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	<title>Comments on: Emergency Mortgage Loan Modification Act of 2007</title>
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	<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/</link>
	<description>Loan Modification &#38; Home Loan News</description>
	<lastBuildDate>Fri, 20 Nov 2009 12:55:43 -0700</lastBuildDate>
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		<title>By: Tiffany</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10720</link>
		<dc:creator>Tiffany</dc:creator>
		<pubDate>Sat, 21 Jun 2008 23:08:12 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10720</guid>
		<description>Robyn,

You are a bitch!  Get over yourself.</description>
		<content:encoded><![CDATA[<p>Robyn,</p>
<p>You are a bitch!  Get over yourself.</p>
]]></content:encoded>
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	<item>
		<title>By: terry wetherholt</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10715</link>
		<dc:creator>terry wetherholt</dc:creator>
		<pubDate>Mon, 16 Jun 2008 12:52:06 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10715</guid>
		<description>Can Gay income partner be considered if mate is not on title?</description>
		<content:encoded><![CDATA[<p>Can Gay income partner be considered if mate is not on title?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Terry</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10713</link>
		<dc:creator>Terry</dc:creator>
		<pubDate>Thu, 05 Jun 2008 11:00:40 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10713</guid>
		<description>Jeff &amp; Shelly:

People like Robyn are really the problem.  I am also a Mortgage Broker and have been hit hard with this meltdown.  I am currently drowning and my payments have fallen behind due to making an honest decision to continue to support my elderly family members.  Their pension is not helping them survive and my household has had to supplement their care giving expenses as well as medications and food.  What do you do?  You cannot let them starve.  They paved the way for me. Robyn, I guess you were born with a silver spoon in your mouth.  If that is the case, good for you!  Adversity teaches you what you are made of.</description>
		<content:encoded><![CDATA[<p>Jeff &amp; Shelly:</p>
<p>People like Robyn are really the problem.  I am also a Mortgage Broker and have been hit hard with this meltdown.  I am currently drowning and my payments have fallen behind due to making an honest decision to continue to support my elderly family members.  Their pension is not helping them survive and my household has had to supplement their care giving expenses as well as medications and food.  What do you do?  You cannot let them starve.  They paved the way for me. Robyn, I guess you were born with a silver spoon in your mouth.  If that is the case, good for you!  Adversity teaches you what you are made of.</p>
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	<item>
		<title>By: GOVERNOR PATRICK CALLS FOR FIRST IN NATION STANDARDS FOR LENDERS RESPONSE TO BORROWERS FACING FORECLOSURE &#124; Loan Modification &#38; Home Loan News</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10714</link>
		<dc:creator>GOVERNOR PATRICK CALLS FOR FIRST IN NATION STANDARDS FOR LENDERS RESPONSE TO BORROWERS FACING FORECLOSURE &#124; Loan Modification &#38; Home Loan News</dc:creator>
		<pubDate>Sun, 01 Jun 2008 13:52:46 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10714</guid>
		<description>[...] Affairs and Business Regulation.  “These workshops are designed to remove roadblocks to the loan modifications and other potential solutions that will keep people in their homes over the long-term.  Bringing [...]</description>
		<content:encoded><![CDATA[<p>[...] Affairs and Business Regulation.  “These workshops are designed to remove roadblocks to the loan modifications and other potential solutions that will keep people in their homes over the long-term.  Bringing [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Jeff</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10718</link>
		<dc:creator>Jeff</dc:creator>
		<pubDate>Wed, 28 May 2008 23:54:18 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10718</guid>
		<description>I agree with Shelley. You are a jerk Robyn. This market was not as foreseeable as you may think. I am a mortgage broker and never thought it would be this bad. I have been in the industry for a while on the wholesale (lender) side as well as the retail side. It is unfortunate, I lost my house due to the market crash. Since my income was tied to the mortgage market I was unable to sustain my mortgage payment. Tell me how you are footing the bill Robyn? It must be such a burden that you have to assume all this misfortune yourself! Don&#039;t blame anyone for wanting the american dream of home ownership.</description>
		<content:encoded><![CDATA[<p>I agree with Shelley. You are a jerk Robyn. This market was not as foreseeable as you may think. I am a mortgage broker and never thought it would be this bad. I have been in the industry for a while on the wholesale (lender) side as well as the retail side. It is unfortunate, I lost my house due to the market crash. Since my income was tied to the mortgage market I was unable to sustain my mortgage payment. Tell me how you are footing the bill Robyn? It must be such a burden that you have to assume all this misfortune yourself! Don&#8217;t blame anyone for wanting the american dream of home ownership.</p>
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		<title>By: Article V: The Right to Stability in Rules and Charges</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4961</link>
		<dc:creator>Article V: The Right to Stability in Rules and Charges</dc:creator>
		<pubDate>Fri, 23 May 2008 16:29:40 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4961</guid>
		<description>[...] The Homeowner is Now in Control [...]</description>
		<content:encoded><![CDATA[<p>[...] The Homeowner is Now in Control [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Federal Loan Modification &#187; Blog Archive &#187; Lender &#38; Servicer Loss Mitigation 2.0 - The Homeowner is Now in Control</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4956</link>
		<dc:creator>Federal Loan Modification &#187; Blog Archive &#187; Lender &#38; Servicer Loss Mitigation 2.0 - The Homeowner is Now in Control</dc:creator>
		<pubDate>Wed, 14 May 2008 21:59:11 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4956</guid>
		<description>[...] Lender &amp; Servicer Loss Mitigation 2.0 - The Homeowner is Now in Control [...]</description>
		<content:encoded><![CDATA[<p>[...] Lender &amp; Servicer Loss Mitigation 2.0 &#8211; The Homeowner is Now in Control [...]</p>
]]></content:encoded>
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		<title>By: Shelley</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10716</link>
		<dc:creator>Shelley</dc:creator>
		<pubDate>Mon, 05 May 2008 02:26:46 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-10716</guid>
		<description>When I purchased my first home 2 years ago, there was no way to foresee that the housing market would take a dive and that I would lose equity on my property, before my fixed rate expired into an ARM.  I think its insensitive for someone who has not yet walked a mile in my shoes to believe that I bought more than I could afford when I purchased my 1 bedroom, 1 bath condominium. At the time I bought it, I could afford it...now, my income is less and I have to decide whether or not to pay my house payment or my HOA fees...I always pay my house payment and am now 3 months behind in HOA fees. My fixed rate expires in less than 30 days and I am hoping that a modification of my existing loans will help me keep my home.</description>
		<content:encoded><![CDATA[<p>When I purchased my first home 2 years ago, there was no way to foresee that the housing market would take a dive and that I would lose equity on my property, before my fixed rate expired into an ARM.  I think its insensitive for someone who has not yet walked a mile in my shoes to believe that I bought more than I could afford when I purchased my 1 bedroom, 1 bath condominium. At the time I bought it, I could afford it&#8230;now, my income is less and I have to decide whether or not to pay my house payment or my HOA fees&#8230;I always pay my house payment and am now 3 months behind in HOA fees. My fixed rate expires in less than 30 days and I am hoping that a modification of my existing loans will help me keep my home.</p>
]]></content:encoded>
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		<title>By: Dolce</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4951</link>
		<dc:creator>Dolce</dc:creator>
		<pubDate>Thu, 01 May 2008 13:26:13 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4951</guid>
		<description>Gary, I am not telling myself anything....just reporting what I see happening.  What you say is true on the large scale, but in certain segments there is positive activity taking place.  This is truth, not wishful thinking.</description>
		<content:encoded><![CDATA[<p>Gary, I am not telling myself anything&#8230;.just reporting what I see happening.  What you say is true on the large scale, but in certain segments there is positive activity taking place.  This is truth, not wishful thinking.</p>
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		<title>By: Gary</title>
		<link>http://loanworkout.org/2008/04/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4952</link>
		<dc:creator>Gary</dc:creator>
		<pubDate>Tue, 29 Apr 2008 23:46:29 +0000</pubDate>
		<guid isPermaLink="false">http://loanworkout.org/2008/04/16/emergency-mortgage-loan-modification-act-of-2007-2/#comment-4952</guid>
		<description>Well you can tell yourself what you want about a bottoming of prices, leveling off of prices, or stabilizing prices or even rebounding prices, but the data suggest otherwise.  While prices have fallen, and have fallen substantially in areas you mention, slowing sales, growing inventory &amp; tighter credit conditions suggest prices have further to fall before the current imbalance corrects.  Exacerbating the current imbalance, homebuilders continue to dump homes on the market, rapidly undercutting existing homeowners, and accelerating foreclosures add to the growing inventory.</description>
		<content:encoded><![CDATA[<p>Well you can tell yourself what you want about a bottoming of prices, leveling off of prices, or stabilizing prices or even rebounding prices, but the data suggest otherwise.  While prices have fallen, and have fallen substantially in areas you mention, slowing sales, growing inventory &amp; tighter credit conditions suggest prices have further to fall before the current imbalance corrects.  Exacerbating the current imbalance, homebuilders continue to dump homes on the market, rapidly undercutting existing homeowners, and accelerating foreclosures add to the growing inventory.</p>
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