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<title>Frank Stevenson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Frank_Stevenson</link>
<pubDate>Wed, 15 Feb 2012 07:52:13 -0600</pubDate>
<image><title>Frank Stevenson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Frank_Stevenson</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[With extensive knowledge in the foreclosure prevention field I have decided to develop a blog that can provide free information on how to stop foreclosure. 

Specifically I am very interested in providing free and accurate information on how troubled homeowners can access Obama's $75 billion Homeowner Affordability and Stability program. This program emphasizes the benefit of loan modification and at my website you can receive plenty of use full information on how to access the resources our government has provided for us.]]></description>
<lastBuildDate>Tue, 22 Feb 2011 15:27:42 -0600</lastBuildDate>
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<item>
<title>Obama Loan Modification Guidelines - Do You Qualify?</title>
<link>http://EzineArticles.com/5957537</link>
<guid>http://EzineArticles.com/5957537</guid>
<pubDate>Tue, 22 Feb 2011 15:27:42 -0600</pubDate>
<description><![CDATA[Trying to determine if you qualify for an Obama loan modification can be very difficult. The best way to do this is understand the guidelines for a loan modification and then approach your lender. In this article I will lay out what the guidelines are for a Home Owner Affordability and Stability Program (HAMP) loan modification are.]]></description>
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<title>Hardship Letter Sample for Short Sale</title>
<link>http://EzineArticles.com/5957696</link>
<guid>http://EzineArticles.com/5957696</guid>
<pubDate>Tue, 22 Feb 2011 15:24:01 -0600</pubDate>
<description><![CDATA[Have you been trying to find a decent sample hardship letter for a short sale? Here is a short sale hardship letter that was successfully used to achieve a short sale and have the homeowner walk away without owing anything to the bank.]]></description>
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<item>
<title>Loan Modification Process - Explained in 3 Steps</title>
<link>http://EzineArticles.com/5388226</link>
<guid>http://EzineArticles.com/5388226</guid>
<pubDate>Wed, 17 Nov 2010 13:25:51 -0600</pubDate>
<description><![CDATA[How does the loan modification process work? This question is so commonly asked. The process can be explained in 3 steps.]]></description>
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<item>
<title>Federal Loan Modification Plan - Upside Down on Mortgage? Receive Principal Reduction</title>
<link>http://EzineArticles.com/5168103</link>
<guid>http://EzineArticles.com/5168103</guid>
<pubDate>Fri, 08 Oct 2010 15:01:34 -0500</pubDate>
<description><![CDATA[If you are upside down on your mortgage because of the housing crises than Obama's federal bailout plan may be your solution. HAMP is a government program that will help you modify your home loans, also known as "Obama's loan modification program". With the program if you are upside down on your mortgage you will be able to lower the loan balance if you owe substantially more than your home is worth.]]></description>
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<item>
<title>Loan Modification Forms - Three Mistakes to Avoid When Applying</title>
<link>http://EzineArticles.com/3271093</link>
<guid>http://EzineArticles.com/3271093</guid>
<pubDate>Tue, 17 Nov 2009 11:44:41 -0600</pubDate>
<description><![CDATA[Preparing for your loan modification application will increase your chances of approval. This includes completing your loan modification forms with correct and verified information to ensure approval from your lender. This article will show you how to get loan modification forms correct by avoiding these three mistakes.]]></description>
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<item>
<title>The Obama Loan Modification Program Helps Homeowners Reduce the Principal Amount</title>
<link>http://EzineArticles.com/2894460</link>
<guid>http://EzineArticles.com/2894460</guid>
<pubDate>Thu, 10 Sep 2009 11:38:57 -0500</pubDate>
<description><![CDATA[The buying of the house of your dreams has went completely and horribly wrong! You find that you cannot afford to cover the monthly payments and now you don't know what to do since facing losing your family's home and stability. You would, of course, make the payments in full if you could. Your family does not want to lose their home. You may have an option that can benefit your cause.]]></description>
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<item>
<title>Obamas Loan Modification Program - How it Will Help</title>
<link>http://EzineArticles.com/2894444</link>
<guid>http://EzineArticles.com/2894444</guid>
<pubDate>Wed, 09 Sep 2009 12:20:10 -0500</pubDate>
<description><![CDATA[We have been hearing a lot of talk of President Obama's Loan Modification Program. What this means is that a plan was put into effect, which is called The Affordability and Stability Plan that will make available $75 billion dollars to assist homeowners in being able to remain in their homes. This will not assist everyone. If you are interested in detailed information on this federal plan, below is some pertinent information for you.]]></description>
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<title>President Obama's Loan Modification - Guidelines to Getting an Approval</title>
<link>http://EzineArticles.com/2894470</link>
<guid>http://EzineArticles.com/2894470</guid>
<pubDate>Wed, 09 Sep 2009 12:19:48 -0500</pubDate>
<description><![CDATA[Do you fit in with the majority of the homeowners today in the United States that are having problems paying their mortgage payments? Have you received an increase in your interest rates also? If you find yourself in this situation, as countless others have, you may be able to feel some relief.]]></description>
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<item>
<title>Obama's Loan Modification - Guidelines and Stipulations Surrounding This Federal Program</title>
<link>http://EzineArticles.com/2894451</link>
<guid>http://EzineArticles.com/2894451</guid>
<pubDate>Wed, 09 Sep 2009 11:37:57 -0500</pubDate>
<description><![CDATA[With the status of the economy, foreclosure has become way more popular than we would like it to be. A loan modification could be your best bet in getting the assistance you need to keep foreclosure at bay. There are many different programs and plan, but may come with hassles and problems. A loan modification is needed from the program initiator and the financial institution that your mortgage is currently with. ]]></description>
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<item>
<title>Obama's Loan Modification Has Strict Guidelines You Must Know</title>
<link>http://EzineArticles.com/2894479</link>
<guid>http://EzineArticles.com/2894479</guid>
<pubDate>Wed, 09 Sep 2009 10:53:57 -0500</pubDate>
<description><![CDATA[With Obama's Loan Modification program lenders are supposed to keep strict records of all important papers for verification purposes. There are specific forms you must know how to fill out if you are to take advantage of this great opportunity.]]></description>
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<item>
<title>The Financial Hardship Letter - Incredibly Important</title>
<link>http://EzineArticles.com/2610403</link>
<guid>http://EzineArticles.com/2610403</guid>
<pubDate>Wed, 15 Jul 2009 15:05:52 -0500</pubDate>
<description><![CDATA[Because of its importance to the financial well-being of the country the financial hardship letter is fast becoming the most important document in the country since the Declaration of Independence. In essence the financial hardship letter lets the lender know that the homeowner is on track to pay for his or her home but just needs a refinancing to achieve this goal. ]]></description>
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<title>Hardship Letter Samples For Loan Modification</title>
<link>http://EzineArticles.com/2610423</link>
<guid>http://EzineArticles.com/2610423</guid>
<pubDate>Wed, 15 Jul 2009 11:00:12 -0500</pubDate>
<description><![CDATA[Next to a death of a friend or loved one a home foreclosure is one of the most traumatic experiences a person can ever go through. However, lenders do not relish a foreclosure either and so use it as a last resort. This is because besides the loss of capital from the borrower lenders will have to pay thousands of dollars in legal and service fees to a home into foreclosure. ]]></description>
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<item>
<title>Obama's Housing Affordability Plan Everyone Gets 2% Mortgage Refinancing</title>
<link>http://EzineArticles.com/2445828</link>
<guid>http://EzineArticles.com/2445828</guid>
<pubDate>Mon, 08 Jun 2009 20:42:18 -0500</pubDate>
<description><![CDATA[Details of President Obama's housing affordability plan have been rolled out and it is estimated to help 1 out of every 9 homeowners obtain a mortgage refinance to avoid foreclosure and stay in their home, even if they owe more than the current value of their home. Out of the total $787 billion dollar economic stimulus plan, Obama has earmarked $75 billion to alleviate housing and mortgage problems. Obama's housing affordability plan took carefully thought and planning.]]></description>
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<title>Obama Loan Modification Plan Guidelines and Tips to Understand Them</title>
<link>http://EzineArticles.com/2343587</link>
<guid>http://EzineArticles.com/2343587</guid>
<pubDate>Thu, 21 May 2009 13:31:35 -0500</pubDate>
<description><![CDATA[The new Obama loan modification plan is aimed at 5 million borrowers who need assistance meeting their monthly payments. Using a loan modification application from the borrower the plan will provide lower, more manageable payments so struggling homeowners can stay in their houses. To help you understand the process and see if you will qualify there are 10 questions to consider.]]></description>
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<item>
<title>Obama Loan Modification Consumer Protection - Qualifications For Protection - Part 7 of 10</title>
<link>http://EzineArticles.com/2316278</link>
<guid>http://EzineArticles.com/2316278</guid>
<pubDate>Fri, 08 May 2009 15:02:33 -0500</pubDate>
<description><![CDATA[The Obama Loan Modification or Homeowner Affordability and Stability Plan offers protection and hope to billions of homeowners. Before you apply for a mortgage modification make sure you understand what protection is offered.]]></description>
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<item>
<title>Obama Loan Modification NPV Calculation - How Your Lender Evaluates You - Part 10 of 10</title>
<link>http://EzineArticles.com/2316428</link>
<guid>http://EzineArticles.com/2316428</guid>
<pubDate>Fri, 08 May 2009 13:35:51 -0500</pubDate>
<description><![CDATA[To understand if your lender will consider you for a loan modification under the Obama Loan Modification program you must understand how your lender will calculate their financial benefit. This article describes the Net Present Value (NPV) calculation is and how your lender will use it to evaluate your mortgage modification application.]]></description>
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<item>
<title>Obama Loan Modification Monitoring - Protect Yourself From Fraud - Part 8 of 10</title>
<link>http://EzineArticles.com/2316354</link>
<guid>http://EzineArticles.com/2316354</guid>
<pubDate>Fri, 08 May 2009 13:35:16 -0500</pubDate>
<description><![CDATA[To fully understand how the Obama Loan Modification program works you must understand how the program will be monitored.  Documents:  Servicers are required to keep records of important documents for the purposes of verification and compliance reviews, and may include, but aren't limited to, qualification and eligibility of the debtor, criteria of underwriting, and incentive payments. It is mandatory for every debtor to complete a hardship affidavit, which is also another required document for verification and compliance reviews.]]></description>
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<item>
<title>Obama Loan Modification Features - What to Remember When Applying - Part 9 of 10</title>
<link>http://EzineArticles.com/2316394</link>
<guid>http://EzineArticles.com/2316394</guid>
<pubDate>Thu, 07 May 2009 21:18:49 -0500</pubDate>
<description><![CDATA[To fully understand how the Obama Loan Modification program works you must understand these features of the plan.    Payments for the Depreciation of the Price of the Home:  As an incentive for lenders/investors modifying more loans, they will be compensated to offset losses resulting from the decline of the price of homes. This will be in the form of a single payment on every loan modified and still active in the Plan.]]></description>
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<title>Obama Loan Modification Compensation - How Much Can Your Family Receive? - Part 6 of 10</title>
<link>http://EzineArticles.com/2316199</link>
<guid>http://EzineArticles.com/2316199</guid>
<pubDate>Thu, 07 May 2009 21:17:53 -0500</pubDate>
<description><![CDATA[The Obama Loan Modification compensation or Homeowner Affordability and Stability Plan includes Billions of dollars in help for homeowners. Make sure you are aware how your family could benefit.]]></description>
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<item>
<title>Obama Loan Modification - Details of Approvals, Fees and Charges - Part 5 of 10</title>
<link>http://EzineArticles.com/2299941</link>
<guid>http://EzineArticles.com/2299941</guid>
<pubDate>Mon, 04 May 2009 15:41:01 -0500</pubDate>
<description><![CDATA[Do you know how the details of Obama's Loan Modification law could affect you? If you read this article you will have a great start on understanding the Obama's Loan Modification Bill and how it can benefit you.]]></description>
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<title>Obama Loan Modification - Hope For Homeowners - Part 4 of 10</title>
<link>http://EzineArticles.com/2299917</link>
<guid>http://EzineArticles.com/2299917</guid>
<pubDate>Mon, 04 May 2009 15:40:37 -0500</pubDate>
<description><![CDATA[In this important 4th part to the Obama loan modification guide. The Hope for Homeowners Plan is introduced and the important concept of the Standard Waterfall which could drastically affect your families chances of staying in your home.]]></description>
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<title>Obama Loan Modification - Rules and Laws of the Package - Part 2 of 10</title>
<link>http://EzineArticles.com/2299846</link>
<guid>http://EzineArticles.com/2299846</guid>
<pubDate>Mon, 04 May 2009 15:23:27 -0500</pubDate>
<description><![CDATA[This continues the comprehensive guide to Obama's Loan Modification Program and specifically the rules and laws of the package. Definition of Front-End DTI: Front-End DTI is defined as the ratio of PITIA to Monthly Gross Income. PITIA is an acronym that stands for principal, interest, taxes, insurance (homeowners, hazard, and flood insurance included) and homeowners association and/or condominium fees.]]></description>
</item>
<item>
<title>Obama Loan Modification - Program Eligibility Guidelines - Part 1 of 10</title>
<link>http://EzineArticles.com/2299784</link>
<guid>http://EzineArticles.com/2299784</guid>
<pubDate>Mon, 04 May 2009 15:23:16 -0500</pubDate>
<description><![CDATA[This is a comprehensive guide to Obama's loan modification program. Discover the program eligibility guidelines, if you qualify and how to apply.]]></description>
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<item>
<title>Obama Loan Modification - Modification Plan Guidelines - Part 3 of 10</title>
<link>http://EzineArticles.com/2299878</link>
<guid>http://EzineArticles.com/2299878</guid>
<pubDate>Mon, 04 May 2009 15:22:42 -0500</pubDate>
<description><![CDATA[The third part of the comprehensive guide to Obama's Loan Modification Plan outlines the exact conditions of modification and the plan elements that are described in the guidelines. Discover the lowest you can get your interest rate reduced to.]]></description>
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<item>
<title>President Obama's Mortgage Modification Program - Do You Qualify?</title>
<link>http://EzineArticles.com/2271076</link>
<guid>http://EzineArticles.com/2271076</guid>
<pubDate>Tue, 28 Apr 2009 14:36:17 -0500</pubDate>
<description><![CDATA[Obama's $75 Billion Mortgage Modification program can seem like a dream come true for many people who are at risk of losing their biggest investment - their home. But how do you know if you even qualify?  Even if you've been turned down by your bank in the past, you can still apply for this mortgage modification program.]]></description>
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<title>Government Loan Modification Program - See If You Can Apply</title>
<link>http://EzineArticles.com/2272827</link>
<guid>http://EzineArticles.com/2272827</guid>
<pubDate>Mon, 27 Apr 2009 15:19:46 -0500</pubDate>
<description><![CDATA[Many families struggle with high mortgage payments and because of this the Federal Government has $75 billion dollars tucked away to help homeowners who struggle with their mortgage and need to avoid foreclosure. The government loan modification program is there to help 7 - 9 million families in the USA to get a lower mortgage program, however as good as it sounds there is a loan modification application process.]]></description>
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<title>Obama's Federal Loan Modification Program - How to Qualify</title>
<link>http://EzineArticles.com/2218308</link>
<guid>http://EzineArticles.com/2218308</guid>
<pubDate>Sun, 19 Apr 2009 10:51:05 -0500</pubDate>
<description><![CDATA[Homeowners who are faced with unreachable mortgage payments will want to qualify for Obamas federal loan modification program to receive a lower payment. Homeowners can apply for mortgage rates down to 2%. Discover how to qualify and save your home.]]></description>
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<title>Obama's Loan Modification Plan - Top 5 Questions</title>
<link>http://EzineArticles.com/2173001</link>
<guid>http://EzineArticles.com/2173001</guid>
<pubDate>Fri, 03 Apr 2009 13:55:45 -0500</pubDate>
<description><![CDATA[If you are facing foreclosure, president Obama has introduced the Homeowner Affordability and Stability plan which could help you get a loan modification and up to $5000 in additional incentives to help you make your monthly payments.    President Obama's Housing Bailout includes...]]></description>
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<title>The Obama Loan Modification Program - A Comprehensive Guide to Understanding How You Can Benefit</title>
<link>http://EzineArticles.com/2172954</link>
<guid>http://EzineArticles.com/2172954</guid>
<pubDate>Fri, 03 Apr 2009 13:48:00 -0500</pubDate>
<description><![CDATA[President Obama has introduced the Homeowners Affordability and Stability Plan to help 7 million Americans get loan modifications. The goal is to help people modify their mortgages and get them reset from high interest ARMs to 4.5% fixed rate. If you are interested in applying for a loan modification this article contains important information.]]></description>
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