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	<title>Equity Design &#187; Mortgage</title>
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	<link>http://equitydesign.com</link>
	<description>Equity Design is committed to your financial health and long-term economic fullness through mortgage planning, individual financial coaching and group seminars. We strive to examine what holistic wealth means and how to realize more of it through dialogue and action. We believe economic justice is at the heart of community health and we hope you will join us on this journey!</description>
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		<title>Friendship Opportunity</title>
		<link>http://equitydesign.com/2009/09/friendship-opportunity/</link>
		<comments>http://equitydesign.com/2009/09/friendship-opportunity/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 21:24:44 +0000</pubDate>
		<dc:creator>tony kriz</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=618</guid>
		<description><![CDATA[Buying a First House:  Do You Know Anyone Who Should Consider It

The Federal Government has offered a tremendous incentive with its $8000 tax credit to any first time home buyer who buys before November 30, 2009.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Loan Modifications</title>
		<link>http://equitydesign.com/2009/07/loan-modifications/</link>
		<comments>http://equitydesign.com/2009/07/loan-modifications/#comments</comments>
		<pubDate>Tue, 28 Jul 2009 20:09:23 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=579</guid>
		<description><![CDATA[We occasionally receive referrals from homeowners facing economic hardship calling about loan modifications. Recently we stumbled across a Department of Justice media release that speaks to this question and we thought it worthy of passing on to you. Read on for more...]]></description>
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		<item>
		<title>Don&#8217;t Buy a Home</title>
		<link>http://equitydesign.com/2009/07/dont-buy-a-home/</link>
		<comments>http://equitydesign.com/2009/07/dont-buy-a-home/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 17:16:10 +0000</pubDate>
		<dc:creator>tony kriz</dc:creator>
				<category><![CDATA[Coaching]]></category>
		<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=553</guid>
		<description><![CDATA[Jeff and Mary came into my office.  They had filled out a Personal Overview and had brought with them much of the paperwork needed to make a mortgage application.  We spent about an hour together and after careful consideration (along with some pecking on the calculator) it became clear that they could just qualify for a starter home.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Is Mortgage Debt &#8220;Good&#8221;?</title>
		<link>http://equitydesign.com/2009/02/is-mortgage-debt-good/</link>
		<comments>http://equitydesign.com/2009/02/is-mortgage-debt-good/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 16:33:50 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Coaching]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=413</guid>
		<description><![CDATA["Mortgage. Yikes!  It is hard to imagine looking at my credit report and seeing a six-figure line item.  That is six-figures that I need to pay back.  Sure I have had school loans in the thousands and some credit card debt but this, this is something totally different. Is mortgage debt good?"]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Economic Stimulus &#8211; Tax Credit for Homebuyers</title>
		<link>http://equitydesign.com/2009/02/economic-stimulus-tax-credit-for-homebuyers/</link>
		<comments>http://equitydesign.com/2009/02/economic-stimulus-tax-credit-for-homebuyers/#comments</comments>
		<pubDate>Wed, 18 Feb 2009 00:10:10 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Stimulus Package]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=408</guid>
		<description><![CDATA[Just signed and sealedâ€¦a $787 Billion Stimulus Plan made up of tax cuts and spending programs aims at reviving the US economy. Although the package was scaled down from nearly $1 Trillion, it still stands as the largest anti-recession effort since World War II.

Home owners and potential homebuyers stand to gain from key provisions in this stimulus plan. Here is what we know as of today... (Read more...)]]></description>
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		<slash:comments>0</slash:comments>
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		<title>It is probably time to Refinance</title>
		<link>http://equitydesign.com/2008/12/it-is-probably-time-to-refinance/</link>
		<comments>http://equitydesign.com/2008/12/it-is-probably-time-to-refinance/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 21:29:28 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=354</guid>
		<description><![CDATA[We would love to get all philosophical with you about financial health and planning.  And it is true that we want every friend and client to be in a secure and wise loan.  But the reality is RATES ARE GREAT.  We are looking at rates that are at some all time lows.  Yes, there are some unique challenges right now. (read more...)]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Real Wealth and Personal Justice</title>
		<link>http://equitydesign.com/2008/10/real-wealth-and-personal-justice/</link>
		<comments>http://equitydesign.com/2008/10/real-wealth-and-personal-justice/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 22:50:48 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Community Wealth]]></category>
		<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Planning]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=192</guid>
		<description><![CDATA[There is one big issue that comes up over and over within our Equity Design Community:  <strong>What is the next Priority in my financial Plan? </strong>
We have written an <a href="http://equitydesign.com/wp-content/uploads/2008/10/real-wealth-and-personal-justice3.pdf" target="_blank">article</a> to answer that very question.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Fannie and Freddie</title>
		<link>http://equitydesign.com/2008/09/fannie-and-freddie/</link>
		<comments>http://equitydesign.com/2008/09/fannie-and-freddie/#comments</comments>
		<pubDate>Tue, 09 Sep 2008 18:56:17 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=148</guid>
		<description><![CDATA[All over the financial news this week we read of Fannie Mae and Freddie Mac and the swift move of the government over the weekend to all but nationalize these two entities. There are and will be many ramifications from this move, but uncertainty abounds on the medium and long term effects. One thing is for certain though - rates have dropped on average .5%.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA Loans &#8211; What Real Estate Professionals Needs to Know</title>
		<link>http://equitydesign.com/2008/08/fha-loans-what-real-estate-professionals-needs-to-know/</link>
		<comments>http://equitydesign.com/2008/08/fha-loans-what-real-estate-professionals-needs-to-know/#comments</comments>
		<pubDate>Fri, 15 Aug 2008 16:27:34 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[FHA]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=91</guid>
		<description><![CDATA[FHA loans have become more prominently used in the recent few months because of the various underwriting flexibilities that conventional loans do not have.  Many of these flexibilities used to be found in ALT-A &#038; subprime mortgage programs but because of the credit collapse these loans are no longer available. Read on to learn more about FHA loans in today's market...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Housing bill signed: Who qualifies for mortgage help and how to get it</title>
		<link>http://equitydesign.com/2008/07/housing-bill-signed-who-qualifies-for-mortgage-help-and-how-to-get-it/</link>
		<comments>http://equitydesign.com/2008/07/housing-bill-signed-who-qualifies-for-mortgage-help-and-how-to-get-it/#comments</comments>
		<pubDate>Wed, 30 Jul 2008 22:35:32 +0000</pubDate>
		<dc:creator>equity design</dc:creator>
				<category><![CDATA[Financial Health]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[legislation]]></category>
		<category><![CDATA[Mortgage Help]]></category>

		<guid isPermaLink="false">http://equitydesign.com/?p=74</guid>
		<description><![CDATA[Questions and answers about the Hope for Homeowners Act of 2008, passed by Congress last weekend to try to steer as many as 400,000 struggling homeowners away from foreclosure: ]]></description>
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		<slash:comments>0</slash:comments>
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