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<title>Kayla Hoang - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Kayla_Hoang</link>
<pubDate>Tue, 14 Feb 2012 23:53:06 -0600</pubDate>
<image><title>Kayla Hoang - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
<lastBuildDate>Thu, 08 May 2008 15:44:30 -0500</lastBuildDate>
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<title>Fair Isaac Credit Score Squeezed By Crunch</title>
<link>http://EzineArticles.com/1158039</link>
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<pubDate>Thu, 08 May 2008 15:44:30 -0500</pubDate>
<description><![CDATA[On April 29, news broke that Wall Street resulted a shocking 12 percent drop in the well known Fair Isaacs' credit scoring giant. FICO is feeling the affects of the credit crunch, with consumers cutting back on making big purchases, banks tightening on lending, and credit card companies tougher restrictions, are hurting the demands for the credit scores. At the same time FICO pricing is having heavy competition with other credit scoring firms.]]></description>
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<title>Foreclosure Process Timeline</title>
<link>http://EzineArticles.com/1152217</link>
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<pubDate>Wed, 07 May 2008 09:41:42 -0500</pubDate>
<description><![CDATA[A foreclosure is a process when the lender has legal rights' to the property in default and sells it to recover the amount owed on the loan. With recent attention to foreclosures, lenders will proceed with the foreclosure process in specific ways and time.]]></description>
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<title>The Difference Between Judicial And Non-Judicial Foreclosure</title>
<link>http://EzineArticles.com/1131999</link>
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<pubDate>Tue, 29 Apr 2008 16:54:29 -0500</pubDate>
<description><![CDATA[Foreclosure laws differ in each state and each state law will determine the process of forecloure. Homeowners that are facing foreclosure should research and understand their state foreclosure law because it will determine the time line, legal step, and legal right the parties have in the process. ]]></description>
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<title>Rental Insurance Not Required, But Necessary</title>
<link>http://EzineArticles.com/1124556</link>
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<pubDate>Mon, 28 Apr 2008 13:38:40 -0500</pubDate>
<description><![CDATA[Growing number of homeowners have fallen victim to foreclosures and are now renting.  Those renting do not qualify for home insurance that protect tenants in a home.  Insurance companies also has coverage plans called renters insurance.  ]]></description>
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<title>Mortgage Foreclosure Scams</title>
<link>http://EzineArticles.com/1119779</link>
<guid>http://EzineArticles.com/1119779</guid>
<pubDate>Wed, 23 Apr 2008 13:17:55 -0500</pubDate>
<description><![CDATA[There are enough problems homeowners are having to face due to home foreclosures in the sinking housing market. Falling behind on the monthly mortgage payments, homeowners start recieving persistant phone calls, large amounts of letters and postcards from foreclosure help agency claiming to provide services for homeowners to get out of foreclosure. ]]></description>
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<title>Quitclaim - A Property Will Not Avoid Foreclosure</title>
<link>http://EzineArticles.com/1109713</link>
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<pubDate>Thu, 17 Apr 2008 13:09:01 -0500</pubDate>
<description><![CDATA[Homeowners are desperately trying to find creative ways to avoid a foreclosure.  A common mistake that these homeowners believe is that, if they sign over a quitclaim deed, the foreclosure will not show up on the credit report.]]></description>
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<title>Record Foreclosure Rates, Delays Eviction Process</title>
<link>http://EzineArticles.com/1094654</link>
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<pubDate>Wed, 09 Apr 2008 15:34:16 -0500</pubDate>
<description><![CDATA[Lenders are so overwhelmed and under staffed to deal with the housing crisis on delinquent borrowers.  According to the Mortgage Bankers Association, the number of borrowers that are delinquent on their home loan at least 90 days, have rose 3.6 percent at the end of December. ]]></description>
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<title>How To Write A Letter Of Hardship</title>
<link>http://EzineArticles.com/1088589</link>
<guid>http://EzineArticles.com/1088589</guid>
<pubDate>Tue, 08 Apr 2008 10:48:46 -0500</pubDate>
<description><![CDATA[Mortgage companies require writing a Letter of Hardship to submit with a short sale packet on a home.  This is one of the hardest things to do as the homeowner in this situation because you have to open up about your financial difficulties. ]]></description>
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<title>There's Still Time To Refinance</title>
<link>http://EzineArticles.com/1070740</link>
<guid>http://EzineArticles.com/1070740</guid>
<pubDate>Fri, 28 Mar 2008 13:19:44 -0500</pubDate>
<description><![CDATA[Lately, mortgage rates have gone up to 6.2% for an average 30-year fixed mortgage from 5.6%, in February.   Even though rates have gone up, it is still at a historical low and people still have a good chance of refinancing their loans to save money. ]]></description>
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<title>Tenants Facing Foreclosure In Rental Property</title>
<link>http://EzineArticles.com/1063700</link>
<guid>http://EzineArticles.com/1063700</guid>
<pubDate>Wed, 26 Mar 2008 11:12:51 -0500</pubDate>
<description><![CDATA[In today's housing market, the tables have turned and renters may need to do a financial background check on potential landlords of a rental property.  While the mortgage mess is still forcing more homeowners into foreclosures, tenants are also taking on new risks being in these rental properties.  Plenty of homes and condos are made available for renting because owners could not sell the properties but they also never intended to be landlords.]]></description>
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<title>Mortgage Problem Spillover To Credit Card Delinquency</title>
<link>http://EzineArticles.com/1052640</link>
<guid>http://EzineArticles.com/1052640</guid>
<pubDate>Thu, 20 Mar 2008 13:14:56 -0500</pubDate>
<description><![CDATA[The bank regulators and the Federal Reserves are paying close attention and expressing concerns that the rise in delinquency go beyond mortgages.    Bank of America executives said that credit card delinquencies in California, Nevada, Arizona, and Florida-states with the highest foreclosure rates-increased five times as fast as  in other states, suggesting that consumers struggling with mortgage debt are also struggling to pay there credit card bills.     The sub-prime mess has left banks with tens of millions of dollars in debt and led them to tighten lending standards.]]></description>
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