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<title>Ron Borg - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Ron_Borg</link>
<pubDate>Tue, 14 Feb 2012 21:28:11 -0600</pubDate>
<image><title>Ron Borg - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Ron Borg is the founder and CEO of Mortgage123.com, which offers mortgage rate comparisons from the best lenders in America. There is no need to enter your social security number - mortgage borrowers are assisted by personal advisors that are highly experienced and trained to assist you in sorting through quotes from the top rated lenders in the U.S. In 2006, the Consumer Advocate Harj Gill named Ron Borg to be his mortgage broker liaison. Too many mortgage brokers and loan officers work only to enrich themselves without the aim of doing the right thing. "Mr. Borg is one of ... ]]></description>
<lastBuildDate>Wed, 02 Mar 2011 16:14:50 -0600</lastBuildDate>
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<title>What Will Happen to Home Buyers When There's No Fannie Mae and Freddie Mac?</title>
<link>http://EzineArticles.com/5968379</link>
<guid>http://EzineArticles.com/5968379</guid>
<pubDate>Wed, 02 Mar 2011 16:14:50 -0600</pubDate>
<description><![CDATA[On February 11, Treasury Secretary Tim Geithner spoke to an audience at the Brookings Institute in Washington. He made it clear that the Obama adminsitration wants to "wind down Fannie and Freddie and substantially reduce the government's footprint in the housing market". He stated that the process needs to occur gradually in order to not interfere or impede the process of repair in the housing market. Being that Fannie and Freddie are involved with nearly 90% of all mortgages originated in the U.S., how will the dismantling of these two institutions affect home buyers?]]></description>
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<title>Why FHA Down Payment Requirements Should Not Be Increased to 5%</title>
<link>http://EzineArticles.com/5873206</link>
<guid>http://EzineArticles.com/5873206</guid>
<pubDate>Mon, 14 Feb 2011 15:58:55 -0600</pubDate>
<description><![CDATA[Rep. Scott Garretts (R-NJ) has recently introduced a bill to raise the FHA required down payment of 3.5% to 5%. The legislation also aims to eliminate the FHA rule that allows borrowers to finance most of the closing costs. The reason for the bill is purportedly to protect American taxpayers from having to bailout the FHA. This bill will do more harm than good.]]></description>
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<title>What If Groupon Went MLM?</title>
<link>http://EzineArticles.com/5788308</link>
<guid>http://EzineArticles.com/5788308</guid>
<pubDate>Tue, 08 Feb 2011 14:33:22 -0600</pubDate>
<description><![CDATA[Groupon is the fastest growing company in history. The company had revenue of over $500,000,000 in 2010 and will probably double that in 2011. Now imagine if Groupon went MLM. That's a company you would want to be part of, isn't it? Well a new company plans to leapfrog Groupon by adding this very interesting twist.]]></description>
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<title>Is Walking Away From a Mortgage Irresponsible Or Smart?</title>
<link>http://EzineArticles.com/3592872</link>
<guid>http://EzineArticles.com/3592872</guid>
<pubDate>Sun, 24 Jan 2010 11:02:49 -0600</pubDate>
<description><![CDATA[With millions of homeowners owing more on their mortgage than their home is worth, some are resorting to simply walking away from their home and their obligation. While their are many opinions on the matter, there seems to be double standard between what is expected from corporation versus private individuals.]]></description>
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<title>Is Your FICO Score Above Or Below the Average American?</title>
<link>http://EzineArticles.com/3570090</link>
<guid>http://EzineArticles.com/3570090</guid>
<pubDate>Fri, 15 Jan 2010 14:35:07 -0600</pubDate>
<description><![CDATA[Your credit score can open doors or anchor you down. Your score will most likely be the deciding factor in your getting approved for a loan. It will also have a large affect on interest rate you get on that loan. But what you may not be aware of is that even small changes to score can make a significant impact in how you are treated by not only lenders, but insurance companies, landlords and even employers.]]></description>
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<title>After the Fall - Federal Reserve Board Proposes Sweeping Changes to Mortgage Disclosures</title>
<link>http://EzineArticles.com/3367984</link>
<guid>http://EzineArticles.com/3367984</guid>
<pubDate>Wed, 09 Dec 2009 15:55:00 -0600</pubDate>
<description><![CDATA[Ever read the fine print in your mortgage paperwork? I'll wager you barely skimmed it because you know it's mostly legalese, right? Plus, there's so much to read that you would need to be a speed reader to get though it all in a day.]]></description>
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<title>Your FICO Score Credit Rating - Can 1 Point Make You a Bad Credit Risk?</title>
<link>http://EzineArticles.com/2826885</link>
<guid>http://EzineArticles.com/2826885</guid>
<pubDate>Fri, 18 Sep 2009 10:18:05 -0500</pubDate>
<description><![CDATA[The mortgage market has consolidated - while we used to have hundreds of mortgage programs to choose from, today there are only a few. Your credit score is the first and possibly the most important determining factor in getting approved. 1 point may mean the difference between approval or declination.]]></description>
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<title>How to Dismantle the Housing Crisis</title>
<link>http://EzineArticles.com/2763149</link>
<guid>http://EzineArticles.com/2763149</guid>
<pubDate>Fri, 28 Aug 2009 21:55:51 -0500</pubDate>
<description><![CDATA[The Great Real Estate Depression cannot end until lenders change their ways. Three factors continue to haunt U.S. home values - lenders extreme reversal of mortgage lending underwriting standards, their continued mismanagement of their portfolios of foreclosed homes and their lack of motivation in helping homeowners obtain modifications of their existing loans.]]></description>
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<title>Will the New Nationwide Mortgage Licensing System Help?</title>
<link>http://EzineArticles.com/923041</link>
<guid>http://EzineArticles.com/923041</guid>
<pubDate>Mon, 03 Mar 2008 11:11:27 -0600</pubDate>
<description><![CDATA[The Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) recently launched a new licensing system for the mortgage industry. The Nationwide Mortgage Licensing System (NMLS) will be similar in scope and format to the one being used to regulate securities brokers and dealers. If this licensing system was in place before the sub prime mortgage meltdown, could it have been prevented?]]></description>
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<title>The Good Credit Foreclosure Crisis</title>
<link>http://EzineArticles.com/798550</link>
<guid>http://EzineArticles.com/798550</guid>
<pubDate>Tue, 27 Nov 2007 08:24:59 -0600</pubDate>
<description><![CDATA[This Current Foreclosure Crisis is defined not just by subprime mortgages - millions with good credit are also affected.  Two or three years ago, all anyone could talk about was the housing market. It was booming. Builders were building, buyers were buying, and lenders were lending. Everybody was making money hand over fist, and everybody loved it. ]]></description>
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<title>What Are Mortgage Lead Companies And Can They Be Harmful To Mortgage Shoppers?</title>
<link>http://EzineArticles.com/674990</link>
<guid>http://EzineArticles.com/674990</guid>
<pubDate>Wed, 17 Oct 2007 10:02:02 -0500</pubDate>
<description><![CDATA[More people seeking home mortgage financing are using the Internet to research, compare and apply online than ever before. Understanding the different kinds of companies and what exactly they are offering is critical to your financial well-being.]]></description>
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<title>The Bi-Weekly Mortgage Rip Off</title>
<link>http://EzineArticles.com/369978</link>
<guid>http://EzineArticles.com/369978</guid>
<pubDate>Fri, 03 Aug 2007 22:45:43 -0500</pubDate>
<description><![CDATA[Is the bi weekly mortgage a valid financial strategy or just another way for companies to collect a fee?  An exploration of mortgage principle pre-payment strategies.]]></description>
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<title>The 1% Mortgage - Be Careful What You Wish For!</title>
<link>http://EzineArticles.com/295873</link>
<guid>http://EzineArticles.com/295873</guid>
<pubDate>Thu, 14 Sep 2006 11:38:18 -0500</pubDate>
<description><![CDATA[The 1% Mortgage - Heavily advertised & very popular mortgage a.k.a the Option arm, MTA, Pick-a-Pay, can be a great loan for some but can be financially disastrous for many.  The reasons why they are being pushed by mortgage bankers & brokers, who should inquire and who should stay away, and positive & negative features of these loans revealed in this Q & A ]]></description>
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