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	<title>e-wisdom.com tips &#187; Home Loans</title>
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	<description>Personal finance tips to help you save money on monthly expenses.</description>
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		<title>Mini-guide to home loan modification</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/mini-guide-to-home-loan-modification/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/mini-guide-to-home-loan-modification/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 13:38:04 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[morgages]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1372</guid>
		<description><![CDATA[The government has set aside $75 billion to give renewed hope to some stressed homeowners. Can you get help?]]></description>
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		<title>Do you need a loan modification?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/do-you-need-a-loan-modification/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/do-you-need-a-loan-modification/#comments</comments>
		<pubDate>Thu, 08 Oct 2009 17:03:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1183</guid>
		<description><![CDATA[Loan modifications can be of great help to homeowners who have fallen behind in their payments, but it is important for those homeowners to do their homework first.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Always avoid late payments</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/always-avoid-late-payments/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/always-avoid-late-payments/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 13:11:00 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[automatic payments]]></category>
		<category><![CDATA[bill pay]]></category>
		<category><![CDATA[late payments]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1116</guid>
		<description><![CDATA[It happens to everyone at some point in life. As soon as you know you can't cover all of the bills due, make a priority list.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Six reasons to use automatic payments</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/six-reasons-to-use-automatic-payments/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/six-reasons-to-use-automatic-payments/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 14:10:10 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Cell Phones]]></category>
		<category><![CDATA[Credit Monitoring]]></category>
		<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Long Distance]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[automatic payments]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1102</guid>
		<description><![CDATA[If you haven't signed up for automatic payments for regular monthly bills, here are six reasons you should.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>First-time home buyer tax credits</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/first-time-home-buyer-tax-credits/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/first-time-home-buyer-tax-credits/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 12:22:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[first-time homebuyer]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1176</guid>
		<description><![CDATA[If a home buyer is purchasing a primary residence for the first time, he can qualify for the First-Time Home Buyer Tax Credit. Only a few requirements are in place in order to qualify. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Know your closing costs</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/know-your-closing-costs/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/know-your-closing-costs/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 13:12:51 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=390</guid>
		<description><![CDATA[When financing real estate, it is important to scrutinize all closing costs involved, as these fees can really add up and impact the overall cost of the loan.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Home equity loan vs. line of credit</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/home-equity-loan-vs-line-of-credit/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/home-equity-loan-vs-line-of-credit/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 13:45:57 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[line of credit]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=243</guid>
		<description><![CDATA[If you're considering using the equity in your home to obtain funds, it is important to understand the differences and similarities between home equity loans and home equity lines of credit.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Getting a loan in a tough economy</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/etting-a-loan-in-a-tough-economy/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/etting-a-loan-in-a-tough-economy/#comments</comments>
		<pubDate>Wed, 18 Feb 2009 13:57:42 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=259</guid>
		<description><![CDATA[Many consumers are really feeling the credit crunch and are having a hard time securing auto loans, home loans, and even new credit cards.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know your bank&#8217;s communication policies</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/know-your-banks-communication-policies/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/know-your-banks-communication-policies/#comments</comments>
		<pubDate>Mon, 09 Feb 2009 13:40:37 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[communication]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=86</guid>
		<description><![CDATA[Even if you don't have the time to find out the specifics of the communication policies of each bank that you do business with, you can apply the following general rules to most banks.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The pre-approval letter can be important</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/pre-approval-letter-importance/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/pre-approval-letter-importance/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 13:06:15 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[preapproval]]></category>
		<category><![CDATA[preapproval letter]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=36</guid>
		<description><![CDATA[Obtaining a pre-approval letter is an important part of searching for a new home. Why? There are many reasons for its importance.]]></description>
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