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	<title>Paradigm Mortgage Services, Inc.</title>
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	<link>http://www.gotoparadigm.com</link>
	<description>We will get you your best mortgage ... and make it a pleasant experience.</description>
	<lastBuildDate>Mon, 23 Jan 2012 10:27:40 +0000</lastBuildDate>
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		<title>Home Prices May Rise? More Mortgage Applicants in First Week of 2012</title>
		<link>http://www.gotoparadigm.com/home-prices-may-rise-more-mortgage-applicants-in-first-week-of-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=home-prices-may-rise-more-mortgage-applicants-in-first-week-of-2012</link>
		<comments>http://www.gotoparadigm.com/home-prices-may-rise-more-mortgage-applicants-in-first-week-of-2012/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 00:24:50 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[News and Noteworthy]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[economy of the united states]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgages]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[refinancing a home]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1230</guid>
		<description><![CDATA[Home prices may rise soon as more and more people start filling out mortgage application forms. If you’re putting off plans to buy a home, hoping for lower mortgage rates, then now may be time to reconsider. In a recent Reuters report, consumer demand for housing and refinancing loans rose in the week ended January <a href="http://www.gotoparadigm.com/home-prices-may-rise-more-mortgage-applicants-in-first-week-of-2012/#more-1230'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Underwater? US FHFA Mulls ZERO-interest Mortgage Loans</title>
		<link>http://www.gotoparadigm.com/underwater-us-fhfa-mulls-zero-interest-mortgage-loans/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=underwater-us-fhfa-mulls-zero-interest-mortgage-loans</link>
		<comments>http://www.gotoparadigm.com/underwater-us-fhfa-mulls-zero-interest-mortgage-loans/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 01:43:45 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[News and Noteworthy]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[federal housing]]></category>
		<category><![CDATA[federal housing finance agency]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[for mortgage loans]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan modification in the united states]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage debt]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage loan help]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[proposals]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[subprime mortgage crisis]]></category>
		<category><![CDATA[zero]]></category>
		<category><![CDATA[zero interest loans]]></category>
		<category><![CDATA[zero interest rate]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1239</guid>
		<description><![CDATA[A federal housing agency considers temporarily eliminating interest in mortgage debts held by bankrupt homeowners. In a report from the Financial Times, the Federal Housing Finance Agency (FHFA) said it was seriously considering proposals for setting interest rates to zero for mortgage loans for borrowers who: Are undergoing Chapter 13 Bankruptcy proceedings Owe more than <a href="http://www.gotoparadigm.com/underwater-us-fhfa-mulls-zero-interest-mortgage-loans/#more-1239'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed Cries Foul on Shady Mortgage Servicers</title>
		<link>http://www.gotoparadigm.com/fed-cries-foul-on-shady-mortgage-servicers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fed-cries-foul-on-shady-mortgage-servicers</link>
		<comments>http://www.gotoparadigm.com/fed-cries-foul-on-shady-mortgage-servicers/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 05:02:11 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[News and Noteworthy]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[legal services]]></category>
		<category><![CDATA[misconduct]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage backed security]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage foreclosure]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[mortgage servicer]]></category>
		<category><![CDATA[mortgage services]]></category>
		<category><![CDATA[mortgage servicing]]></category>
		<category><![CDATA[mortgage servicing rights]]></category>
		<category><![CDATA[sarah bloom raskin]]></category>
		<category><![CDATA[sector]]></category>
		<category><![CDATA[severe]]></category>
		<category><![CDATA[subprime lending]]></category>
		<category><![CDATA[subprime mortgage crisis]]></category>
		<category><![CDATA[us federal reserve]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1202</guid>
		<description><![CDATA[The Federal Reserve now officially blames mortgage servicers for the chronically problematic housing sector, saying these companies make the housing market harder to fix. In a United Press International Report, Federal Reserve Governor Sarah Bloom Raskin said, “Severe misconduct that has been uncovered in the mortgage servicing sector [should] be addressed,”  adding that an alarming <a href="http://www.gotoparadigm.com/fed-cries-foul-on-shady-mortgage-servicers/#more-1202'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinancing Gets Better as Mortgage Rates Drop to 60-Year Low</title>
		<link>http://www.gotoparadigm.com/refinancing-home-mortgage-broker-chevy-chase-md/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=refinancing-home-mortgage-broker-chevy-chase-md</link>
		<comments>http://www.gotoparadigm.com/refinancing-home-mortgage-broker-chevy-chase-md/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 17:44:59 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[News and Noteworthy]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[average]]></category>
		<category><![CDATA[bethesda]]></category>
		<category><![CDATA[low interest rates]]></category>
		<category><![CDATA[lower mortgage rates]]></category>
		<category><![CDATA[lowest mortgage rate refinance]]></category>
		<category><![CDATA[lowest mortgage rates]]></category>
		<category><![CDATA[lows]]></category>
		<category><![CDATA[md]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[super jumbo mortgage]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1159</guid>
		<description><![CDATA[Record low interest rates suggest that now is the best time for mortgage refinancing, says a Wall Street Journal (WSJ) report Because of economic woes throughout Europe and the United States, investors all over the world have begun to stockpile US Treasury Bills, considered as the safest financial investment on earth. Consequently, this massive trend <a href="http://www.gotoparadigm.com/refinancing-home-mortgage-broker-chevy-chase-md/#more-1159'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the Difference Between Mortgage Loan Pre-Qualification and Pre-Approval?</title>
		<link>http://www.gotoparadigm.com/mortgage-company-broker-lender-chevy-chase-md/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mortgage-company-broker-lender-chevy-chase-md</link>
		<comments>http://www.gotoparadigm.com/mortgage-company-broker-lender-chevy-chase-md/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 00:49:09 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[Paradigm]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[approximation]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[for mortgage loans]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[loan origination]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[pre approval]]></category>
		<category><![CDATA[pre approved]]></category>
		<category><![CDATA[pre qualification]]></category>
		<category><![CDATA[pre qualify]]></category>
		<category><![CDATA[provisional]]></category>
		<category><![CDATA[real estate agents]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1136</guid>
		<description><![CDATA[Many future homeowners often confuse the terms “pre-qualified” and “pre-approved” with each other. After all, once someone is qualified is he’s approved, right? Well, not exactly. In the world of mortgage jargon, each of the terms refers to an entirely different thing. Let’s discuss each of them in greater detail. Pre-Qualification The term pre-qualification for <a href="http://www.gotoparadigm.com/mortgage-company-broker-lender-chevy-chase-md/#more-1136'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>SEC says Fannie and Freddie Caused 2008 Economic Crisis, Sues Execs</title>
		<link>http://www.gotoparadigm.com/subprime-loans-mortgages-extended-high-risk-bankruptcy-lawyerborrowers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=subprime-loans-mortgages-extended-high-risk-bankruptcy-lawyerborrowers</link>
		<comments>http://www.gotoparadigm.com/subprime-loans-mortgages-extended-high-risk-bankruptcy-lawyerborrowers/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 20:48:55 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Broker]]></category>
		<category><![CDATA[News and Noteworthy]]></category>
		<category><![CDATA[Paradigm]]></category>
		<category><![CDATA[civil fraud]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[eligibility]]></category>
		<category><![CDATA[eligibility requirements]]></category>
		<category><![CDATA[legal extravaganza]]></category>
		<category><![CDATA[lending spree]]></category>
		<category><![CDATA[less-than-satisfactory credit]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[subprime mortgages]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1091</guid>
		<description><![CDATA[The Securities and Exchange Commision sued six former executives of Fannie Mae and Freddie Mac for civil fraud, which allegedly precipitated the 2008 Global Financial Meltdown, a report from the Global Post said. The executives were said to have defrauded investors after understating the size of their companies’ subprime exposure. This led the whole an <a href="http://www.gotoparadigm.com/subprime-loans-mortgages-extended-high-risk-bankruptcy-lawyerborrowers/#more-1091'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Origins of Paradigm Mortgage, Part One</title>
		<link>http://www.gotoparadigm.com/origins-of-paradigm-mortgage-part-one/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=origins-of-paradigm-mortgage-part-one</link>
		<comments>http://www.gotoparadigm.com/origins-of-paradigm-mortgage-part-one/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 16:27:08 +0000</pubDate>
		<dc:creator>Bill Van Dyke</dc:creator>
				<category><![CDATA[History]]></category>
		<category><![CDATA[Paradigm]]></category>
		<category><![CDATA[binds]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[Corporate Finance]]></category>
		<category><![CDATA[document]]></category>
		<category><![CDATA[finance agreement]]></category>
		<category><![CDATA[lendee]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan application]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlement Attorney]]></category>
		<category><![CDATA[settlement cost]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1080</guid>
		<description><![CDATA[In 1982 we bought our first home, a townhouse in Greenbelt, MD. The agent for the builder took our loan application and gave us a document that said we would need $3,000 at closing, which was almost all we had. The builder took longer than anticipated to complete the home &#8211; about eight months. During <a href="http://www.gotoparadigm.com/origins-of-paradigm-mortgage-part-one/#more-1080'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Basic Features of Adjustable-rate Mortgages (ARMs) Explained in Simple Terms</title>
		<link>http://www.gotoparadigm.com/basic-features-of-adjustable-rate-mortgages-arms-explained-in-simple-terms/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=basic-features-of-adjustable-rate-mortgages-arms-explained-in-simple-terms</link>
		<comments>http://www.gotoparadigm.com/basic-features-of-adjustable-rate-mortgages-arms-explained-in-simple-terms/#comments</comments>
		<pubDate>Wed, 14 Dec 2011 13:10:09 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[Paradigm]]></category>
		<category><![CDATA[adjustable mortgages]]></category>
		<category><![CDATA[adjustable rate mortgage]]></category>
		<category><![CDATA[adjustable rate mortgages]]></category>
		<category><![CDATA[cost of funds index]]></category>
		<category><![CDATA[fix]]></category>
		<category><![CDATA[fixed rate mortgage]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[index]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[london interbank]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage companies]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[negative amortization]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[rates libor]]></category>
		<category><![CDATA[variable rate mortgage]]></category>
		<category><![CDATA[vs]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1031</guid>
		<description><![CDATA[Adjustable-rate mortgages, in a nutshell, are housing loans whose interest rates vary based on a specific index or a specific combination of several indexes. Unlike fixed-rate mortgages, the amount required for periodic payments for ARMs fluctuate, depending on the index upon which the loan was based upon. The Index The most common indexes used are <a href="http://www.gotoparadigm.com/basic-features-of-adjustable-rate-mortgages-arms-explained-in-simple-terms/#more-1031'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Four Most Important Things to Consider Before Applying for a Second Mortgage</title>
		<link>http://www.gotoparadigm.com/four-most-important-things-to-consider-before-applying-for-a-second-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=four-most-important-things-to-consider-before-applying-for-a-second-mortgage</link>
		<comments>http://www.gotoparadigm.com/four-most-important-things-to-consider-before-applying-for-a-second-mortgage/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 12:22:29 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[consideration]]></category>
		<category><![CDATA[considerations]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home equities]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[home equity compare]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[loan application]]></category>
		<category><![CDATA[loan to value]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[primary]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[second mortgage loans]]></category>
		<category><![CDATA[second mortgages]]></category>
		<category><![CDATA[super jumbo mortgage]]></category>

		<guid isPermaLink="false">http://www.gotoparadigm.com/?p=1027</guid>
		<description><![CDATA[Many Americans get a second mortgage for a variety of reasons. In your case, it may be for home improvement and repair or for some other financial emergency. However, second mortgages typically come with higher interest rates compared to first mortgages because the latter gets prioritized in the event of a foreclosure. Because of this, <a href="http://www.gotoparadigm.com/four-most-important-things-to-consider-before-applying-for-a-second-mortgage/#more-1027'" class="more-link">more »</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Most Common Reasons Why Homeowners Refinance Mortgage Loans</title>
		<link>http://www.gotoparadigm.com/help-home-mortgage-broker-refinance-bethesda-md/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=help-home-mortgage-broker-refinance-bethesda-md</link>
		<comments>http://www.gotoparadigm.com/help-home-mortgage-broker-refinance-bethesda-md/#comments</comments>
		<pubDate>Sat, 10 Dec 2011 09:20:51 +0000</pubDate>
		<dc:creator>RJ Nieto</dc:creator>
				<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[adjustable rate mortgage]]></category>
		<category><![CDATA[chevy]]></category>
		<category><![CDATA[chevy chase]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[fixed rate mortgage]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[md]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage loan rates]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[new mortgages]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[refinancing your mortgage]]></category>
		<category><![CDATA[replacement]]></category>
		<category><![CDATA[subprime lending]]></category>
		<category><![CDATA[subprime mortgage crisis]]></category>
		<category><![CDATA[subprime mortgages]]></category>
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		<description><![CDATA[Is your interest rate too high? Are multiple loans confusing you? Are you paying too much monthly? Do interest rates fluctuate too much? Do you need extra cash for very urgent purposes? If you answered “yes” to any of these, then refinancing may be right for you. Refinancing a mortgage, or the replacement of a <a href="http://www.gotoparadigm.com/help-home-mortgage-broker-refinance-bethesda-md/#more-1013'" class="more-link">more »</a>]]></description>
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