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	<title>iLoan Home Mortgage</title>
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	<link>http://iloanhomemortgage.com</link>
	<description>Residential Mortgage Lending Specialists in MN, WI and CA</description>
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		<title>Short Sales Gaining on REO &#8211; Mortgage News Daily</title>
		<link>http://iloanhomemortgage.com/uncategorized/short-sales-gaining-on-reo-mortgage-news-daily/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=short-sales-gaining-on-reo-mortgage-news-daily</link>
		<comments>http://iloanhomemortgage.com/uncategorized/short-sales-gaining-on-reo-mortgage-news-daily/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 22:58:03 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[buying a home after a short sale]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3226</guid>
		<description><![CDATA[This article,  Short Sales Gaining on REO Sales as &#8220;Change is Afoot&#8221;, by BY JANN SWANSON does the best job of any article I&#8217;ve seen like it of defining and documenting an emerging trend.  Realtors and buyers would do well to adjust their searching, shopping and negotiating habits to conform to Jann&#8217;s observations. &#8220;A change is afoot when it comes [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying a Home After a Short Sale using a VA Mortgage</title>
		<link>http://iloanhomemortgage.com/uncategorized/buying-a-home-after-a-short-sale-using-a-va-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buying-a-home-after-a-short-sale-using-a-va-mortgage</link>
		<comments>http://iloanhomemortgage.com/uncategorized/buying-a-home-after-a-short-sale-using-a-va-mortgage/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 21:26:37 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[VA Loans]]></category>
		<category><![CDATA[buying a home after a short sale]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[veterans affairs]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3215</guid>
		<description><![CDATA[I have had a lot of people ask me about how to buy a home after a short sale using FHA financing but it’s becoming more and more common that people are considering buying a home after a short sale using financing insured by the Veteran’s Administration.  These guidelines use to be murky but the [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/buying-a-home-after-a-short-sale-using-a-va-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Say Goodbye to the Lowest Minnesota Mortgage Rates in History</title>
		<link>http://iloanhomemortgage.com/mortgage-blog/say-goodbye-to-the-lowest-mortgage-rates-in-history/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=say-goodbye-to-the-lowest-mortgage-rates-in-history</link>
		<comments>http://iloanhomemortgage.com/mortgage-blog/say-goodbye-to-the-lowest-mortgage-rates-in-history/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 19:07:36 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Interest Rate Forecasts]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3174</guid>
		<description><![CDATA[The market is at a turning point for the worse due to growing worries about inflation. While it is not a problem right now (although the consumer price index did just rise the most in 10 months), there are several strong economic factors emerging that typically lead to higher prices to the consumer and thus [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/mortgage-blog/say-goodbye-to-the-lowest-mortgage-rates-in-history/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Choose and Calculate Your Private Mortgage Insurance (PMI)</title>
		<link>http://iloanhomemortgage.com/uncategorized/how-to-choose-and-calculate-your-private-mortgage-insurance-pmi/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-choose-and-calculate-your-private-mortgage-insurance-pmi</link>
		<comments>http://iloanhomemortgage.com/uncategorized/how-to-choose-and-calculate-your-private-mortgage-insurance-pmi/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 22:30:40 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[Fixed Period ARM's]]></category>
		<category><![CDATA[Fixed Rate Mortgages]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Price My Loan]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3094</guid>
		<description><![CDATA[Saving an eighth of a percent on interest rate can save a little on your monthly payment and shopping around on closing costs can save a little on your down payment but perhaps the most overlooked and costly mistake when buying a home is not choosing the right mortgage insurance if the down payment is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Some Refinancing Borrowers Leave Money on the Table:  The Issue of Reissue Rates</title>
		<link>http://iloanhomemortgage.com/uncategorized/why-some-refinancing-borrowers-leave-money-on-the-table-the-issue-of-reissue-rates/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-some-refinancing-borrowers-leave-money-on-the-table-the-issue-of-reissue-rates</link>
		<comments>http://iloanhomemortgage.com/uncategorized/why-some-refinancing-borrowers-leave-money-on-the-table-the-issue-of-reissue-rates/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 01:15:14 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[title insurance]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3042</guid>
		<description><![CDATA[Re-Blogged with permission via: http://www.mtgprofessor.com/A%20-%20Title%20Insurance/Reissue%20Rates.html posted February 25, 2012 Ten years ago, Kenneth Harney wrote an excellent series of articles on why many refinancing borrowers pay too much for title insurance. In one article, published June 9, 2002 in the Baltimore Sun, Harney stated: &#8220;No one knows how much American homeowners lose annually by overpaying title premiums when [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/why-some-refinancing-borrowers-leave-money-on-the-table-the-issue-of-reissue-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Agency Relationships in Real Estate</title>
		<link>http://iloanhomemortgage.com/uncategorized/understanding-agency-relationships-in-real-estate/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=understanding-agency-relationships-in-real-estate</link>
		<comments>http://iloanhomemortgage.com/uncategorized/understanding-agency-relationships-in-real-estate/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 15:31:50 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3036</guid>
		<description><![CDATA[Would you hire your spouse&#8217;s Attorney in a divorce battle, or if someone brought a law suit against you would you hire the opposing side&#8217;s attorney, hell no! Then why do Home Buyers and Sellers hire Real Estate Firms without understanding the concept of &#8220;Agency?&#8221; (Who Represents Whom In Real Estate Transactions) Buying and Selling [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/understanding-agency-relationships-in-real-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy Your Home With a Low Down Payment of $100.00!</title>
		<link>http://iloanhomemortgage.com/uncategorized/buy-your-home-with-a-low-down-payment-of-100-00/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buy-your-home-with-a-low-down-payment-of-100-00</link>
		<comments>http://iloanhomemortgage.com/uncategorized/buy-your-home-with-a-low-down-payment-of-100-00/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 00:22:28 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2965</guid>
		<description><![CDATA[During the fall of 2011, all HUD owned properties that are under the jurisdiction of the Denver and Atlanta HUD Homeownership Centers are eligible for the $100.00 down payment purchase incentive.  What this means, home buyers in Minnesota, Wisconsin and the additional states under Denver &#38; Atlanta’s jurisdiction can purchase a HUD Owned Property with [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/buy-your-home-with-a-low-down-payment-of-100-00/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Friends Don’t Let Friends Use Zillow, Trulia and Yahoo Real Estate to Find Homes for Sale</title>
		<link>http://iloanhomemortgage.com/uncategorized/friends-dont-let-friends-use-zillow-trulia-and-realtor-com-to-find-homes-for-sale/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=friends-dont-let-friends-use-zillow-trulia-and-realtor-com-to-find-homes-for-sale</link>
		<comments>http://iloanhomemortgage.com/uncategorized/friends-dont-let-friends-use-zillow-trulia-and-realtor-com-to-find-homes-for-sale/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 02:55:19 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[search homes]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2858</guid>
		<description><![CDATA[If you live in MN and you want to use one of these sites to find your next home, you should know that approximately 20% of the homes for sale are not being shown to you.  Because these sites are riddled with data inaccuracies, Edina Realty decided to pull their listings from these third party [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/friends-dont-let-friends-use-zillow-trulia-and-realtor-com-to-find-homes-for-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minnesota Mortgage Refinance and Purchase Mortgage Calculators</title>
		<link>http://iloanhomemortgage.com/uncategorized/minnesota-mortgage-refinance-and-purchase-mortgage-calculators/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=minnesota-mortgage-refinance-and-purchase-mortgage-calculators</link>
		<comments>http://iloanhomemortgage.com/uncategorized/minnesota-mortgage-refinance-and-purchase-mortgage-calculators/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 23:55:35 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Price My Loan]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2852</guid>
		<description><![CDATA[You are in your jammies, its 1:00 AM and visions of new homes are dancing in your head.  How much is this going to cost?  What interest rate will you get?  Who are you gonna call?  No need, my friend…the internet has got you covered! Information is GOLDEN.  And if you are like most, you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Seller Paid Closing Costs to be Reduced</title>
		<link>http://iloanhomemortgage.com/uncategorized/fha-seller-paid-closing-costs-to-be-reduced/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fha-seller-paid-closing-costs-to-be-reduced</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fha-seller-paid-closing-costs-to-be-reduced/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 16:12:00 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[seller concessions]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2841</guid>
		<description><![CDATA[To much fanfare, FHA announced measures to better protect their insurance fund in a recent Final Ruling published in the Federal Register.  Slipped in as a footnote to this announcement was a declaration that FHA is deaf to the concerns of the real estate industry.  They are taking aim to again attempt to reduce the [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fha-seller-paid-closing-costs-to-be-reduced/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Time Homebuyers &#8211; OK, Now What?</title>
		<link>http://iloanhomemortgage.com/uncategorized/first-time-home-buyers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=first-time-home-buyers</link>
		<comments>http://iloanhomemortgage.com/uncategorized/first-time-home-buyers/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 20:40:39 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[MHFA]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mhfa]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2796</guid>
		<description><![CDATA[As a First Time Home Buyer it is like opening up a new IPad you just received from Santa.  You are excited to open the box, fire it up, but once it is out of the box you don&#8217;t even know what you don&#8217;t know about your new IPad.  The same generally apply&#8217;s to First [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know Someone Who Needs Assistance With their Mortgage Due to Unemployment?</title>
		<link>http://iloanhomemortgage.com/uncategorized/know-someone-who-needs-assistance-with-their-mortgage-due-to-unemployment/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=know-someone-who-needs-assistance-with-their-mortgage-due-to-unemployment</link>
		<comments>http://iloanhomemortgage.com/uncategorized/know-someone-who-needs-assistance-with-their-mortgage-due-to-unemployment/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 04:58:01 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[housing]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2756</guid>
		<description><![CDATA[Anyone you know struggling with mortgage payments due to unemployment? Forbearance Terms Eased for Freddie&#8217;s Borrowers Freddie Mac gave unemployed homeowners who are struggling to pay mortgages owned or guaranteed by the company a break on Friday when it eased its temporary forbearance restrictions. Effective February 1, Freddie Mac servicers will no longer need prior&#160;approval [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/know-someone-who-needs-assistance-with-their-mortgage-due-to-unemployment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Homepath Mortgage Loans…NO Appraisal, NO MI and NO Condo Certification!</title>
		<link>http://iloanhomemortgage.com/uncategorized/fannie-mae-homepath-mortgage-loans-no-appraisal-no-mi-and-no-condo-certification/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fannie-mae-homepath-mortgage-loans-no-appraisal-no-mi-and-no-condo-certification</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fannie-mae-homepath-mortgage-loans-no-appraisal-no-mi-and-no-condo-certification/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 01:45:09 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[HomePath]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[homepath]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2733</guid>
		<description><![CDATA[Fannie Mae HomePath Mortgage Loans… NO Appraisal, NO MI and NO Condo Certification! Looking for a fix up property… with mortgage financing readily available? You believe you are either a handy person when it comes to home fix up projects or maybe you know someone who is handy. Shopping for foreclosed homes seems like a [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fannie-mae-homepath-mortgage-loans-no-appraisal-no-mi-and-no-condo-certification/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Getting Prepared for Your HARP Mortgage Refinance</title>
		<link>http://iloanhomemortgage.com/uncategorized/getting-prepared-for-your-harp-mortgage-refinance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=getting-prepared-for-your-harp-mortgage-refinance</link>
		<comments>http://iloanhomemortgage.com/uncategorized/getting-prepared-for-your-harp-mortgage-refinance/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 16:56:31 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2742</guid>
		<description><![CDATA[If you&#8217;re among the more than 7 million of US home-owners who are expected to qualify under the expanded guidelines, there are several preparatory steps you need to take to ensure your application is reviewed first. Our assumption is that lenders will be absolutely DEVASTATED with new refinance applications in the coming months, underwriters will [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/getting-prepared-for-your-harp-mortgage-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Mortgage Process is Simply the Perfection of a Loan Application</title>
		<link>http://iloanhomemortgage.com/uncategorized/the-mortgage-process-is-simply-the-perfection-of-a-loan-application/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-mortgage-process-is-simply-the-perfection-of-a-loan-application</link>
		<comments>http://iloanhomemortgage.com/uncategorized/the-mortgage-process-is-simply-the-perfection-of-a-loan-application/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 19:45:02 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[process]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2713</guid>
		<description><![CDATA[Understanding the mortgage process is a constant frustration for consumers.  One can search the web and find all kinds of long articles breaking the mortgage loan process into anywhere between 6 and 9 individual steps.  Upon reading these, a consumer gets even more confused since each individual step is confusing in and of itself.  Unfortunately, [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/the-mortgage-process-is-simply-the-perfection-of-a-loan-application/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Qualify in Today’s Market? Introducing the Professor’s Mortgage Qualification Tool</title>
		<link>http://iloanhomemortgage.com/uncategorized/can-you-qualify-in-todays-market-introducing-the-professors-mortgage-qualification-tooll/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=can-you-qualify-in-todays-market-introducing-the-professors-mortgage-qualification-tooll</link>
		<comments>http://iloanhomemortgage.com/uncategorized/can-you-qualify-in-todays-market-introducing-the-professors-mortgage-qualification-tooll/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 15:07:15 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[qualify]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2453</guid>
		<description><![CDATA[Reblogged with Permission VIA: http://www.mtgprofessor.com/Qualification/About_the_Qualification_Page.html Posted October 29th, 2011 View the Mortgage Qualification Tool One major difference between the housing finance system today and the system that prevailed prior to the financial crisis is in loan underwriting &#8212; the set of rules and procedures governing who is approved for a loan and who is rejected. [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/can-you-qualify-in-todays-market-introducing-the-professors-mortgage-qualification-tooll/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae and Freddie Make Mac Move to NO Loan to Value Limit Loans on HARP</title>
		<link>http://iloanhomemortgage.com/uncategorized/fannie-mae-and-freddie-make-mac-move-to-no-loan-to-value-limit-loans-on-harp/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fannie-mae-and-freddie-make-mac-move-to-no-loan-to-value-limit-loans-on-harp</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fannie-mae-and-freddie-make-mac-move-to-no-loan-to-value-limit-loans-on-harp/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 16:48:30 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2433</guid>
		<description><![CDATA[The Federal Housing Finance Agency, with Fannie Mae and Freddie Mac, has announced a series of changes to the Home Affordable Refinance Program (HARP). This program was designed to be able to help people who were in a position of negative equity. Now, it someone is upside down on their home, there will be no [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fannie-mae-and-freddie-make-mac-move-to-no-loan-to-value-limit-loans-on-harp/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why a Home Buyer Should Set Up 3 Search Criteria When Buying a Home</title>
		<link>http://iloanhomemortgage.com/uncategorized/why-a-home-buyer-should-set-up-3-search-criteria-when-buying-a-home/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-a-home-buyer-should-set-up-3-search-criteria-when-buying-a-home</link>
		<comments>http://iloanhomemortgage.com/uncategorized/why-a-home-buyer-should-set-up-3-search-criteria-when-buying-a-home/#comments</comments>
		<pubDate>Sun, 23 Oct 2011 00:24:14 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[scouting report]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2427</guid>
		<description><![CDATA[A prospective home buyer or investor might have a clear idea of what he or she wants in the property they&#8217;ll buy but the current market brings complexities that make setting up search criteria for this purchase a little more complicated. The difference between bank-owned, short sales and person-to-person transactions bring unique elements to this [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/why-a-home-buyer-should-set-up-3-search-criteria-when-buying-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I Need to be Late on My Mortgage to Qualify for a Short Sale? &#8211; Don’t Take Yes for an Answer!</title>
		<link>http://iloanhomemortgage.com/uncategorized/do-i-need-to-be-late-my-mortgage-to-qualify-for-a-short-sale-dont-take-yes-for-an-answer/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=do-i-need-to-be-late-my-mortgage-to-qualify-for-a-short-sale-dont-take-yes-for-an-answer</link>
		<comments>http://iloanhomemortgage.com/uncategorized/do-i-need-to-be-late-my-mortgage-to-qualify-for-a-short-sale-dont-take-yes-for-an-answer/#comments</comments>
		<pubDate>Sun, 09 Oct 2011 01:57:42 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[buying a home after a short sale]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2316</guid>
		<description><![CDATA[I have a lot of people call me to get pre-qualified to purchase a home using FHA financing after a short sale. Early on, not a lot of these scenarios panned out but these days, more and more of them do. When they don’t, the number one reason is because they took bad advice from [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/do-i-need-to-be-late-my-mortgage-to-qualify-for-a-short-sale-dont-take-yes-for-an-answer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting Married?  Buying a house?  Why not use your registry for a Down Payment Registry?</title>
		<link>http://iloanhomemortgage.com/uncategorized/getting-married-buying-a-house-why-not-use-your-registry-for-a-down-payment-registry/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=getting-married-buying-a-house-why-not-use-your-registry-for-a-down-payment-registry</link>
		<comments>http://iloanhomemortgage.com/uncategorized/getting-married-buying-a-house-why-not-use-your-registry-for-a-down-payment-registry/#comments</comments>
		<pubDate>Fri, 07 Oct 2011 15:16:17 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[house]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2310</guid>
		<description><![CDATA[If you are planning on getting married soon and buying a home &#8211; then why not use your registry as a Down Payment Registry.  This is a nice way to help add to your down payment funds. FHA has a Bridal Registry Program that allows the funds you receive as wedding gifts to be used towards [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/getting-married-buying-a-house-why-not-use-your-registry-for-a-down-payment-registry/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Twin Cities Off-Leash Dog Parks &#8211; My Dog Blog</title>
		<link>http://iloanhomemortgage.com/uncategorized/twin-cities-off-leash-dog-parks-my-dog-blog/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=twin-cities-off-leash-dog-parks-my-dog-blog</link>
		<comments>http://iloanhomemortgage.com/uncategorized/twin-cities-off-leash-dog-parks-my-dog-blog/#comments</comments>
		<pubDate>Sat, 10 Sep 2011 03:14:37 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[minneapolis]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[saint paul]]></category>
		<category><![CDATA[search]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2230</guid>
		<description><![CDATA[If you’re a dog lover like I am, you don’t consider a move without contemplating neighborhood amenities for your dog. In my considerations for a move recently, I had a bit of a time trying to locate most of the off-leash dog parks in the twin cities metro area.  After collecting some information I’d thought [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/twin-cities-off-leash-dog-parks-my-dog-blog/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>MN DNR Share Great Mobile Apps for Outdoor Enthusiasts</title>
		<link>http://iloanhomemortgage.com/uncategorized/mn-dnr-share-great-mobile-apps-for-outdoor-enthusiasts/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mn-dnr-share-great-mobile-apps-for-outdoor-enthusiasts</link>
		<comments>http://iloanhomemortgage.com/uncategorized/mn-dnr-share-great-mobile-apps-for-outdoor-enthusiasts/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 18:44:10 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2225</guid>
		<description><![CDATA[The MN Department of Natural resources has release some great new mobile apps for those of you who are fishing and fall enthusiasts. You can now track MN fall colors, find MN lake information and find public access to MN lakes from your iPhone or Android phone. Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/mn-dnr-share-great-mobile-apps-for-outdoor-enthusiasts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Criteria NEEDED by all Loan Originators to quote you a rate.</title>
		<link>http://iloanhomemortgage.com/uncategorized/criteria-needed-by-all-loan-originators-to-quote-you-a-rate/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=criteria-needed-by-all-loan-originators-to-quote-you-a-rate</link>
		<comments>http://iloanhomemortgage.com/uncategorized/criteria-needed-by-all-loan-originators-to-quote-you-a-rate/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 04:17:12 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Interest Rate Forecasts]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[quote]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2203</guid>
		<description><![CDATA[The lending environment has changed. I’m sure we’ve all heard this on the radio and TV for years now… right? We also know that the Government wants to make “mortgage rates” a commodity and make it EASY to shop for. But the problem arises when someone calls up and says “whats your rate?” and truly [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/criteria-needed-by-all-loan-originators-to-quote-you-a-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA&#8217;s Short Refi Program</title>
		<link>http://iloanhomemortgage.com/uncategorized/fhas-short-refi-program/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fhas-short-refi-program</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fhas-short-refi-program/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 20:49:24 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[FHA Short Refinance]]></category>
		<category><![CDATA[Home Value Calculators]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[short refi]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2163</guid>
		<description><![CDATA[The FHA Short Refinance Program has always existed in an unofficial form but became a formal program on December 16, 2009 with Mortgagee Letter 09-52.  It was “refined” on August 6th of 2010 with Mortgagee Letter 2010-23.  It was designed to provide more mortgage options to those that owe more than their house is worth.  [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fhas-short-refi-program/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Often Do Seller’s Pay Closing Costs? . . . . . Never.</title>
		<link>http://iloanhomemortgage.com/uncategorized/how-often-do-sellers-pay-closing-costs-never/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-often-do-sellers-pay-closing-costs-never</link>
		<comments>http://iloanhomemortgage.com/uncategorized/how-often-do-sellers-pay-closing-costs-never/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 22:53:09 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[seller concessions]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2145</guid>
		<description><![CDATA[The role of closing costs in a purchase agreement can be confusing both for buyers and sellers.  In the present market, it is customary for there to be sales concessions.  A real estate sales concession can be many things including but not limited to price, repairs and yes, . . closing costs.  Asking the seller [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/how-often-do-sellers-pay-closing-costs-never/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying After a Short Sale is an Excellent Mortgage Credit Risk</title>
		<link>http://iloanhomemortgage.com/uncategorized/buying-after-a-short-sale-is-an-excellent-mortgage-credit-risk/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buying-after-a-short-sale-is-an-excellent-mortgage-credit-risk</link>
		<comments>http://iloanhomemortgage.com/uncategorized/buying-after-a-short-sale-is-an-excellent-mortgage-credit-risk/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 02:53:10 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[FHA 203b]]></category>
		<category><![CDATA[FHA Short Refinance]]></category>
		<category><![CDATA[Home Value Calculators]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[search]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2117</guid>
		<description><![CDATA[While lenders will admit that it’s technically possible to provide mortgages to homebuyers who recently had a short sale without a waiting period, most lenders are not offering this product.  Because of the complexities of the process involved with closing these loans that creates perceived risk, most lenders elect not to do them and fail [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do Credit Inquiries Hurt Your Credit Score?</title>
		<link>http://iloanhomemortgage.com/uncategorized/do-credit-inquiries-hurt-your-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=do-credit-inquiries-hurt-your-credit-score</link>
		<comments>http://iloanhomemortgage.com/uncategorized/do-credit-inquiries-hurt-your-credit-score/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 18:16:52 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[inquiries]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2112</guid>
		<description><![CDATA[Reblogged with Permission Via: http://www.mtgprofessor.com/A%20-%20Credit%20Issues/do_inquiries_hurt_your_credit.htm Posted September 18, 2000, Revised January 29, 2004, Revised November 18, 2004, November 16, 2006, March 26, 2011, August 1, 2011 Borrowers in distress often contact many lenders hoping to find one who will approve them. For this reason, multiple inquiries can have a negative impact on a consumer’s credit [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/do-credit-inquiries-hurt-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Your Mortgage Costs and Fees on Minnesota Loans</title>
		<link>http://iloanhomemortgage.com/uncategorized/understanding-your-mortgage-costs-and-fees-on-minnesota-loans/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=understanding-your-mortgage-costs-and-fees-on-minnesota-loans</link>
		<comments>http://iloanhomemortgage.com/uncategorized/understanding-your-mortgage-costs-and-fees-on-minnesota-loans/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 17:25:42 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[Price My Loan]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[rate quote]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2034</guid>
		<description><![CDATA[Mortgage fees can be difficult to understand.  Often times fees exist for things that don&#8217;t match what they are named, sometimes they are omitted or expectations can be mismanaged.  A lack of clarity, omissions and mismanaged expectations will always lead to a poor experience and worse yet, a loan that is inferior to what you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Compensating Factors: facts and myths</title>
		<link>http://iloanhomemortgage.com/uncategorized/compensating-factors-facts-and-myths/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=compensating-factors-facts-and-myths</link>
		<comments>http://iloanhomemortgage.com/uncategorized/compensating-factors-facts-and-myths/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 17:03:47 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Compensating Factors]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2095</guid>
		<description><![CDATA[Consumers are becoming more and more educated these days. Some clients even quote me guidelines. I blame myself. After all I&#8217;m the one posting these online. Believe it or not, I love educated clients. It makes my job easier. It also means their reading my posts! But for those of you savvy borrowers out there, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>So HVCC is Over? &#8211; Nope, it Still Lives On &#8211; Fannie Mae&#8217;s Appraisal Policy Broken Down</title>
		<link>http://iloanhomemortgage.com/uncategorized/hvcc-gone-no-fannie-maes-appraisal-policy-explained/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=hvcc-gone-no-fannie-maes-appraisal-policy-explained</link>
		<comments>http://iloanhomemortgage.com/uncategorized/hvcc-gone-no-fannie-maes-appraisal-policy-explained/#comments</comments>
		<pubDate>Thu, 21 Jul 2011 17:13:29 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Home Value Calculators]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Negative Equity]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=2083</guid>
		<description><![CDATA[Breaking Down Fannie Mae’s Appraisal Rules Have you heard of the Home Valuation Code of Conduct (HVCC)? If you are a lender or Realtor, of course you have. What I wanted to do with this post is breakdown Fannie Mae’s policy now that HVCC has expired. Basically the Code lives on and has been slightly [...]]]></description>
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		<slash:comments>0</slash:comments>
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