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	<title>FHA Mortgage Blog</title>
	<atom:link href="http://www.myfhamortgageblog.com/feed/" rel="self" type="application/rss+xml" />
	<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>San Diego FHA Changes Effective October 4th, 2010</title>
		<link>http://www.myfhamortgageblog.com/2010/09/san-diego-fha-changes-effective-october-4th-2010/</link>
		<comments>http://www.myfhamortgageblog.com/2010/09/san-diego-fha-changes-effective-october-4th-2010/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 19:30:39 +0000</pubDate>
		<dc:creator>Michael Mekler</dc:creator>
				<category><![CDATA[FHA 203k Streamline]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Mortgagee Letters]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[Mortgage Closing Costs]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[Mortgage Programs]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13820</guid>
		<description><![CDATA[It is official. The bill HR 5981 has been passed and made into law. But what exactly does that mean to people in the process of LOOKING for a home? My hope is that these points will clarify any and all of your questions:

First the great news. If you are currently looking at an FHA [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Deflation, A Very Dangerous Possibility</title>
		<link>http://www.myfhamortgageblog.com/2010/08/deflation-a-very-dangerous-possibility/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/deflation-a-very-dangerous-possibility/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 22:51:24 +0000</pubDate>
		<dc:creator>Michael Mekler</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[mortgage backed securities]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13815</guid>
		<description><![CDATA[Wikepedia defines “deflation” as:
In economics, deflation is a decrease in the general price level of goods and services.[1] Deflation occurs when the annual inflation rate falls below zero percent (a negative inflation rate), resulting in an increase in the real value of money – allowing one to buy more goods with the same amount of money. As inflation reduces the [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/deflation-a-very-dangerous-possibility/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Oregon FHA Streamline Refinance Offers Lower Payment/Interest</title>
		<link>http://www.myfhamortgageblog.com/2010/08/oregon-fha-streamline-refinance-offers-lower-paymentinterest/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/oregon-fha-streamline-refinance-offers-lower-paymentinterest/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 20:47:35 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Refinance Process]]></category>
		<category><![CDATA[FHA Mortgage Savings]]></category>
		<category><![CDATA[Lower Interest]]></category>
		<category><![CDATA[Lower Payment]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13811</guid>
		<description><![CDATA[Would you like your Oregon FHA mortgage payment to be smaller? Would you like to be paying less interest on your Oregon FHA loan? An Oregon FHA Streamline Refinance is the answer.]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/oregon-fha-streamline-refinance-offers-lower-paymentinterest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Arizona FHA Streamline Without Appraisal</title>
		<link>http://www.myfhamortgageblog.com/2010/08/arizona-fha-streamline-without-appraisal/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/arizona-fha-streamline-without-appraisal/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 18:09:00 +0000</pubDate>
		<dc:creator>Justin McHood</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline No Appraisal]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[FHA Streamline Without Appraisal]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13772</guid>
		<description><![CDATA[The <a href="http://fhastreamlinemortgage.com/2010/08/fha-streamline-refinance-without-an-appraisal/">FHA streamline without appraisal</a> program is designed to help people with an FHA loan lower their rate and not require that they get an appraisal on the property. More information about the <a href="http://www.arizonamortgageteam.com/arizona-fha-streamline/">Arizona FHA streamline refinance program</a> is also available for people living in Arizona.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA outlines &#8220;Short Refinance&#8221; program for underwater home owners</title>
		<link>http://www.myfhamortgageblog.com/2010/08/fha-outlines-short-refinance-program-for-underwater-home-owners/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/fha-outlines-short-refinance-program-for-underwater-home-owners/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 20:36:45 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Short Refinance]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13768</guid>
		<description><![CDATA[A new FHA refinance program is targeting non FHA home owners that are upside down on their mortgage equity. There is now more information from FHA about the program and how it will work.]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/fha-outlines-short-refinance-program-for-underwater-home-owners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bay Area FHA Loans after Collection, Judgment, Foreclosure and Bankruptcy</title>
		<link>http://www.myfhamortgageblog.com/2010/08/bay-area-fha-loans-after-collection-judgment-foreclosure-and-bankruptcy/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/bay-area-fha-loans-after-collection-judgment-foreclosure-and-bankruptcy/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 18:26:40 +0000</pubDate>
		<dc:creator>Shashank Shekhar</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Collection]]></category>
		<category><![CDATA[Judgment]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13766</guid>
		<description><![CDATA[
In this post I am talking about eligibility guidelines for a San Francisco Bay Area FHA Loan after you have gone through Judgment, Collection, Bankruptcy or Foreclosure.
FHA Loan after Collection and Judgment:
FHA does not require that collection accounts be paid off as a condition of mortgage approval. However, court-ordered judgments must be paid off before the mortgage [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/bay-area-fha-loans-after-collection-judgment-foreclosure-and-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Critical Changes to FHA’s Insurance Premiums &amp; How it Impacts Inland Empire Homebuyers</title>
		<link>http://www.myfhamortgageblog.com/2010/08/critical-changes-to-fha%e2%80%99s-insurance-premiums-how-it-impacts-inland-empire-homebuyers/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/critical-changes-to-fha%e2%80%99s-insurance-premiums-how-it-impacts-inland-empire-homebuyers/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 18:30:00 +0000</pubDate>
		<dc:creator>Brad Yzermans</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[- California FHA]]></category>
		<category><![CDATA[Changes]]></category>
		<category><![CDATA[Compare]]></category>
		<category><![CDATA[Corona]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Inland Empire]]></category>
		<category><![CDATA[Insurance Premium]]></category>
		<category><![CDATA[Menifee]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Murrieta]]></category>
		<category><![CDATA[Riverside]]></category>
		<category><![CDATA[Temecula]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13760</guid>
		<description><![CDATA[HUD recently announced that starting October 4th, FHA is reducing the amount to be collected for their Up Front Mortgage Insurance Premium (UFMIP). However, FHA will also increase how much they collect on their Annual Mortgage Insurance Premium (MIP – collected monthly).  How will this be impacting homebuyers in California’s Inland Empire (Riverside &#38; San Bernardino County)?
Confused? [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/critical-changes-to-fha%e2%80%99s-insurance-premiums-how-it-impacts-inland-empire-homebuyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>National Mortgage Licensing System online and ready</title>
		<link>http://www.myfhamortgageblog.com/2010/08/national-mortgage-licensing-system-online-and-ready/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/national-mortgage-licensing-system-online-and-ready/#comments</comments>
		<pubDate>Tue, 10 Aug 2010 01:05:26 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Home Loan Lender]]></category>
		<category><![CDATA[Loan Officer Licensing]]></category>
		<category><![CDATA[Mortgage Loan Officer]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13734</guid>
		<description><![CDATA[All loan officers now have to be licensed through the National Mortgage Licensing System (NMLS) and the state they are doing business in unless they work for a national bank. So, if you are working with a loan officer you should find out if they are licensed. The NMLS now has an easy way to [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/national-mortgage-licensing-system-online-and-ready/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Senate votes to increase FHA mortgage insurance rate</title>
		<link>http://www.myfhamortgageblog.com/2010/08/senate-votes-to-increase-fha-mortgage-insurance-rate/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/senate-votes-to-increase-fha-mortgage-insurance-rate/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 21:36:10 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Loans]]></category>
		<category><![CDATA[FHA Up Front Mortgage Insurance Premium]]></category>
		<category><![CDATA[mortgage insurance rates]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13726</guid>
		<description><![CDATA[Wednesday the Senate gave the Federal Housing Administration (FHA) the power to adjust its insurance premium structure as soon as the President signs it. Touted as a method to help rebuild FHA’s depleted capital reserves this change could make a huge difference in mortgage payment for FHA buyers in Eugene/Springfield.

The bill has already passed the house. The bill (H.R. [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/senate-votes-to-increase-fha-mortgage-insurance-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reduced FHA Upfront Mortgage Insurance for Bay Area First Time Home Buyers</title>
		<link>http://www.myfhamortgageblog.com/2010/08/reduced-fha-upfront-mortgage-insurance-for-bay-area-first-time-home-buyers/</link>
		<comments>http://www.myfhamortgageblog.com/2010/08/reduced-fha-upfront-mortgage-insurance-for-bay-area-first-time-home-buyers/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 07:20:50 +0000</pubDate>
		<dc:creator>Shashank Shekhar</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[FHA Upfront Mortgage Insurance Premium]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=13724</guid>
		<description><![CDATA[FHA today announced reduction in upfront Mortgage Insurance Premium (UFMIP) for SF Bay Area First Time Home Buyers and FHA Streamline Refinance on Bay Area homes.
A change that has been prompted by passage of H.R. 5981 in the congress, will reduce the upfront mortgage insurance premium to 1% from the current 2.25%. At the same [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/08/reduced-fha-upfront-mortgage-insurance-for-bay-area-first-time-home-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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