve-issues-rule-changes-for-home-equity-lines-of-credit-closed-end-mortgages/#comments</comments>
		<pubDate>Wed, 22 Jul 2009 05:38:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<category><![CDATA[Mortgage Rate News]]></category>

		<category><![CDATA[closed-end mortgages]]></category>

		<category><![CDATA[disclosures]]></category>

		<category><![CDATA[HELOCs]]></category>

		<category><![CDATA[home equity lines of credit]]></category>

		<category><![CDATA[Real Estate Settlement Procedures Act]]></category>

		<category><![CDATA[rule changes]]></category>

		<category><![CDATA[second mortgages]]></category>

		<category><![CDATA[Truth in Lending Act]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=21</guid>
		<description><![CDATA[Last week, the Federal Reserve announced they would issuing a new proposal this week under its Truth in Lending Authority that would provide for re-designed disclosures and rule changes for closed-end first and second mortgages and home equity lines of credit (HELOCs), Fed Governor Elizabeth Duke wrote in prepared comments for her testimony scheduled this [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/07/21/federal-reserve-issues-rule-changes-for-home-equity-lines-of-credit-closed-end-mortgages/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home Loan Refinancing Relief Increasing from Government Pressure</title>
		<link>http://blog.smarthomeequity.com/2009/07/02/home-loan-refinancing-relief-increasing-from-government-pressure/</link>
		<comments>http://blog.smarthomeequity.com/2009/07/02/home-loan-refinancing-relief-increasing-from-government-pressure/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 20:29:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Government Mortgage Relief]]></category>

		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<category><![CDATA[Mortgage Rate News]]></category>

		<category><![CDATA[home equity line rates]]></category>

		<category><![CDATA[home equity loans]]></category>

		<category><![CDATA[home loans]]></category>

		<category><![CDATA[mortgage refinance]]></category>

		<category><![CDATA[mortgage relief]]></category>

		<category><![CDATA[refinancing]]></category>

		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=19</guid>
		<description><![CDATA[The Obama administration has projected that 4 million to 5 million borrowers with home loans they can&#8217;t afford would be helped. A Treasury official Tuesday said that the figure applied to those who would be eligible, not necessarily those who would participate.  Administration officials do not have an updated figure of how many people would [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/07/02/home-loan-refinancing-relief-increasing-from-government-pressure/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Low Mortgage Rates Drop More as Home Buying Becomes More Appealing</title>
		<link>http://blog.smarthomeequity.com/2009/03/19/low-mortgage-rates-drop-more-as-home-buying-becomes-more-appealing/</link>
		<comments>http://blog.smarthomeequity.com/2009/03/19/low-mortgage-rates-drop-more-as-home-buying-becomes-more-appealing/#comments</comments>
		<pubDate>Thu, 19 Mar 2009 21:58:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<category><![CDATA[Mortgage Rate News]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=17</guid>
		<description><![CDATA[Certain lending banks are advertising 5.5% fixed, 30-year FHA mortgage rates, Quinn says, but obtaining one may be a little like trying to secure an invitation to dine with the Queen of England. Requirements: a mortgage of $417,000 or less; 20% down; a FICO score of at least 730-750 out of 850; a low debt/income [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/03/19/low-mortgage-rates-drop-more-as-home-buying-becomes-more-appealing/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home Values and Housing Sales Prices Decline as Obama Mortgage Rescue Plan Rolls Out</title>
		<link>http://blog.smarthomeequity.com/2009/02/25/home-values-and-housing-sales-prices-decline-as-obama-mortgage-rescue-plan-rolls-out/</link>
		<comments>http://blog.smarthomeequity.com/2009/02/25/home-values-and-housing-sales-prices-decline-as-obama-mortgage-rescue-plan-rolls-out/#comments</comments>
		<pubDate>Wed, 25 Feb 2009 08:11:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[FHA Home Financing News]]></category>

		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Mortgage News]]></category>

		<category><![CDATA[California Association of Mortgage Brokers]]></category>

		<category><![CDATA[home financing]]></category>

		<category><![CDATA[Home refinancing]]></category>

		<category><![CDATA[mortgage loan modifications]]></category>

		<category><![CDATA[mortgage refinancing]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=15</guid>
		<description><![CDATA[While most real estate evaluators would agree that Obama&#8217;s mortgage rescue plan is likely to slow foreclosures for many homeowners, some home financing experts question how much it can help in a high cost regions such as San Diego where home values have fallen so sharply. For example, the rescue plan offers much-needed refinancing to [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/02/25/home-values-and-housing-sales-prices-decline-as-obama-mortgage-rescue-plan-rolls-out/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home Equity Loan Versus Home Equity Line of Credit</title>
		<link>http://blog.smarthomeequity.com/2009/01/12/home-equity-loan-versus-home-equity-line-of-credit/</link>
		<comments>http://blog.smarthomeequity.com/2009/01/12/home-equity-loan-versus-home-equity-line-of-credit/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 07:32:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Home Equity Programs]]></category>

		<category><![CDATA[Home Equity Videos]]></category>

		<category><![CDATA[adjustable interest rates]]></category>

		<category><![CDATA[equity loan]]></category>

		<category><![CDATA[home equity lines]]></category>

		<category><![CDATA[home equity loans]]></category>

		<category><![CDATA[home equity rates]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=12</guid>
		<description><![CDATA[Both home equity loans and home equity credit lines are second mortgages, but these home equity products do have some differences with the interest rates and terms.  First of all home equity loans are installment loans with a fixed interest rate amortized on a set term.  The monthly payment for an equity loan is the [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/01/12/home-equity-loan-versus-home-equity-line-of-credit/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home Equity Line of Credit Guidelines</title>
		<link>http://blog.smarthomeequity.com/2009/01/05/home-equity-line-of-credit-guidelines/</link>
		<comments>http://blog.smarthomeequity.com/2009/01/05/home-equity-line-of-credit-guidelines/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 08:49:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[Home Equity Programs]]></category>

		<category><![CDATA[2nd mortgage lender]]></category>

		<category><![CDATA[cash out refinancing]]></category>

		<category><![CDATA[equity loan]]></category>

		<category><![CDATA[HELOC]]></category>

		<category><![CDATA[home equity lender]]></category>

		<category><![CDATA[home equity line guidelines]]></category>

		<category><![CDATA[home equity line of credit]]></category>

		<category><![CDATA[home equity lines]]></category>

		<category><![CDATA[home equity rates]]></category>

		<category><![CDATA[interest only home equity]]></category>

		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=10</guid>
		<description><![CDATA[Most home equity lenders have mortgage guidelines that vary, like loan to value, credit scores, residual income, cash out limits, loan amount limits, etc.  Some second mortgage lenders offer equity loan programs with no lending costs and annual costs for equity lines of credit. 
These days, most mortgage lenders will limit borrowers to 65% loan [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2009/01/05/home-equity-line-of-credit-guidelines/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home Equity Loan Products</title>
		<link>http://blog.smarthomeequity.com/2008/12/29/home-equity-loan-products/</link>
		<comments>http://blog.smarthomeequity.com/2008/12/29/home-equity-loan-products/#comments</comments>
		<pubDate>Mon, 29 Dec 2008 10:06:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity Programs]]></category>

		<category><![CDATA[cash out refinancing]]></category>

		<category><![CDATA[equity loan]]></category>

		<category><![CDATA[home equity credit lines]]></category>

		<category><![CDATA[Home Improvement Loans]]></category>

		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=8</guid>
		<description><![CDATA[Smart Home Equity Loans is a reliable connection for home equity loans online.  Our equity loan products range from installment 2nd mortgages with fixed interest rates to revolving home equity credit lines that offer flexibility and quick access to tax deductible cash. Most homeowners like home equity loans because they enable the borrower to get low rate [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2008/12/29/home-equity-loan-products/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Equity Loans Not Offering as Much Cash Out</title>
		<link>http://blog.smarthomeequity.com/2008/12/24/equity-loans-not-offering-as-much-cash-out/</link>
		<comments>http://blog.smarthomeequity.com/2008/12/24/equity-loans-not-offering-as-much-cash-out/#comments</comments>
		<pubDate>Wed, 24 Dec 2008 15:53:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Equity News]]></category>

		<category><![CDATA[home equity loans]]></category>

		<category><![CDATA[mortgage refinancing]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=3</guid>
		<description><![CDATA[In a recent article, Jeff Gelles writes about how, Mark Alexander is optimistic that his neighborhood and city&#8217;s economic prospects will improve. So when falling interest rates lured him to refinance his Southwest Center City home yesterday, he might have cashed out some of his equity, as many borrowers did through much of the long [...]]]></description>
		<wfw:commentRss>http://blog.smarthomeequity.com/2008/12/24/equity-loans-not-offering-as-much-cash-out/feed/</wfw:commentRss>
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