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	<title>Comments for Sareo Blog</title>
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	<link>http://www.sareo.com</link>
	<description>Blogging about mortgage refinance, auto refinance and refinancing in general.</description>
	<lastBuildDate>Tue, 01 Mar 2011 08:02:20 +0000</lastBuildDate>
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		<title>Comment on Bad Credit Loans by William M . Davis</title>
		<link>http://www.sareo.com/bad-credit-loans/2009/comment-page-1/#comment-84</link>
		<dc:creator>William M . Davis</dc:creator>
		<pubDate>Tue, 01 Mar 2011 08:02:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=15#comment-84</guid>
		<description>Getting bad credit loan is not bad idea, but getting loan over loan brings trouble for consumer which is really hard to take back.</description>
		<content:encoded><![CDATA[<p>Getting bad credit loan is not bad idea, but getting loan over loan brings trouble for consumer which is really hard to take back.</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by Cartier sunglasses</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-70</link>
		<dc:creator>Cartier sunglasses</dc:creator>
		<pubDate>Thu, 23 Dec 2010 04:28:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=17#comment-70</guid>
		<description>&lt;strong&gt;...&lt;/strong&gt;

Thanks for the good percentage given on this article. . Great post. . Very interesting one....</description>
		<content:encoded><![CDATA[<p><strong>&#8230;</strong></p>
<p>Thanks for the good percentage given on this article. . Great post. . Very interesting one&#8230;.</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by Mens versace sunglasses</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-67</link>
		<dc:creator>Mens versace sunglasses</dc:creator>
		<pubDate>Wed, 22 Dec 2010 10:56:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=17#comment-67</guid>
		<description>&lt;strong&gt;...&lt;/strong&gt;

I found your site via yahoo thanks for the post. I will bookmark it for future reference. Thanks....</description>
		<content:encoded><![CDATA[<p><strong>&#8230;</strong></p>
<p>I found your site via yahoo thanks for the post. I will bookmark it for future reference. Thanks&#8230;.</p>
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		<title>Comment on Bad Credit Loans by Laura Morton</title>
		<link>http://www.sareo.com/bad-credit-loans/2009/comment-page-1/#comment-27</link>
		<dc:creator>Laura Morton</dc:creator>
		<pubDate>Thu, 09 Sep 2010 02:05:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=15#comment-27</guid>
		<description>Try fixing your credit before you apply for a mortgage. The costs can add up to thousands of dollars with a bad credit loan. The money you save by waiting a year or two will be worth it.</description>
		<content:encoded><![CDATA[<p>Try fixing your credit before you apply for a mortgage. The costs can add up to thousands of dollars with a bad credit loan. The money you save by waiting a year or two will be worth it.</p>
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		<title>Comment on Bad Credit Loans by Wiley Bradford</title>
		<link>http://www.sareo.com/bad-credit-loans/2009/comment-page-1/#comment-26</link>
		<dc:creator>Wiley Bradford</dc:creator>
		<pubDate>Tue, 07 Sep 2010 20:38:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=15#comment-26</guid>
		<description>Where can a person get a personal unsecured loan who has bad credit?</description>
		<content:encoded><![CDATA[<p>Where can a person get a personal unsecured loan who has bad credit?</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by Laura Morton</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-25</link>
		<dc:creator>Laura Morton</dc:creator>
		<pubDate>Fri, 27 Aug 2010 03:08:01 +0000</pubDate>
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		<description>Home refinancing after a bankruptcy is possible. You might have to wait 3 years. You need to rebuild your credit and this takes some time. Also, the rate you get will not be the best.</description>
		<content:encoded><![CDATA[<p>Home refinancing after a bankruptcy is possible. You might have to wait 3 years. You need to rebuild your credit and this takes some time. Also, the rate you get will not be the best.</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by James Mucci - Michigan refinancing</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-22</link>
		<dc:creator>James Mucci - Michigan refinancing</dc:creator>
		<pubDate>Sat, 03 Apr 2010 19:49:07 +0000</pubDate>
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		<description>Informative post, however the &quot;modification&quot; programs you mentioned are NOT refinance loans.  If your fit into the modification programs then that means you can prove a financial hardship, that requires you to lower your payments to avoid foreclosure.  A refinance is when you choose to get a new mortgage, with better terms than your current mortgage, and therefore you must qualify.  

The home affordable refinance program does allow some borrowers to refinance up to 105% of their homes value, but if you are currently in a bankruptcy, you will not be likely able to qualify.  

So if you need to reduce your payments die to hardship you may be able to modify your existing mortgage, if not maybe you can refinance.  A bankruptcy will not likely affect your modification qualification, but you will probaly need to wait a minimum of 2 to 3 years after a bankruptcy to get qualified for a refinance.

James Mucci - 
&lt;a href=&quot;http://michiganmortgageadvisor.com/michigan-refinancing-stages-of-the-loan-process/&quot; rel=&quot;nofollow&quot;&gt;Michigan Refinancing&lt;/A&gt; Professional</description>
		<content:encoded><![CDATA[<p>Informative post, however the &#8220;modification&#8221; programs you mentioned are NOT refinance loans.  If your fit into the modification programs then that means you can prove a financial hardship, that requires you to lower your payments to avoid foreclosure.  A refinance is when you choose to get a new mortgage, with better terms than your current mortgage, and therefore you must qualify.  </p>
<p>The home affordable refinance program does allow some borrowers to refinance up to 105% of their homes value, but if you are currently in a bankruptcy, you will not be likely able to qualify.  </p>
<p>So if you need to reduce your payments die to hardship you may be able to modify your existing mortgage, if not maybe you can refinance.  A bankruptcy will not likely affect your modification qualification, but you will probaly need to wait a minimum of 2 to 3 years after a bankruptcy to get qualified for a refinance.</p>
<p>James Mucci &#8211;<br />
<a href="http://michiganmortgageadvisor.com/michigan-refinancing-stages-of-the-loan-process/" rel="nofollow">Michigan Refinancing</a> Professional</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by bad credit auto loans</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-20</link>
		<dc:creator>bad credit auto loans</dc:creator>
		<pubDate>Tue, 16 Mar 2010 03:36:54 +0000</pubDate>
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		<description>getting bad credit card loan is not really hard to acquire these days considering lots of lenders grant these kinds of auto loans to opportunity seekers having less than ideal credit report. It is also one of many ways of rebuilding your credit, but to make that come to pass you should be alot more accountable when it comes to paying off your liabilities with the lenders.. Still you need to make sure that this company also give you guidelines on how to obtain the best deal, whether it&#039;s a trade in or a new car deal.</description>
		<content:encoded><![CDATA[<p>getting bad credit card loan is not really hard to acquire these days considering lots of lenders grant these kinds of auto loans to opportunity seekers having less than ideal credit report. It is also one of many ways of rebuilding your credit, but to make that come to pass you should be alot more accountable when it comes to paying off your liabilities with the lenders.. Still you need to make sure that this company also give you guidelines on how to obtain the best deal, whether it&#8217;s a trade in or a new car deal.</p>
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		<title>Comment on Home Refinancing Post Bankruptcy – Is It Possible? by California Refinance</title>
		<link>http://www.sareo.com/home-refinancing-post-bankruptcy-%e2%80%93-is-it-possible/2009/comment-page-1/#comment-13</link>
		<dc:creator>California Refinance</dc:creator>
		<pubDate>Wed, 06 Jan 2010 04:30:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=17#comment-13</guid>
		<description>&lt;strong&gt;Mortgage News  ...&lt;/strong&gt;

Exceptional stuff when it comes to you and your family&#039;s well being....</description>
		<content:encoded><![CDATA[<p><strong>Mortgage News  &#8230;</strong></p>
<p>Exceptional stuff when it comes to you and your family&#8217;s well being&#8230;.</p>
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		<title>Comment on Why Refinance Your Mortgage? by Mike Lukjaniec</title>
		<link>http://www.sareo.com/why-refinance-your-mortgage/2009/comment-page-1/#comment-12</link>
		<dc:creator>Mike Lukjaniec</dc:creator>
		<pubDate>Tue, 15 Dec 2009 14:29:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.therefinance.org/?p=9#comment-12</guid>
		<description>Hi, 

Great Post!! I wish we had these options in UK. 

Regards</description>
		<content:encoded><![CDATA[<p>Hi, </p>
<p>Great Post!! I wish we had these options in UK. </p>
<p>Regards</p>
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