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	<title>What Has Been Seen... &#187; Lenders</title>
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	<link>http://www.whathasbeenseen.com</link>
	<description>What we're seeing in the Real Estate Housing Bubble, Economy, Foreclosure and Credit Crisis, and How It Affects Us...</description>
	<lastBuildDate>Fri, 08 Jan 2010 05:07:16 +0000</lastBuildDate>
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		<title>Don&#8217;t Worry &#8211; The FDIC Insures Your Money!  Except Of Course When It Doesn&#8217;t Actually HAVE Enough Money&#8230;</title>
		<link>http://www.whathasbeenseen.com/2008/08/dont-worry-the-fdic-insures-your-money-except-of-course-when-it-doesnt-actually-have-enough-money/</link>
		<comments>http://www.whathasbeenseen.com/2008/08/dont-worry-the-fdic-insures-your-money-except-of-course-when-it-doesnt-actually-have-enough-money/#comments</comments>
		<pubDate>Wed, 27 Aug 2008 17:49:01 +0000</pubDate>
		<dc:creator>Ginnie</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[National]]></category>

		<guid isPermaLink="false">http://www.whathasbeenseen.com/?p=41</guid>
		<description><![CDATA[This is frightening on many levels.  People are slowly slipping back into complacency as gas prices settle, the US Dollar seems to be doing slightly better, and Bush has declared a &#8220;soft end&#8221; to the war in Iraq.
But don&#8217;t get too excited.  With the recent mortgage loan crisis and massive shutdown of many [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>A Bright Light Among The Gloom:  A Foreclosure Story That Actually Worked Out</title>
		<link>http://www.whathasbeenseen.com/2008/08/a-bright-light-among-the-gloom-a-foreclosure-story-that-actually-worked-out/</link>
		<comments>http://www.whathasbeenseen.com/2008/08/a-bright-light-among-the-gloom-a-foreclosure-story-that-actually-worked-out/#comments</comments>
		<pubDate>Mon, 25 Aug 2008 17:01:47 +0000</pubDate>
		<dc:creator>Ginnie</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[Stories and Experiences]]></category>

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		<description><![CDATA[We&#8217;ve been hearing a lot of news about loan modification programs coming from the government.  At first the idea of helping struggling homeowners sounds great, like a new chance for so many who fell behind for one reason or another.  But then you read the details and you find that only a small [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ever Wonder Who Caused The Housing Bubble To Be As Bad As It Was?  It Was Mortgage Brokers Like This&#8230;</title>
		<link>http://www.whathasbeenseen.com/2008/07/ever-wonder-who-caused-the-housing-bubble-to-be-as-bad-as-it-was-it-was-agents-and-brokers-like-this/</link>
		<comments>http://www.whathasbeenseen.com/2008/07/ever-wonder-who-caused-the-housing-bubble-to-be-as-bad-as-it-was-it-was-agents-and-brokers-like-this/#comments</comments>
		<pubDate>Tue, 29 Jul 2008 18:33:33 +0000</pubDate>
		<dc:creator>Ginnie</dc:creator>
				<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Stories and Experiences]]></category>

		<guid isPermaLink="false">http://www.whathasbeenseen.com/?p=31</guid>
		<description><![CDATA[I&#8217;ve worked in real estate for several years during the boom as a side hobby.  I was introduced to some of the kindest and most sincere people I&#8217;ve ever met in addition to the kind of filth that you&#8217;d imagine would occupy the bottom of an industrial septic tank.  An old coworker sent [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Are Credit Unions Better Than Banks?  Perhaps, But Even Credit Unions Are Being Hit By Delinquent Auto, Credit Card, and Home Equity Real Estate Loans</title>
		<link>http://www.whathasbeenseen.com/2008/07/are-credit-unions-better-than-banks-perhaps-but-even-credit-unions-are-being-hit-by-delinquent-auto-credit-card-and-home-equity-real-estate-loans/</link>
		<comments>http://www.whathasbeenseen.com/2008/07/are-credit-unions-better-than-banks-perhaps-but-even-credit-unions-are-being-hit-by-delinquent-auto-credit-card-and-home-equity-real-estate-loans/#comments</comments>
		<pubDate>Mon, 28 Jul 2008 21:08:25 +0000</pubDate>
		<dc:creator>Ginnie</dc:creator>
				<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Lenders]]></category>

		<guid isPermaLink="false">http://www.whathasbeenseen.com/?p=29</guid>
		<description><![CDATA[Growing up, I always heard, &#8220;Go with a credit union.  Credit Unions are better than banks&#8220;.  After getting pinched with one too many fees due to money being IN my account, but not posted yet, I began to agree with this.  The little things that credit unions in Arizona like Arizona Federal [...]]]></description>
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		<slash:comments>3</slash:comments>
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