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	<title>The New Jersey Mortgage Blog &#187; Mortgage Modification</title>
	<atom:link href="http://newjerseymortgageblog.com/tag/mortgage-modification/feed" rel="self" type="application/rss+xml" />
	<link>http://newjerseymortgageblog.com</link>
	<description>... Keeping New Jersey Consumers and Mortgage Borrowers in the Loop ...... Mortgages, Refinancing, Credit &#38; More...</description>
	<lastBuildDate>Tue, 17 Aug 2010 03:28:12 +0000</lastBuildDate>
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			<item>
		<title>Are Homeowners Really Getting Loan Modifications Approved?</title>
		<link>http://newjerseymortgageblog.com/are-borrowers-really-getting-loan-modifications-approved</link>
		<comments>http://newjerseymortgageblog.com/are-borrowers-really-getting-loan-modifications-approved#comments</comments>
		<pubDate>Mon, 02 Aug 2010 02:56:24 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[HAMP]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2984</guid>
		<description><![CDATA[Short answer:   Not many.  On Monday, June 21, 2010, the Department of Housing and Urban Development (HUD) released a monthly report that revealed more loan modifications are canceled than approved.  This comes as no surprise to anyone who&#8217;s staying on top of the HAMP program.  And falls far short of the expectations of Obama and the Treasury when [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/are-borrowers-really-getting-loan-modifications-approved/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New York Attorney General Warns Loan Modification Companies To Cease Illegal Activity</title>
		<link>http://newjerseymortgageblog.com/governor-of-new-york-warns-loan-modification-companies-to-cease-illegal-activity</link>
		<comments>http://newjerseymortgageblog.com/governor-of-new-york-warns-loan-modification-companies-to-cease-illegal-activity#comments</comments>
		<pubDate>Mon, 05 Jul 2010 21:29:37 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3013</guid>
		<description><![CDATA[Who&#8217;s that dude in the mask? He&#8217;s the guy you paid $2500.00 to modify your loan. Seem strange? Maybe. But that&#8217;s what thousands of borrowers have done and will continue to do out of desperation. Anthony Cuomo, New York Attorney General, is doing what he can to put a stop to bad loan modification companies [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/governor-of-new-york-warns-loan-modification-companies-to-cease-illegal-activity/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Watch Video About FDIC Perks That Encourage Bank to Foreclose Instead of Modifying Mortgage &#8211; You Will Be Astounded!</title>
		<link>http://newjerseymortgageblog.com/watch-this-video-about-fdic-perks-that-encourage-bank-to-foreclose-instead-of-modifying-mortgage-you-will-be-astounded</link>
		<comments>http://newjerseymortgageblog.com/watch-this-video-about-fdic-perks-that-encourage-bank-to-foreclose-instead-of-modifying-mortgage-you-will-be-astounded#comments</comments>
		<pubDate>Tue, 08 Jun 2010 21:33:50 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2841</guid>
		<description><![CDATA[We all recall when IndyMac Bank failed.  Well, if you don&#8217;t recall, trust me, the bank did fail.  Not long thereafter, OneWest Financial purchased the assets of IndyMac from the FDIC.  Apparently, the FDIC felt it important to give OneWest a near-guarantee that not only would it not fail, but would rake it extreme profits from [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/watch-this-video-about-fdic-perks-that-encourage-bank-to-foreclose-instead-of-modifying-mortgage-you-will-be-astounded/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Bank of America May Offer a Mortgage Solution for the Unemployed</title>
		<link>http://newjerseymortgageblog.com/bank-of-america-may-offer-a-mortgage-solution-for-the-unemployed</link>
		<comments>http://newjerseymortgageblog.com/bank-of-america-may-offer-a-mortgage-solution-for-the-unemployed#comments</comments>
		<pubDate>Fri, 04 Jun 2010 05:09:08 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2795</guid>
		<description><![CDATA[Pretty soon, there may be good news for Bank of America mortgage holders who have fallen behind with home loan payments.  The bank&#8217;s pending plan is to:  (1) forgive payments for up to nine months, or (2) defer payments.  This would apply to borrowers who lost their jobs due to the recession.
According to Bank of America, if the borrower finds new [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/bank-of-america-may-offer-a-mortgage-solution-for-the-unemployed/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Here&#8217;s a List of Resources and Contacts to Help You Modify Your New Jersey Mortgage or Save Your Home From Foreclosure</title>
		<link>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure</link>
		<comments>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure#comments</comments>
		<pubDate>Sun, 14 Mar 2010 23:57:57 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Bailout]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Obama Housing Stimulus]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2300</guid>
		<description><![CDATA[If you can no longer afford your mortgage payment and need assistance and information to help you through the process, visit some of the sites below.  Information will be most critical as you work to stay in your home and/or lower your payment.  You must stay informed.  Do not depend or rely on anything or [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Can I Get a New Jersey Mortgage Loan Modification if I Am Unemployed?</title>
		<link>http://newjerseymortgageblog.com/can-i-get-a-mortgage-loan-modification-if-i-am-unemployed</link>
		<comments>http://newjerseymortgageblog.com/can-i-get-a-mortgage-loan-modification-if-i-am-unemployed#comments</comments>
		<pubDate>Sun, 03 Jan 2010 06:23:58 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Obama Housing Stimulus]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1697</guid>
		<description><![CDATA[Late in 2008, Congress created a panel to oversee the $700 billion TARP program. The panel warned the Obama Administration that the HAMP program (provided under the TARP initiative) would not help the huge numbers of homeowners who would stand to lose their homes because of the growing unemployment problem.
The Congressional panel warned that as [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/can-i-get-a-mortgage-loan-modification-if-i-am-unemployed/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Having Trouble Understanding &#8220;HAMP&#8221; &#8211; Obama&#8217;s Mortgage Modification Program?</title>
		<link>http://newjerseymortgageblog.com/having-trouble-understanding-obamas-mortgage-modification-program</link>
		<comments>http://newjerseymortgageblog.com/having-trouble-understanding-obamas-mortgage-modification-program#comments</comments>
		<pubDate>Sun, 03 Jan 2010 05:35:13 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Obama Housing Stimulus]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1687</guid>
		<description><![CDATA[Despite all the talk about mortgage modifications over the last year, there is still considerable misunderstanding and confusion about the who, what, when and how much.  If you think mortgage modification might be an option for you, learn more by watching the 2 videos below. In the drop down box at the bottom of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/having-trouble-understanding-obamas-mortgage-modification-program/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Loan Modifications Can Be Lethal to Credit Scores</title>
		<link>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores</link>
		<comments>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores#comments</comments>
		<pubDate>Fri, 01 Jan 2010 01:40:03 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1485</guid>
		<description><![CDATA[Literally thousands of homeowners are anxiously awaiting or applying for a mortgage modification.  What many fail to realize is that these modifications can devastate one&#8217;s credit score while the modification moves through the trial period.
The trial period is the time during which the homeowner will make the modified payment that was pre-established by the lender.  It [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Haven&#8217;t Seen Amazing Until You See How Bank of America Bailed Out This Guy</title>
		<link>http://newjerseymortgageblog.com/you-havent-seen-amazing-until-you-see-how-bank-of-america-bailed-out-this-guy</link>
		<comments>http://newjerseymortgageblog.com/you-havent-seen-amazing-until-you-see-how-bank-of-america-bailed-out-this-guy#comments</comments>
		<pubDate>Fri, 23 Oct 2009 21:44:20 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Bailout]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1291</guid>
		<description><![CDATA[There often seems no rhyme or reason as to who gets a mortgage &#8220;bailout&#8220; these days and who doesn&#8217;t.  But I read this story and someone had to help me off the floor.
It&#8217;s wonderful that this homeowner got relief, but how do you rationalize this level of help against the people that get zilch?   Hint:  The bank [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/you-havent-seen-amazing-until-you-see-how-bank-of-america-bailed-out-this-guy/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Bank of America is Struggling With Mortgage Loan Modifications &#8211; NOT Getting Them Done</title>
		<link>http://newjerseymortgageblog.com/bank-of-america-is-struggling-with-mortgage-loan-modifications-not-getting-them-done</link>
		<comments>http://newjerseymortgageblog.com/bank-of-america-is-struggling-with-mortgage-loan-modifications-not-getting-them-done#comments</comments>
		<pubDate>Wed, 14 Oct 2009 14:23:27 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1276</guid>
		<description><![CDATA[Bank of America could collect about $6 billion if it meets the deadline set by the Federal government to help struggling borrowers for the Making Home Affordable program.
But the Treasury Department released a report last week that showed only 11 percent, about 95,000, of Bank of America’s delinquent borrowers who are potentially eligible for the [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/bank-of-america-is-struggling-with-mortgage-loan-modifications-not-getting-them-done/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Help!! I Can&#8217;t Refinance and I&#8217;m Having Trouble Getting a Loan Modification</title>
		<link>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification</link>
		<comments>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification#comments</comments>
		<pubDate>Tue, 06 Oct 2009 19:33:11 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1269</guid>
		<description><![CDATA[Sound familiar?  It seems many people are having trouble getting their lender/servicer to modify their loans.  Many lenders are just not abiding by the guidelines they said they would follow after taking TARP funds under the Obama Stimulus Plan. Where are the Mortgage Modification Police?   Word has it they all lost their homes so no [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Use Obama&#8217;s Stimulus Plan to Refinance an Upside Down Mortgage</title>
		<link>http://newjerseymortgageblog.com/how-to-use-obamas-stimulus-plan-to-refinance-an-upside-down-mortgage</link>
		<comments>http://newjerseymortgageblog.com/how-to-use-obamas-stimulus-plan-to-refinance-an-upside-down-mortgage#comments</comments>
		<pubDate>Thu, 24 Sep 2009 23:25:41 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Obama Housing Stimulus]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1153</guid>
		<description><![CDATA[Regardless how much talk and information there is about refinance options under the Obama program, confusion about what to do and what can be done still exists &#8211; on a large scale. President Obama&#8217;s goal is to help people stay in their homes. Those who understand how to use Obama&#8217;s Stimulus Plan to refinance an [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/how-to-use-obamas-stimulus-plan-to-refinance-an-upside-down-mortgage/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>More Loan Modifications Under Obama Program Might Get Approved</title>
		<link>http://newjerseymortgageblog.com/more-loan-modifications-under-obama-program-might-get-approved</link>
		<comments>http://newjerseymortgageblog.com/more-loan-modifications-under-obama-program-might-get-approved#comments</comments>
		<pubDate>Sat, 12 Sep 2009 18:10:07 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1133</guid>
		<description><![CDATA[Recently, the Treasury Department began reporting on what percentage of eligible loans have been modified by the big banks.  The belief is that this will spur the banks to modify more loans so they won&#8217;t be seen as &#8220;doing&#8221; and &#8220;committing&#8221; less than their peers.
Overall improvement has already been seen with 12% of eligibles being [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/more-loan-modifications-under-obama-program-might-get-approved/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Warning Regarding Mortgage Loan Modification Activity in New Jersey</title>
		<link>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey</link>
		<comments>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey#comments</comments>
		<pubDate>Tue, 09 Jun 2009 23:50:22 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Home Equity]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=571</guid>
		<description><![CDATA[
Mortgage loan modification has become very popular over the past year.  Even those who don&#8217;t own a home seem to know something about it or have heard the buzz.
Homeowners with mortgage loans try to get a modification when they find they can no longer afford the mortgage payment but cannot qualify to refinance.  Instead of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Why Does it Seem Everybody Gets a Different Interest Rate &#8211; AND Why Didn&#8217;t I Get That Dreamy Low &#8220;Advertised&#8221; Rate?</title>
		<link>http://newjerseymortgageblog.com/why-does-it-seem</link>
		<comments>http://newjerseymortgageblog.com/why-does-it-seem#comments</comments>
		<pubDate>Wed, 13 May 2009 06:10:12 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Qualifying]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[appraisal value]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=199</guid>
		<description><![CDATA[When this subject comes up, I have to mention the car sales business.  I know the two businesses seem very opposite, but they are oh so similar.
Have you ever seen the ads for new cars where you supposedly can get ZERO percent interest?  Yep, we all have.   Have you ever read the fine print?  How [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/why-does-it-seem/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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