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	<title>The Homeowner Defense Network</title>
	<link>http://thehdn.org</link>
	<description>Empowering the American Homeowner</description>
	<lastBuildDate>Wed, 07 Mar 2012 22:20:52 +0000</lastBuildDate>
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	<item>
		<title>Should You Modify Your Own Loan?</title>
		<description><![CDATA[There is no simple answer to this question, but generally someone who is a good candidate for modifying his or her own loan is perseverant and does not take “no” for an answer.
It’s not necessarily easy modifying your loan &#8212; although it&#8217;s getting easier. In some cases, it may be relatively painless, but sometimes a professional can secure much better [...]]]></description>
		<link>http://thehdn.org/2009/06/should-you-modify-your-own-loan/</link>
			</item>
	<item>
		<title>Should Homeowners Get a Forensic Loan Audit?</title>
		<description><![CDATA[Homeowners seem to be at the receiving end these days. But if they do a little planning and learn about certain services, they can stop the dreaded term of “foreclosure” from entering their life!
If they are not facing foreclosure, still they should know about these methods because it can help them to re-negotiate their loan [...]]]></description>
		<link>http://thehdn.org/2009/06/why-homeowners-should-get-a-forensic-loan-audit/</link>
			</item>
	<item>
		<title>Loan Modification Do-It-Yourself (Loan Mod D.I.Y.)</title>
		<description><![CDATA[Loan Modification Do-It-Yourself (Loan Mod D.I.Y.)
Loan Mod D.I.Y. was created as an inexpensive solution for homeowners who can easily qualify for a loan modification and are prepared to do most of the work on their own.
Benefits:

Least expensive solution
No software download required
Saves time by simplifying calculations and creating hardship letter

For more information, visit our Easy Loan Modification [...]]]></description>
		<link>http://thehdn.org/2009/06/loanmod-diy/</link>
			</item>
	<item>
		<title>Professional Loan Modification Services</title>
		<description><![CDATA[Professional Loan Modification Program
This program helps homeowners who may have a financial hardship but could afford their mortgage with a loan modification. We refer clients to a trusted organization specializing in loan modification.
Benefits:

Most loan types qualify
Performance Based; if you don&#8217;t get an approval, you don&#8217;t pay
Available in Most States

Note: This program is usually the best [...]]]></description>
		<link>http://thehdn.org/2009/06/law-firm-loan-modification/</link>
			</item>
	<item>
		<title>H.E.L.P. Program</title>
		<description><![CDATA[H.E.L.P. Program (Homeowner Education = Lender Performance)
The H.E.L.P program assist homeowners who may not have an enforceable Mortgage.
A significant percentage of Mortgages originated during the mortgage boom were either in violation of federal and/or state fair lending laws or were written in a way that  makes them not enforceable. A third party auditing company will audit your Mortgage [...]]]></description>
		<link>http://thehdn.org/2009/06/help-program/</link>
			</item>
	<item>
		<title>The Unthinkable: Foreclosure</title>
		<description><![CDATA[The foreclosure process varies from state to state and is dependent upon whether your state is a judicial or non-judicial state and whether your state uses mortgages or deeds of trust for the purchase of property. Most states that use mortgages are judicial states, while most states that use deeds of trust, are generally non-judicial states.
In judicial [...]]]></description>
		<link>http://thehdn.org/2009/06/foreclosure-is-not-an-option/</link>
			</item>
	<item>
		<title>Fair Lending Laws Protect Homeowners</title>
		<description><![CDATA[It&#8217;s been reported that up to 70% of mortgages originated during the &#8220;boom&#8221; years contained violations to the rights of borrowers under federal and state fair lending laws.
These laws protect homeowners, and the discovery and documentation of violations can be invaluable for homeowners trying to negotiate a mortgage or loan modification.  
For example, a violation to TILA, [...]]]></description>
		<link>http://thehdn.org/2009/06/fair-lending-laws-protect-homeowners/</link>
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