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    <title>topic Helpful Threads in Mortgage Loans</title>
    <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/Helpful-Threads/m-p/415299#M29656</link>
    <description>&lt;P&gt;Below is a short list of helpful mortgage loan related links:&lt;BR /&gt;&lt;BR /&gt;&lt;A href="https://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;amp;thread.id=23" target="_blank"&gt;Guide to Common Abbreviations&lt;/A&gt; - Barry&lt;BR /&gt;&lt;A href="https://ficoforums.myfico.com/fico/board/message?board.id=loans&amp;amp;thread.id=4618&amp;amp;jump=true" target="_blank"&gt;Mortgage Acronyms &amp;amp; Abbreviations (what does PITI mean?)&lt;/A&gt; - ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Evaluating-Conventional-vs-FHA-VA-amp-USDA/m-p/696163" target="_self"&gt;Evaluating Conventional vs. FHA vs USDA vs VA&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-mortgage-insurance-changes-4-1-13-amp-6-3-13/m-p/1900029" target="_self"&gt;FHA mortgage insurance changes 4/1/13 and 6/3/13&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-changing-collection-account-judgments-amp-disputed-account/td-p/2376607" target="_self"&gt;FHA changing collection account, judgments &amp;amp; disputed account guidelines (effective 10/15/13)&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/BIG-changes-to-Fannie-Mae-s-policy-regarding-mortgages-included/td-p/3294446" target="_self"&gt;Changes to Fannie Mae Policy Regarding Mortgages in BK&lt;/A&gt;&lt;SPAN&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Fannie-Mae-FHA-amp-VA-Guidelines/td-p/4247463" target="_self"&gt;Fannie Mae, FHA, &amp;amp; VA Guidelines&lt;/A&gt;&amp;nbsp;- dpeezy&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Automated-Approvals-amp-Manually-Underwritten-Loans-What-is-the/td-p/3753858" target="_self"&gt;Automated Approvals-Manually Underwritten Loans: Whats the Difference&lt;/A&gt;&amp;nbsp;- DallasLoanGuy&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Do-I-qualify-for-a-mortgage-Info-that-is-needed/td-p/381846" target="_self"&gt;Do I Qualify For A Mortgage? Info That Is Needed&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/The-mortgage-pre-approval-process/m-p/696635" target="_self"&gt;The Mortgage Pre-Approval process&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Best-Way-to-Remove-quot-Account-In-Dispute-quot-for-Mortgage/m-p/869450#M75029" target="_self"&gt;Removing accounts in dispute&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Letter-of-Explanation-sample/td-p/410563" target="_self"&gt;Sample Letter of Explanation for negatives&lt;/A&gt;&amp;nbsp;- Wonderin&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FICO-Score-Versions-Required-by-Fannie-Mae/td-p/3631301" target="_self"&gt;FICO Score Versions Required by FannieMae&lt;/A&gt;&amp;nbsp;- frugalQ&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Consumer-Financial-Protection-Bureau-releases-new-rate/m-p/3740555" target="_self"&gt;CFPB Rate Comparison Tool&lt;/A&gt;&amp;nbsp;- Peter1142&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-changing-guidelines-on-deferred-student-loans-6-15-15/td-p/3823692" target="_self"&gt;FHA changing guidelines on deferred student loans - 6/15/15&lt;/A&gt;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A title="Understanding the Closing Disclosure - Part 1 of 2" href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Understanding-the-Loan-Estimate-LE-Part-I-of-II/m-p/4361886" target="_blank"&gt;Understanding the Loan Estimate - Part 1 of 2&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A title="Understanding the closing disclosure - Part 2 of 2" href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Understanding-the-Closing-Disclosure-CD-Part-II-of-II/m-p/4361930" target="_blank"&gt;Understanding the Closing Disclosure - Part 2 of 2&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;Revision history:&amp;nbsp;&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;1/13/2009 - Raine, initial post&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/12/2014 - Revelate, sticky consolidation&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/24/2014 - Revelate, additional threads added&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;11/19/2014 - Lexie, additional thread added&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;1/17/2015 - Revelate, added CFPB Rate Comparison Tool&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/5/2015 - MarineVietVet added new FHA Guidelines for deferred SL's&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;12/7/15 - StartingOver10 added Understanding the closing disclosure&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 - gdale6 added&amp;nbsp; Changes to Fannie Mae Poicy To Mortgages In BK&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added Fannie Mae FHA &amp;amp; VA Guidelines&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added&amp;nbsp;&amp;nbsp;Automated Approvals &amp;amp; Manually Underwritten Loans....... What is the difference?&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added Do I Qualify For A Mortgage? What Info Is Needed&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</description>
    <pubDate>Wed, 29 Aug 2018 23:52:24 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2018-08-29T23:52:24Z</dc:date>
    <item>
      <title>Helpful Threads</title>
      <link>https://ficoforums.myfico.com/t5/Mortgage-Loans/Helpful-Threads/m-p/415299#M29656</link>
      <description>&lt;P&gt;Below is a short list of helpful mortgage loan related links:&lt;BR /&gt;&lt;BR /&gt;&lt;A href="https://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;amp;thread.id=23" target="_blank"&gt;Guide to Common Abbreviations&lt;/A&gt; - Barry&lt;BR /&gt;&lt;A href="https://ficoforums.myfico.com/fico/board/message?board.id=loans&amp;amp;thread.id=4618&amp;amp;jump=true" target="_blank"&gt;Mortgage Acronyms &amp;amp; Abbreviations (what does PITI mean?)&lt;/A&gt; - ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Evaluating-Conventional-vs-FHA-VA-amp-USDA/m-p/696163" target="_self"&gt;Evaluating Conventional vs. FHA vs USDA vs VA&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-mortgage-insurance-changes-4-1-13-amp-6-3-13/m-p/1900029" target="_self"&gt;FHA mortgage insurance changes 4/1/13 and 6/3/13&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-changing-collection-account-judgments-amp-disputed-account/td-p/2376607" target="_self"&gt;FHA changing collection account, judgments &amp;amp; disputed account guidelines (effective 10/15/13)&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/BIG-changes-to-Fannie-Mae-s-policy-regarding-mortgages-included/td-p/3294446" target="_self"&gt;Changes to Fannie Mae Policy Regarding Mortgages in BK&lt;/A&gt;&lt;SPAN&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Fannie-Mae-FHA-amp-VA-Guidelines/td-p/4247463" target="_self"&gt;Fannie Mae, FHA, &amp;amp; VA Guidelines&lt;/A&gt;&amp;nbsp;- dpeezy&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Automated-Approvals-amp-Manually-Underwritten-Loans-What-is-the/td-p/3753858" target="_self"&gt;Automated Approvals-Manually Underwritten Loans: Whats the Difference&lt;/A&gt;&amp;nbsp;- DallasLoanGuy&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Do-I-qualify-for-a-mortgage-Info-that-is-needed/td-p/381846" target="_self"&gt;Do I Qualify For A Mortgage? Info That Is Needed&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/The-mortgage-pre-approval-process/m-p/696635" target="_self"&gt;The Mortgage Pre-Approval process&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/P&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Best-Way-to-Remove-quot-Account-In-Dispute-quot-for-Mortgage/m-p/869450#M75029" target="_self"&gt;Removing accounts in dispute&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Letter-of-Explanation-sample/td-p/410563" target="_self"&gt;Sample Letter of Explanation for negatives&lt;/A&gt;&amp;nbsp;- Wonderin&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FICO-Score-Versions-Required-by-Fannie-Mae/td-p/3631301" target="_self"&gt;FICO Score Versions Required by FannieMae&lt;/A&gt;&amp;nbsp;- frugalQ&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Consumer-Financial-Protection-Bureau-releases-new-rate/m-p/3740555" target="_self"&gt;CFPB Rate Comparison Tool&lt;/A&gt;&amp;nbsp;- Peter1142&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A href="https://ficoforums.myfico.com/t5/Mortgage-Loans/FHA-changing-guidelines-on-deferred-student-loans-6-15-15/td-p/3823692" target="_self"&gt;FHA changing guidelines on deferred student loans - 6/15/15&lt;/A&gt;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A title="Understanding the Closing Disclosure - Part 1 of 2" href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Understanding-the-Loan-Estimate-LE-Part-I-of-II/m-p/4361886" target="_blank"&gt;Understanding the Loan Estimate - Part 1 of 2&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;A title="Understanding the closing disclosure - Part 2 of 2" href="https://ficoforums.myfico.com/t5/Mortgage-Loans/Understanding-the-Closing-Disclosure-CD-Part-II-of-II/m-p/4361930" target="_blank"&gt;Understanding the Closing Disclosure - Part 2 of 2&lt;/A&gt;&amp;nbsp;- ShanetheMortgageMan&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;Revision history:&amp;nbsp;&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;1/13/2009 - Raine, initial post&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/12/2014 - Revelate, sticky consolidation&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/24/2014 - Revelate, additional threads added&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;11/19/2014 - Lexie, additional thread added&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;1/17/2015 - Revelate, added CFPB Rate Comparison Tool&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;3/5/2015 - MarineVietVet added new FHA Guidelines for deferred SL's&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;12/7/15 - StartingOver10 added Understanding the closing disclosure&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 - gdale6 added&amp;nbsp; Changes to Fannie Mae Poicy To Mortgages In BK&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added Fannie Mae FHA &amp;amp; VA Guidelines&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added&amp;nbsp;&amp;nbsp;Automated Approvals &amp;amp; Manually Underwritten Loans....... What is the difference?&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV class="message-edit-history"&gt;&lt;FONT size="1 2 3 4 5 6 7"&gt;&lt;SPAN&gt;&lt;EM&gt;08/29/18 gdale6 added Do I Qualify For A Mortgage? What Info Is Needed&lt;/EM&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Wed, 29 Aug 2018 23:52:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Mortgage-Loans/Helpful-Threads/m-p/415299#M29656</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2018-08-29T23:52:24Z</dc:date>
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