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	<title>Carlos Samaniego &#187; Home Owners in Distress</title>
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		<title>2nd Wave of Mortgage Defaults and 3rd Wave!</title>
		<link>http://carlossamaniego.com/2nd-wave-of-mortgage-defaults-and-3rd-wave.html</link>
		<comments>http://carlossamaniego.com/2nd-wave-of-mortgage-defaults-and-3rd-wave.html#comments</comments>
		<pubDate>Wed, 23 Dec 2009 01:46:43 +0000</pubDate>
		<dc:creator>Carlos Samaniego</dc:creator>
				<category><![CDATA[Home Owners in Distress]]></category>
		<category><![CDATA[Purchase Home]]></category>

		<guid isPermaLink="false">http://carlossamaniego.com/?p=546</guid>
		<description><![CDATA[Below is great article I read that talks about &#8220;The Second Wave of Mortgage Defaults.&#8221; It is great story, one I have been telling my credit workshop students and home buyer workshop students. What it doesn&#8217;t mention the 3rd wave of defaults from Job Loss! We have not seen anything yet! Carlos Samaniego (909)742-9699 The [...]]]></description>
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		<title>Only 5 modifications had a Principal Reduction &#8211; Obama Plan Not Working</title>
		<link>http://carlossamaniego.com/obama_modification_not_working.html</link>
		<comments>http://carlossamaniego.com/obama_modification_not_working.html#comments</comments>
		<pubDate>Thu, 12 Nov 2009 16:33:36 +0000</pubDate>
		<dc:creator>Carlos Samaniego</dc:creator>
				<category><![CDATA[Home Owners in Distress]]></category>
		<category><![CDATA[Loan Modifications]]></category>

		<guid isPermaLink="false">http://carlossamaniego.com/?p=516</guid>
		<description><![CDATA[That is right only 5 of 1,711 permanent modifications as of Sept 1 of this year had a principal reduction! That is what I have been telling my clients, that they are being a fed a bill of goods, with all these companies advertising how they are doing principal reductions!  Here is quote from a front page article on Huffington Post [...]]]></description>
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		<title>Loan Modification- What I would tell mom to do?</title>
		<link>http://carlossamaniego.com/loan-modification-what-i-would-tell-mom-to-do.html</link>
		<comments>http://carlossamaniego.com/loan-modification-what-i-would-tell-mom-to-do.html#comments</comments>
		<pubDate>Tue, 03 Nov 2009 21:11:02 +0000</pubDate>
		<dc:creator>Carlos Samaniego</dc:creator>
				<category><![CDATA[Home Owners in Distress]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[redlands]]></category>

		<guid isPermaLink="false">http://carlossamaniego.com/?p=506</guid>
		<description><![CDATA[Everyday I get call&#8217;s from homeowners who do not know what to do? They are behind on their mortgages, owe more than what the house is worth, lost their job, you name it, I heard it. Because of so many people trying to take advantage of stress out homeowners, from realtors, lenders, lawyers, investors, scam [...]]]></description>
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		<title>Loan Modifications Killed By Terminator!</title>
		<link>http://carlossamaniego.com/loan-modifications-killed-by-terminator.html</link>
		<comments>http://carlossamaniego.com/loan-modifications-killed-by-terminator.html#comments</comments>
		<pubDate>Wed, 21 Oct 2009 02:21:11 +0000</pubDate>
		<dc:creator>Carlos Samaniego</dc:creator>
				<category><![CDATA[Home Owners in Distress]]></category>
		<category><![CDATA[Loan Modifications]]></category>

		<guid isPermaLink="false">http://carlossamaniego.com/?p=482</guid>
		<description><![CDATA[That is right the Terminator strikes back in Sacramento! Sign&#8217;s 9 new law&#8217;s in legistition that is effective immediate! Bye, Bye, Loan modification companies and even attornies that get paid up front to do loan modifications! I hope you enjoy this article. Tell me what you think? Comment below Carlos Samaniego P.S. If you like [...]]]></description>
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		<title>Oscar saves $1000&#8242;s by calling his mortgage company!</title>
		<link>http://carlossamaniego.com/oscar-saves-1000s-by-calling-his-mortgage-company.html</link>
		<comments>http://carlossamaniego.com/oscar-saves-1000s-by-calling-his-mortgage-company.html#comments</comments>
		<pubDate>Tue, 13 Oct 2009 22:26:13 +0000</pubDate>
		<dc:creator>Carlos Samaniego</dc:creator>
				<category><![CDATA[Home Owners in Distress]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[Testimonials]]></category>

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		<description><![CDATA[This was what a good day is like. I got this email below from Oscar Jimenez. It felt great helping somone out again! Good Morning Carlos, Thanks for taking the time to take my phone call on Monday.  You gave them the knowledge and realistic advise I needed to call my Mortgage service company (Chase). [...]]]></description>
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