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	<title>New Vista Blog</title>
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	<link>http://www.newvistareo.com/blog</link>
	<description>Building Stonger Communites Through Monority Homeownership</description>
	<pubDate>Sun, 07 Sep 2008 06:30:24 +0000</pubDate>
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		<title>Feds need to recognize that first time buyers are key to recovery</title>
		<link>http://www.newvistareo.com/blog/?p=22</link>
		<comments>http://www.newvistareo.com/blog/?p=22#comments</comments>
		<pubDate>Sun, 07 Sep 2008 06:30:24 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[The Housing Market]]></category>

		<category><![CDATA[Bernake]]></category>

		<category><![CDATA[credit]]></category>

		<category><![CDATA[fannie]]></category>

		<category><![CDATA[finance]]></category>

		<category><![CDATA[foreclosure]]></category>

		<category><![CDATA[freddie]]></category>

		<category><![CDATA[gse]]></category>

		<category><![CDATA[housing]]></category>

		<category><![CDATA[mortgage]]></category>

		<category><![CDATA[Paulson]]></category>

		<category><![CDATA[Treasury]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=22</guid>
		<description><![CDATA[Now that the feds have taken control of Fannie and Freddie, I hope they realize that further tightening of underwriting criteria will only exacerbate our current housing crisis and will likely lead to more bank failures and billions of dollars in taxpayer dollars. There is no question that the availability of mortgage credit got far [...]]]></description>
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		<item>
		<title>Are Fannie and Freddie toast?</title>
		<link>http://www.newvistareo.com/blog/?p=21</link>
		<comments>http://www.newvistareo.com/blog/?p=21#comments</comments>
		<pubDate>Sat, 06 Sep 2008 03:35:33 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[General Blog]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=21</guid>
		<description><![CDATA[Word is that the feds are ready to take control of Fannie Mae and Freddie Mac. This will further exacerbate the current housing downturn and depress housing values even further. There may be some good in all of this but I personally dont believe that the ultimate reduction of homeownership opportunities for many first time [...]]]></description>
		<wfw:commentRss>http://www.newvistareo.com/blog/?feed=rss2&amp;p=21</wfw:commentRss>
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		<item>
		<title>Do we need assumptions back to turn the market around?</title>
		<link>http://www.newvistareo.com/blog/?p=19</link>
		<comments>http://www.newvistareo.com/blog/?p=19#comments</comments>
		<pubDate>Tue, 19 Aug 2008 21:25:07 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[General Blog]]></category>

		<category><![CDATA[The Housing Market]]></category>

		<category><![CDATA[Add new tag]]></category>

		<category><![CDATA[banking]]></category>

		<category><![CDATA[credit crisis]]></category>

		<category><![CDATA[Fannie Mae]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[Freddie Mac]]></category>

		<category><![CDATA[housing]]></category>

		<category><![CDATA[mortgages]]></category>

		<category><![CDATA[real estate]]></category>

		<category><![CDATA[secondary markets]]></category>

		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=19</guid>
		<description><![CDATA[Some people are now suggesting that Fannie and Freddie need to eliminate the &#8220;due on sale&#8221; clause in their notes and trust deeds. When I first heard this I didn&#8217;t really see how this would make a big difference, After all, interest rates aren&#8217;t that far off of their historic lows and my guess is [...]]]></description>
		<wfw:commentRss>http://www.newvistareo.com/blog/?feed=rss2&amp;p=19</wfw:commentRss>
		</item>
		<item>
		<title>standardizing loss mitigation protocols is a must</title>
		<link>http://www.newvistareo.com/blog/?p=18</link>
		<comments>http://www.newvistareo.com/blog/?p=18#comments</comments>
		<pubDate>Wed, 06 Aug 2008 04:49:20 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[The Housing Market]]></category>

		<category><![CDATA[Add new tag]]></category>

		<category><![CDATA[Fannie Mae]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[Freddie Mac]]></category>

		<category><![CDATA[GSE's]]></category>

		<category><![CDATA[HUD]]></category>

		<category><![CDATA[loss mitigation]]></category>

		<category><![CDATA[mortgages]]></category>

		<category><![CDATA[OCC]]></category>

		<category><![CDATA[OTS]]></category>

		<category><![CDATA[sub-prime mortgages]]></category>

		<category><![CDATA[Treasury]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=18</guid>
		<description><![CDATA[Over the next couple of years more resources than ever will be invested into loss mitigation efforts. Foreclosures are at historic levels prompting lenders to consider doing many more loan modifications, forbearance&#8217;s and short sales. One would think that there would be sophisticated tools available to lenders who want to do this fairly and responsibley or at the very least [...]]]></description>
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		</item>
		<item>
		<title>Affordable lending is the key to a housing recovery</title>
		<link>http://www.newvistareo.com/blog/?p=17</link>
		<comments>http://www.newvistareo.com/blog/?p=17#comments</comments>
		<pubDate>Mon, 04 Aug 2008 06:06:13 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[The Housing Market]]></category>

		<category><![CDATA[banks]]></category>

		<category><![CDATA[Fannie Mae]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[Freddie Mac]]></category>

		<category><![CDATA[GSE's]]></category>

		<category><![CDATA[home loans]]></category>

		<category><![CDATA[Housing bill]]></category>

		<category><![CDATA[lending]]></category>

		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=17</guid>
		<description><![CDATA[Why doesn’t anyone understand that affordable lending to LMI and minority homebuyers is the key to the housing recovery? Lenders, GSE&#8217;s and mortgage insurance companies are all curtailing their affordable lending goals and initiatives at the worst possible time and in the process are exacerbating an already dire housing market. If there is a “silver lining” in today’s housing [...]]]></description>
		<wfw:commentRss>http://www.newvistareo.com/blog/?feed=rss2&amp;p=17</wfw:commentRss>
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		<item>
		<title>Housing bill and the GSE&#8217;s</title>
		<link>http://www.newvistareo.com/blog/?p=16</link>
		<comments>http://www.newvistareo.com/blog/?p=16#comments</comments>
		<pubDate>Mon, 04 Aug 2008 05:00:03 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[The Housing Market]]></category>

		<category><![CDATA[fha]]></category>

		<category><![CDATA[finance]]></category>

		<category><![CDATA[foreclosures]]></category>

		<category><![CDATA[gse]]></category>

		<category><![CDATA[housing]]></category>

		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=16</guid>
		<description><![CDATA[Last week the President signed a historic housing bill that among many other things provides Fannie Mae and Freddie Mac loan commitments with a temporary guarantee from the federal government. But is it really possible for the government to give a temporary GSE guarantee? For years Fannie and Freddie bonds have been priced with a yield only a hair [...]]]></description>
		<wfw:commentRss>http://www.newvistareo.com/blog/?feed=rss2&amp;p=16</wfw:commentRss>
		</item>
		<item>
		<title>Management of Foreclosures Will Determine Fate of America’s Neighborhoods</title>
		<link>http://www.newvistareo.com/blog/?p=14</link>
		<comments>http://www.newvistareo.com/blog/?p=14#comments</comments>
		<pubDate>Mon, 14 Jul 2008 17:45:54 +0000</pubDate>
		<dc:creator>gacosta</dc:creator>
		
		<category><![CDATA[General Blog]]></category>

		<guid isPermaLink="false">http://www.newvistareo.com/blog/?p=14</guid>
		<description><![CDATA[

 
While Congress is pushing legislation that will spend billions of taxpayer dollars aimed at delivering foreclosure relief, we must move on a parallel path with solutions that stop the spiral of housing depreciation that is undermining local neighborhoods. Leading consumer advocacy groups estimate that about two million homes will be lost to foreclosure between [...]]]></description>
		<wfw:commentRss>http://www.newvistareo.com/blog/?feed=rss2&amp;p=14</wfw:commentRss>
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