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	<title>Joe Gross - The National Mortgage Expert &#187; Budgeting</title>
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	<link>http://www.thenationalmortgageexpert.com</link>
	<description>Your Source For Mortgage Tips And Insider Secrets</description>
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		<title>Money Matters: Get Your Financial Act in Order</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/money-matters-get-your-financial-act-in-order/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/money-matters-get-your-financial-act-in-order/#comments</comments>
		<pubDate>Tue, 28 Feb 2012 09:04:26 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5863</guid>
		<description><![CDATA[The recession &#8212; and subsequent slow recovery &#8212; has caused millions of Americans to focus even more closely on living within their means. If you are ready to face up to your own financial realities, one crucial step is to set up a plan of action. For full article, click here Share this post with [...]]]></description>
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		<title>10 steps to getting out of debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/10-steps-to-getting-out-of-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/10-steps-to-getting-out-of-debt/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 12:04:18 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5861</guid>
		<description><![CDATA[Making a New Year&#8217;s resolution to get out of debt is a time-honored tradition. The secret to succeeding with any resolution is to start with a plan, and a serious plan is indeed the best way to conquer debt and begin saving for a healthy future. For full article, click here Share this post with [...]]]></description>
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		</item>
		<item>
		<title>How to Find Extra Cash to Put Toward Your Debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-find-extra-cash-to-put-toward-your-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-find-extra-cash-to-put-toward-your-debt/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 12:06:50 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5837</guid>
		<description><![CDATA[It’s time to find that extra $50 (or more) in your monthly budget. And it’s easier than you might think.  There are only three ways to free up more cash to put toward your credit card debt For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>How a Debt Snowball Can Reduce and Then Eliminate Your Debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/how-a-debt-snowball-can-reduce-and-then-eliminate-your-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/how-a-debt-snowball-can-reduce-and-then-eliminate-your-debt/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 12:00:32 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[credit card companies]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5835</guid>
		<description><![CDATA[Using the debt snowball method can save you thousands of dollars in interest payments and significantly reduce the time it takes you to get out of credit card debt. For full article, click here Share this post with the world:]]></description>
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		</item>
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		<title>Tips for first-time homebuyers</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-first-time-homebuyers/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-first-time-homebuyers/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 12:35:58 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5829</guid>
		<description><![CDATA[Home ownership is a big step; make sure you are ready for this. One way to find out is by test driving home ownership first. Try living for three to six months within a budget as if you had purchased the home. Can you manage and adjust your lifestyle to make this work? For full [...]]]></description>
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		</item>
		<item>
		<title>Using a Bi-Weekly Mortgage Saves Money and Reduces Mortgage Repayment Time</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/using-a-bi-weekly-mortgage-saves-money-and-reduces-mortgage-repayment-time/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/using-a-bi-weekly-mortgage-saves-money-and-reduces-mortgage-repayment-time/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 12:16:00 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5819</guid>
		<description><![CDATA[For many a refinance is just not possible for a variety or reasons. For these individuals, there may be another option to save interest paid on your mortgage as well as reduce the total number of payments left over time. For full article, click here Share this post with the world:]]></description>
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		<title>30 Ways to Snowflake Your Debt Away</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/30-ways-to-snowflake-your-debt-away/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/30-ways-to-snowflake-your-debt-away/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 12:42:02 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt snowball method]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5813</guid>
		<description><![CDATA[Most people that have decided to take control of their finances and reduce their debt have come across at least one of the various debt snowball methods. It’s an effective way to arrange the debt so that there is the greatest opportunity to succeed in paying it all off. For full article, click here Share this [...]]]></description>
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		</item>
		<item>
		<title>5 reasons to get a new mortgage in 2012</title>
		<link>http://www.thenationalmortgageexpert.com/daily/5-reasons-to-get-a-new-mortgage-in-2012/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/5-reasons-to-get-a-new-mortgage-in-2012/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 12:22:17 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
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		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home affordable modification program]]></category>
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		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[making home affordable]]></category>
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		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5810</guid>
		<description><![CDATA[Mortgage interest rates, near all-time lows, are likely to remain attractive throughout 2012. That means opportunities for new homebuyers and for homeowners who want to refinance. For full article, click here Share this post with the world:]]></description>
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		<title>How to start getting out of debt before the end of January</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-start-getting-out-of-debt-before-the-end-of-january/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-start-getting-out-of-debt-before-the-end-of-january/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 12:38:45 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5806</guid>
		<description><![CDATA[One in ten people will still be paying off their Christmas debts next year, according to research.  While the majority of people will take an average of six months to pay off their debts, some 8 per cent will still be in the red next Christmas. For full article, click here Share this post with [...]]]></description>
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		<item>
		<title>7 Costly Misconceptions About Mortgage Loan Modifications</title>
		<link>http://www.thenationalmortgageexpert.com/daily/7-costly-misconceptions-about-mortgage-loan-modifications/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/7-costly-misconceptions-about-mortgage-loan-modifications/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 01:32:37 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5779</guid>
		<description><![CDATA[COSTLY MISCONCEPTION #1: You are not eligible for a loan modification until you are late paying your mortgage For full article, click here Share this post with the world:]]></description>
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		<title>5 Tips On Managing Your Credit Card As A Student</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/5-tips-on-managing-your-credit-card-as-a-student/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/5-tips-on-managing-your-credit-card-as-a-student/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 02:06:57 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5771</guid>
		<description><![CDATA[Just imagine being 35 years old, married with kids and still paying off bit by bit for pizza that you purchased in your early 20s when you were still in college? Learning how to use a credit card responsibly while in college can save you a lot in the future. For full article, click here [...]]]></description>
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		<item>
		<title>5 Million Loan Modifications Allowed</title>
		<link>http://www.thenationalmortgageexpert.com/daily/5-million-loan-modifications-allowed/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/5-million-loan-modifications-allowed/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 23:53:28 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5756</guid>
		<description><![CDATA[Nearly 5 million homeowners have obtained mortgage loan modifications over the past four years, according to figures released today by the HOPE NOW Alliance. For full article, click here Share this post with the world:]]></description>
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		<title>&#8216;Tis the season to keep a wary eye on debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/tis-the-season-to-keep-a-wary-eye-on-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/tis-the-season-to-keep-a-wary-eye-on-debt/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 23:42:14 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5754</guid>
		<description><![CDATA[More short-term loans are written in December than any other time of the year as impulsive spending takes over, says Sugendhree Reddy, director: banking products at Standard Bank. For full article, click here Share this post with the world:]]></description>
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		<title>Free Resources To Help Prevent Foreclosure</title>
		<link>http://www.thenationalmortgageexpert.com/daily/free-resources-to-help-prevent-foreclosure/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/free-resources-to-help-prevent-foreclosure/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 23:38:51 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
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		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5751</guid>
		<description><![CDATA[A government program, available since 2009, is helping homeowners who are struggling with their mortgage payments. Yet many homeowners who could be helped by the Making Home Affordable Program do not know that these free resources exist. For full article, click here Share this post with the world:]]></description>
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		<item>
		<title>Qualifying for a Loan Modification</title>
		<link>http://www.thenationalmortgageexpert.com/daily/qualifying-for-a-loan-modification/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/qualifying-for-a-loan-modification/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 12:00:36 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5732</guid>
		<description><![CDATA[Qualifying for a mortgage loan modification can be rough. With all the horror stories out there, you can&#8217;t blame some borrowers for just not wanting to try. But there are some general guidelines that can give you a pretty good idea of whether you can succeed or not. For full article, click here Share this [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips to trimming expenses in tough economy</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-to-trimming-expenses-in-tough-economy/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-to-trimming-expenses-in-tough-economy/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 21:32:29 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[World]]></category>
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		<category><![CDATA[economy]]></category>
		<category><![CDATA[expenses]]></category>
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		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5711</guid>
		<description><![CDATA[With the tough economic road ahead, it seems everyone is trying to tighten their wallets as much as possible. Even if you feel like you are at your bare bones budget already, there is always another way to trim a few more dollars off your spending. For full article, click here Share this post with [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Key Considerations When Planning For Retirement</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/5-key-considerations-when-planning-for-retirement/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/5-key-considerations-when-planning-for-retirement/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 14:49:53 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5689</guid>
		<description><![CDATA[If you have made debt a part of your everyday life, you need to get rid of it as soon as possible, before you find yourself in retirement. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Offers New Loan Mod Option</title>
		<link>http://www.thenationalmortgageexpert.com/daily/freddie-offers-new-loan-mod-option/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/freddie-offers-new-loan-mod-option/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 20:55:31 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[standard modification]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5687</guid>
		<description><![CDATA[The new option, called a Standard Modification, is designed for borrowers who are ineligible for a Home Affordable Modification Program (HAMP) loan modification or have previously defaulted on a HAMP or other loan mod. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Loan Modification Mistakes</title>
		<link>http://www.thenationalmortgageexpert.com/daily/4-loan-modification-mistakes/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/4-loan-modification-mistakes/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:00:53 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5680</guid>
		<description><![CDATA[In these tough financial times, a lot of homeowners are desperately trying to obtain a loan modification to make their mortgage more affordable. If you&#8217;re one of them, here are a few things you need to look out for. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners: Beware these loan modification scams</title>
		<link>http://www.thenationalmortgageexpert.com/daily/homeowners-beware-these-loan-modification-scams/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/homeowners-beware-these-loan-modification-scams/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 22:07:33 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[better business bureau]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[loan modification scam]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[scam]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5668</guid>
		<description><![CDATA[The Better Business Bureau wants to alert consumers about loan modification scams and how too-good-to-be-true deals are more common in today&#8217;s fragile economy. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Your Loan Modification Application Stuck?</title>
		<link>http://www.thenationalmortgageexpert.com/daily/is-your-loan-modification-application-stuck/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/is-your-loan-modification-application-stuck/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 21:49:43 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5664</guid>
		<description><![CDATA[  If you’re on the verge of losing your home, or you know someone who is, then you also know about the long, bureaucratic process involved in applying for a loan modification from a lender. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Stern Advice: Last-minute ways to find cash for college</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/stern-advice-last-minute-ways-to-find-cash-for-college/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/stern-advice-last-minute-ways-to-find-cash-for-college/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 22:17:33 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[college tuition]]></category>
		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5612</guid>
		<description><![CDATA[Parents are scrambling, as average private-school tuition tops $21,000, and many schools top $40,000, according to Department of Education figures. Those figures do not even include room and board, pizzas, iPads, colorful bedding or spring break trips. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The New Freshman 15: Financial Tips for College Students</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/the-new-freshman-15-financial-tips-for-college-students/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/the-new-freshman-15-financial-tips-for-college-students/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 20:05:27 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[financial tips]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5590</guid>
		<description><![CDATA[Forget the &#8220;freshman 15&#8243;, the dreaded additional pounds freshman frequently pack on when they settle into life on their own.  More importantly are the 15 smart financial moves you need to know to get through freshman year and beyond without racking up unnecessary debt. For full article, click here Share this post with the world:]]></description>
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		<item>
		<title>11 Tips to Shrink Your Credit Card Debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/11-tips-to-shrink-your-credit-card-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/11-tips-to-shrink-your-credit-card-debt/#comments</comments>
		<pubDate>Sun, 31 Jul 2011 17:30:34 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5578</guid>
		<description><![CDATA[High interest debt will keep you in the poor house forever, so do everything you can to get rid of it. Paying a little more each month is one of the best ways to shrink your credit card debt. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Accept an Unsolicited Loan Modification?</title>
		<link>http://www.thenationalmortgageexpert.com/daily/should-you-accept-an-unsolicited-loan-modification/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/should-you-accept-an-unsolicited-loan-modification/#comments</comments>
		<pubDate>Sun, 31 Jul 2011 17:17:07 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[mortgage balance]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5580</guid>
		<description><![CDATA[Banks have been surprising homeowners with tempting, unsolicited offers to modify mortgages. The proposed loan mods come with attractive terms and a chance to wipe out part of the mortgage balance. But some borrowers find the seeming generosity suspicious. For full article, click here Share this post with the world:]]></description>
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		<item>
		<title>11 Ways Budgeting Can Improve Your Life</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/11-ways-budgeting-can-improve-your-life/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/11-ways-budgeting-can-improve-your-life/#comments</comments>
		<pubDate>Mon, 11 Jul 2011 12:00:16 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5553</guid>
		<description><![CDATA[Living without a budget is similar to traveling across the country without a roadmap. While both can be accomplished, the result is usually expensive and wasteful. The household budget lists every anticipated expense in major categories that can be directly tied to actual expenditures. For full article, click here Share this post with the world:]]></description>
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		<item>
		<title>What to do when foreclosure looms</title>
		<link>http://www.thenationalmortgageexpert.com/daily/what-to-do-when-foreclosure-looms/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/what-to-do-when-foreclosure-looms/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 20:52:49 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Foreclosure]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5522</guid>
		<description><![CDATA[Something unexpected and financially overwhelming has happened — you&#8217;ve gotten sick or your hours have been cut at work or you&#8217;ve taken on the increasingly expensive care of an elderly parent. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 Ways To Spot Loan Modification Scams</title>
		<link>http://www.thenationalmortgageexpert.com/daily/8-ways-to-spot-loan-modification-scams/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/8-ways-to-spot-loan-modification-scams/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 22:23:19 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
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		<category><![CDATA[scam]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5493</guid>
		<description><![CDATA[We wanted to take the time to educate those who are searching for help and may not be able to tell a “good company” from a “bad” one.  If the company passes this list and you can afford their service fee, chances are your keeping your home. For full article, click here Share this post [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Treasury Punishes Top Banks for Poor Loan-Modification Performance</title>
		<link>http://www.thenationalmortgageexpert.com/daily/treasury-punishes-top-banks-for-poor-loan-modification-performance/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/treasury-punishes-top-banks-for-poor-loan-modification-performance/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 09:49:46 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home affordable modification program]]></category>
		<category><![CDATA[J.P. Morgan chase]]></category>
		<category><![CDATA[Joe Gross]]></category>
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		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5489</guid>
		<description><![CDATA[ On Thursday the Treasury Department announced that it will withhold incentive payments to Bank of America, J.P. Morgan Chase and Wells Fargo until they substantially improve their performance in the federal Home Affordable Modification Program, known as HAMP. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>There Are A Lot Of Roadblocks With A Loan Modification: Navigate Well</title>
		<link>http://www.thenationalmortgageexpert.com/daily/there-are-a-lot-of-roadblocks-with-a-loan-modification-navigate-well/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/there-are-a-lot-of-roadblocks-with-a-loan-modification-navigate-well/#comments</comments>
		<pubDate>Tue, 03 May 2011 12:00:58 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home affordable modification program]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[treasury department]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5392</guid>
		<description><![CDATA[The Home Affordable Modification Program is financed for $75 billion and provided usual loan workout terms to eligible homeowners.  Contributing lenders are entitled for incentive payments by the Treasury Department for each loan workout concluded by the government guidelines. For full article, click here Share this post with the world:]]></description>
		<wfw:commentRss>http://www.thenationalmortgageexpert.com/daily/there-are-a-lot-of-roadblocks-with-a-loan-modification-navigate-well/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Aid Still Needs To Be Offered To The Middle Class</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/mortgage-aid-still-needs-to-be-offered-to-the-middle-class/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/mortgage-aid-still-needs-to-be-offered-to-the-middle-class/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 12:00:14 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5269</guid>
		<description><![CDATA[With the financial crisis behind us, and as we work our way back to some sort of normal in the housing market, many questions have been raised on how we approve, assist and lend mortgages in this country. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>HAMP Numbers Steady, But Low</title>
		<link>http://www.thenationalmortgageexpert.com/daily/hamp-numbers-steady-but-low/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/hamp-numbers-steady-but-low/#comments</comments>
		<pubDate>Tue, 08 Mar 2011 04:31:01 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home affordable modification program]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5239</guid>
		<description><![CDATA[The Making Home Affordable anti-foreclosure program has been widely criticized for falling short of expectations, but it seems to have reached a sort of equilibrium recently. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Avoid Home Loan Modification Scams</title>
		<link>http://www.thenationalmortgageexpert.com/daily/how-to-avoid-home-loan-modification-scams/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/how-to-avoid-home-loan-modification-scams/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 12:00:53 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[loan modification scam]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[realtytrac]]></category>
		<category><![CDATA[scam]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5167</guid>
		<description><![CDATA[While nearly half a million people have so far reaped the rewards of President Obama&#8217;s HAMP program, the number pales in comparison to those who are struggling with the ongoing threat of foreclosure. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Loan Modification Scams: What You Need to Know to Avoid Being Duped!</title>
		<link>http://www.thenationalmortgageexpert.com/daily/loan-modification-scams-what-you-need-to-know-to-avoid-being-duped/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/loan-modification-scams-what-you-need-to-know-to-avoid-being-duped/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 02:56:49 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[HUD]]></category>
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		<category><![CDATA[scam]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5151</guid>
		<description><![CDATA[Listen up, because these loan modification scams could not only cost you thousands, but you could end up out of your home and out of luck! For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Major benefits of mortgage loan modification</title>
		<link>http://www.thenationalmortgageexpert.com/daily/3-major-benefits-of-mortgage-loan-modification/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/3-major-benefits-of-mortgage-loan-modification/#comments</comments>
		<pubDate>Thu, 03 Feb 2011 12:00:51 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
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		<category><![CDATA[repayment]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5133</guid>
		<description><![CDATA[There are certain loopholes of getting your mortgage terms modified but still you get certain benefits. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Important Tips To Get Approved For Your First Federal Loan Modification</title>
		<link>http://www.thenationalmortgageexpert.com/daily/5-important-tips-to-get-approved-for-your-first-federal-loan-modification/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/5-important-tips-to-get-approved-for-your-first-federal-loan-modification/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 23:15:33 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5090</guid>
		<description><![CDATA[Getting your mortgages modified under the government loan modification programs could be quite challenging. But you could make your task of getting an approval for a HAMP loan modification much easier by following certain important guidelines. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Government Loan Modification Program Wont Work For Everyone</title>
		<link>http://www.thenationalmortgageexpert.com/daily/government-loan-modification-program-wont-work-for-everyone/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/government-loan-modification-program-wont-work-for-everyone/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 12:00:54 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5076</guid>
		<description><![CDATA[Although the Obama loan modification program was enacted with good intentions, it isn’t for everyone. The goal of the program was to save homes from foreclosure and slow the decline of home prices. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowner Beats Bank Of America In Small Claims Court</title>
		<link>http://www.thenationalmortgageexpert.com/news/homeowner-beats-bank-of-america-in-small-claims-court/</link>
		<comments>http://www.thenationalmortgageexpert.com/news/homeowner-beats-bank-of-america-in-small-claims-court/#comments</comments>
		<pubDate>Mon, 10 Jan 2011 12:00:55 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Learning Center]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Joe Gross]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5064</guid>
		<description><![CDATA[A California homeowner sued Bank of America in small claims court and won $7,595 from the bank after it burned him on a mortgage modification. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chase Bank Gives HOPE LoanPort $100,000 Grant to Facilitate Loan Mod Efforts</title>
		<link>http://www.thenationalmortgageexpert.com/daily/chase-bank-gives-hope-loanport-100000-grant-to-facilitate-loan-mod-efforts/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/chase-bank-gives-hope-loanport-100000-grant-to-facilitate-loan-mod-efforts/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 12:00:12 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[Chase Bank]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HOPE LoanPort]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5062</guid>
		<description><![CDATA[HOPE LoanPort has announced that Chase Bank has awarded the non-profit a $100,000 grant to help facilitate mortgage loan modifications. Formed in 2009, HOPE LoanPort is a Web-based utility created to improve the execution of loan modifications. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A new year brings a new chance to reach your financial goals</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/a-new-year-brings-a-new-chance-to-reach-your-financial-goals/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/a-new-year-brings-a-new-chance-to-reach-your-financial-goals/#comments</comments>
		<pubDate>Tue, 28 Dec 2010 12:00:17 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
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		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5042</guid>
		<description><![CDATA[This is your chance to start fresh with your finances, another opportunity to achieve the goals you didn&#8217;t hit in 2010. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>50 Ways to Improve Your Finances in 2011</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/50-ways-to-improve-your-finances-in-2011/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/50-ways-to-improve-your-finances-in-2011/#comments</comments>
		<pubDate>Tue, 28 Dec 2010 03:12:37 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=5048</guid>
		<description><![CDATA[Whether you want to ramp up your earning power, finally start a retirement savings account, or just stop feeling like you&#8217;re wasting money, now is the time to put together your New Year&#8217;s resolutions. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Obama&#8217;s HAMP Loan Modification Program – Get a mortgage loan with bad credit</title>
		<link>http://www.thenationalmortgageexpert.com/daily/obamas-hamp-loan-modification-program-%e2%80%93-get-a-mortgage-loan-with-bad-credit/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/obamas-hamp-loan-modification-program-%e2%80%93-get-a-mortgage-loan-with-bad-credit/#comments</comments>
		<pubDate>Mon, 13 Dec 2010 12:00:38 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HASP]]></category>
		<category><![CDATA[homeowner affordability and stability plan]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[making home affordable]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[plan]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4986</guid>
		<description><![CDATA[Barrack Obama declared a $75 billion initiative known as the Homeowner Affordability and Stability Plan (HASP).Making Home Affordable plan, is integrated of different parts: For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips for Curing the Holiday Shopping Hangover Ahead of Time</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-curing-the-holiday-shopping-hangover-ahead-of-time/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-curing-the-holiday-shopping-hangover-ahead-of-time/#comments</comments>
		<pubDate>Mon, 13 Dec 2010 12:00:23 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[News]]></category>
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		<category><![CDATA[budget]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4998</guid>
		<description><![CDATA[With the holiday season in full swing, now is the time to take a look at your finance to find ways to stretch your holiday budget and avoid the preverbal lump of coal in your January bill statements. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Monthly and annual checklists put money in good shape</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/monthly-and-annual-checklists-put-money-in-good-shape/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/monthly-and-annual-checklists-put-money-in-good-shape/#comments</comments>
		<pubDate>Mon, 29 Nov 2010 12:00:18 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[budget]]></category>
		<category><![CDATA[checklists]]></category>
		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4943</guid>
		<description><![CDATA[Once you gain control of your pocketbook on a daily and weekly basis, it&#8217;s a good idea to begin doing a &#8220;big-picture&#8221; check of your budget every month. You&#8217;ll need to do other tasks only every year or so. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 expenses to cut to help pay off credit card debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/10-expenses-to-cut-to-help-pay-off-credit-card-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/10-expenses-to-cut-to-help-pay-off-credit-card-debt/#comments</comments>
		<pubDate>Mon, 29 Nov 2010 12:00:06 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4948</guid>
		<description><![CDATA[If you find yourself falling deeper into credit card trouble, it&#8217;s time to take a hard look at what&#8217;s coming in, what&#8217;s going out and see where you can free up some cash quickly to start hacking away at your debt.  For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Simply daily and weekly tasks to manage your money</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/simply-daily-and-weekly-tasks-to-manage-your-money/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/simply-daily-and-weekly-tasks-to-manage-your-money/#comments</comments>
		<pubDate>Fri, 26 Nov 2010 12:00:20 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4946</guid>
		<description><![CDATA[Words like &#8220;budget,&#8221; &#8220;financial plan&#8221; and &#8220;money management&#8221; can sound intimidating. Especially to those who have developed habits of paying bills late or running up credit cards, money can feel like an unmanageable problem. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 steps to stress-free holiday spending</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/7-steps-to-stress-free-holiday-spending/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/7-steps-to-stress-free-holiday-spending/#comments</comments>
		<pubDate>Fri, 26 Nov 2010 12:00:17 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[holiday spending]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4937</guid>
		<description><![CDATA[Do you usually end up in credit card debt after the holidays? If so, then make a vow right now that this will be the year you change history. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to avoid having holiday debt hangover</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-avoid-having-holiday-debt-hangover/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/how-to-avoid-having-holiday-debt-hangover/#comments</comments>
		<pubDate>Wed, 24 Nov 2010 15:34:29 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debit card]]></category>
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		<category><![CDATA[Joe Gross]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4940</guid>
		<description><![CDATA[Shoppers say that instead of credit cards, they will be using debit cards and cash. Seven in 10 shoppers plan to use one of those two methods to pay for holiday purchases, according to a survey by the National Foundation for Credit Counseling. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae&#8217;s new website KNOW YOUR OPTIONS</title>
		<link>http://www.thenationalmortgageexpert.com/daily/fannie-maes-new-website-know-your-options/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/fannie-maes-new-website-know-your-options/#comments</comments>
		<pubDate>Tue, 23 Nov 2010 12:00:42 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[know your options]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4923</guid>
		<description><![CDATA[The government is trying to reach out to homeowners as much as possible.  With the inception of the Federal government’s Home Affordable Modification Program, Making Home Affordable and the numerous programs available for FHA and VA loans, it is still a wonder as to why some homeowners are still left wondering what their options are. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips for toppling credit card debt</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-toppling-credit-card-debt/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/tips-for-toppling-credit-card-debt/#comments</comments>
		<pubDate>Thu, 18 Nov 2010 12:00:32 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[credit card debt]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4901</guid>
		<description><![CDATA[Lingering credit card debt got you down?  These simple but effective pay-down strategies will help you chip away at even the most stubborn credit card debt.  Pick and choose the tips that work best for you. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>5 tips to surviving the loan modification process</title>
		<link>http://www.thenationalmortgageexpert.com/daily/5-tips-to-surviving-the-loan-modification-process/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/5-tips-to-surviving-the-loan-modification-process/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 12:00:32 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4892</guid>
		<description><![CDATA[The mortgage modification process is no picnic. But if you understand these tips, you can increase your chances of getting help and keep your sanity too. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Before refinancing, try a loan modification &#8211; they&#8217;re not just for troubled borrowers</title>
		<link>http://www.thenationalmortgageexpert.com/daily/before-refinancing-try-a-loan-modification-theyre-not-just-for-troubled-borrowers/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/before-refinancing-try-a-loan-modification-theyre-not-just-for-troubled-borrowers/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 12:00:26 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
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		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[troubled borrowers]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4896</guid>
		<description><![CDATA[Sometimes getting a better rate means keeping your current mortgage.  Some banks offer qualified borrowers loan modifications, allowing them to adjust their mortgage to a lower interest rate without the hassle and cost of refinancing. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>Loan Modifications Often Challenging</title>
		<link>http://www.thenationalmortgageexpert.com/daily/loan-modifications-often-challenging/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/loan-modifications-often-challenging/#comments</comments>
		<pubDate>Tue, 16 Nov 2010 12:00:56 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4894</guid>
		<description><![CDATA[Lawyers who work with laid-off homeowners who are trying to keep their home find it arduous to get a loan servicer to negotiate a loan modification. Those trying to keep paying their mortgage despite a job loss, divorce or health problem face repeated requests for the same paperwork, lawyers say. For full article, click here [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The HAMP Loan Modification Program Has Helped Many Save $ 514 per Month</title>
		<link>http://www.thenationalmortgageexpert.com/daily/the-hamp-loan-modification-program-has-helped-many-save-514-per-month/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/the-hamp-loan-modification-program-has-helped-many-save-514-per-month/#comments</comments>
		<pubDate>Tue, 16 Nov 2010 12:00:14 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home affordable modification program]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage payments]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4887</guid>
		<description><![CDATA[President Obama’s home affordable modification program (HAMP) seems to be doing wonders these days. Borrowers who availed HAMP loan modifications are more likely to stay current on their monthly mortgage payments as compared to their other counterparts who secured various mortgage modification alternatives. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. has spent tiny fraction of loan-mod funds</title>
		<link>http://www.thenationalmortgageexpert.com/daily/u-s-has-spent-tiny-fraction-of-loan-mod-funds/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/u-s-has-spent-tiny-fraction-of-loan-mod-funds/#comments</comments>
		<pubDate>Mon, 15 Nov 2010 15:37:12 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[TRAP]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4889</guid>
		<description><![CDATA[When the Obama administration launched its flagship foreclosure prevention program in early 2009, it pledged to spend up to $50 billion helping struggling homeowners. But the government has so far only spent a tiny fraction of that. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Loan Modification Scams Via Telemarketing</title>
		<link>http://www.thenationalmortgageexpert.com/daily/loan-modification-scams-via-telemarketing/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/loan-modification-scams-via-telemarketing/#comments</comments>
		<pubDate>Wed, 10 Nov 2010 12:00:13 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[loan modification scam]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[telemarketer]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4869</guid>
		<description><![CDATA[The Office of the Nevada Attorney is warning consumers of prerecorded telemarketing calls offering credit repair or loan modification services. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>Budgeting When You&#8217;re Broke</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/budgeting-when-youre-broke/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/budgeting-when-youre-broke/#comments</comments>
		<pubDate>Wed, 03 Nov 2010 12:00:40 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Daily]]></category>
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		<category><![CDATA[World]]></category>
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		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4856</guid>
		<description><![CDATA[Suffering from a lack of cash? It&#8217;s never too late to achieve your financial goals &#8211; get started now with these 10 steps to make your financial life less stressful. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>Loan Modifications: These Companies Demonstrate What NOT To Do</title>
		<link>http://www.thenationalmortgageexpert.com/daily/loan-modifications-these-companies-demonstrate-what-not-to-do/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/loan-modifications-these-companies-demonstrate-what-not-to-do/#comments</comments>
		<pubDate>Tue, 02 Nov 2010 12:00:55 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4835</guid>
		<description><![CDATA[Chicago’s Mortgage Fraud Task Force has targeted and stalled illegal loan modification operations by 11 local companies thanks to complaints from a mortgage counseling agency[1]. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Mac Announces Fewer Defaults</title>
		<link>http://www.thenationalmortgageexpert.com/daily/freddie-mac-announces-fewer-defaults/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/freddie-mac-announces-fewer-defaults/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 15:56:38 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[default]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4840</guid>
		<description><![CDATA[Mortgage giant Freddie Mac has announced that fewer homeowners are defaulting on their home loans. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank of America Sued Over Loan-Modification Practices</title>
		<link>http://www.thenationalmortgageexpert.com/daily/bank-of-america-sued-over-loan-modification-practices/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/bank-of-america-sued-over-loan-modification-practices/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 15:48:18 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[bank of america]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4833</guid>
		<description><![CDATA[Bank of America Corp., the largest U.S. bank by assets, was sued by a Florida borrower who accused the bank of violating the federal government’s home-loan modification program to boost its earnings. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lost in the system that took the house</title>
		<link>http://www.thenationalmortgageexpert.com/daily/lost-in-the-system-that-took-the-house/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/lost-in-the-system-that-took-the-house/#comments</comments>
		<pubDate>Thu, 07 Oct 2010 12:00:23 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Foreclosure]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4785</guid>
		<description><![CDATA[Critical papers regarding his Orlando home were missing dates, and some signatures appeared to him to be forged. He challenged the foreclosure in court but failed. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No-Interest Mortgages? No Chance</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/no-interest-mortgages-no-chance/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/no-interest-mortgages-no-chance/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 16:46:37 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[no interest mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4782</guid>
		<description><![CDATA[Imagine financing a home purchase with a no-interest mortgage. You probably never would want to move again.  Granted, it is doubtful that you will ever have that luxury. But if rates continue to drop, mortgage rates could inch in the direction of 0%. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowner Tips for Getting Loan Modifications</title>
		<link>http://www.thenationalmortgageexpert.com/daily/homeowner-tips-for-getting-loan-modifications/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/homeowner-tips-for-getting-loan-modifications/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 12:00:55 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[mortgage payment]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4756</guid>
		<description><![CDATA[ProPublica asked a simple question of more than 700 homeowners dealing with the administration&#8217;s mortgage modification program: Knowing what you know now, what tips would you give someone who&#8217;s struggling with a mortgage payment? For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>First-home buyers return to the market</title>
		<link>http://www.thenationalmortgageexpert.com/daily/first-home-buyers-return-to-the-market/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/first-home-buyers-return-to-the-market/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 12:00:20 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
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		<category><![CDATA[afg mortgage]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4729</guid>
		<description><![CDATA[Figures from the latest AFG Mortgage Index showed that sales in August rose 10.9 per cent over the previous month, along with a number of &#8220;positive trends&#8221;. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Newark receives $2M in federal funds to rehabilitate, resell 47 foreclosed homes</title>
		<link>http://www.thenationalmortgageexpert.com/daily/newark-receives-2m-in-federal-funds-to-rehabilitate-resell-47-foreclosed-homes/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/newark-receives-2m-in-federal-funds-to-rehabilitate-resell-47-foreclosed-homes/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 12:00:03 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Foreclosure]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4734</guid>
		<description><![CDATA[Newark will receive $2 million in federal money to fund an initiative intended to reverse the effects of the foreclosure crisis, federal and city officials announced at a press conference today. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Homes Aren&#8217;t Affordable Yet</title>
		<link>http://www.thenationalmortgageexpert.com/daily/why-homes-arent-affordable-yet/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/why-homes-arent-affordable-yet/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 12:00:32 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[making home affordable]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4723</guid>
		<description><![CDATA[While the Obama administration&#8217;s &#8220;Making Home Affordable&#8221; program has been firing its gun at the housing crisis for over a year, it hasn&#8217;t yet found the magic bullet. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Loan Modification Scams</title>
		<link>http://www.thenationalmortgageexpert.com/daily/beware-of-loan-modification-scams-2/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/beware-of-loan-modification-scams-2/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 12:00:30 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[loan modification scam]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4720</guid>
		<description><![CDATA[They prey on people who have gotten behind on their mortgages, who are in danger of losing their home… or have already received the dreaded foreclosure notice.  The scam companies are ruthless&#8230; For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>As Pay Falls, Borrowers Lose Ground</title>
		<link>http://www.thenationalmortgageexpert.com/daily/as-pay-falls-borrowers-lose-ground/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/as-pay-falls-borrowers-lose-ground/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 12:00:10 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Foreclosure]]></category>
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		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[debt-to-income ratio]]></category>
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		<category><![CDATA[gross monthly income]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4715</guid>
		<description><![CDATA[LENDERS scrutinize all elements of a mortgage application, but one factor remains critical: the debt-to-income ratio, or the percentage of a borrower’s monthly gross income that goes toward housing expenses. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gov&#8217;t launches plan to help &#8220;underwater&#8221; borrowers</title>
		<link>http://www.thenationalmortgageexpert.com/daily/govt-launches-plan-to-help-underwater-borrowers/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/govt-launches-plan-to-help-underwater-borrowers/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 15:03:30 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<category><![CDATA[credit card]]></category>
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		<category><![CDATA[foreclosure crisis]]></category>
		<category><![CDATA[Joe Gross]]></category>
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		<category><![CDATA[underwater mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4731</guid>
		<description><![CDATA[The Obama administration is trying to jump-start its sputtering attempts to tackle the foreclosure crisis with an effort to assist homeowners who owe more on their properties than their homes are worth. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>Fannie Mae to Sell Foreclosed Homes With Subprime Lending Terms</title>
		<link>http://www.thenationalmortgageexpert.com/daily/fannie-mae-to-sell-foreclosed-homes-with-subprime-lending-terms/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/fannie-mae-to-sell-foreclosed-homes-with-subprime-lending-terms/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 14:51:16 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
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		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[homepath program]]></category>
		<category><![CDATA[Joe Gross]]></category>
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		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4726</guid>
		<description><![CDATA[Thought those great low down-payment deals were gone? Think again. If you&#8217;re willing to buy a home foreclosed by Fannie Mae through the new HomePath program, you may be able to purchase one with as little as 3 percent down. For full article, click here Share this post with the world:]]></description>
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		</item>
		<item>
		<title>Credit card secrets: Be on the lookout for a raft of new credit card fees</title>
		<link>http://www.thenationalmortgageexpert.com/daily/credit-card-secrets-be-on-the-lookout-for-a-raft-of-new-credit-card-fees/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/credit-card-secrets-be-on-the-lookout-for-a-raft-of-new-credit-card-fees/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 12:00:57 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
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		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card act]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4712</guid>
		<description><![CDATA[The Credit CARD act (the Credit Card Accountability, Responsibility and Disclosure Act) was designed to give a measure of protection to credit card holders by regulating, amongst other things, interest rates, fees, and statements. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sample Hardship Letters For Loan Modifications – 6 Elements Of A Winning Letter</title>
		<link>http://www.thenationalmortgageexpert.com/daily/sample-hardship-letters-for-loan-modifications-%e2%80%93-6-elements-of-a-winning-letter/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/sample-hardship-letters-for-loan-modifications-%e2%80%93-6-elements-of-a-winning-letter/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 12:00:44 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
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		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4708</guid>
		<description><![CDATA[Financial hardship is more less generic but there are always going to be elements to hardship that are unique. For full article, click here Share this post with the world:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New FHA Loan-to-Value and Credit Score Requirements</title>
		<link>http://www.thenationalmortgageexpert.com/daily/new-fha-loan-to-value-and-credit-score-requirements/</link>
		<comments>http://www.thenationalmortgageexpert.com/daily/new-fha-loan-to-value-and-credit-score-requirements/#comments</comments>
		<pubDate>Tue, 07 Sep 2010 16:10:36 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=4717</guid>
		<description><![CDATA[The new requirements are Borrowers with a minimum decision credit score at or above 580 are eligible for maximum financing. For full article, click here Share this post with the world:]]></description>
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		<title>Fewer Credit Card Offers in the Mail, But More Fees</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/fewer-credit-card-offers-in-the-mail-but-more-fees/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/fewer-credit-card-offers-in-the-mail-but-more-fees/#comments</comments>
		<pubDate>Sun, 07 Jun 2009 01:26:07 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=2107</guid>
		<description><![CDATA[There&#8217;s mixed news on the credit card front. U.S. households are receiving far fewer credit card offers, which could be a good thing for those who might easily fall into the debt trap. But for those receiving offers, the cards increasingly come with annual fees. For Full Article Click Here Share this post with the [...]]]></description>
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		<title>Credit card defaults up, delinquencies fall: Fitch</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/credit-card-defaults-up-delinquencies-fall-fitch/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/credit-card-defaults-up-delinquencies-fall-fitch/#comments</comments>
		<pubDate>Fri, 05 Jun 2009 14:29:31 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=2109</guid>
		<description><![CDATA[NEW YORK (Reuters) &#8211; Credit card defaults rose to record highs in April, as Americans lost their jobs and struggled with a deep recession, but delinquencies fell for the first time in five months, suggesting losses could stabilize in the coming months, Fitch Ratings said on Thursday.   Fitch&#8217;s prime credit card chargeoff index &#8212; [...]]]></description>
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		<title>Obama Calls for Credit Card Industry Reform</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/obama-calls-for-credit-card-industry-reform/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/obama-calls-for-credit-card-industry-reform/#comments</comments>
		<pubDate>Thu, 14 May 2009 17:29:54 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=2006</guid>
		<description><![CDATA[WASHINGTON &#8212; The credit-card industry needs immediate reform, President Barack Obama said Thursday, as Congress continued working on legislation aimed at curbing rates and fees deemed as abusive by some. The president has been pushing for increased credit-card industry accountability and more protections for consumers as the recession straps families and banks receive hundreds of [...]]]></description>
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		<title>US House Lawmakers Move To Rein In Credit Card Cos</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/us-house-lawmakers-move-to-rein-in-credit-card-cos/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/us-house-lawmakers-move-to-rein-in-credit-card-cos/#comments</comments>
		<pubDate>Thu, 30 Apr 2009 23:14:12 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1938</guid>
		<description><![CDATA[The House Thursday approved a bill that would curb what supporters described as predatory credit card practices and eliminate spikes in credit card interest rates. The House approved the package 357-70. Among other things, the plan would ban what&#8217;s known as &#8220;double-cycle billing&#8221; as well as retroactive rate hikes. The measure would also require credit [...]]]></description>
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		<title>Is refinancing your mortgage a viable option?</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/is-refinancing-your-mortgage-a-viable-option/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/is-refinancing-your-mortgage-a-viable-option/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 22:44:07 +0000</pubDate>
		<dc:creator>Tconsoli</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Foreclosure]]></category>
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		<category><![CDATA[Your Home-Your Future Radio]]></category>
		<category><![CDATA[credit cards]]></category>
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		<category><![CDATA[Home Loan]]></category>
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		<category><![CDATA[rates]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1212</guid>
		<description><![CDATA[Mortgage rates have dropped to historically low levels in recent months. If you already have a mortgage and wonder if you could benefit by refinancing your home loan, it may be worth a closer look. But refinancing is a complex process, one that can be costly, as well. You want to be sure that refinancing [...]]]></description>
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		<title>Visa Results Defy Economic Slump</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/visa-results-defy-economic-slump/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/visa-results-defy-economic-slump/#comments</comments>
		<pubDate>Thu, 05 Feb 2009 00:09:24 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[new jersey mortgage]]></category>
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		<category><![CDATA[visa]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1142</guid>
		<description><![CDATA[ Visa reported a 35% jump in quarterly net income amid strong increases in payments volume and processed transactions. » Full Story on Wall Street Journal Share this post with the world:]]></description>
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		<title>How To Downsize Your House</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/how-to-downsize-your-house/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/how-to-downsize-your-house/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 16:09:00 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1123</guid>
		<description><![CDATA[ Many people are looking to declutter their lives these days. But editing a lifetime&#8217;s worth of possessions can be difficult. Here are some tips. » Full Story on Wall Street Journal Share this post with the world:]]></description>
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		<title>Builders Offer Rock-Bottom Rates</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/builders-offer-rock-bottom-rates/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/builders-offer-rock-bottom-rates/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 15:59:38 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[builders]]></category>
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		<category><![CDATA[economy]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1121</guid>
		<description><![CDATA[ Beleaguered home builders are promoting interest rates well below the national average, with industry giant Lennar lowering the bar to 3.875%. » Full Story on Wall Street Journal Share this post with the world:]]></description>
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		<title>New Hud Program Keep Your Home. Know your Loan.</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/new-hud-program-keep-your-home-know-your-loan/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/new-hud-program-keep-your-home-know-your-loan/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 22:32:19 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[Learning Center]]></category>
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		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1100</guid>
		<description><![CDATA[This Thursday January 29Th I will have a HUD representative on the radio show to discuss the new program &#8220;Keep Your Home Know Your Loan&#8221;  Here is the Information from HUD. In light of the economic conditions, including declining home values and the increase of resetting mortgage rates, many Americans are facing significant challenges that are [...]]]></description>
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		<title>Is There Light At The End Of The Tunnel?</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/is-there-light-at-the-end-of-the-tunnel/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/is-there-light-at-the-end-of-the-tunnel/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 02:12:57 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[positive]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1092</guid>
		<description><![CDATA[We have heard so much bad news recently, and the question everyone is asking me is there light at the end of the tunnel? i have to tell you folks that there is and i believe there is still a great opportunity now to accomplish your goals for this year. it doesn&#8217;t make a difference [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Government Lowering Mortgage Rates To Revitalize Housing Markets</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/government-lowering-mortgage-rates-to-revitalize-housing-markets/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/government-lowering-mortgage-rates-to-revitalize-housing-markets/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 21:21:42 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[free financial analysis]]></category>
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		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=1068</guid>
		<description><![CDATA[From The WSJ WASHINGTON &#8212; The Treasury Department is considering a plan to revitalize the U.S. home market by reducing mortgage rates for new home loans, according to people familiar with the matter. The plan, which is in the development stages, would use mortgage giants Fannie Mae and Freddie Mac to bring loan rates down [...]]]></description>
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		<title>Credit Card Issuers Slash Credit Limits</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/credit-card-issuers-slash-credit-limits/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/credit-card-issuers-slash-credit-limits/#comments</comments>
		<pubDate>Sun, 26 Oct 2008 04:35:01 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=967</guid>
		<description><![CDATA[On Thursday October 23rd on my radio show i got a call from Jacob from monsey, (You can always listen to the comlpete radio show by clicking here http://yourhomeyourfutureradioshow.com) his question to me was in regards to credit card companies slahing credit limits. I&#8217;m posting this article from Fox Business that discusses this issue in [...]]]></description>
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		<title>The Simple Way To Control Your Credit Card Spending</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/the-simple-way-to-control-your-credit-card-spending/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/the-simple-way-to-control-your-credit-card-spending/#comments</comments>
		<pubDate>Tue, 14 Oct 2008 05:00:57 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Learning Center]]></category>
		<category><![CDATA[Tips, Tricks & Secrets]]></category>
		<category><![CDATA[credit card help]]></category>
		<category><![CDATA[managing credit cards]]></category>
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		<category><![CDATA[Tricks & Secrets]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=943</guid>
		<description><![CDATA[With all the credit cards we have kicking around in our wallets, it can be really difficult to remember what we spent each month. Then, we end up being surprised when our bill comes and have a bit of a panic about how we’re going to pay them. This absolutely ingenious solution came from an [...]]]></description>
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		<title>Budget Builder Tip #5: Getting The Right Tools For The Job</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-5-getting-the-right-tools-for-the-job/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-5-getting-the-right-tools-for-the-job/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:27:40 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budge]]></category>
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		<category><![CDATA[The National Mortgage Expert]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=776</guid>
		<description><![CDATA[This is the last installment in our Budget Builder Series but it is the easiest out of all of them. You&#8217;ve done a lot of hard work this week working out how much you spend, where you can trim excess, making plans to build yourself a financial cushion and learning some guidelines that will help [...]]]></description>
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		<title>Budget Builder Tip #4: Budget Guidelines That Work</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-4-budget-guidelines-that-work/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-4-budget-guidelines-that-work/#comments</comments>
		<pubDate>Thu, 25 Sep 2008 04:04:22 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budget builder]]></category>
		<category><![CDATA[Joe Gross]]></category>
		<category><![CDATA[The National Mortgage Expert]]></category>

		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=753</guid>
		<description><![CDATA[It&#8217;s day number four here on the Budget Builder series and today we&#8217;re going to focus on building a budget that works. Building a budget is not that complicated. Sticking with it can be a challenge. The more realistic your goals and expectations are, the easier it will be to stay on track. I know [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Budget Builder Tip #3: Giving Yourself A Cushion</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-3-giving-yourself-a-cushion/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/budget-builder-tip-3-giving-yourself-a-cushion/#comments</comments>
		<pubDate>Wed, 24 Sep 2008 05:07:14 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Learning Center]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=747</guid>
		<description><![CDATA[So, you&#8217;ve found out how much your are actually spending in a month, gone through your receipts and got rid of the things you don&#8217;t really need&#8230;.now what? What are you going to do with all that extra money? Here&#8217;s a clue: SAVE IT! But, I hear you say, wouldn&#8217;t it be better to pay [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Budget Builder Tip #2:  Trimming The Fat</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/budget-builder-tip-2-trimming-the-fat/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/budget-builder-tip-2-trimming-the-fat/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 05:40:04 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips, Tricks & Secrets]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=688</guid>
		<description><![CDATA[Yesterday we talked about how to make a list of your expenses so you are aware of exactly how much you are spending. Today we&#8217;re going to look at how to trim down areas where you are spending more than you really need to. Don&#8217;t worry, this doesn&#8217;t mean that you can never go out [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Budget Builder Tip #1: Be Realistic About Your Spending</title>
		<link>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/budget-builder-tip-1-be-realistic-about-your-spending/</link>
		<comments>http://www.thenationalmortgageexpert.com/mortgage-tips-tricks-secrets/budget-builder-tip-1-be-realistic-about-your-spending/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 17:39:42 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=682</guid>
		<description><![CDATA[There is nothing about effective budgeting that is rocket science. You don&#8217;t need an accountant or a financial advisor to help you get on track. All you need is some time, your bills a piece of paper and a pencil. Sure, you can get more fancy than that if you like but for very basic [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>It&#8217;s Budget Week!</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/free-budget-tips/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/free-budget-tips/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 12:38:38 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=675</guid>
		<description><![CDATA[Hello everyone, I hope you had a lovely weekend with your family. This week we&#8217;re going to take a look at some ways to keep on track when it comes to budgeting. Whether you&#8217;re already having trouble making it to the end of the month or want to get your finances in order so you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is &#8216;Budget&#8217; A Four Letter Word?</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/is-budget-a-four-letter-word/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/is-budget-a-four-letter-word/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 20:26:19 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=343</guid>
		<description><![CDATA[This month, with the economy doing so much wavering, with gas over $4 a gallon, with the government spending billions a month we don’t have…we thought we would address a very important component of financial planning that is often overlooked.    Spending money and the issue of budgeting.   It sounds like it should be [...]]]></description>
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		<title>Where Were You 7 Years Ago Today?</title>
		<link>http://www.thenationalmortgageexpert.com/budgeting-tools/where-were-you-7-years-ago-today/</link>
		<comments>http://www.thenationalmortgageexpert.com/budgeting-tools/where-were-you-7-years-ago-today/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 06:47:21 +0000</pubDate>
		<dc:creator>Joe Gross</dc:creator>
				<category><![CDATA[Budgeting]]></category>
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		<guid isPermaLink="false">http://www.thenationalmortgageexpert.com/?p=445</guid>
		<description><![CDATA[Today is Patriot Day, September 11, 2008. Patriot Day is observed each year in memory of the nearly three thousand who died in the September 11, 2001 attacks. Americans are asked to observe a moment of silence beginning at 8:46 a.m. EDT, the time the attacks began and I hope all of you will have [...]]]></description>
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