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	<title>Loans By Jolynn NMLS 195005</title>
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	<lastBuildDate>Fri, 21 Oct 2011 21:55:09 +0000</lastBuildDate>
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		<title>REAL Hope for Homeowners</title>
		<link>http://www.loansbyjolynn.com/real-hope-for-homeowners/</link>
		<comments>http://www.loansbyjolynn.com/real-hope-for-homeowners/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 20:58:43 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.loansbyjolynn.com/?p=148</guid>
		<description><![CDATA[I wanted to take the time to tell about a recent loan I closed.   Earlier in the summer, my client contacted their mortgage servicer in regards to the Hope for Homeowners program and was trying to refinance their house.  When they called they had made all their mortgage payments on time, but were drowning in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit 101 – Who is this FICO guy and why does he mess with my credit?</title>
		<link>http://www.loansbyjolynn.com/credit-101-%e2%80%93-who-is-this-fico-guy-and-why-does-he-mess-with-my-credit/</link>
		<comments>http://www.loansbyjolynn.com/credit-101-%e2%80%93-who-is-this-fico-guy-and-why-does-he-mess-with-my-credit/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 20:56:44 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.loansbyjolynn.com/?p=146</guid>
		<description><![CDATA[When a creditor reports to the credit bureaus, they are reporting to usually one of the big 3 credit agencies, Trans Union, Experian and Equifax.  The creditors may report to all, two or just one of the bureaus, and each one of these bureaus calculate a credit score differently, so the scores from one bureau will [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit 101 – How does credit get on your credit report</title>
		<link>http://www.loansbyjolynn.com/credit-101-%e2%80%93-how-does-credit-get-on-your-credit-report/</link>
		<comments>http://www.loansbyjolynn.com/credit-101-%e2%80%93-how-does-credit-get-on-your-credit-report/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 20:56:08 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.loansbyjolynn.com/?p=144</guid>
		<description><![CDATA[Credit gets on your report because some, but not all, creditors report it.  First the creditors set up an account with the one, two or all three credit reporting agencies and begin a reporting process.   That’s actually quite the loaded statement because it’s a little bit more complicated that that.  Not every creditor can set up [...]]]></description>
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		<title>Credit 101 – What is credit</title>
		<link>http://www.loansbyjolynn.com/credit-101-%e2%80%93-what-is-credit/</link>
		<comments>http://www.loansbyjolynn.com/credit-101-%e2%80%93-what-is-credit/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 20:52:17 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Trans Union.]]></category>

		<guid isPermaLink="false">http://www.loansbyjolynn.com/?p=141</guid>
		<description><![CDATA[I get more questions about credit than anything else in the mortgage financing realm. What I have found is that most people have no idea what credit is, where it comes from and how a person gets a credit score.  Thought I might write a bit about what I know about credit and answer those [...]]]></description>
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		<title>Homepath Financing</title>
		<link>http://www.loansbyjolynn.com/homepath-financing/</link>
		<comments>http://www.loansbyjolynn.com/homepath-financing/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 19:47:18 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.loansbyjolynn.com/?p=138</guid>
		<description><![CDATA[Fannie Mae offers some great financing options for many of their selected foreclosed homes. This conventional loan is being used to hopefully stabilize the housing market and allow for incentives to encourage the home purchase market. One of the things that make Homepath great is that there is no required appraisal. Fannie Mae has already [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>You need WHAT??</title>
		<link>http://www.loansbyjolynn.com/you-need-what/</link>
		<comments>http://www.loansbyjolynn.com/you-need-what/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 14:41:01 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Conventional Loans]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Native American]]></category>
		<category><![CDATA[Oklahoma]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://loansbyjolynn.wordpress.com/?p=34</guid>
		<description><![CDATA[As a result of the trem-endous rise in foresloures the ability to document a borrowers ability to repay a loan has in my opinion gone overboard. For the last couple of years there has been an enormous amount of extra paperwork involved in a home mortgage. However, since I don’t set the rules, I must [...]]]></description>
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		<title>The Downgrade and US Debt Simplified&#8230;</title>
		<link>http://www.loansbyjolynn.com/the-downgrade-and-us-debt-simplified/</link>
		<comments>http://www.loansbyjolynn.com/the-downgrade-and-us-debt-simplified/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 14:47:06 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[Oklahoma]]></category>
		<category><![CDATA[S&P Downgrade]]></category>

		<guid isPermaLink="false">http://loansbyjolynn.wordpress.com/?p=41</guid>
		<description><![CDATA[I received this in an email this morning&#8230;written by someone else, and forwarded on down line. Thought I would share and would LOVE your comments!! I&#8217;m not sure about you, but I think I would be in bankruptcy court. No wonder our credit rating was down graded! The U.S. Congress sets a federal budget every [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Again, be glad you&#8217;re in Oklahoma!</title>
		<link>http://www.loansbyjolynn.com/again-be-glad-youre-in-oklahoma/</link>
		<comments>http://www.loansbyjolynn.com/again-be-glad-youre-in-oklahoma/#comments</comments>
		<pubDate>Wed, 20 Jul 2011 20:29:19 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Conventional Loans]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Native American]]></category>
		<category><![CDATA[Oklahoma]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://loansbyjolynn.wordpress.com/?p=29</guid>
		<description><![CDATA[Something that I’m sure that I will be receiving many calls on in the coming weeks as the media increases their coverage on the topic is the decrease in the conventional loan limits beginning October 2011. In 2008 when the mortgage industry was in a crisis, Fannie Mae and Freddie Mac allowed for the temporary [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Has your house payment gone up?</title>
		<link>http://www.loansbyjolynn.com/has-your-house-payment-gone-up/</link>
		<comments>http://www.loansbyjolynn.com/has-your-house-payment-gone-up/#comments</comments>
		<pubDate>Thu, 19 May 2011 15:16:41 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Conventional Loans]]></category>
		<category><![CDATA[Escrow accounts]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://loansbyjolynn.wordpress.com/?p=25</guid>
		<description><![CDATA[Every year about this time, I get my friendly letter in the mail from my mortgage company giving me my escrow analysis. Usually too this is about the time I get phone calls from my clients asking me why their payments went up so much. To explain a bit about escrow accounts, as you are [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Loan Quality Initiative</title>
		<link>http://www.loansbyjolynn.com/loan-quality-initiative/</link>
		<comments>http://www.loansbyjolynn.com/loan-quality-initiative/#comments</comments>
		<pubDate>Tue, 03 May 2011 22:32:53 +0000</pubDate>
		<dc:creator>Jolynn Craig</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Conventional Loans]]></category>
		<category><![CDATA[Customer Service]]></category>

		<guid isPermaLink="false">http://loansbyjolynn.wordpress.com/?p=21</guid>
		<description><![CDATA[In June 2010 Fannie Mae rolled out a new criteria for loan applications called the Loan Quality Initiative. For loan applications taken after that date and for conventional loans only, lenders must do a “soft” repull of credit. What this does is update a borrower’s credit report with new history and inquiries, but doesn’t update [...]]]></description>
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