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	<title>Comments on: Mortgage Rates Fall, U.S. Seeks Further Interest Rate Reduction</title>
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		<title>By: Douglas L. Sakiestewa</title>
		<link>http://www.azmortgageguru.com/mortgage-rates-fall-us-seeks-further-interest-rate-reduction/comment-page-1/#comment-2855</link>
		<dc:creator>Douglas L. Sakiestewa</dc:creator>
		<pubDate>Sun, 11 Jan 2009 16:08:49 +0000</pubDate>
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		<description>Your column is good to read. I have had 5 to 6 homes since 1970s. Call me an experienced home owner. No. Over 40 years I have been timely on all bill payments. Crisis. Late payments, interest rates went up; credit limits got lowered; default notices on two homes; more threats. What do I do? I negotiated lower payments on all lenders except mortgage companies Bank of A and Wells F. They don&#039;t budge. Refin is denied due to bad and low credit score. I find FICO free wheeling. No federal law supports it. But FCRA and others protest the rating system. My family finance plan is shattered and not protected by law. Is something  going on that is unconstitutional about FICO and the whole mortage system.  Customers is where cash comes from and we should have a budget plan that takes into account all bills and come up with an affordable plan until crisis is over then redo another Family Budget, especially for me since we are around age 70 with fixed income.  Struggling me.  Doug from Albuquerque.</description>
		<content:encoded><![CDATA[<p>Your column is good to read. I have had 5 to 6 homes since 1970s. Call me an experienced home owner. No. Over 40 years I have been timely on all bill payments. Crisis. Late payments, interest rates went up; credit limits got lowered; default notices on two homes; more threats. What do I do? I negotiated lower payments on all lenders except mortgage companies Bank of A and Wells F. They don&#8217;t budge. Refin is denied due to bad and low credit score. I find FICO free wheeling. No federal law supports it. But FCRA and others protest the rating system. My family finance plan is shattered and not protected by law. Is something  going on that is unconstitutional about FICO and the whole mortage system.  Customers is where cash comes from and we should have a budget plan that takes into account all bills and come up with an affordable plan until crisis is over then redo another Family Budget, especially for me since we are around age 70 with fixed income.  Struggling me.  Doug from Albuquerque.</p>
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		<title>By: Tim Reynolds</title>
		<link>http://www.azmortgageguru.com/mortgage-rates-fall-us-seeks-further-interest-rate-reduction/comment-page-1/#comment-2760</link>
		<dc:creator>Tim Reynolds</dc:creator>
		<pubDate>Mon, 08 Dec 2008 02:12:01 +0000</pubDate>
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		<description>Nice post. Thank you for the info. Keep it up.</description>
		<content:encoded><![CDATA[<p>Nice post. Thank you for the info. Keep it up.</p>
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