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	<title>eMortgage Solution</title>
	<link>http://emortgagesolution.net</link>
	<description>Mortgage news and information.</description>
	<lastBuildDate>Sat, 06 Mar 2010 20:23:20 +0000</lastBuildDate>
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		<title>Is The Canadian Housing Market Sustainable?</title>
		<description><![CDATA[Is the Canadian economy a success story that we should follow, or are the Canadians traveling down the same path as the American economy?  This is an important question for the citizens here in the U.S.  We are watching as Canada announces better economic numbers and predicting increasing home sales.  According to Canada Mortgage and [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/california-housing-woes-to-continue/' rel='bookmark' title='Permanent Link: California Housing Woes To Continue'>California Housing Woes To Continue</a></li>
<li><a href='http://emortgagesolution.net/2009/more-mortgage-woes-ahead/' rel='bookmark' title='Permanent Link: More Mortgage Woes Ahead'>More Mortgage Woes Ahead</a></li>
<li><a href='http://emortgagesolution.net/2010/pending-home-sales-drop-market-looks-bleak/' rel='bookmark' title='Permanent Link: Pending Home Sales Drop, Market Looks Bleak'>Pending Home Sales Drop, Market Looks Bleak</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/is-the-canadian-housing-market-sustainable/</link>
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		<title>&#8216;Seasonality Disorder&#8217; In The Housing Market?</title>
		<description><![CDATA[Credit research company TransUnion has just released a report that shows mortgage loan delinquencies have increased and are up for the 12th quarter in a row.  RealtyTrac predicts the number of foreclosures will increase to three million in 2010.  Some experts see this number as conservative.  The total unemployment number is also expected to rise [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2008/bernanke-expects-housing-recovery/' rel='bookmark' title='Permanent Link: Bernanke Expects Housing Recovery'>Bernanke Expects Housing Recovery</a></li>
<li><a href='http://emortgagesolution.net/2009/fed-says-growth-likely-to-return/' rel='bookmark' title='Permanent Link: Fed Says Growth Likely To Return'>Fed Says Growth Likely To Return</a></li>
<li><a href='http://emortgagesolution.net/2009/california-housing-woes-to-continue/' rel='bookmark' title='Permanent Link: California Housing Woes To Continue'>California Housing Woes To Continue</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/seasonality-disorder-in-the-housing-market/</link>
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		<title>FTC Proposes Up-Front Fee Ban for Mortgage Modifications</title>
		<description><![CDATA[The Federal Trade Commission has proposed a new rule that would ban third party mortgage companies from charging up-front fees for mortgage modification and foreclosure rescue.  Under the new FTC rule, third party mortgage companies would only receive payment after services are completed for the borrower.  These companies would also be required to disclose the [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/mortgage-delinquencies-continue-to-increase/' rel='bookmark' title='Permanent Link: Mortgage Delinquencies Continue to Increase'>Mortgage Delinquencies Continue to Increase</a></li>
<li><a href='http://emortgagesolution.net/2009/democrats-say-lenders-are-falling-short/' rel='bookmark' title='Permanent Link: Democrats Say Lenders Are Falling Short'>Democrats Say Lenders Are Falling Short</a></li>
<li><a href='http://emortgagesolution.net/2009/strategic-defaults-a-cause-for-concern/' rel='bookmark' title='Permanent Link: Strategic Mortgage Defaults A Cause For Concern'>Strategic Mortgage Defaults A Cause For Concern</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/ftc-proposes-up-front-fee-ban-for-modifications/</link>
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		<title>Coalition Proposes Mortgage Principal Reduction Plan</title>
		<description><![CDATA[This week a group of mortgage investors proposed a principal reduction plan to congress.  This proposal will encourage a new phase in the HAMP program and would also give homeowners the ability and  incentive to pay their mortgage loans.  These proposals are from the Mortgage Investors Coalition, lead by the Fortress Investment Group, a New [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/obamas-mortgage-relief-plan/' rel='bookmark' title='Permanent Link: Obama&#8217;s Mortgage Relief Plan'>Obama&#8217;s Mortgage Relief Plan</a></li>
<li><a href='http://emortgagesolution.net/2009/making-home-affordable/' rel='bookmark' title='Permanent Link: Making Home Affordable'>Making Home Affordable</a></li>
<li><a href='http://emortgagesolution.net/2009/more-foreclosures-imminent/' rel='bookmark' title='Permanent Link: More Foreclosures Imminent'>More Foreclosures Imminent</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/coalition-proposes-mortgageprincipal-reduction-plan/</link>
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		<title>FHA Announces Tighter Restrictions On Lending</title>
		<description><![CDATA[This week the Federal Housing Administration announced tighter restrictions will be placed on lending requirements.  This is being done in the hope of reducing risks and strengthening the nations&#8217; financial health.  FHA Commissioner, David Stevens outlined a set of policy changes that will enable the agency to fulfill its mission to provide access to home [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/california-legislation-tightens-restrictions-on-lenders/' rel='bookmark' title='Permanent Link: California Legislation Tightens Restrictions On Lenders'>California Legislation Tightens Restrictions On Lenders</a></li>
<li><a href='http://emortgagesolution.net/2009/fha-planning-stricter-loan-requirements/' rel='bookmark' title='Permanent Link: FHA Planning Stricter Loan Requirements'>FHA Planning Stricter Loan Requirements</a></li>
<li><a href='http://emortgagesolution.net/2010/ftc-proposes-up-front-fee-ban-for-modifications/' rel='bookmark' title='Permanent Link: FTC Proposes Up-Front Fee Ban for Mortgage Modifications'>FTC Proposes Up-Front Fee Ban for Mortgage Modifications</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/fha-announces-tighter-restrictions-on-lending/</link>
			</item>
	<item>
		<title>Existing Home Sales Decline</title>
		<description><![CDATA[A real-estate industry report released this week showed existing home sales fell in the month of December.  According to the National Association of Realtors, existing home sales dropped 16.7% nationally. This is the largest monthly drop on record in 40 years.
Existing home sales totaled 5,156,000 in 2009, higher than the previous year by 4.9%.  Sales [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/mortgage-rates-rise-as-foreclosures-increase/' rel='bookmark' title='Permanent Link: Mortgage Rates Rise as Foreclosures Increase'>Mortgage Rates Rise as Foreclosures Increase</a></li>
<li><a href='http://emortgagesolution.net/2009/first-time-home-buyer-tax-credit-deadline-loom/' rel='bookmark' title='Permanent Link: First Time Home Buyer Tax Credit Deadline Looms'>First Time Home Buyer Tax Credit Deadline Looms</a></li>
<li><a href='http://emortgagesolution.net/2009/making-home-affordable-2/' rel='bookmark' title='Permanent Link: Making Home Affordable?'>Making Home Affordable?</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/existing-home-sales-decline/</link>
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		<title>Report: HAMP Program Only Making A Dent In Foreclosure Crisis</title>
		<description><![CDATA[A report released this week says the nation&#8217;s foreclosure crisis is on the verge of deepening.  This is according to the State Foreclosure Prevention Working Group, which is made up of 12 state attorneys general and 3 banking regulators.  The group collected data from 13 different mortgage servicers for two years.  This is their fourth [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/making-home-affordable/' rel='bookmark' title='Permanent Link: Making Home Affordable'>Making Home Affordable</a></li>
<li><a href='http://emortgagesolution.net/2009/making-home-affordable-2/' rel='bookmark' title='Permanent Link: Making Home Affordable?'>Making Home Affordable?</a></li>
<li><a href='http://emortgagesolution.net/2009/strategic-defaults-a-cause-for-concern/' rel='bookmark' title='Permanent Link: Strategic Mortgage Defaults A Cause For Concern'>Strategic Mortgage Defaults A Cause For Concern</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/report-hamp-program-only-making-a-dent-in-foreclosure-crisis/</link>
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	<item>
		<title>Higher Mortgage Rates Possible</title>
		<description><![CDATA[
Economist believe mortgage rates will increase, predicting the average 30 year rate will move closer to 5.75% over the next six months.  Such forecasts force homeowners with adjustable rate mortgages to consider refinancing their loans to avoid an increase in their monthly payments.  An increase that few are prepared to handle when we consider the [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/30-year-mortgage-rates-fall-below-5/' rel='bookmark' title='Permanent Link: 30 Year Mortgage Rates Fall Below 5%'>30 Year Mortgage Rates Fall Below 5%</a></li>
<li><a href='http://emortgagesolution.net/2009/federal-reserve-mortgage-rates/' rel='bookmark' title='Permanent Link: Federal Reserve Move Lowers Mortgage Rates Below 5%'>Federal Reserve Move Lowers Mortgage Rates Below 5%</a></li>
<li><a href='http://emortgagesolution.net/2009/mortgage-rates-rise-as-foreclosures-increase/' rel='bookmark' title='Permanent Link: Mortgage Rates Rise as Foreclosures Increase'>Mortgage Rates Rise as Foreclosures Increase</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/higher-mortgage-rates-possible/</link>
			</item>
	<item>
		<title>Pending Home Sales Drop, Market Looks Bleak</title>
		<description><![CDATA[
The National Association of Realtors&#8217; index on pending home sales dropped by 16% in November.  This is more than three times what economists expected to see.  The pending home sales index showed a decline in every region, 26% in the northeast and mid-west, 15% in the south and 3% in the west.
The drop-off was initiated [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/first-time-home-buyer-tax-credit-deadline-loom/' rel='bookmark' title='Permanent Link: First Time Home Buyer Tax Credit Deadline Looms'>First Time Home Buyer Tax Credit Deadline Looms</a></li>
<li><a href='http://emortgagesolution.net/2009/mortgage-rates-drop-as-unemployment-rises/' rel='bookmark' title='Permanent Link: Mortgage Rates Drop as Unemployment Rises'>Mortgage Rates Drop as Unemployment Rises</a></li>
<li><a href='http://emortgagesolution.net/2010/existing-home-sales-decline/' rel='bookmark' title='Permanent Link: Existing Home Sales Decline'>Existing Home Sales Decline</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2010/pending-home-sales-drop-market-looks-bleak/</link>
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		<title>Fed Purchases Of Mortgage Backed Securities To End</title>
		<description><![CDATA[
The Federal Reserve Bank will discontinue buying mortgage backed securities in March 2010.  The Federal Reserve has been actively supporting the treasury and mortgage markets with purchases of treasuries and mortgage backed securities since fall 2008.
This could have an impact on the mortgage climate for the foreseeable future.  A Morgan Stanley chief economist feels treasury [...]


Related posts:<ol><li><a href='http://emortgagesolution.net/2009/mortgage-rate-falls-again/' rel='bookmark' title='Permanent Link: Mortgage Rate Falls Again'>Mortgage Rate Falls Again</a></li>
<li><a href='http://emortgagesolution.net/2009/30-year-mortgage-rates-fall-below-5/' rel='bookmark' title='Permanent Link: 30 Year Mortgage Rates Fall Below 5%'>30 Year Mortgage Rates Fall Below 5%</a></li>
<li><a href='http://emortgagesolution.net/2009/federal-reserve-mortgage-rates/' rel='bookmark' title='Permanent Link: Federal Reserve Move Lowers Mortgage Rates Below 5%'>Federal Reserve Move Lowers Mortgage Rates Below 5%</a></li>
</ol>]]></description>
		<link>http://emortgagesolution.net/2009/fed-purchases-of-mortgage-backed-securities-to-end/</link>
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