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	<title>PattiMace.com &#187; credit score</title>
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	<link>http://pattimace.com</link>
	<description>Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</description>
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		<title>Facing Foreclosure?</title>
		<link>http://pattimace.com/2008/09/05/facing-foreclosure/</link>
		<comments>http://pattimace.com/2008/09/05/facing-foreclosure/#comments</comments>
		<pubDate>Fri, 05 Sep 2008 06:11:40 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[AssistanceNeighborWorks]]></category>
		<category><![CDATA[day]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[Facing]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foundation]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[HOPE]]></category>
		<category><![CDATA[hotline]]></category>
		<category><![CDATA[HotlineHomeowners]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[need]]></category>
		<category><![CDATA[Preservation]]></category>
		<category><![CDATA[tollfree]]></category>
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		<guid isPermaLink="false">http://pattimace.com/?p=72</guid>
		<description><![CDATA[Are you in need of Foreclosure Assistance
NeighborWorks/HOPE NOW/Homeownership Preservation Foundation Hotline
Homeowners facing foreclosure can call a tollfree hotline at (888) 995-HOPE, 24 hours a day, 7 days a week.
Federal Housing Administration
Government-insured refinancing for credit-worthy borrowers who went into default after their ARMs reset may be available by calling (800) 225-5342 or by visiting http://www.fha.gov.
 
Other Resources
Avoid<p><br/><br/><a href="http://pattimace.com/2008/09/05/facing-foreclosure/">Facing Foreclosure?</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

Related posts:<ol>
<li><a href='http://pattimace.com/2008/05/20/found-your-dream-home-whats-next/' rel='bookmark' title='Found Your Dream Home &#8211; What&#8217;s Next?'>Found Your Dream Home &#8211; What&#8217;s Next?</a></li>
<li><a href='http://pattimace.com/2008/08/02/private-mortgage-insurance/' rel='bookmark' title='Private Mortgage Insurance'>Private Mortgage Insurance</a></li>
<li><a href='http://pattimace.com/2008/03/16/fha-down-payment-assistance-updatemore-people-can-qualify/' rel='bookmark' title='FHA &amp; Down Payment Assistance Update..More people can qualify'>FHA &#038; Down Payment Assistance Update..More people can qualify</a></li>
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		<title>Private Mortgage Insurance</title>
		<link>http://pattimace.com/2008/08/02/private-mortgage-insurance/</link>
		<comments>http://pattimace.com/2008/08/02/private-mortgage-insurance/#comments</comments>
		<pubDate>Sun, 03 Aug 2008 05:01:50 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[crisis]]></category>
		<category><![CDATA[exception]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Industry]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Jack M. Guttentag]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[Mortgage Updates]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[period]]></category>
		<category><![CDATA[PMI]]></category>
		<category><![CDATA[PMIs]]></category>
		<category><![CDATA[premium]]></category>
		<category><![CDATA[Private]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://pattimace.com/?p=58</guid>
		<description><![CDATA[I read this article today and wanted to share it regarding The Private Mortgage Industry&#8217;s Role in the Current Mortgage Crisis
by Jack M. Guttentag
The blame game for the development of the current mortgage crisis is now in full swing, and, with one exception, no major participant escapes unscathed:
1. Lenders and investment bankers drastically relaxed their underwriting standards in<p><br/><br/><a href="http://pattimace.com/2008/08/02/private-mortgage-insurance/">Private Mortgage Insurance</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

Related posts:<ol>
<li><a href='http://pattimace.com/2008/07/09/should-you-get-flood-insurance/' rel='bookmark' title='Should you get Flood Insurance?'>Should you get Flood Insurance?</a></li>
<li><a href='http://pattimace.com/2008/05/20/found-your-dream-home-whats-next/' rel='bookmark' title='Found Your Dream Home &#8211; What&#8217;s Next?'>Found Your Dream Home &#8211; What&#8217;s Next?</a></li>
<li><a href='http://pattimace.com/2008/05/07/interest-rates-how-they-are-derived-from-your-credit-score/' rel='bookmark' title='Interest Rates &#8211; How they are derived from your Credit Score'>Interest Rates &#8211; How they are derived from your Credit Score</a></li>
</ol>]]></description>
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		<slash:comments>4</slash:comments>
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	</item>
		<item>
		<title>Found Your Dream Home &#8211; What&#8217;s Next?</title>
		<link>http://pattimace.com/2008/05/20/found-your-dream-home-whats-next/</link>
		<comments>http://pattimace.com/2008/05/20/found-your-dream-home-whats-next/#comments</comments>
		<pubDate>Tue, 20 May 2008 06:48:09 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[agent]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[Broker]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[damage]]></category>
		<category><![CDATA[day]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Mortgage Updates]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[Patti]]></category>
		<category><![CDATA[period]]></category>
		<category><![CDATA[process]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[time]]></category>

		<guid isPermaLink="false">http://pattimace.com/?p=19</guid>
		<description><![CDATA[After looking at the comparables for the area a reasonable offer for the home of your dreams is agreed upon and your realtor will submit to the sellers real estate agent. Once submitted, the Sellers agent will come back with an accepted offer, or the negotiations will begin until an agreement is met.  With Foreclosures or Short Sales the<p><br/><br/><a href="http://pattimace.com/2008/05/20/found-your-dream-home-whats-next/">Found Your Dream Home &#8211; What&#8217;s Next?</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

Related posts:<ol>
<li><a href='http://pattimace.com/2008/05/07/interest-rates-how-they-are-derived-from-your-credit-score/' rel='bookmark' title='Interest Rates &#8211; How they are derived from your Credit Score'>Interest Rates &#8211; How they are derived from your Credit Score</a></li>
<li><a href='http://pattimace.com/2008/03/14/buyers-how-can-i-help-you-why-you-need-a-realtor/' rel='bookmark' title='Buyers: How can I help you? Why you need a Realtor.'>Buyers: How can I help you? Why you need a Realtor.</a></li>
<li><a href='http://pattimace.com/2008/05/13/what-is-the-process-to-purchase-a-home/' rel='bookmark' title='What is the process to purchase a Home'>What is the process to purchase a Home</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
			<coop:keyword><![CDATA[credit score]]></coop:keyword>
		<coop:keyword><![CDATA[Interest Rate]]></coop:keyword>
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	</item>
		<item>
		<title>What is the process to purchase a Home</title>
		<link>http://pattimace.com/2008/05/13/what-is-the-process-to-purchase-a-home/</link>
		<comments>http://pattimace.com/2008/05/13/what-is-the-process-to-purchase-a-home/#comments</comments>
		<pubDate>Tue, 13 May 2008 14:17:19 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[pre-approval letters]]></category>
		<category><![CDATA[purchasing a home]]></category>

		<guid isPermaLink="false">http://pattimace.com/?p=18</guid>
		<description><![CDATA[Now that you understand where credit scores are derived from the next step in your home purchase is to go to your bank or a mortgage broker and get a pre-approval letter.  This pre-qualification will let you know based on your income and debt ratio what price range your home purchase needs to be at/under.
Realtors<p><br/><br/><a href="http://pattimace.com/2008/05/13/what-is-the-process-to-purchase-a-home/">What is the process to purchase a Home</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

No related posts.]]></description>
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		<slash:comments>1</slash:comments>
			<coop:keyword><![CDATA[credit score]]></coop:keyword>
		<coop:keyword><![CDATA[Interest Rate]]></coop:keyword>
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	</item>
		<item>
		<title>Interest Rates &#8211; How they are derived from your Credit Score</title>
		<link>http://pattimace.com/2008/05/07/interest-rates-how-they-are-derived-from-your-credit-score/</link>
		<comments>http://pattimace.com/2008/05/07/interest-rates-how-they-are-derived-from-your-credit-score/#comments</comments>
		<pubDate>Thu, 08 May 2008 03:48:01 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[Patti]]></category>
		<category><![CDATA[person]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[rating]]></category>
		<category><![CDATA[record]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[Score]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[time]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://pattimace.com/?p=17</guid>
		<description><![CDATA[I wanted to touch base on one of the major issues people deal with when trying to make a major purchase such as a home.  The interest rate you are quoted when purchasing a home is based on your credit score that is pulled from the 3 major Credit Reporting agencies. These agencies get this calculated<p><br/><br/><a href="http://pattimace.com/2008/05/07/interest-rates-how-they-are-derived-from-your-credit-score/">Interest Rates &#8211; How they are derived from your Credit Score</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

Related posts:<ol>
<li><a href='http://pattimace.com/2008/03/24/credit-scoring-and-repairing/' rel='bookmark' title='Credit Scoring and Repairing'>Credit Scoring and Repairing</a></li>
</ol>]]></description>
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		<slash:comments>3</slash:comments>
			<coop:keyword><![CDATA[credit score]]></coop:keyword>
		<coop:keyword><![CDATA[Interest Rate]]></coop:keyword>
		<coop:keyword><![CDATA[borrower]]></coop:keyword>
		<coop:keyword><![CDATA[buyers]]></coop:keyword>
		<coop:keyword><![CDATA[credit]]></coop:keyword>
		<coop:keyword><![CDATA[creditor]]></coop:keyword>
		<coop:keyword><![CDATA[history]]></coop:keyword>
		<coop:keyword><![CDATA[Home]]></coop:keyword>
		<coop:keyword><![CDATA[home purchase]]></coop:keyword>
		<coop:keyword><![CDATA[information]]></coop:keyword>
		<coop:keyword><![CDATA[interest]]></coop:keyword>
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		<coop:keyword><![CDATA[Patti]]></coop:keyword>
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	</item>
		<item>
		<title>Credit Scoring and Repairing</title>
		<link>http://pattimace.com/2008/03/24/credit-scoring-and-repairing/</link>
		<comments>http://pattimace.com/2008/03/24/credit-scoring-and-repairing/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 04:08:47 +0000</pubDate>
		<dc:creator>Patti Mace</dc:creator>
				<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[Home Sellers]]></category>

		<guid isPermaLink="false">http://pattimace.com/2008/03/24/credit-scoring-and-repairing/</guid>
		<description><![CDATA[When people mention the word ‘credit score’ the subject often brings on fear and anxiety, and for good reason. With the exception of recognizing that the best score wins, the average home buyer knows very little about the whole credit scoring process.  Borrowers who have credit that is not so great (sub-prime) and who<p><br/><br/><a href="http://pattimace.com/2008/03/24/credit-scoring-and-repairing/">Credit Scoring and Repairing</a>
<a href="http://pattimace.com">PattiMace.com - Your full service real estate agent specializing in Harris County; Houston, Spring, Humble, Kingwood, Atascocita, Magnolia, Tomball and The Woodlands areas, this is your Real Estate Blog.</a></p>

No related posts.]]></description>
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