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	<title>Best Mortgage and Home Loans</title>
	<link>http://www.bestmortgageandhomeloans.com</link>
	<description>Your Mortgage, My Mission</description>
	<lastBuildDate>Tue, 09 Mar 2010 02:14:29 +0000</lastBuildDate>
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		<title>Tax Credits Coming to an End</title>
		<description><![CDATA[I keep hearing wishful thinking from those who are not ready to purchase a home yet that the government will once again extend the tax credits for first time home buyers and those who are either moving up or down in a home (check the rules as not everyone will qualify).  For you, there has [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/tax-credits-coming-to-an-end/</link>
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		<title>Limited by the Numbers</title>
		<description><![CDATA[I am always amazed how some people think a loan officer can “just make the numbers work”. I’ve come to the conclusion that maybe that’s why we’re in the mess we are in right now in the mortgage business. The truth of the matter is this; no one should ever manipulate the numbers to make [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/limited-by-the-numbers/</link>
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		<title>The Good &amp; the Bad about the Fed&#8217;s Latest Rate Move</title>
		<description><![CDATA[Anytime interest rates move up most people view this is a signal of the economy getting worse. However, when rates are this low, it&#8217;s really a signal the economy is getting better and can withstand higher interest rates. To better understand it, you have to think from an investor perspective.  Making 4 to 5 % [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/the-good-the-bad-about-the-feds-latest-rate-move/</link>
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		<title>Where to Find HUD Foreclosures</title>
		<description><![CDATA[I recently met with a friend of mine who wants to start looking for a HUD foreclosure, which is a home that HUD (US Department of Housing and Urban Development) now owns due to foreclosure. My friend told me she has seen many websites that let you join free for a week or so and [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/where-to-find-hud-foreclosures/</link>
			</item>
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		<title>Home Loan Modifications</title>
		<description><![CDATA[I have received several calls over the past week in regard to home loan modifications for people that have not been able to refinance their homes due to the loan on the house being more than its current value or the current financial position has changed and they can not longer qualify for a refinance. [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/home-loan-modifications/</link>
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		<title>Not Even HUD was Ready for Their Own Changes</title>
		<description><![CDATA[Since the first of the year there has been a scramble to make sure the new regulations and paperwork is rolled out and accurate at every mortgage company and bank. The fines that will be in place and enforced are stiff so these companies are doing everything they can to make sure they comply with [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/not-even-hud-was-ready-for-their-own-changes/</link>
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		<title>How Employment and Unemployment Affects Interest Rates</title>
		<description><![CDATA[The December employment report came in relatively bond friendly.  Though unemployment came in at 10% as expected; the payroll component showed job losses of 85,000 compared to the 35,000 losses that were expected by analysts.  Though the mortgage bond market had a generally positive reaction to the report, improvements in rates were tempered by concerns [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/how-employment-and-unemployment-affects-interest-rates/</link>
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		<title>Why Should You Attend a First Time Buyer Class?</title>
		<description><![CDATA[One of the things I hear often asked in relation to THDA and other first time home owner programs is why some of these programs require you to attend a Buyer Education Class. On the surface, it would seem that they just want you to know what you are getting yourself into when purchasing a [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/why-should-you-attend-a-first-time-buyer-class/</link>
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		<title>What to Expect During the First Quarter of 2010</title>
		<description><![CDATA[Over the holidays I did some research on what most “experts” (at least that is how they cast themselves) were saying about the coming year 2010 and found a common thread that had to do with what will happen as the government starts to back out of holding the interest rates down as well as [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/what-to-expect-during-the-first-quarter-of-2010/</link>
			</item>
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		<title>The New GFE</title>
		<description><![CDATA[As of January 1,  2010 all mortgage lenders will be required to use the new Good Faith Estimate (GFE) and abide by the new disclosure regulations that accompany the new GFE. While this is different from GFE’s of the past, it is not designed as a user friendly form for the lender but a [...]]]></description>
		<link>http://www.bestmortgageandhomeloans.com/the-new-gfe/</link>
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