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    <title>Home and Consumer News - ArcaMax Publishing</title>
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	<description><![CDATA[Home and Consumer News  Channel Feed]]></description>
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	<copyright>Copyright 2013 ArcaMax Publishing</copyright>
	
	
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		<title><![CDATA[The Mortgage Professor: Borrowers should try to limit risk factors]]></title>
		<description><![CDATA[Why did Jones pay more for her mortgage than Smith? One possible reason
is that her mortgage had features that increase risk to the lender,
which charged a higher price to compensate. I call these "risk factors."
Potential borrowers ought to know ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1322854</link>
		
 
    <pubDate>May/09/2013</pubDate>
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		<title><![CDATA[Borrowers see glitches as big banks sell off mortgage rights]]></title>
		<description><![CDATA[CHARLOTTE, N.C. -- Millions of homeowners around the country have
received an unexpected message from their banks: Goodbye.

After years of collecting mortgage payments from as many people as they
could, big U.S. banks such as Bank of America and ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1321114</link>
		
 
    <pubDate>May/06/2013</pubDate>
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		<title><![CDATA[Mortgage deduction rates vary widely among states, study finds]]></title>
		<description><![CDATA[The mortgage interest deduction, widely viewed as a tax break for a
broad slice of middle-class America, benefits the residents of some
states far more than others, according to a new report by the Pew
Charitable Trusts.

The number of filers who ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1321094</link>
		
 
    <pubDate>May/06/2013</pubDate>
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		<title><![CDATA[The Mortgage Professor: Ending insurance kickbacks could raise costs, not lower them]]></title>
		<description><![CDATA[In April, the Consumer Financial Protection Bureau announced that it had
moved to end "improper kickbacks paid by mortgage insurers to mortgage
lenders in exchange for business." The kickbacks take the form of
dividends paid by captive reinsurers ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1319311</link>
		
 
    <pubDate>May/02/2013</pubDate>
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		<title><![CDATA[The Mortgage Professor: Patience can reward a reverse-mortgage holder]]></title>
		<description><![CDATA[Do you own a house, are you 62 or older, and are you worried about
running out of money down the road? If your answer is "yes" to all three
questions, you should take out a reverse mortgage right away.

Some financial planners advise seniors to ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1315735</link>
		
 
    <pubDate>Apr/25/2013</pubDate>
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		<title><![CDATA[Some mortgage aid recipients hear from IRS]]></title>
		<description><![CDATA[It was a common practice during the boom times: A single home would be
refinanced time and again, perhaps spurred by a broker hungry for fees
or a borrower looking to use his or her home for cash.

Now, homeowners in that situation who have ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1315679</link>
		
 
    <pubDate>Apr/25/2013</pubDate>
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		<title><![CDATA[The Mortgage Professor: Have a plan for house before separation]]></title>
		<description><![CDATA[When a separating couple is forced to deal with their house, the
quickest and easiest way is to sell the house and divide the net
proceeds based on the contributions each party has made to the equity.

When one party retains the house, they should...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1311876</link>
		
 
    <pubDate>Apr/18/2013</pubDate>
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		<title><![CDATA[The Mortgage Professor: How do borrowers avoid lock scams?]]></title>
		<description><![CDATA[A mortgage price quote means nothing until it is properly locked with
the lender. A rate lock, as it is commonly called, is the lender's
commitment that they will make the specified loan at the specified price
within a specified future period. The...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1308238</link>
		
 
    <pubDate>Apr/11/2013</pubDate>
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		<title><![CDATA[What paying off your mortgage (or not) means to your retirement]]></title>
		<description><![CDATA[Conventional wisdom says you need 70 percent of pre-retirement income to
keep the same lifestyle after you stop working.

That makes sense if you've been putting away more than 20 percent of
your income in your final working years. With those ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1306536</link>
		<previewImage>http://www.arcamax.com/newspics/cache/lw640lh480/69/6928/692874.jpg</previewImage>
 
    <pubDate>Apr/08/2013</pubDate>
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		<title><![CDATA[Regulators probing alleged mortgage insurance kickback scheme]]></title>
		<description><![CDATA[WASHINGTON -- Federal regulators are conducting an extensive
investigation into an alleged mortgage insurance kickback scheme that
pushed up costs for home buyers dating from the mid-1990s.

The Consumer Financial Protection Bureau, in disclosing ...<br /><br /><hr size="1" />]]></description>
		<link>http://www.arcamax.com/home/s-1304805</link>
		
 
    <pubDate>Apr/04/2013</pubDate>
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