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	<title>FHA Mortgage Blog &#187; Mark Madsen</title>
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	<link>http://www.myfhamortgageblog.com</link>
	<description>FHA Loans - Providing Hope for Homeowners</description>
	<lastBuildDate>Thu, 02 Sep 2010 19:30:39 +0000</lastBuildDate>
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		<title>Memorial Day 2010 &#8211; Thank You</title>
		<link>http://www.myfhamortgageblog.com/2010/05/memorial-day-2010-thank-you/</link>
		<comments>http://www.myfhamortgageblog.com/2010/05/memorial-day-2010-thank-you/#comments</comments>
		<pubDate>Mon, 31 May 2010 20:02:24 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[VA Guaranteed Home Loan]]></category>
		<category><![CDATA[dustin hughes]]></category>
		<category><![CDATA[edgevolution]]></category>
		<category><![CDATA[memorial day]]></category>

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		<description><![CDATA[A sincere thank you to all who have served and sacrificed for our freedom.]]></description>
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		<title>8 Questions Your Lender Should Answer About Mortgage Rates</title>
		<link>http://www.myfhamortgageblog.com/2010/05/eight-questions-your-lender-should-be-able-to-answer-about-mortgage-rates/</link>
		<comments>http://www.myfhamortgageblog.com/2010/05/eight-questions-your-lender-should-be-able-to-answer-about-mortgage-rates/#comments</comments>
		<pubDate>Thu, 06 May 2010 05:27:58 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Fed]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[mlexplode]]></category>
		<category><![CDATA[Nevada]]></category>

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		<description><![CDATA[Simply checking online for today&#8217;s posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate.
We can preach communication, service and education all day long, but it&#8217;s our ultimate goal to earn your trust so that you can be confident [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Seven Things Your Agent Should Know About Your Mortgage Approval</title>
		<link>http://www.myfhamortgageblog.com/2010/04/seven-things-your-agent-should-know-about-your-mortgage-approval/</link>
		<comments>http://www.myfhamortgageblog.com/2010/04/seven-things-your-agent-should-know-about-your-mortgage-approval/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 17:59:03 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=682</guid>
		<description><![CDATA[While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied.
New regulation, updated disclosures, appraisal guidelines, mortgage rate pricing premiums, credit score, secondary approval layering, rescission deadlines, property type, HOA insurance [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/04/seven-things-your-agent-should-know-about-your-mortgage-approval/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Ten Credit Do&#039;s and Don&#039;ts To Bear In Mind Prior To Getting Your Mortgage Loan</title>
		<link>http://www.myfhamortgageblog.com/2010/04/ten-credit-dos-and-donts-to-bear-in-mind-prior-to-getting-your-mortgage-loan/</link>
		<comments>http://www.myfhamortgageblog.com/2010/04/ten-credit-dos-and-donts-to-bear-in-mind-prior-to-getting-your-mortgage-loan/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 16:56:12 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Basics]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[UNDERWRITING GUIDELINES]]></category>

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		<description><![CDATA[How can a fully approved loan get denied for funding after the borrower has signed loan docs?
Simple, the underwriter pulls an updated credit report to verify that there hasn&#8217;t been any new activity since original approval was issued, and the new findings kill the loan.
This generally won&#8217;t happen in a 30 day time-frame, but borrowers [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?</title>
		<link>http://www.myfhamortgageblog.com/2010/04/do-i-need-to-sell-my-home-before-i-can-qualify-for-a-new-mortgage-on-another-property/</link>
		<comments>http://www.myfhamortgageblog.com/2010/04/do-i-need-to-sell-my-home-before-i-can-qualify-for-a-new-mortgage-on-another-property/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 06:30:56 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[UNDERWRITING GUIDELINES]]></category>

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		<description><![CDATA[Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence.
Perhaps you are outgrowing your current house, or have been forced to relocate due to a job transfer?  Regardless of the motivation for keeping one property while purchasing another, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Four Possible Reasons To Refinance</title>
		<link>http://www.myfhamortgageblog.com/2010/03/four-possible-reasons-to-refinance/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/four-possible-reasons-to-refinance/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 05:30:01 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Refinance Process]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[making home affordable]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=506</guid>
		<description><![CDATA[A mortgage is generally the largest debt most homeowners have to manage.  It&#8217;s a good idea to give your personal real estate finance portfolio a check-up at least once a year.
Since there are many reasons a homeowner may choose to refinance, we&#8217;ll take a look at the four most common.
1.  Mortgage Rates Drop:
Typically, the most common reason [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How Much Can I Afford?</title>
		<link>http://www.myfhamortgageblog.com/2010/03/how-much-can-i-afford/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/how-much-can-i-afford/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 05:29:19 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Mortgage Basics]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[Nevada]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=504</guid>
		<description><![CDATA[How much mortgage money can I qualify to borrow?
This is typically the number one question mortgage professionals are  asked by new clients.
Of critical importance when considering mortgage financing:  There is  sometimes a difference between what a client ***can*** borrow and what  they ***should*** borrow.
In other words, what makes for a comfortable [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What Do Appraisers Look For When Determining A Property&#039;s Value?</title>
		<link>http://www.myfhamortgageblog.com/2010/03/what-do-appraisers-look-for-when-determining-a-propertys-value/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/what-do-appraisers-look-for-when-determining-a-propertys-value/#comments</comments>
		<pubDate>Mon, 29 Mar 2010 06:19:41 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Real Estate Appraisals]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[Real estate]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=900</guid>
		<description><![CDATA[Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property.
A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection.
However, the appraiser actually already has a good idea of the property&#8217;s value [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where Does My Earnest Money Go?</title>
		<link>http://www.myfhamortgageblog.com/2010/03/where-does-my-earnest-money-go/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/where-does-my-earnest-money-go/#comments</comments>
		<pubDate>Sun, 28 Mar 2010 20:21:45 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[Mortgage Closing Costs]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Earnest Money]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Nevada]]></category>

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		<description><![CDATA[Hey, I gave my real estate agent a $5000 Earnest Money Deposit check&#8230; Where does that money go?
A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted.
According to Wikipedia:

Earnest Money &#8211; an earnest payment (sometimes called earnest money or  simply earnest, or alternatively a good-faith deposit) [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Renting vs Buying A Home</title>
		<link>http://www.myfhamortgageblog.com/2010/03/renting-vs-buying-a-home/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/renting-vs-buying-a-home/#comments</comments>
		<pubDate>Sun, 28 Mar 2010 20:18:49 +0000</pubDate>
		<dc:creator>Mark Madsen</dc:creator>
				<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Renting]]></category>

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		<description><![CDATA[
Buying a home versus renting is a big decision that takes careful consideration.
While there are several biased sources that can make arguments for or against owning a home, we&#8217;ve found that most home buyers base their ultimate decision on emotion.
Yes, there are some tax advantages of owning real estate, as well as the potential to [...]]]></description>
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		<slash:comments>0</slash:comments>
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