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    <title>Presidential Preferred Funding L.L.C. - Latest Press Releases on ReleaseWire</title>
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      <title>HARP 2.0 Program Allows Many Illinois Homeowners to Take Advantage of Low Refinance Rates and Lower Their Monthly Mortgage Payments</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 12/19/2013 --  More Illinois homeowners than ever who owe more than their homes are worth may be able to refinance under the HARP 2.0 (Home Affordable Refinance) program. This is great news for homeowners looking to reduce their monthly mortgage payments and lower their interest rates.<br />
<br />
Unfortunately, many Illinois homeowners don&apos;t even know the program exists.<br />
<br />
Illinois mortgage originator, Allan Freitag educates his potential clients on the basics of this program at his Online <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance" href="http://www.illinois-harp-help.com/">HARP Refinance</a> Information Center.<br />
<br />
Freitag explains that HARP is a streamline refinance program created to help responsible borrowers who have continued to make their mortgage payments, but may be unable to refinance over recent years due to a decline in their home value.<br />
<br />
With the changes announced to the eligibility guidelines (now called HARP 2.0), more homeowners than ever are now eligible to refinance at lower interest rates.<br />
<br />
According to Freitag, the loosened stipulations of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP" href="http://www.illinois-harp-help.com/">HARP</a> program have already resulted in an increased amount of loan modifications. Many Illinois homeowners with high Loan-to-Value ratios and less than perfect credit scores have been able to successfully refinance their homes.<br />
<br />
You May Be Eligible For A HARP Refinance If:<br />
<br />
1) Fannie Mae or Freddie Mac owns or guaranteed your home loan.<br />
2) Your loan is not an FHA, USDA or Jumbo Mortgage.<br />
3) Your mortgage is current for the last six months.<br />
4) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.<br />
5) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP refinance" href="http://www.illinois-harp-help.com/">HARP refinance</a> between March and May 2009.<br />
6) You have no more than one late payment over the past 12 months.<br />
7) You owe more than your home is worth, or is there minimal equity in your home.<br />
<br />
Call Allan Freitag at 847-885-2020 or visit our <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance Center" href="http://www.illinois-harp-help.com/">HARP Refinance Center</a> and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/415548">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.illinois-harp-help.com/">http://www.illinois-harp-help.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=415548&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Thu, 19 Dec 2013 15:59:15 -0600</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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      <title>Hoffman Estates, Illinois Based Mortgage Broker Reveals 3 Things Lenders Don't Want You to Know About Shopping for a Mortgage Online</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 09/12/2013 --  Hoffman Estates, Illinois Based <a class="extlink"  target="_blank"  rel="nofollow noopener" title="Mortgage Broker" href="http://ilmortgagebroker.com">Mortgage Broker</a> Reveals 3 Things Lenders Don&apos;t Want You to Know About Shopping for a Mortgage Online<br />
<br />
Anyone who&apos;s even remotely interested in shopping for a home loan has probably paid attention to all those commercials on TV touting the ease of using any of a variety of Internet services to compare mortgage offers from the comfort of your home. You may even have tried a couple of them yourself. But Allan Freitag, a Loan Officer with Presidential Preferred Funding L.L.C., says Hoffman Estates, Illinois residents need to watch out when trying to use the Internet to do the heavy lifting for them.  <br />
<br />
"Sometimes, these Internet services might work fairly well for certain people." "But the one-size-fits-all approach they offer is going to leave a lot of people with loans that aren&apos;t the best for them, or even worse, they may be shut out of the process altogether."<br />
<br />
Allan Freitag says the problem with these services is that they never really get to know anything about your financial situation other than your credit history and income level. "So basically what winds up happening is that you&apos;re reduced to a number to them. And if they don&apos;t like whatever that number is, you&apos;re out of luck."<br />
<br />
Here are three things you should watch out for when shopping for home-finance products on the Internet – things most online mortgage sites hope you ignore:<br />
<br />
*Do they take the time to find out about your unique situation, or are you just a cyber-borrower in their eyes? Most of these sites simply don&apos;t have the manpower to individually work with every borrower. So a lot of times you wind up with a bad loan simply because there was no one to check if they could have gotten you a better deal.  <br />
<br />
*What do they offer people in special financial circumstances – such as the self-employed or people with damaged credit? Most of these sites don&apos;t even want to work with you unless you meet their stringent criteria.  <br />
<br />
*Do they provide advice to help when choosing between loan products? Most sites simply gather offers, throw them in your lap, and pressure you to choose between them. Unless you&apos;re a pretty experienced mortgage pro, deciding on the best offer can be difficult, if not impossible.  <br />
<br />
So, what&apos;s the solution? Use the Internet to educate yourself and then work with a real human being. You may not have thought about "old-fashioned" methods of finding the best deal, such as working with a mortgage broker. "But for anyone who values a real person sitting down with you and working through the process, there&apos;s no better option," says Freitag.<br />
<br />
About Allan Freitag<br />
Hoffman Estates, Illinois - based mortgage expert Allan Freitag specializes in providing information to Illinois residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.<br />
<br />
Allan Freitag is available for interviews and will welcome all your mortgage related questions. <br />
<br />
Call 847-885-2020 for a Free No-Obligation Consultation or visit: <br />
<br />
<a class="extlink"  target="_blank"  rel="nofollow noopener" title="http://ilmortgagebroker.com" href="http://ilmortgagebroker.com">http://ilmortgagebroker.com</a><br />
<a class="extlink"  target="_blank"  rel="nofollow noopener" title="http://www.illinoismortgagebroker.com" href="http://www.illinoismortgagebroker.com">http://www.illinoismortgagebroker.com</a><br />
<a class="extlink"  target="_blank"  rel="nofollow noopener" title="https://www.facebook.com/IllinoisMortgageBroker" href="https://www.facebook.com/IllinoisMortgageBroker">https://www.facebook.com/IllinoisMortgageBroker</a></p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/324765">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=324765&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Thu, 12 Sep 2013 13:33:52 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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      <title>Many Illinois Homeowners Can Take Advantage of Low Refinance Rates and Lower Their Monthly Mortgage Payments with HARP 2.0 Program</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">The HARP 2.0 government program might allow Illinois homeowners who are living under negative equity to refinance at lower interest rates.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 05/08/2013 --  Illinois mortgage originator, Allan Freitag educates his potential clients on the basics of the HARP 2.0 program at his Online <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance" href="">HARP Refinance</a> Information Center.<br />
<br />
More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.<br />
<br />
The only problem is that still many Illinois homeowners don&apos;t know the program exists.<br />
<br />
With the changes announced to the HARP eligibility guidelines (now called HARP 2.0), more homeowners than ever are now eligible to refinance at lower interest rates.<br />
<br />
Freitag explains that the Home Affordable Refinance Program (HARP) is a streamline refinance program created to help responsible borrowers who have continued to make their mortgage payments, but may be unable to refinance over recent years due to a decline in their home value.<br />
<br />
According to Freitag, the relaxed stipulations of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP 2.0" href="http://ilmortgagebroker.com">HARP 2.0</a> program have already resulted in a large amount of loan modifications. Those Illinois homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.<br />
<br />
In October 2011, Fannie Mae and Freddie Mac along with the Federal Housing Finance Agency (FHFA) announced modifications to the Home Affordable Refinance Program to make it easier for lenders to refinance mortgages in Illinois.<br />
<br />
You May Be Eligible For A HARP Refinance If:<br />
<br />
1) Your mortgage is current for the last six months.<br />
<br />
2) Fannie Mae or Freddie Mac owned or guaranteed your home loan.<br />
<br />
3) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.<br />
<br />
4) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP refinance" href="http://ilmortgagebroker.com">HARP refinance</a> between March and May 2009.<br />
<br />
5) You owe more than your home is worth, or is there minimal equity in your home.<br />
<br />
6) Your loan is not an FHA, USDA or Jumbo Mortgage.<br />
<br />
7) You have no more than one late payment over the past 12 months.<br />
<br />
Call Allan Freitag at 847-885-2020 or visit our <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance Center" href="http://ilmortgagebroker.com">HARP Refinance Center</a> and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.<br />
<br />
For Answers to Your HARP Questions: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://ilmortgagebroker.com" href="http://ilmortgagebroker.com">http://ilmortgagebroker.com</a><br />
<br />
Site to fill out Full Application: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://www.illinoismortgagebroker.com" href="http://www.illinoismortgagebroker.com">http://www.illinoismortgagebroker.com</a><br />
<br />
"Like" us on facebook to get FREE updates: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="https://www.facebook.com/IllinoisMortgageBroker" href="https://www.facebook.com/IllinoisMortgageBroker">https://www.facebook.com/IllinoisMortgageBroker</a></p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/248561">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=248561&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Wed, 08 May 2013 09:53:23 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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      <title>New Home Affordable Refinance Program Explained by Illinois Refinancing Expert</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">The revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house it worth is called HARP 2.0 and is explained by Illinois Refinancing Expert Allan Freitag.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 03/27/2013 --  In order to lower costs of mortgage installments today and get a good fixed rate plan underway for repayment, many people are turning to the Home Affordable Refinance Program (HARP or HARP 2.0), also known as the Making Home Affordable Program. Help has finally arrived for Illinois home owners whose property values have dropped over the past couple of years. <br />
<br />
Allan Freitag, a Hoffman Estates, Illinois based mortgage consultant, has released a new web site at: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a> designed to remove the confusion about this latest government program.<br />
<br />
However, as new information appears on government sites, people are finding the documentation to be lengthy and somewhat confusing. <br />
<br />
This new HARP 2.0 resource site shares details about the basics of this mortgage lending solution and answers questions like:<br />
<br />
- What are the benefits of HARP loans? <br />
- What are HARP loans all about, in a nutshell – in layman&apos;s terms? <br />
- Do I qualify for the HARP program?<br />
- What kind of mortgage loans can HARP funds be used for?<br />
- What documents do I need to bring to the lender when I apply?<br />
- And much more…<br />
<br />
HARP Specialist Mr. Freitag, says "readily available and with low interest rates, these HARP loans are an exciting way for people to enjoy double savings with lower monthly mortgage installment loan payments and increased equity over the long term restructuring."<br />
<br />
The new resource site showcases pages of information to help Illinois borrowers realize that HARP loans are an ideal way for families with homes that have dropped in value to rebuild their investment, creating equity faster under a new structure.  <br />
<br />
Allan Freitag is available for interviews and will welcome all your mortgage related questions.<br />
<br />
Call 847-885-2020 or visit <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a> to see if you qualify for this new program. Or you can go to our main website and fill out a loan application <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://www.illinoismortgagebroker.com" href="http://www.illinoismortgagebroker.com">http://www.illinoismortgagebroker.com</a><br />
<br />
Also for a limited time Presidential Preferred Funding is offering a FREE appraisal when they close your loan (appraisal will be credited at closing).</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/229672">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://illinois-harp-help.com/">http://illinois-harp-help.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=229672&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Wed, 27 Mar 2013 15:11:30 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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      <title>Illinois Homeowners Reduce Interest Rates and Lower Mortgage Payments on Current FHA Loans with the Help of FHA Streamline Refinance Program</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">An updated FHA streamline refinance program offers real help for struggling Illinois homeowners.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 10/25/2012 --  Illinois mortgage lender, Allan Freitag has finally announced the release of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline Refinance" href="http://ilmortgagebroker.com">FHA Streamline Refinance</a> program which can really help struggling local homeowners since qualifying for this program is easier than ever.<br />
<br />
HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.<br />
<br />
Thankfully, a real effort has been made to assist Illinois borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.<br />
<br />
Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA home loans" href="http://www.ilmortgagebroker.com/fha_streamline_home">FHA home loans</a>.<br />
<br />
This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more Illinois homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.<br />
<br />
When asked about the new FHA streamline program benefits Allan Freitag of Presidential Preferred Funding L.L.C. said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before". <br />
<br />
What is really different about the new <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline" href="http://www.ilmortgagebroker.com/fha_streamline_home">FHA Streamline</a> refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now &apos;no-cost&apos; refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.<br />
<br />
Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://www.ilmortgagebroker.com/fha_streamline_home" href="http://www.ilmortgagebroker.com/fha_streamline_home">http://www.ilmortgagebroker.com/fha_streamline_home</a>.<br />
<br />
Visit our Facebook page<br />
<a class="extlink"  rel="nofollow noopener"  target="_blank"  title="https://www.facebook.com/IllinoisMortgageBroker" href="https://www.facebook.com/IllinoisMortgageBroker">https://www.facebook.com/IllinoisMortgageBroker</a></p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/174868">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=174868&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Thu, 25 Oct 2012 09:29:31 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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      <title>FHA Streamline Refinance Program Helps Illinois Homeowners Upside Down on Their FHA Mortgage</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Struggling Illinois homeowners now have real help available through the new FHA streamline refinance program.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 10/01/2012 --  Illinois mortgage lender, Allan Freitag is now offering a newly revamped <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA streamline refinance program" href="http://fha-streamline-help.com">FHA streamline refinance program</a> aimed at enabling even the deepest underwater or upside down homeowners to reduce their payments and enjoy current record low mortgage rates.<br />
<br />
The newly released FHA streamline mortgage no longer requires a home appraisal and offers superior savings in addition to many benefits which Illinois homeowners may not even know exist.<br />
<br />
Until the release of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline Refinance" href="http://fha-streamline-help.com">FHA Streamline Refinance</a> program, Illinois borrowers with FHA home loans have had limited opportunities to receive mortgage assistance. <br />
<br />
In addition to incredibly low interest rates and massive savings over the life of your mortgage loan, streamlined refinances offer the following benefits:<br />
<br />
- Lower Mortgage Insurance<br />
- No appraisals required<br />
- &apos;No-cost&apos; refinancing possible<br />
- Lower credit scores OK<br />
- No loan balance increase to cover loan costs<br />
- Can refinance even if &apos;underwater&apos; or &apos;upside down&apos;<br />
- Minimal paperwork<br />
<br />
The Federal Housing Administration (FHA) who insures these home loans actually has no minimum credit score requirement and requires no income verification, although each individual mortgage lender may have their own underwriting guidelines requiring a minimum credit score and additional income verification.<br />
<br />
Still, what is really different about the new streamline program is the reduction of mortgage interest for those whose original loans were endorsed on or before May 31st, 2009. According to the FHA this equates to additional savings of over $3,000 at closing and over $100 a month for the average borrower compared to the previous program.<br />
<br />
This is on top of the ongoing payment savings for a borrower, which could be thousands of dollars per year depending on the loan amount and interest rate change.<br />
<br />
Clearly, no borrower could ask for an easier mortgage program to qualify for and the savings could be quite significant, even for those who already thought they had pretty attractive rates.<br />
<br />
<a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline Specialist" href="http://fha-streamline-help.com">FHA Streamline Specialist</a>, Allan Freitag says "these FHA loans are an exciting way for people to enjoy double savings with lower monthly mortgage payments and faster equity building with the long term restructuring".<br />
<br />
Illinois property owners who currently have FHA loans can discover more information on the program and check out the 60 second eligibility form for personalized quotes and savings calculations at <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://fha-streamline-help.com" href="http://fha-streamline-help.com">http://fha-streamline-help.com</a>.</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/168482">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=168482&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Mon, 01 Oct 2012 09:00:00 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>Illinois HARP Refinancing Specialist Uses New HARP 2.0 Program to Help Seriously Underwater Illinois Homeowners Lower Their Interest Rates</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Updated HARP 2.0 government program provides refinancing options to Illinois homeowners who are living under negative equity by allowing them to refinance at lower interest rates.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 09/04/2012 --  In October 2011, Fannie Mae and Freddie Mac along with the Federal Housing Finance Agency (FHFA) announced modifications to the Home Affordable Refinance Program to make it easier for lenders to refinance mortgages in Illinois that are HARP Eligible.<br />
<br />
The Home Affordable Refinance Program is a financial aid program announced by the US federal government in 2009 to help millions of homeowners who are either near-underwater or underwater (means you have zero - or even negative - equity in your home) to refinance into a fixed loan with lower monthly payments.<br />
<br />
With the changes announced to the HARP eligibility guidelines (now called HARP 2.0), more and more homeowners are now eligible to refinance at lower interest rates.<br />
<br />
The elimination of the 125% loan-to-value for fixed rate Freddie Mac or Fannie Mae mortgages and the exclusion of appraisals for new properties where there is already a reliable Automated Valuation Model or AVM are two such major changes that help make more people eligible.<br />
<br />
The goal of the newly modified <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP 2.0" href="http://illinois-harp-help.com">HARP 2.0</a> Program is to help stabilize the real estate market and encourage more people to buy homes on loans.<br />
<br />
You May Be Eligible For A HARP Refinance If:<br />
<br />
1) Fannie Mae or Freddie Mac owned or guaranteed your home loan.<br />
<br />
2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.<br />
<br />
3) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP refinance" href="http://illinois-harp-help.com">HARP refinance</a> between March and May 2009.<br />
<br />
4) You owe more than your home is worth, or is there minimal equity in your home.<br />
<br />
5) You have been current on your mortgage for the last six months.<br />
<br />
6) You have no more than one late payment over the past 12 months.<br />
<br />
7) Your loan is not a USDA, FHA or Jumbo Mortgage.<br />
<br />
Call Allan Freitag at 847-885-2020 or visit our HARP Refinance Center and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.<br />
<br />
For Answers to Your HARP Questions: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a></p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/162112">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=162112&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Tue, 04 Sep 2012 13:14:47 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>FHA Streamline Refinance Program Helping Illinois Homeowners Reduce Interest Rates and Lower Mortgage Payments on Existing FHA Loans</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Real help for struggling Illinois homeowners is now available through the new FHA streamline refinance program.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 08/21/2012 --  Illinois mortgage lender, Allan Freitag has finally announced the release of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline Refinance" href="http://fha-streamline-refinance-help.com">FHA Streamline Refinance</a> program which can really help struggling local homeowners since qualifying for this program is easier than ever.<br />
<br />
Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA home loans" href="http://fha-streamline-refinance-help.com">FHA home loans</a>.<br />
<br />
HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.<br />
<br />
Thankfully, a real effort has been made to assist Illinois borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.<br />
<br />
This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more Illinois homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.<br />
<br />
What is really different about the new <a class="extlink"  target="_blank"  rel="nofollow noopener" title="FHA Streamline" href="http://fha-streamline-refinance-help.com">FHA Streamline</a> refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now &apos;no-cost&apos; refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.<br />
<br />
When asked about the new FHA streamline program benefits Allan Freitag of Presidential Preferred Funding L.L.C. said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before". <br />
<br />
Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://fha-streamline-refinance-help.com" href="http://fha-streamline-refinance-help.com">http://fha-streamline-refinance-help.com</a>.</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/159737">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=159737&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Tue, 21 Aug 2012 12:19:32 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>HARP 2.0 Program Allows Many Illinois Homeowners to Take Advantage of Low Refinance Rates and Lower Their Monthly Mortgage Payments</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Illinois homeowners who are living under negative equity may be able to use the HARP 2.0 government program to allow them to refinance at lower interest rates.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 07/26/2012 --  More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.<br />
<br />
The only problem is that still many Illinois homeowners don&apos;t know the program exists.<br />
<br />
Illinois mortgage originator, Allan Freitag educates his potential clients on the basics of this program at his Online <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance" href="">HARP Refinance</a> Information Center.<br />
<br />
Freitag explains that the Home Affordable Refinance Program (HARP) is a streamline refinance program created to help responsible borrowers who have continued to make their mortgage payments, but may be unable to refinance over recent years due to a decline in their home value.<br />
<br />
In October 2011, Fannie Mae and Freddie Mac along with the Federal Housing Finance Agency (FHFA) announced modifications to the Home Affordable Refinance Program to make it easier for lenders to refinance mortgages in Illinois.<br />
<br />
With the changes announced to the HARP eligibility guidelines (now called HARP 2.0), more homeowners than ever are now eligible to refinance at lower interest rates.<br />
<br />
According to Freitag, the relaxed stipulations of the <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP 2.0" href="http://illinois-harp-help.com">HARP 2.0</a> program have already resulted in a large amount of loan modifications. Those Illinois homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.<br />
<br />
You May Be Eligible For A HARP Refinance If:<br />
<br />
1) Fannie Mae or Freddie Mac owned or guaranteed your home loan.<br />
<br />
2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.<br />
<br />
3) Your mortgage is current for the last six months.<br />
<br />
4) You owe more than your home is worth, or is there minimal equity in your home.<br />
<br />
5) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP refinance" href="http://illinois-harp-help.com">HARP refinance</a> between March and May 2009.<br />
<br />
6) You have no more than one late payment over the past 12 months.<br />
<br />
7) Your loan is not an FHA, USDA or Jumbo Mortgage.<br />
<br />
Call Allan Freitag at 847-885-2020 or visit our <a class="extlink"  target="_blank"  rel="nofollow noopener" title="HARP Refinance Center" href="http://illinois-harp-help.com">HARP Refinance Center</a> and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.<br />
<br />
For Answers to Your HARP Questions: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a></p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/155301">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=155301&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Thu, 26 Jul 2012 13:23:52 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>Illinois Refinancing Expert Explains New Home Affordable Refinance Program</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Illinois Refinancing Expert Allan Freitag explains all about the revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house it worth called HARP 2.0.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.sbwire.com/">SBWIRE</a>) -- 05/22/2012 --  Help has finally arrived for Illinois home owners whose property values have dropped over the past couple of years. In order to lower costs of mortgage installments today and get a good fixed rate plan underway for repayment, many people are turning to the Home Affordable Refinance Program (HARP or HARP 2.0), also known as the Making Home Affordable Program.  <br />
<br />
However, as new information appears on government sites, people are finding the documentation to be lengthy and somewhat confusing. <br />
<br />
Allan Freitag, a Hoffman Estates, Illinois based mortgage consultant, has released a new web site at: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a> designed to remove the confusion about this latest government program.<br />
<br />
This new HARP 2.0 resource site shares details about the basics of this mortgage lending solution and answers questions like:<br />
<br />
- What are HARP loans all about, in a nutshell – in layman&apos;s terms? <br />
- What are the benefits of HARP loans? <br />
- What kind of mortgage loans can HARP funds be used for?<br />
- Do I qualify for the HARP program?<br />
- What documents do I need to bring to the lender when I apply?<br />
- And much more…<br />
<br />
The new resource site showcases pages of information to help Illinois borrowers realize that HARP loans are an ideal way for families with homes that have dropped in value to rebuild their investment, creating equity faster under a new structure.  <br />
<br />
HARP Specialist Freitag, says "readily available and with low interest rates, these HARP loans are an exciting way for people to enjoy double savings with lower monthly mortgage installment loan payments and increased equity over the long term restructuring."<br />
<br />
Allan Freitag is available for interviews and will welcome all your mortgage related questions.<br />
Call 847-885-2020 or visit <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://illinois-harp-help.com" href="http://illinois-harp-help.com">http://illinois-harp-help.com</a> to see if you qualify for this new program.</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.sbwire.com/press-releases/contact/143848">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=143848&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Tue, 22 May 2012 12:53:11 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>Illinois Refinancing Expert Explains New Home Affordable Refinance Program</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Illinois Refinancing Expert Allan Freitag explains all about the revamped  government program that provides refinancing options to homeowners who owe more on their mortgage that their house it worth called HARP 2.0.</p><p>Hoffman Estates, IL -- (<a rel="nofollow" href="http://www.releasewire.com/">ReleaseWire</a>) -- 03/26/2012 --  Help has finally arrived for Illinois home owners whose property values have dropped over the past couple of years. In order to lower costs of mortgage installments today and get a good fixed rate plan underway for repayment, many people are turning to the Home Affordable Refinance Program (HARP or HARP 2.0), also known as the Making Home Affordable Program.  <br />
<br />
However, as new information appears on government sites, people are finding the documentation to be lengthy and somewhat confusing. <br />
<br />
Allan Freitag, a Hoffman Estates, Illinois based mortgage consultant, has released a new web site at: <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://Illinois-harp-help.com" href="http://Illinois-harp-help.com">http://Illinois-harp-help.com</a> designed to remove the confusion about this latest government program.<br />
<br />
This new HARP 2.0 resource site shares details about the basics of this mortgage lending solution and answers questions like:<br />
<br />
- What are HARP loans all about, in a nutshell – in layman&apos;s terms? <br />
- What are the benefits of HARP loans? <br />
- What kind of mortgage loans can HARP funds be used for?<br />
- Do I qualify for the HARP program?<br />
- What documents do I need to bring to the lender when I apply?<br />
- And much more…<br />
<br />
The new resource site showcases pages of information to help Illinois borrowers realize that HARP loans are an ideal way for families with homes that have dropped in value to rebuild their investment, creating equity faster under a new structure.  <br />
<br />
HARP Specialist Freitag, says "readily available and with low interest rates, these HARP loans are an exciting way for people to enjoy double savings with lower monthly mortgage installment loan payments and increased equity over the long term restructuring."<br />
<br />
Allan Freitag is available for interviews and will welcome all your mortgage related questions.<br />
Call 847-885-2020 or visit <a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://Illinois-harp-help.com" href="http://Illinois-harp-help.com">http://Illinois-harp-help.com</a> to see if you qualify for this new program.</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Allan Freitag<br />Illinois Mortgage Expert<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.releasewire.com/press-releases/contact/133558">Click to Email Allan Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=133558&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Mon, 26 Mar 2012 09:45:00 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
    </item>
    <item>
      <title>Hoffman Estates, Illinois Based Mortgage Broker Reveals 3 Things Lenders Don't Want You to Know About Shopping for a Mortgage Online</title>
      <link>http://www.releasewire.com/press-releases/release-3.htm</link>
      <description><![CDATA[<div class="newsleft"><div class="newsbody"><p class="subheadline">Hoffman Estates, Illinois based Mortgage Broker Paul Freitag reveals 3 things you should watch out for when shopping for home-finance products on the Internet.
</p><p>Hoffman Estates, Illinois -- (<a rel="nofollow" href="http://www.releasewire.com/">ReleaseWire</a>) -- 04/23/2007 --   Hoffman Estates, Illinois Based Mortgage Broker Reveals 3 Things Lenders Don&apos;t Want You to Know About Shopping for a Mortgage Online<br />
<br />
Anyone who&apos;s even remotely interested in shopping for a home loan has probably paid attention to all those commercials on TV touting the ease of using any of a variety of Internet services to compare mortgage offers from the comfort of your home. You may even have tried a couple of them yourself. But Paul Freitag, a Loan Officer with Presidential Preferred Funding L.L.C., says Hoffman Estates, Illinois residents need to watch out when trying to use the Internet to do the heavy lifting for them.<br />
<br />
"Sometimes, these Internet services might work fairly well for certain people." "But the one-size-fits-all approach they offer is going to leave a lot of people with loans that aren&apos;t the best for them, or even worse, they may be shut out of the process altogether."<br />
<br />
Paul Freitag says the problem with these services is that they never really get to know anything about your financial situation other than your credit history and income level. "So basically what winds up happening is that you&apos;re reduced to a number to them. And if they don&apos;t like whatever that number is, you&apos;re out of luck."<br />
<br />
Here are three things you should watch out for when shopping for home-finance products on the Internet – things most online mortgage sites hope you ignore:<br />
<br />
*Do they take the time to find out about your unique situation, or are you just a cyber-borrower in their eyes? Most of these sites simply don&apos;t have the manpower to individually work with every borrower. So a lot of times you wind up with a bad loan simply because there was no one to check if they could have gotten you a better deal.<br />
<br />
*What do they offer people in special financial circumstances – such as the self-employed or people with damaged credit? Most of these sites don&apos;t even want to work with you unless you meet their stringent criteria.<br />
<br />
*Do they provide advice to help when choosing between loan products? Most sites simply gather offers, throw them in your lap, and pressure you to choose between them. Unless you&apos;re a pretty experienced mortgage pro, deciding on the best offer can be difficult, if not impossible.<br />
<br />
So, what&apos;s the solution? Use the Internet to educate yourself and then work with a real human being. You may not have thought about "old-fashioned" methods of finding the best deal, such as working with a mortgage broker. "But for anyone who values a real person sitting down with you and working through the process, there&apos;s no better option," says Freitag.<br />
<br />
Hoffman Estates, Illinois - based mortgage expert Paul Freitag specializes in providing information to Illinois residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.<br />
<br />
Paul Freitag is available for interviews and will welcome all your mortgage related questions.<br />
<br />
Call 847-885-2020 for a Free No-Obligation Consultation or visit:<br />
<br />
<a class="extlink"  rel="nofollow noopener"  target="_blank"  title="http://ilmortgagebroker.com" href="http://ilmortgagebroker.com">http://ilmortgagebroker.com</a><br />
</p><p>For more information on this press release visit: <a rel="nofollow" href="http://www.releasewire.com/press-releases/release-3.htm">http://www.releasewire.com/press-releases/release-3.htm</a></p></div><h2>Media Relations Contact</h2><p>Paul Freitag<br />Mortgage Consultant<br />Presidential Preferred Funding L.L.C.<br />Telephone: 847-885-2020<br />Email: <a rel="nofollow" href="http://www.releasewire.com/press-releases/contact/11718">Click to Email Paul Freitag</a><br />Web: <a rel="nofollow" href="http://www.ilmortgagebroker.com/">http://www.ilmortgagebroker.com/</a><br /></div><div><p><img src="https://cts.releasewire.com/v/?sid=11718&amp;s=f&amp;v=f" width="1" height="1" alt=""><span></span></p></div>]]></description>
      <pubDate>Mon, 23 Apr 2007 15:33:35 -0500</pubDate>
      <guid>http://www.releasewire.com/press-releases/release-3.htm</guid>
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