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	<title>Comments on: NAMB / HUD GFE and YSP Webinar</title>
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	<link>http://www.mortgagerevolution.info</link>
	<description>a grass-roots movement of true mortgage professionals joining forces to influence a positive change in our industry</description>
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		<title>By: NAMB / HUD Webinar Replay: &#124; Daily News 5 - Breaking News Now!</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-1051</link>
		<dc:creator>NAMB / HUD Webinar Replay: &#124; Daily News 5 - Breaking News Now!</dc:creator>
		<pubDate>Wed, 06 Jan 2010 22:25:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-1051</guid>
		<description>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</description>
		<content:encoded><![CDATA[<p>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</p>
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		<title>By: Scott Francis</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-1023</link>
		<dc:creator>Scott Francis</dc:creator>
		<pubDate>Wed, 30 Dec 2009 07:47:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-1023</guid>
		<description>I have been in the mortgage industry for 14 years and this is EASILY the dumbest thing I have ever seen.  So if you &quot;float&quot; a loan you basically have no control over what you make.   Isn&#039;t this price fixing??     So if the market improves, the broker who took on the risk on floating the rate can&#039;t take advantage of the better pricing that goes to the borrower???    If the yield spread is worse do you really think you will get the borrower to bring more money to closing??      Also, as a broker, why do we need to include underwriting and the other fees that go a lender not the broker???    This has all been designed to put the bank at the competitive advantage since a Wells Fargo will probably not have to disclose the SRP or any underwriting fee so the brokers APR will always be higher............what a joke they&#039;re going to kill the mortgage industry!!!!!!!!!!    Oh wait thats what the banks want but they should be careful the smaller brokers provide them with a large percentage of their loan volume.</description>
		<content:encoded><![CDATA[<p>I have been in the mortgage industry for 14 years and this is EASILY the dumbest thing I have ever seen.  So if you &#8220;float&#8221; a loan you basically have no control over what you make.   Isn&#8217;t this price fixing??     So if the market improves, the broker who took on the risk on floating the rate can&#8217;t take advantage of the better pricing that goes to the borrower???    If the yield spread is worse do you really think you will get the borrower to bring more money to closing??      Also, as a broker, why do we need to include underwriting and the other fees that go a lender not the broker???    This has all been designed to put the bank at the competitive advantage since a Wells Fargo will probably not have to disclose the SRP or any underwriting fee so the brokers APR will always be higher&#8230;&#8230;&#8230;&#8230;what a joke they&#8217;re going to kill the mortgage industry!!!!!!!!!!    Oh wait thats what the banks want but they should be careful the smaller brokers provide them with a large percentage of their loan volume.</p>
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		<title>By: Jill Rempert</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-981</link>
		<dc:creator>Jill Rempert</dc:creator>
		<pubDate>Thu, 17 Dec 2009 05:26:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-981</guid>
		<description>Where can a get a copy/view the GFE FAQs?</description>
		<content:encoded><![CDATA[<p>Where can a get a copy/view the GFE FAQs?</p>
]]></content:encoded>
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		<title>By: FHA Appraisal Reform, GFE/RESPA Changes and Broker Approval Updates &#124; Home Equity Loans</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-960</link>
		<dc:creator>FHA Appraisal Reform, GFE/RESPA Changes and Broker Approval Updates &#124; Home Equity Loans</dc:creator>
		<pubDate>Wed, 09 Dec 2009 17:25:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-960</guid>
		<description>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</description>
		<content:encoded><![CDATA[<p>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</p>
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		<title>By: Shelby Chapin</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-950</link>
		<dc:creator>Shelby Chapin</dc:creator>
		<pubDate>Mon, 07 Dec 2009 15:09:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-950</guid>
		<description>I still don&#039;t understand one thing.  Your scenarios are great except..Say I want to make 1 ysp in the rate and 1 origination.. Lets say 1500 in origination and 1500 in ysp..My check should be 3000.  What would block one look like and what would block 2 look like and better yet what would the HUD look like?</description>
		<content:encoded><![CDATA[<p>I still don&#8217;t understand one thing.  Your scenarios are great except..Say I want to make 1 ysp in the rate and 1 origination.. Lets say 1500 in origination and 1500 in ysp..My check should be 3000.  What would block one look like and what would block 2 look like and better yet what would the HUD look like?</p>
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	<item>
		<title>By: HUD / FHA Changes That Mortgage and Real Estate Professionals Need To Be Aware Of &#124; Real Estate Industry Blog</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-933</link>
		<dc:creator>HUD / FHA Changes That Mortgage and Real Estate Professionals Need To Be Aware Of &#124; Real Estate Industry Blog</dc:creator>
		<pubDate>Sat, 05 Dec 2009 22:17:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-933</guid>
		<description>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</description>
		<content:encoded><![CDATA[<p>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</p>
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		<title>By: NAMB / HUD Webinar Replay: — Lenderama</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-932</link>
		<dc:creator>NAMB / HUD Webinar Replay: — Lenderama</dc:creator>
		<pubDate>Sat, 05 Dec 2009 22:12:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-932</guid>
		<description>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</description>
		<content:encoded><![CDATA[<p>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</p>
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	<item>
		<title>By: NAMB / HUD Webinar Replay &#8211; January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-931</link>
		<dc:creator>NAMB / HUD Webinar Replay &#8211; January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform</dc:creator>
		<pubDate>Sat, 05 Dec 2009 22:06:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-931</guid>
		<description>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</description>
		<content:encoded><![CDATA[<p>[...] January 1 2010 Updates: RESPA/GFE, FHA Broker Approval and Appraisal Reform  [...]</p>
]]></content:encoded>
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		<title>By: Richard Smith</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-919</link>
		<dc:creator>Richard Smith</dc:creator>
		<pubDate>Thu, 03 Dec 2009 21:23:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-919</guid>
		<description>Thanks for all the great work. We all need to stay current because there is more regulation coming.</description>
		<content:encoded><![CDATA[<p>Thanks for all the great work. We all need to stay current because there is more regulation coming.</p>
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		<title>By: Gary Lange</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-889</link>
		<dc:creator>Gary Lange</dc:creator>
		<pubDate>Tue, 01 Dec 2009 19:36:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-889</guid>
		<description>you do not have this going on the web it lock up and from the rooms in the information wll nto load</description>
		<content:encoded><![CDATA[<p>you do not have this going on the web it lock up and from the rooms in the information wll nto load</p>
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		<title>By: Victoria Johnson</title>
		<link>http://www.mortgagerevolution.info/webinars/hud/comment-page-1/#comment-886</link>
		<dc:creator>Victoria Johnson</dc:creator>
		<pubDate>Tue, 01 Dec 2009 18:46:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.mortgagerevolution.info/?page_id=1229#comment-886</guid>
		<description>Thank you for hosting...</description>
		<content:encoded><![CDATA[<p>Thank you for hosting&#8230;</p>
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