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	<title>Patty Manzi's Tri-Valley Real Estate Blog &#187; Mortgage Information</title>
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	<link>http://pattymanzi.com</link>
	<description>The fastest way to get the inside scoop for what's happening with Pleasanton, Dublin, and Livermore real estate.</description>
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		<title>Selective Defaulters are on the rise</title>
		<link>http://pattymanzi.com/2010/07/14/selective-defaulters-are-on-the-rise/</link>
		<comments>http://pattymanzi.com/2010/07/14/selective-defaulters-are-on-the-rise/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 04:24:29 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=398</guid>
		<description><![CDATA[Image via Wikipedia



There is now a new name for people who voluntarily default on their mortgages.  The &#8217;selective defaulter&#8217; is someone who has a stable income and can more than afford their mortgage payments &#38; monthly expenses, but because their home has lost value and is worth less than is owed on the mortgage, the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HomePath Financing Program for REO homes</title>
		<link>http://pattymanzi.com/2010/01/17/homepath-financing-program/</link>
		<comments>http://pattymanzi.com/2010/01/17/homepath-financing-program/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 03:49:57 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">/?p=278</guid>
		<description><![CDATA[The HomePath financing program is a program designed to move REO homes.  The benefits of this program include:

Low down payment and flexible mortgage terms, including fixed-rate &#38; adjustable, at as little as 5%.
Borrowers with less than perfect credit may qualify
Available for owner occupied properties, or second home investments
The down payment of at least 3% can [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New License Requirements for Mortgage Loan Activities!</title>
		<link>http://pattymanzi.com/2010/01/04/new-license-requirements-for-mortgage-loan-activities/</link>
		<comments>http://pattymanzi.com/2010/01/04/new-license-requirements-for-mortgage-loan-activities/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 17:11:04 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">/?p=244</guid>
		<description><![CDATA[Happy New Year! 
Along with the hope of prosperity, the new year also brings with it some new and exciting changes in our state and federal laws.  One important change will be new license requirements for anyone conducting mortgage loan activities.
As of January 1, 2010 new license requirements go into effect for anyone conducting residential or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It takes more than a down-payment to buy a home.</title>
		<link>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/</link>
		<comments>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 05:40:47 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">/?p=194</guid>
		<description><![CDATA[I talk to lots of people about buying homes.  Not long ago I was talking to a newlywed couple and they mentioned they wanted to buy a house and they were saving for a down-payment.  I then asked them what else they were doing to prepare for the home purchase.  They looked at me with [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Getting Pre-Approved for a loan</title>
		<link>http://pattymanzi.com/2009/07/15/getting-pre-approved-for-a-loan/</link>
		<comments>http://pattymanzi.com/2009/07/15/getting-pre-approved-for-a-loan/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 22:38:54 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Pleasanton California Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=97</guid>
		<description><![CDATA[I was asked the other day about why someone would need to get &#8216;pre-approved&#8217; for a loan before looking for a home.  Here&#8217;s why:
If you are serious about buying a home, your next step is to get a &#8216;pre-approval&#8217; from a reputable Lender.  By doing this before looking at homes, you&#8217;ll save yourself time, energy, and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>FREE ANNUAL CREDIT REPORT STILL AVAILABLE!</title>
		<link>http://pattymanzi.com/2009/07/11/free-annual-credit-report-still-available/</link>
		<comments>http://pattymanzi.com/2009/07/11/free-annual-credit-report-still-available/#comments</comments>
		<pubDate>Sat, 11 Jul 2009 18:00:24 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Pleasanton California Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=73</guid>
		<description><![CDATA[The year is half-over, but its not too late to  remind you that each year you are eligible to receive a FREE copy of your consumer credit report from each of the three major credit bureaus.  TransUnion, Experian, and Equifax will provide these to you at NO CHARGE. 
Go to www.AnnualCreditReport.com to obtain your FREE reports.  There [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>California Homebuyer&#8217;s Downpayment Assistance Program</title>
		<link>http://pattymanzi.com/2009/07/08/california-homebuyers-downpayment-assistance-program/</link>
		<comments>http://pattymanzi.com/2009/07/08/california-homebuyers-downpayment-assistance-program/#comments</comments>
		<pubDate>Wed, 08 Jul 2009 19:42:55 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=39</guid>
		<description><![CDATA[On June 8th, CalHFA reinstated the California Homebuyer&#8217;s Downpayment Assistance Program (CHDAP).
CHDAP provides down payment or closing cost assistance to qualified borrowers in the form of a deferred payment junior loan up to 3% of the sales price or appraised value of the home, whichever is less.   Borrower’s qualification include, but not limited to the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Streamlined Loan Modification Programs</title>
		<link>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/</link>
		<comments>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/#comments</comments>
		<pubDate>Tue, 30 Nov 1999 07:00:00 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/2009/01/11/streamlined-loan-modification-programs/</guid>
		<description><![CDATA[Loan Modification Program kicks in: On Monday (12/15), the Streamlined Loan Modification Program (SLMP) policies regarding loan modifications and foreclosure prevention became effective. The new policies apply to mortgages held by Fannie Mae, Freddie Mac and privately-held securities.
According to the Federal Housing Finance Agency eligible borrowers must meet the following criteria:

They must be owner-occupants;

They have missed three [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CalHFA Suspends Program</title>
		<link>http://pattymanzi.com/2009/01/11/calhfa-suspends-program/</link>
		<comments>http://pattymanzi.com/2009/01/11/calhfa-suspends-program/#comments</comments>
		<pubDate>Tue, 30 Nov 1999 07:00:00 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/2009/01/11/calhfa-suspends-program/</guid>
		<description><![CDATA[As of December 19th, CalHFA suspended the following active CalHFA First Mortgage Fixed Rate Loan Programs and Down Payment Assistance Programs:

30-year fixed mortgage products, including Moderate Income, Low Income, Non-Profits &#38; Affordable Housing Partnership Programs (AHPP), Extra Credit Teacher Programs (ECTP)
California Homebuyer&#8217;s Down Payment Assistance Program (CHDAP)
Extra Credit Teacher Program (ECTP)
School Facility Fee Down Payment [...]]]></description>
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		<slash:comments>0</slash:comments>
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