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	<title>Home Equity Lenders with the Best Equity Loan Rates &#38; More</title>
	<link>http://blog.smarthomeequity.com</link>
	<description>Smart Home Equity Lender posts the current home equity loan rates daily and publishes emerging home equity news for home improvement financing &#38; cash refinancing loans</description>
	<lastBuildDate>Tue, 27 Dec 2011 14:23:19 +0000</lastBuildDate>
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		<title>Payroll Tax Cut Funded by Fannie Mae, Freddie Mac and FHA</title>
		<description><![CDATA[The Payroll tax cut is going to be paid by borrowers who refinance or purchase a home through one of the government finance vehicles like Fannie Mae, Freddie Mac or FHA. Just about everyone in Congress and the Obama administration say they would like to wind down the government&#8217;s near-monopoly of the mortgage market, but [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/12/27/payroll-tax-cut-funded-by-fannie-mae-freddie-mac-and-fha/</link>
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		<title>Home Affordable Refinance Program 2.0</title>
		<description><![CDATA[One of the biggest obstacles for homeowners has been finding a mortgage that enables them to refinance their underwater loan. The Government rolled out the first phase of the HARP mortgage a few few years ago that allowed people to refinance up to 125% if they had a mortgage owned by Fannie Mae or Freddie [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/12/27/home-affordable-refinance-program-2-0/</link>
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		<title>Debt Consolidation Solutions with a 2nd Mortgage Loan</title>
		<description><![CDATA[Credit card debt can feel overwhelming and impossible to get out from under.  One of the main reasons for this is the extremely high interest rates and the revolving calculation of interest that makes it very difficult to actually pay off large amounts of debt.  Many home owners are realizing that eliminating revolving debt can [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/08/05/debt-consolidation-solutions-with-a-2nd-mortgage-loan/</link>
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		<title>Let Solar Energy Make Your Home Equity Loan Payment</title>
		<description><![CDATA[One of the most popular purposes for taking out a home equity loan is to finance home repairs, construction and remodeling.  One of the best ways to raise your property&#8217;s value is to finance home improvements. Improve Curb Appeal Remodel Your Kitchen Install a Solar Energy System Homeowners have the luxury of taking out a [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/05/06/let-solar-energy-make-your-home-equity-loan-payment/</link>
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		<title>Finance Energy Efficiency with an FHA Home Equity Loan</title>
		<description><![CDATA[The U.S. government announced a FHA home equity loan program that cost-effectively finances energy efficient appliances and solar energy installation.  Home equity rates have declined to record lows as the cost of money continues to be cheap because the Federal Reserve has kept the discount rates at nearly zero.  Most second mortgage programs require equity, [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/05/05/finance-energy-with-fha-home-equity-loan/</link>
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		<title>Why Home Loan Rates Will Not Stay Low Forever</title>
		<description><![CDATA[Americans have been blessed with record low mortgage rates for almost five years now.  With food and energy costs rising, it will be difficult for the Federal Reserve to keep the rates low. It may be as good a reason as any to believe that current mortgage interest rates can’t remain below 5% for much longer. There [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/05/04/why-home-loan-rates-will-not-stay-low-forever/</link>
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		<title>Consolidating Debt with a Home Equity Loan</title>
		<description><![CDATA[If high interest on various kinds of debts have you worried, now may be the time to look into consolidating debt with a second mortgage or a home equity loan—the two terms are identical in meaning, but a difference arises when you select a home equity line of credit.  A fixed rate second mortgage will [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/03/11/consolidating-debt-with-a-home-equity-loan/</link>
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		<title>Negative Home Equity Rates Rising</title>
		<description><![CDATA[According to CoreLogic, the number of homeowners whose home loans are underwater edged up in the fourth quarter as dropping home prices continued to reduce the amount of home equity borrowers have to work with. Whether you are looking to get cash out of your home, qualify for a refinance or simply sell your home for a [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/03/10/negative-home-equity-rates-rising/</link>
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		<title>Compare Home Equity Loan Refinancing</title>
		<description><![CDATA[Whether you are shopping around for a more flexible equity line or looking for options regarding home equity refinancing, you will likely find fixed rate second mortgage options to be more appealing, at least in these economic times.  Before you decide to combine your home equity loan and first mortgage together or refinance variable rate [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/03/10/compare-home-equity-loan-refinancing/</link>
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		<title>Home Equity Loans for Consolidating Debt</title>
		<description><![CDATA[Many homeowners have used home equity loans to consolidate credit card debt and adjustable rate loans.  It makes financial sense to refinance compounding interest debt into a fixed simple interest equity loan.  The reality is that credit card carry variable interest rates and home equity loans are second mortgages that feature a fixed interest rate [...]]]></description>
		<link>http://blog.smarthomeequity.com/2011/01/17/home-equity-loans-for-consolidating-debt-2/</link>
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