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	<title>Reverse Mortgage Loan Info</title>
	<link>http://reversemortgageloaninfo.com</link>
	<description>Free Reverse Mortgage Information for Seniors</description>
	<lastBuildDate>Wed, 16 Jun 2010 16:13:46 +0000</lastBuildDate>
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	<item>
		<title>Can the HECM Program and the Reverse Mortgage Industry Survive? Another Perspective</title>
		<description><![CDATA[

In the recent RMD article entitled, FHA DOING EVERY POSSIBLE TO SUSTAIN HECM, INDUSTRY MUST BE READY TO ADAPT, hopeful industry “voices” were featured. Industry veterans  raised the specter of  an initial period of “famine” (lean times) that will be followed by a veritable period of abundance (as the “product is redefined).
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I see a different picture. [...]]]></description>
		<link>http://reversemortgageloaninfo.com/can-the-hecm-program-and-the-reverse-mortgage-industry-survive-another-perspective.html</link>
			</item>
	<item>
		<title>The Reverse Mortgage War of Words: Senator McCaskill Meet Congressman Frank</title>
		<description><![CDATA[

The definition of “ignorance” in the Webster Dictionary leads one to the word “ignorant”. One  possesses this characteristic when one lacks knowledge. Quite frankly, I am thoroughly shocked at the contents of Senator McCaskill’s May 13th press release. It attempts to lionize her efforts to protect seniors from the reverse mortgage industry.
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 I subscribe to Will Rogers’ [...]]]></description>
		<link>http://reversemortgageloaninfo.com/the-reverse-mortgage-war-of-words-senator-mccaskill-meet-congressman-frank.html</link>
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	<item>
		<title>Why HUD’s “Re- Revised Counseling Protocol” will Do Irreparable Harm To The Reverse Mortgage Industry</title>
		<description><![CDATA[

Those who have followed my views on the new counseling protocol know where I stand on the withholding of counseling certificates. In a time of urgent need, too many eligible individuals have already stayed away from the program. Requiring answers to a series of questions only adds to the program’s intimidation factor. Also, the new [...]]]></description>
		<link>http://reversemortgageloaninfo.com/why-hud%e2%80%99s-%e2%80%9cre-revised-counseling-protocol%e2%80%9d-will-do-irreparable-harm-to-the-reverse-mortgage-industry.html</link>
			</item>
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		<title>Could Jeff Lewis&#8217; Innovative New Coalition Save The Reverse Mortgage Industry?</title>
		<description><![CDATA[

It is all about perception and context. These are two areas that the industry has failed to navigate.  Talking to legislators and regulators about program benefits is so prosaic, that it borders on somnolence. It conveys nothing and means nothing. So what-that the program converts equity into cash. Do they really care that there are a variety of ways to [...]]]></description>
		<link>http://reversemortgageloaninfo.com/could-jeff-lewis-innovative-new-coalition-save-the-reverse-mortgage-industry.html</link>
			</item>
	<item>
		<title>Are Legislators and Regulators Committing Malpractice &amp; Unethical Acts Against the Reverse Mortgage Industry?</title>
		<description><![CDATA[

In short, the answer is an unequivocal yes. Before I delve into the muddy waters of specific reverse mortgage laws and rules, and its effects upon our elders, I want to evince a few capacious thoughts on a broader question to wit: Is our country suffering from too many laws and regulations? The answer to [...]]]></description>
		<link>http://reversemortgageloaninfo.com/are-legislators-and-regulators-committing-malpractice-unethical-acts-against-the-reverse-mortgage-industry.html</link>
			</item>
	<item>
		<title>NRMLA’s Philadelphia Regional Reverse Mortgage Conference : The Constitutional Convention Redux</title>
		<description><![CDATA[

			
It is worthwhile to note that the conference site was just blocks away from the Pennsylvania State House (Independence Hall) where the contents of the constitution were debated and drafted. “When viewed from the lens of the 21st century, the creation of a durable, democratic nation among thirteen disparate and far flung sovereign states assumes [...]]]></description>
		<link>http://reversemortgageloaninfo.com/nrmla%e2%80%99s-philadelphia-regional-reverse-mortgage-conference-the-constitutional-convention-redux.html</link>
			</item>
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		<title>Re-aligning Reverse Mortgage Need to Industry Growth</title>
		<description><![CDATA[

In a recent post, I postulated that confusion in the marketplace would reign if the elimination of the origination fee &#38; service set aside did not also apply to the adjustable program. While it is surprising to see that Wells Fargo is the  first to make this change, I would expect out of competitive necessity, to see other [...]]]></description>
		<link>http://reversemortgageloaninfo.com/re-aligning-reverse-mortgage-need-to-industry-growth.html</link>
			</item>
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		<title>Reverse Mortgages: Niche Product or Mainstream Solution?</title>
		<description><![CDATA[

			
While the reverse mortgage industry is focusing on the lowering of the origination fee and elimination of the service fee set aside, it has unwittingly taken its eye off the proverbial ball.
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 While these changes have been touted by some, they belie a concern that has been festering below the surface.  As the HECM reverse mortgage [...]]]></description>
		<link>http://reversemortgageloaninfo.com/reverse-mortgages-niche-product-or-mainstream-solution.html</link>
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		<title>Can no reverse mortgage origination fees, lower closing costs, and even lower rates be too much of a good thing?</title>
		<description><![CDATA[

The emerging repudiation of the origination fee and service fee set aside illustrates the comfort level that the secondary markets have toward the HECM reverse mortgage products.  While on the one hand, I view this as a rather significant positive event,  it also puts added pressure on the loan delivery system. To wit: originations must [...]]]></description>
		<link>http://reversemortgageloaninfo.com/can-no-reverse-mortgage-origination-fees-lower-closing-costs-and-even-lower-rates-be-too-much-of-a-good-thing.html</link>
			</item>
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		<title>Is The Reverse Mortgage Industry Strong Enough To Overcome Change?</title>
		<description><![CDATA[

The Reverse Mortgage Industry started out as a fulfiller of dreams to the Greatest generation. For its first 17 years of existence, regulators outside of HUD, showed little interest in the burgeoning industry.  It seemed that once we broke through the 100,000 unit plateau of yearly closed loans, everyone started to take notice.  The industry [...]]]></description>
		<link>http://reversemortgageloaninfo.com/is-the-reverse-mortgage-industry-strong-enough-to-overcome-change-2.html</link>
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