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	<title>Picture Perfect San Diego &#187; help for homeowners</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
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		<title>New Help For Those Seeking Loan Modifications</title>
		<link>http://pictureperfectsandiego.com/2010/02/11/new-help-for-those-seeking-loan-modifications/</link>
		<comments>http://pictureperfectsandiego.com/2010/02/11/new-help-for-those-seeking-loan-modifications/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 22:57:35 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Foreclosure Avoidance]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[foreclosure options]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[rachel lamar]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[Mortgage assistance]]></category>
		<category><![CDATA[mortgage help]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=10592</guid>
		<description><![CDATA[Facing foreclosure? Unable to make mortgage payments? Have you tried to get a  modification and don&#8217;t know how to go about it on your own? There may be  free assistance available to you.
Fannie Mae and Freddie Mac recently announced two new options to help  delinquent homeowners with loan modification issues. To learn [...]]]></description>
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		<title>Another Change in Laws to Help Struggling Homeowners</title>
		<link>http://pictureperfectsandiego.com/2009/05/23/another-change-in-laws-to-help-struggling-homeowners/</link>
		<comments>http://pictureperfectsandiego.com/2009/05/23/another-change-in-laws-to-help-struggling-homeowners/#comments</comments>
		<pubDate>Sat, 23 May 2009 22:19:26 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Foreclosure Avoidance]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[foreclosure options]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[Helping Families Save Their Homes Act]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[rachel lamar]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5941</guid>
		<description><![CDATA[This past week the Obama administration signed into law changes to the current Help for Homeowners Program (H4H) in order to actually help more homeowners. The H4H program meant well but was not in fact assisting anyone (there was only ONE documented case of assistance in the months since it&#8217;s inception, with the preliminary targeted [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>MORE Relief for Struggling Homeowners</title>
		<link>http://pictureperfectsandiego.com/2009/04/30/more-relief-for-struggling-homeowners/</link>
		<comments>http://pictureperfectsandiego.com/2009/04/30/more-relief-for-struggling-homeowners/#comments</comments>
		<pubDate>Thu, 30 Apr 2009 19:34:55 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[foreclosure options]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[rachel lamar]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5364</guid>
		<description><![CDATA[Yesterday the Obama administration announced new details to the homeowner assistance programs that may widen the gap to help more people with modifications under the existing plans. The new additions to the Making Home Affordable program center around second liens and incorporating the Hope for Homeowner Program with the Making Home Affordable program.
Currently under the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Is It Time to Prepare for More Foreclosures?</title>
		<link>http://pictureperfectsandiego.com/2009/04/25/is-it-time-to-prepare-for-more-foreclosures/</link>
		<comments>http://pictureperfectsandiego.com/2009/04/25/is-it-time-to-prepare-for-more-foreclosures/#comments</comments>
		<pubDate>Sat, 25 Apr 2009 19:23:38 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[increase in foreclosures]]></category>
		<category><![CDATA[North San Diego Real estate]]></category>
		<category><![CDATA[rachel lamar]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5230</guid>
		<description><![CDATA[There has been a lot of information over the last few months about the new homeowner help plans to assist homeowners in lowering mortgage payments by modifications or refinancing. They sound great and pledge to offer help to millions of struggling homeowners, but do they really work? And if not, are we going to see [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Good News for Unemployed Citigroup Mortgage Holders</title>
		<link>http://pictureperfectsandiego.com/2009/03/04/good-news-for-unemployed-citigroup-mortgage-holders/</link>
		<comments>http://pictureperfectsandiego.com/2009/03/04/good-news-for-unemployed-citigroup-mortgage-holders/#comments</comments>
		<pubDate>Wed, 04 Mar 2009 17:58:53 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[mortgage help]]></category>
		<category><![CDATA[rachel lamar]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=4318</guid>
		<description><![CDATA[If you hold a mortgage with Citigroup and are unemployed, the announcement made March 3 can help you with your payments. Citigroup has created a new program whereby it will temporarily lower mortgage payments for borrowers who have recently lost their jobs. 
Qualifications:
1.  Recent job loss (you must provide proof of unemployment and sign a [...]]]></description>
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		<item>
		<title>How the Homeowner Affordability and Stability Plan Can Help You</title>
		<link>http://pictureperfectsandiego.com/2009/02/23/how-the-homeowner-affordability-and-stability-plan-can-help-you/</link>
		<comments>http://pictureperfectsandiego.com/2009/02/23/how-the-homeowner-affordability-and-stability-plan-can-help-you/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 03:00:04 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[help for struggling borrowers]]></category>
		<category><![CDATA[New government plan]]></category>
		<category><![CDATA[rachel lamar]]></category>
		<category><![CDATA[Rachel LaMar real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=4099</guid>
		<description><![CDATA[As  you likely know, the Obama administration has instituted a new plan to help homeowners facing foreclosure-the Homeowner Affordability and Stability Plan. The good news is that the plan actually reaches beyond merely helping those who are behind on their payments&#8211;it will actually help those who are current with payments but have declined property values. [...]]]></description>
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		<slash:comments>2</slash:comments>
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