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	<title>Step by Step &#187; Personal finance</title>
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		<title>How to Avoid Loan Modification Scams</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/how-to-avoid-loan-modification-scams/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/how-to-avoid-loan-modification-scams/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 09:38:57 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=822</guid>
		<description><![CDATA[If you are on the brink of foreclosure, loan modification may be the best option to save your home.  Because many are resorting to loan modification, many are also taking advantage of these people, unfortunately.  There are different types of loan modification scams.  For example, a company would pretend to be a legitimate one, takes [...]]]></description>
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		<title>How to Make Loan Modification Work for You</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/how-to-make-loan-modification-work-for-you/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/how-to-make-loan-modification-work-for-you/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 09:27:56 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=820</guid>
		<description><![CDATA[To alleviate the effects of the global financial crisis, Obama’s home loan modification plan was implemented.  In order to avoid foreclosure and losing their homes, those having difficulty in paying mortgage resort to loan modification.  Through this, borrowers negotiate with their lender to modify some mortgage terms so that they could be able to meet [...]]]></description>
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		<title>Comparing the Best Loan Modification Deals</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/comparing-the-best-loan-modification-deals/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/comparing-the-best-loan-modification-deals/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 09:11:02 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[deals]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=817</guid>
		<description><![CDATA[Once you’ve decided to resort to a loan modification, you should be very cautious with regards to the terms and deals you try to negotiate with the lender.  Loan term, rate, balance, and penalties can be adjusted for the purpose of saving your home and avoiding foreclosure. Steps on comparing loan modification terms It would [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Qualify for Loan Modification</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/how-to-qualify-for-loan-modification/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/how-to-qualify-for-loan-modification/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 08:58:19 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[qualify]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=814</guid>
		<description><![CDATA[Obama’s &#8220;make home affordable&#8221; program is aimed at assisting those who are having difficulties in meeting their mortgage payments through loan modification.  If you are thinking of applying for a loan modification, seeking the help of a financial counselor is a good way to start.  Sometimes, you can even avail of free counseling services.  Counselors [...]]]></description>
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		<title>Getting Better Deals for Loan Modification from Your Lender</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/getting-better-deals-for-loan-modification-from-your-lender/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/getting-better-deals-for-loan-modification-from-your-lender/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 08:20:02 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[deals]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=811</guid>
		<description><![CDATA[Some people are struggling with their finances.  They are at risk of losing their homes because they are not able to meet their mortgage payments.  For this reason, loan modification was introduced under the Obama Administration.  The loan modification program is aimed at providing better deals for homeowners and lenders by making more affordable and [...]]]></description>
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		<title>Writing a Compelling Hardship Letter for Loan Modification</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/writing-a-compelling-hardship-letter-for-loan-modification/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/writing-a-compelling-hardship-letter-for-loan-modification/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 02:00:42 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[letter]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=808</guid>
		<description><![CDATA[The hardship letter is one of the most important requirements for your loan modification application.  Basically, this letter explains to the lender why you are in need of a loan modification and how the modification can help you get in better shape financially.  This article will give five easy steps to help you write a [...]]]></description>
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		<title>Steps on Applying for Loan Modification</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/steps-on-applying-for-loan-modification/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/steps-on-applying-for-loan-modification/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 00:46:39 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=802</guid>
		<description><![CDATA[Applying for a loan modification can be quite difficult, especially if you don&#8217;t know where to start.  Before you apply, it would be a good idea to make sure that you actually qualify for a modification.  You can do so by having a provable and compelling hardship, which will help lenders understand your need for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Preparing a Proposal for Loan Modification</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/preparing-a-proposal-for-loan-modification/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/preparing-a-proposal-for-loan-modification/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 00:32:25 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[proposal]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=800</guid>
		<description><![CDATA[The economic crisis is forcing many people to rethink how they deal with their finances, especially in relation to loans and debts.  One good way of dealing with your loan is to get a loan modification.  This article will provide an easy guide for preparing a proposal for your loan modification so you don&#8217;t get [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting your Loan Modification Approved</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/getting-your-loan-modification-approved/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/getting-your-loan-modification-approved/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 00:23:48 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=798</guid>
		<description><![CDATA[Loan modifications are a popular means of getting through these tough financial times.  To qualify for a loan modification , you may have to make a few changes in your lifestyle, especially in terms of finances.  Here&#8217;s how you can ensure that your loan modification is approved: Steps on ensuring the approval of your loan [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Negotiating for Loan Modification</title>
		<link>http://www.stepbystepdirections.com/business/personal-finance/negotiating-for-loan-modification/</link>
		<comments>http://www.stepbystepdirections.com/business/personal-finance/negotiating-for-loan-modification/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 15:26:04 +0000</pubDate>
		<dc:creator>Step By Step Advisor</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[negotiate]]></category>

		<guid isPermaLink="false">http://www.stepbystepdirections.com/?p=795</guid>
		<description><![CDATA[The recession has many people analyzing and restructuring their finances.  One popular way of finance restructuring is through loan modification.  A loan modification can help put you in a better position to pay off your loans and improve your credit score.  Here&#8217;s how to negotiate for a good loan modification plan: Steps on negotiating for [...]]]></description>
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