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	<title>Mortgage Blog &#187; Housing Market</title>
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	<description>Mortgage and Home Refinance Information</description>
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		<title>An Open Letter to the President-Elect</title>
		<link>http://blog.freehomerefi.com/housing-market/an-open-letter-to-the-president-elect/</link>
		<comments>http://blog.freehomerefi.com/housing-market/an-open-letter-to-the-president-elect/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 22:44:18 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=119</guid>
		<description><![CDATA[One of the partners at FreeHomeRefi.com recently sent a letter to the President-elect Barack Obama.
This is part of our ongoing commitment to rejuvenate the housing market in the United States and find reasonable solutions for all homeowners.  We will continue to be hard at work finding solutions to the current mortgage situation.  Feel free to [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Hello America. Is there anyone home?</title>
		<link>http://blog.freehomerefi.com/housing-market/hello-america-is-there-anyone-home/</link>
		<comments>http://blog.freehomerefi.com/housing-market/hello-america-is-there-anyone-home/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 20:25:29 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=38</guid>
		<description><![CDATA[Is there anyone paying attention to what is going on in our world, especially here in your back yard?  From talks of government bailouts, to the crisis which is oil  our country is spiraling towards a nowhere land of overbought houses, empty pocket books and over inflated goods.  I&#8217;m not sure if anyone really remembers [...]]]></description>
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		<slash:comments>13</slash:comments>
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		<title>Federal Reserve Mortgage Rates</title>
		<link>http://blog.freehomerefi.com/housing-market/federal-reserve-mortgage-rates/</link>
		<comments>http://blog.freehomerefi.com/housing-market/federal-reserve-mortgage-rates/#comments</comments>
		<pubDate>Mon, 08 Sep 2008 23:58:56 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=37</guid>
		<description><![CDATA[The Federal Reserve announced on Friday that it will be essentially taking over the troubled Fannie Mae and Freddie Mac.  Fannie Mae and Freddie Mac currently account for about 50% of the nation&#8217;s $12 trillion of mortgages.  What does this mean for homeowners and mortgage rates?  Will this be enough to save the troubled mortgage [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Is it Time for a New Home?</title>
		<link>http://blog.freehomerefi.com/housing-market/is-it-time-for-a-new-home/</link>
		<comments>http://blog.freehomerefi.com/housing-market/is-it-time-for-a-new-home/#comments</comments>
		<pubDate>Wed, 20 Aug 2008 23:18:28 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=32</guid>
		<description><![CDATA[The recent drop in home prices may be starting to level off allowing home owners to pursue a home refinance or purchase a new home.  You can almost feel it starting to happen.  For the first time in a long time folks are starting to talk about purchasing homes again.  If you are wondering about [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Should I Stay or Should I Go Now?</title>
		<link>http://blog.freehomerefi.com/housing-market/should-i-stay-or-should-i-go-now/</link>
		<comments>http://blog.freehomerefi.com/housing-market/should-i-stay-or-should-i-go-now/#comments</comments>
		<pubDate>Wed, 30 Jul 2008 20:28:14 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=29</guid>
		<description><![CDATA[Should I stay or should I go now?  This is a national dilemma facing many Americans today.  The facts are plain and simple, many Americans took cash out of their home via a home refinance and often times financed themselves into loans with low start rates or teaser payments.  Now here in lies the issue, [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Refi Your Life</title>
		<link>http://blog.freehomerefi.com/housing-market/refi-your-life/</link>
		<comments>http://blog.freehomerefi.com/housing-market/refi-your-life/#comments</comments>
		<pubDate>Tue, 29 Jul 2008 00:17:29 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=28</guid>
		<description><![CDATA[The economy is struggling.  Home prices have been falling for several years now.  Foreclosures are increasing monthly.  Gas prices are through the roof.  The dollar is decreasing steadily.  Everything we buy has increased in price.  Unemployment numbers are going up monthly.  It does sound bad, but this can be a great chance to refi your [...]]]></description>
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		<slash:comments>21</slash:comments>
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		<title>Broker Vs. Banker</title>
		<link>http://blog.freehomerefi.com/housing-market/broker-vs-banker/</link>
		<comments>http://blog.freehomerefi.com/housing-market/broker-vs-banker/#comments</comments>
		<pubDate>Tue, 22 Jul 2008 00:16:24 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=27</guid>
		<description><![CDATA[Broker Vs. Banker
Mortgage Brokers and Mortgage Bankers &#8212; Which is Better?
If you have ever financed the purchase of a home or completed a home refinance, chances are that you used the services of a mortgage banker or mortgage broker.
What&#8217;s the difference, you ask? Great question! A mortgage broker is approved with various direct lenders to [...]]]></description>
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		<slash:comments>9</slash:comments>
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		<title>Home Buyers, Is it time to Buy a Home?</title>
		<link>http://blog.freehomerefi.com/housing-market/home-buyers-is-it-time-to-buy-a-home/</link>
		<comments>http://blog.freehomerefi.com/housing-market/home-buyers-is-it-time-to-buy-a-home/#comments</comments>
		<pubDate>Fri, 18 Jul 2008 23:44:49 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=22</guid>
		<description><![CDATA[Time to Buy?
It is time to buy a new home?  That is the question many Americans are asking themselves.  The answer quite frankly is different for everyone.  There has been a drastic dip in home prices over the last couple of years which has sparked interest for investors and first time home [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The State of Stated Income Loans</title>
		<link>http://blog.freehomerefi.com/housing-market/the-state-of-stated-income-loans/</link>
		<comments>http://blog.freehomerefi.com/housing-market/the-state-of-stated-income-loans/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 21:20:56 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=18</guid>
		<description><![CDATA[Stated Income Loans
Stated income mortgage loans were among the most popular loan programs over the last decade or so.  What is a stated income mortgage loan when it comes to a home refinance?  It is exactly as it sounds, the borrower simply states their income.  Employment is verified by the mortgage company [...]]]></description>
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		<slash:comments>0</slash:comments>
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