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	<title>Lori Frankfort, Broker Associate and Exclusive Buyer&#039;s Representative &#187; Escrow</title>
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		<title>Study Finds Appraisal Process Inadequately Monitored</title>
		<link>http://www.californiaisbeautiful.com/2012/01/30/study-finds-appraisal-process-inadequately-monitored/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/30/study-finds-appraisal-process-inadequately-monitored/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:22:17 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
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		<category><![CDATA[Escrow]]></category>
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		<description><![CDATA[Article Courtesy of National Association of Homebuilders January 23, 2012 Zeroing in on yet another deficiency of a faulty appraisal process that is hurting home values, hampering a housing recovery and often killing sales of homes coming in below the contract sales price, the Government Accountability Office (GAO) earlier this month reported that the Appraisal ...]]></description>
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		<title>Consumer Protection Bureau Opens Mortgage Complaint Hotline</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/consumer-protection-bureau-opens-mortgage-complaint-hotline/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/consumer-protection-bureau-opens-mortgage-complaint-hotline/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:19:01 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
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		<category><![CDATA[loan modification help]]></category>
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		<category><![CDATA[mortgage problems]]></category>
		<category><![CDATA[mortgage servicer]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=661</guid>
		<description><![CDATA[December 11, 2011 Article Courtesy of latimes.com By Kenneth R. Harney Got a beef with your mortgage lender? Is your bank unresponsive when you complain that your escrow account is fouled up and making your monthly payments needlessly high? Did your loan officer switch you into a more costly home loan than you were promised? ...]]></description>
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		<title>6 Must-Haves for Mortgage Approval</title>
		<link>http://www.californiaisbeautiful.com/2011/11/14/6-must-haves-for-mortgage-approval/</link>
		<comments>http://www.californiaisbeautiful.com/2011/11/14/6-must-haves-for-mortgage-approval/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 20:16:06 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[cash reserves]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[self-employed loan]]></category>

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		<description><![CDATA[Article Courtesy of Inman News Interest rates fell to new lows in September. Low interest rates increase affordability and should make it easier for buyers to qualify. Yet stories of buyers waiting months to gain loan approval and home purchase transactions not closing on time due to lender&#8217;s strict underwriting are all too common. Some ...]]></description>
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		<title>Late Stage Mortgage Rejections: Some Remedies</title>
		<link>http://www.californiaisbeautiful.com/2011/11/08/late-stage-mortgage-rejections-some-remedies/</link>
		<comments>http://www.californiaisbeautiful.com/2011/11/08/late-stage-mortgage-rejections-some-remedies/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 21:55:57 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
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		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[appraisal appeal]]></category>
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		<category><![CDATA[Fannie Mae]]></category>
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		<category><![CDATA[home valuation code of conduct]]></category>
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		<category><![CDATA[IVPI]]></category>
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		<category><![CDATA[sale to family member]]></category>

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		<description><![CDATA[Article provided courtesy of The Mortgage Professor. Part Three of Three.  You can read Part One Here and Part Two Here. Previous articles in this series described an epidemic of late-stage mortgage loan rejections that impose high costs on consumers.  These rejections can be traced in good part to a decline in the quality of appraisals, ...]]></description>
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		<title>Late-Stage Mortgage Rejections</title>
		<link>http://www.californiaisbeautiful.com/2011/11/08/late-stage-mortgage-rejections/</link>
		<comments>http://www.californiaisbeautiful.com/2011/11/08/late-stage-mortgage-rejections/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 21:37:19 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
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		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage]]></category>
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		<category><![CDATA[loan application]]></category>
		<category><![CDATA[loan rejections]]></category>
		<category><![CDATA[mortgage application]]></category>
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		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=465</guid>
		<description><![CDATA[An Unacknowledged Epidemic: Late-Stage Mortgage Rejections Article Courtesy of  The Mortgage Professor Some lenders today are rejecting 50% or more of their mortgage loan applicants after the applicants have paid for an appraisal, and in some cases after they have paid a non-refundable upfront fee to the lender. While the rejection rate varies widely from ...]]></description>
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		<title>42 Percent of Home Buyers are Unrealistic About Home Value Appreciation</title>
		<link>http://www.californiaisbeautiful.com/2011/11/04/42-percent-of-home-buyers-are-unrealistic-about-home-value-appreciation/</link>
		<comments>http://www.californiaisbeautiful.com/2011/11/04/42-percent-of-home-buyers-are-unrealistic-about-home-value-appreciation/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 00:55:53 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[home appreciation]]></category>
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		<category><![CDATA[homeowner's insurance]]></category>
		<category><![CDATA[PMI]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[zillow.com]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=288</guid>
		<description><![CDATA[While Most Home Buyers Understand How to Buy a Home, Expectations for Homeownership are Out of Line with Reality, According to Zillow® Survey of Home Buyers SEATTLE, Oct. 28, 2011 /PRNewswire/ Despite widespread volatility within the housing market and five consecutive years of home value declines, more than two in five (42 percent) of polled ...]]></description>
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