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	<title>FHA Mortgage Blog &#187; Bob Rutledge</title>
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	<description>FHA Loans - Providing Hope for Homeowners</description>
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		<title>St. Louis Mo First Time Home Buyers are reaping the benefits of FHA Mortgages</title>
		<link>http://www.myfhamortgageblog.com/2009/07/st-louis-mo-first-time-home-buyers-are-reaping-the-benefits-of-fha-mortgages/</link>
		<comments>http://www.myfhamortgageblog.com/2009/07/st-louis-mo-first-time-home-buyers-are-reaping-the-benefits-of-fha-mortgages/#comments</comments>
		<pubDate>Tue, 28 Jul 2009 15:54:05 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[Down Payment Assistance]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Home Buyer Tips]]></category>
		<category><![CDATA[FHA Rules]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
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		<category><![CDATA[Missouri]]></category>
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		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=6977</guid>
		<description><![CDATA[Why It May Be A Great Time To Buy a Home in St. Louis
First Time Home Buyers in St. Louis, St. Louis County, St. Charles Missouri and the surrounding areas are experiencing an opportunity not seen in these parts for well over a decade, and all because of HUD and FHA mortgage financing. Interest rates are [...]]]></description>
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		<title>$8,000 Tax Credit &#8211; Time is Running Out for First Time Home Buyers in St. Louis</title>
		<link>http://www.myfhamortgageblog.com/2009/07/8000-tax-credit-time-is-running-out-for-first-time-home-buyers-in-st-louis/</link>
		<comments>http://www.myfhamortgageblog.com/2009/07/8000-tax-credit-time-is-running-out-for-first-time-home-buyers-in-st-louis/#comments</comments>
		<pubDate>Thu, 16 Jul 2009 20:06:22 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[8000 Tax Credit Down Payment]]></category>
		<category><![CDATA[Down Payment Assistance]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Home Buyer Tips]]></category>
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		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[st. charles]]></category>
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		<category><![CDATA[St. Louis Mortgage]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=6717</guid>
		<description><![CDATA[November 30, 2009
If you are a First Time Home Buyer in and around the St. Louis area time is quickly running out to purchase your first new home and receive that $8,000 tax credit your Uncle Sam is wanting to give you.  A Tax Credit is money that the Federal Government will GIVE to you over and above what you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Down Payment and FHA Mortgages in St. Louis</title>
		<link>http://www.myfhamortgageblog.com/2009/06/down-payment-and-fha-mortgages-in-st-louis/</link>
		<comments>http://www.myfhamortgageblog.com/2009/06/down-payment-and-fha-mortgages-in-st-louis/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 15:30:47 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[Down Payment Assistance]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[FHA Home Buyer Tips]]></category>
		<category><![CDATA[FHA Rules]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[St. Louis Mortgage]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=5602</guid>
		<description><![CDATA[The questions I receive the most often from First Time Home Buyers in and around the St. Louis area is regarding the FHA required 3.5% down payment. In many instances the First Time Home Buyers I am working with either barely have that much saved up or they don&#8217;t have anything saved up for a down payment, [...]]]></description>
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		<title>FHA Mortgages Makes a New Home Affordable in St. Louis</title>
		<link>http://www.myfhamortgageblog.com/2009/05/fha-mortgages-makes-a-new-home-affordable-in-st-louis/</link>
		<comments>http://www.myfhamortgageblog.com/2009/05/fha-mortgages-makes-a-new-home-affordable-in-st-louis/#comments</comments>
		<pubDate>Wed, 13 May 2009 19:36:51 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[$8000]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Missouri]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Pre-Approval]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[st. charles]]></category>
		<category><![CDATA[st. louis]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=4552</guid>
		<description><![CDATA[It has been a long time since I was able to make this statement; if you are currently renting you can buy a new home and not have your monthly mortgage exceed what you are paying in monthly rent. Two factors are contributing to creating a very affordable housing market for first time home buyers, [...]]]></description>
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		<title>FHA Mortgages in St. Louis &#8211; Zero Down Payment</title>
		<link>http://www.myfhamortgageblog.com/2009/03/fha-mortgages-in-st-louis-zero-down-payment/</link>
		<comments>http://www.myfhamortgageblog.com/2009/03/fha-mortgages-in-st-louis-zero-down-payment/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 23:15:54 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 Tax Credit]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Down Payment Assistance]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[FHA Home Buyer Tips]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Grant Money]]></category>
		<category><![CDATA[HUD Homes]]></category>
		<category><![CDATA[MHDC]]></category>
		<category><![CDATA[Missouri]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[st. charles]]></category>
		<category><![CDATA[st. louis]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[USDA Rural Loan]]></category>
		<category><![CDATA[VA Mortgage]]></category>
		<category><![CDATA[Zero Down Payment]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=3463</guid>
		<description><![CDATA[Many mortgage programs that allowed you to buy a new home with zero down payments have recently exited the real estate market, but in St. Louis with the help of a FHA mortgage you have many options available to you to buy your next new home without a down payment.
In fact, with an FHA mortgage it [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA and Real Estate in St. Louis is An Opportunity of a Lifetime</title>
		<link>http://www.myfhamortgageblog.com/2009/02/fha-and-real-estate-in-st-louis-is-an-opportunity-of-a-lifetime/</link>
		<comments>http://www.myfhamortgageblog.com/2009/02/fha-and-real-estate-in-st-louis-is-an-opportunity-of-a-lifetime/#comments</comments>
		<pubDate>Fri, 27 Feb 2009 22:21:14 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 Tax Credit]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[No Down Payment]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[st. louis]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=3078</guid>
		<description><![CDATA[The real estate market in St. Louis combined with the low interest rates of FHA mortgage makes buying your next new home, especially if you are a first time home buyer, an opportunity of a lifetime!
Financial wizard Warren Buffet says; &#8220;A simple rule dictates my buying: be fearful when others are greedy and be greedy when others [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA First Time Home Buyers in St. Louis</title>
		<link>http://www.myfhamortgageblog.com/2009/02/fha-first-time-home-buyers-in-st-louis/</link>
		<comments>http://www.myfhamortgageblog.com/2009/02/fha-first-time-home-buyers-in-st-louis/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 02:34:55 +0000</pubDate>
		<dc:creator>Bob Rutledge</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pre-approve]]></category>
		<category><![CDATA[st. charles]]></category>
		<category><![CDATA[st. louis]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=2818</guid>
		<description><![CDATA[ Thanks to FHA First Time Home Buyer mortgage programs, right now may be your best time to take advantage of a St. Louis or St. Charles County real estate deal.
As a 15 year veteran mortgage professional, I can&#8217;t recall a time more advantageous to buy your first home.
If I were considering becoming a first time home [...]]]></description>
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