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	<title>FHA Mortgage Blog &#187; Mark Madsen</title>
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	<description>FHA Loans - Providing Hope for Homeowners</description>
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		<title>FHA Appraisal Reform, GFE/RESPA Changes and Broker Approval Updates</title>
		<link>http://www.myfhamortgageblog.com/2009/12/fha-appraisal-reform-gferespa-changes-and-broker-approval-updates/</link>
		<comments>http://www.myfhamortgageblog.com/2009/12/fha-appraisal-reform-gferespa-changes-and-broker-approval-updates/#comments</comments>
		<pubDate>Sat, 05 Dec 2009 22:25:16 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha appraisal]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[namb]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9638</guid>
		<description><![CDATA[

Effective January 1, 2010, HUD is requiring loan originators provide borrowers with a Standard Good Faith Estimate (GFE) that clearly discloses key loan terms and closing costs and that closing agents provide borrowers with a revised HUD-1 Settlement Statement.
There are three main areas of regulation and updates that mortgage brokers have to pay attention to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are Las Vegas REO And Short Sale Listing Agents Discriminating Against FHA Borrowers?</title>
		<link>http://www.myfhamortgageblog.com/2009/10/are-las-vegas-reo-and-short-sale-listing-agents-discriminating-against-fha-borrowers/</link>
		<comments>http://www.myfhamortgageblog.com/2009/10/are-las-vegas-reo-and-short-sale-listing-agents-discriminating-against-fha-borrowers/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 20:08:23 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[las vegas mortgage]]></category>
		<category><![CDATA[Mark Madsen]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8616</guid>
		<description><![CDATA[With a drastic reduction in Las Vegas REO and Short Sale MLS inventory, some FHA First-Time Home Buyers are dealing with agent discrimination which is making things even more challenging on getting an offer accepted and closed in time to take advantage of the $8,000 Tax Credit.
FHA and VA borrowers are often discriminated against due [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/10/are-las-vegas-reo-and-short-sale-listing-agents-discriminating-against-fha-borrowers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Mortgage Brokers Are Concerned About HUD Delegating FHA Approvals To Lenders</title>
		<link>http://www.myfhamortgageblog.com/2009/10/why-mortgage-brokers-are-concerned-about-hud-delegating-fha-approvals-to-lenders/</link>
		<comments>http://www.myfhamortgageblog.com/2009/10/why-mortgage-brokers-are-concerned-about-hud-delegating-fha-approvals-to-lenders/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 22:32:55 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8528</guid>
		<description><![CDATA[In a series of Mortgagee letters released by the FHA in September 2009, one particular announcement has caused major concern among mortgage brokers and small correspondent lenders about their ability to continue offering FHA mortgage loans due to the new licensing structure mandated by HUD.
Tony Gallegos address the main talking points and generally fears, as [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/10/why-mortgage-brokers-are-concerned-about-hud-delegating-fha-approvals-to-lenders/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Truth Behind The Media&#8217;s Perceived FHA Reserve Requirement Crisis</title>
		<link>http://www.myfhamortgageblog.com/2009/10/the-truth-behind-the-medias-perceived-fha-reserve-requirement-crisis/</link>
		<comments>http://www.myfhamortgageblog.com/2009/10/the-truth-behind-the-medias-perceived-fha-reserve-requirement-crisis/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 22:25:37 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8534</guid>
		<description><![CDATA[There has been a lot of recent news about FHA Commissioner David Stevens announcing that the FHA may see its 2% capital reserve requirement fall below the minimum level set by Congress.
The concerns of unemployment, combined with the gaining FHA market share are certainly factors that would lead most industry professionals and politicians to question [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MORTGAGEE LETTER 2009-31 &#124; Strengthening Counterparty Risk Management</title>
		<link>http://www.myfhamortgageblog.com/2009/10/mortgagee-letter-2009-31-strengthening-counterparty-risk-management/</link>
		<comments>http://www.myfhamortgageblog.com/2009/10/mortgagee-letter-2009-31-strengthening-counterparty-risk-management/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 16:25:01 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Mortgagee Letters]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8510</guid>
		<description><![CDATA[
Mortgagee Letter Summary:
HUD is changing the rules with regards to how brokers and lenders become approved to fund FHA mortgages.
While there are many concerns over the potential eligibility requirements for some of the smaller broker shops and correspondent lenders, the current FHA Commissioner, David Stevens has stated several times that he wants to create and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Video &#8211; What Is An FHA Mortgage?</title>
		<link>http://www.myfhamortgageblog.com/2009/06/video-what-is-an-fha-mortgage/</link>
		<comments>http://www.myfhamortgageblog.com/2009/06/video-what-is-an-fha-mortgage/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 03:52:25 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[USDA Rural Guaranteed Loan]]></category>
		<category><![CDATA[foreclosure]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=5364</guid>
		<description><![CDATA[
______________
FHA Frequently Asked Questions by timeline:
______________
00:00 -  What is an FHA mortgage?
01:22 -  Is there a lot of red tape with FHA mortgages?
03:17 -  What are the benefits of FHA to borrowers?
05:30 -  Does a previous bankruptcy or foreclosure prevent someone from getting an FHA loan?
06:19 -  What are the income and employment requirements to [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Home Valuation Code of Conduct (HaVoCC)</title>
		<link>http://www.myfhamortgageblog.com/2009/06/home-valuation-code-of-conduct-havocc/</link>
		<comments>http://www.myfhamortgageblog.com/2009/06/home-valuation-code-of-conduct-havocc/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 14:07:47 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=5181</guid>
		<description><![CDATA[I was recently interviewed by Brain Wargo, a business reporter from the Las Vegas Sun, about the Home Valuation Code of Conduct for a story he was writing titled &#8220;Realtors Complain About &#8216;Low Ball&#8217; Appraisals&#8221;
Realtor.org and several other National publications ran with the story as well, which proves how hot the appraisal / equity topic [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/06/home-valuation-code-of-conduct-havocc/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>New Las Vegas FHA Appraisal Guidelines April 1, 2009</title>
		<link>http://www.myfhamortgageblog.com/2009/05/new-las-vegas-fha-appraisal-guidelines-april-1-2009/</link>
		<comments>http://www.myfhamortgageblog.com/2009/05/new-las-vegas-fha-appraisal-guidelines-april-1-2009/#comments</comments>
		<pubDate>Sun, 10 May 2009 02:52:23 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=4494</guid>
		<description><![CDATA[There are new FHA Appraisal Guidelines that went into effect on April 1, 2009 that Las Vegas home buyers and sellers need to know about.
These new FHA Appraisal Guidelines are not to be confused with the recent Home Valuation Code of Conduct (HVCC) agreement that went into effect on May 1, 2009.
In order to accurately [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/05/new-las-vegas-fha-appraisal-guidelines-april-1-2009/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>How Will The Home Valuation Code of Conduct (HVCC) Impact Las Vegas FHA Loans?</title>
		<link>http://www.myfhamortgageblog.com/2009/05/how-will-the-home-valuation-code-of-conduct-hvcc-impact-las-vegas-fha-loans/</link>
		<comments>http://www.myfhamortgageblog.com/2009/05/how-will-the-home-valuation-code-of-conduct-hvcc-impact-las-vegas-fha-loans/#comments</comments>
		<pubDate>Sat, 09 May 2009 23:40:43 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=4470</guid>
		<description><![CDATA[The new Home Valuation Code of Conduct (HVCC) regulations that went into effect on May 1, 2009 will have a significant impact on Las Vegas real estate purchase and mortgage refinance transactions.
HVCC is a new agreement between the Federal Housing Finance Agency (FHFA) and the New York Attorney General&#8217;s office to help enhance the integrity [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/05/how-will-the-home-valuation-code-of-conduct-hvcc-impact-las-vegas-fha-loans/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
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		<title>Down Payment and Acceptable Sources of Borrower Funds for a Las Vegas FHA Purchase Mortgage</title>
		<link>http://www.myfhamortgageblog.com/2009/04/down-payment-and-acceptable-sources-of-borrower-funds-for-a-las-vegas-fha-purchase-mortgage/</link>
		<comments>http://www.myfhamortgageblog.com/2009/04/down-payment-and-acceptable-sources-of-borrower-funds-for-a-las-vegas-fha-purchase-mortgage/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 19:58:54 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=4258</guid>
		<description><![CDATA[FHA Mortgages are popular programs for Las Vegas First-Time Home Buyers due to the low down payment (3.5%) that is required.
This can be a little confusing for borrowers looking at foreclosure properties that have a significant amount of perceived equity, but the FHA clearly defines that the minimum down payment on a purchase transaction is [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/04/down-payment-and-acceptable-sources-of-borrower-funds-for-a-las-vegas-fha-purchase-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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