<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd"
	xmlns:media="http://search.yahoo.com/mrss/"
>

<channel>
	<title>iLoan Home Mortgage</title>
	<atom:link href="http://iloanhomemortgage.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://iloanhomemortgage.com</link>
	<description>Residential Mortgage Lending Specialists in MN, WI and CA</description>
	<lastBuildDate>Fri, 17 May 2013 22:25:07 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.5.1</generator>
<xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" />
	<copyright>Copyright © iLoan Home Mortgage 2012 </copyright>
	<managingEditor>charles@charlesdailey.com (iLoan Home Mortgage)</managingEditor>
	<webMaster>charles@charlesdailey.com (iLoan Home Mortgage)</webMaster>
	<ttl>1440</ttl>
	<image>
		<url>http://iloanhomemortgage.com/wp-content/plugins/podpress/images/powered_by_podpress.jpg</url>
		<title>iLoan Home Mortgage</title>
		<link>http://iloanhomemortgage.com</link>
		<width>144</width>
		<height>144</height>
	</image>
	<itunes:subtitle></itunes:subtitle>
	<itunes:summary>Residential Mortgage Lending Specialists in MN, WI and CA</itunes:summary>
	<itunes:keywords></itunes:keywords>
	<itunes:category text="Society &#38; Culture" />
	<itunes:author>iLoan Home Mortgage</itunes:author>
	<itunes:owner>
		<itunes:name>iLoan Home Mortgage</itunes:name>
		<itunes:email>charles@charlesdailey.com</itunes:email>
	</itunes:owner>
	<itunes:block>no</itunes:block>
	<itunes:explicit>no</itunes:explicit>
	<itunes:image href="http://iloanhomemortgage.com/wp-content/plugins/podpress/images/powered_by_podpress_large.jpg" />
		<item>
		<title>Principles of Locking or Floating Your Mortgage Rate</title>
		<link>http://iloanhomemortgage.com/uncategorized/principles-of-locking-or-floating-your-mortgage-rate/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=principles-of-locking-or-floating-your-mortgage-rate</link>
		<comments>http://iloanhomemortgage.com/uncategorized/principles-of-locking-or-floating-your-mortgage-rate/#comments</comments>
		<pubDate>Fri, 17 May 2013 22:25:07 +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[Price My Loan]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4922</guid>
		<description><![CDATA[At some point during the application process, your mortgage rate needs to be locked in.  This short video will provide you with the basics regarding &#8220;locking&#8221; or &#8220;floating.&#8221;  For more information, follow our interest rate forecasting page or call your loan officer for details.  Enjoy the show!  Charles Dailey - iLoan - NMLS ID# 79048 – [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/principles-of-locking-or-floating-your-mortgage-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tell a Veteran to Miss a Payment to Qualify for a Short Sale and You May be Up Against the CFPB</title>
		<link>http://iloanhomemortgage.com/uncategorized/tell-a-veteran-to-miss-a-payment-to-qualify-for-a-short-sale-and-you-may-be-up-against-the-cfpb/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tell-a-veteran-to-miss-a-payment-to-qualify-for-a-short-sale-and-you-may-be-up-against-the-cfpb</link>
		<comments>http://iloanhomemortgage.com/uncategorized/tell-a-veteran-to-miss-a-payment-to-qualify-for-a-short-sale-and-you-may-be-up-against-the-cfpb/#comments</comments>
		<pubDate>Sun, 05 May 2013 17:03:03 +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 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[changes]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[servicemember]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[veteran]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4916</guid>
		<description><![CDATA[Statistically, over half of the Consumer Finance Protection Bureau (CFPB) complaints to the Office of Servicemember Affairs (OSA) have to do with mortgages.&#160; Of these, 58 percent of them had to do with loan modification, mortgage collection practices or foreclosure . . . and yes . . . short sales would fall under this category.&#160; [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/tell-a-veteran-to-miss-a-payment-to-qualify-for-a-short-sale-and-you-may-be-up-against-the-cfpb/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Only 10 Reasons a Lender Needs Tax Returns for a Fannie Mae Mortgage</title>
		<link>http://iloanhomemortgage.com/uncategorized/the-only-10-reasons-a-lender-needs-tax-returns-for-a-fannie-mae-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-only-10-reasons-a-lender-needs-tax-returns-for-a-fannie-mae-mortgage</link>
		<comments>http://iloanhomemortgage.com/uncategorized/the-only-10-reasons-a-lender-needs-tax-returns-for-a-fannie-mae-mortgage/#comments</comments>
		<pubDate>Fri, 03 May 2013 17:40:36 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4901</guid>
		<description><![CDATA[Giving a pound of flesh in income and asset documentation has become the norm but it’s likely that unjustified lender paranoia has led them to ask for a bit too much of their clients.  My recent rant on this issue concerned verifying large, non-payroll deposits but now my rage has turned to the simple request [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/the-only-10-reasons-a-lender-needs-tax-returns-for-a-fannie-mae-mortgage/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Different Mortgage Types and What They Mean to Buyers and Sellers in a Competitive Market</title>
		<link>http://iloanhomemortgage.com/uncategorized/different-mortgage-types-and-what-they-mean-to-buyers-and-sellers-in-a-competitive-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=different-mortgage-types-and-what-they-mean-to-buyers-and-sellers-in-a-competitive-market</link>
		<comments>http://iloanhomemortgage.com/uncategorized/different-mortgage-types-and-what-they-mean-to-buyers-and-sellers-in-a-competitive-market/#comments</comments>
		<pubDate>Sun, 28 Apr 2013 23:05:11 +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[FHA 203K]]></category>
		<category><![CDATA[MHFA]]></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[appraisals]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[seller concessions]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4897</guid>
		<description><![CDATA[This podcast outlines the differences between Minnesota mortgage pre-approvals and how they affect purchase transactions.  Homebuyers and home sellers can learn the risks and benefits of each different type and how they relate to their transaction.  This is essential information for understanding the implications of your choice on loan type for your purchase in a [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/different-mortgage-types-and-what-they-mean-to-buyers-and-sellers-in-a-competitive-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
			<enclosure url="http://iloanhomemortgage.com/podpress_trac/feed/4897/0/financing-types-in-a-competitive-market.mp3" length="7800392" type="audio/mpeg" />
		<itunes:duration>0:43:20</itunes:duration>
		<itunes:subtitle>This podcast outlines the differences between Minnesota mortgage pre-approvals and how they affect purchase transactions.  Homebuyers and home sellers can learn the risks and benefits of each different type and how they relate to their transaction. [...]</itunes:subtitle>
		<itunes:summary>This podcast outlines the differences between Minnesota mortgage pre-approvals and how they affect purchase transactions.  Homebuyers and home sellers can learn the risks and benefits of each different type and how they relate to their transaction.  This is essential information for understanding the implications of your choice on loan type for your purchase in a seller’s market.  If you’re a seller, it’s essential for understanding the risks and advantages of accepting an offer that comes with one type of mortgage financing vs. another.

 Charles Dailey - iLoan - NMLS ID# 79048 – CA DOC, MN DOC &#38; WI DFI – 612.234.7283
The ONLY civilized way to search for homes!
The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through a lender. The FREE home finding service is provided directly to prospective homebuyers by HBM II and its real estate brokers, as part of their ordinary real estate brokerage services. HBM II, Inc. works cooperatively with other real estate agents across the United States in attempting to find ready, willing and able buyers for homes listed for sale. The role of the Preferred Loan Officer is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. (HBM II) to use when it is searching for property listings within the buyer’s search criteria.
G+</itunes:summary>
		<itunes:keywords>Borrowers, Conventional, MHFA, Realtors, Uncategorized</itunes:keywords>
		<itunes:author>charles@charlesdailey.com</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>no</itunes:block>
	</item>
		<item>
		<title>You&#8217;re A First Time Homebuyer?  So What!</title>
		<link>http://iloanhomemortgage.com/uncategorized/first-time-homebuyer-and-down-payment-assistance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=first-time-homebuyer-and-down-payment-assistance</link>
		<comments>http://iloanhomemortgage.com/uncategorized/first-time-homebuyer-and-down-payment-assistance/#comments</comments>
		<pubDate>Mon, 22 Apr 2013 03:22:02 +0000</pubDate>
		<dc:creator>Sherri Sherpy</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[MHFA]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[down payment assistance]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[MN]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4789</guid>
		<description><![CDATA[I know, my headline may be a little offensive to some, but I had to get your attention. This is going to be well worth your 4 minutes to learn a few things about first time homebuyers and first time homebuyer programs. I&#8217;m sure you have heard of Toys R Us and Babies R Us, right? [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/first-time-homebuyer-and-down-payment-assistance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dual Agency in Minnesota</title>
		<link>http://iloanhomemortgage.com/realtors/dual-agency-in-minnesota/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=dual-agency-in-minnesota</link>
		<comments>http://iloanhomemortgage.com/realtors/dual-agency-in-minnesota/#comments</comments>
		<pubDate>Sun, 21 Apr 2013 23:56:54 +0000</pubDate>
		<dc:creator>Sherri Sherpy</dc:creator>
				<category><![CDATA[Realtors]]></category>
		<category><![CDATA[dual agency]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4777</guid>
		<description><![CDATA[Reblogged: Deanna Wyman There is a commonly held belief that every Realtor’s dream is to handle both sides of a transaction-a practice known as dual agency. An unfortunate number of people are under the impression that this practice is a great idea. Well, I’m here to tell you that dual agency isn’t actually worthy of [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/realtors/dual-agency-in-minnesota/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Permanent Extension of the Private Mortgage Insurance Deduction?</title>
		<link>http://iloanhomemortgage.com/uncategorized/a-permanent-extension-of-the-private-mortgage-insurance-deduction/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=a-permanent-extension-of-the-private-mortgage-insurance-deduction</link>
		<comments>http://iloanhomemortgage.com/uncategorized/a-permanent-extension-of-the-private-mortgage-insurance-deduction/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 19:39:36 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4622</guid>
		<description><![CDATA[The tax deduction on private mortgage insurance has been bounced around like hot potato ever since 2007. The problem with the lack of predictability in tax deductibility of mortgage insurance is that when people are make&#160;decision on which of the four types of mortgage insurance they want on their loan, it’s typically with long term [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/a-permanent-extension-of-the-private-mortgage-insurance-deduction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Rental Rate: Too High, Too Low &#8211; Rent vs Own Home Calculator</title>
		<link>http://iloanhomemortgage.com/uncategorized/your-rental-rate-too-high-too-low-or-is-that-the-wrong-question/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=your-rental-rate-too-high-too-low-or-is-that-the-wrong-question</link>
		<comments>http://iloanhomemortgage.com/uncategorized/your-rental-rate-too-high-too-low-or-is-that-the-wrong-question/#comments</comments>
		<pubDate>Sun, 31 Mar 2013 20:47:42 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Rent vs Own]]></category>
		<category><![CDATA[tools]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[rent vs own]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4560</guid>
		<description><![CDATA[Every time we read an article online about taking a more analytical approach to deciding whether or not to buy a home, you’ll always get comments about how “personal” or “emotional” the decision is but if you’ve found this page, that’s not why you’re here.  You’re looking for a “left brain” experience and you’re going [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/your-rental-rate-too-high-too-low-or-is-that-the-wrong-question/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Verifying or Sourcing Large Deposits for Your Mortgage – Make Sure You’re Not Being Asked for Too Much</title>
		<link>http://iloanhomemortgage.com/uncategorized/verifying-or-sourcing-large-deposits-for-your-mortgage-make-sure-youre-not-being-asked-for-too-much/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=verifying-or-sourcing-large-deposits-for-your-mortgage-make-sure-youre-not-being-asked-for-too-much</link>
		<comments>http://iloanhomemortgage.com/uncategorized/verifying-or-sourcing-large-deposits-for-your-mortgage-make-sure-youre-not-being-asked-for-too-much/#comments</comments>
		<pubDate>Fri, 29 Mar 2013 20:05:27 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[qualify]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4540</guid>
		<description><![CDATA[In the last 4 years, an effort has been made on the part of mortgage lenders to ensure precise accuracy on income, liabilities but also on making sure that their money is really their money.&#160; Consequently they look for “Indications of Borrowed Funds.”&#160; One such indicator of potential borrowed funds is a large and irregular [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/verifying-or-sourcing-large-deposits-for-your-mortgage-make-sure-youre-not-being-asked-for-too-much/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Homebuyers: Thinking About A Lowball Offer?  Think Again.</title>
		<link>http://iloanhomemortgage.com/uncategorized/homebuyers-thinking-about-a-lowball-offer-think-again/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=homebuyers-thinking-about-a-lowball-offer-think-again</link>
		<comments>http://iloanhomemortgage.com/uncategorized/homebuyers-thinking-about-a-lowball-offer-think-again/#comments</comments>
		<pubDate>Sun, 24 Mar 2013 05:06:29 +0000</pubDate>
		<dc:creator>Sherri Sherpy</dc:creator>
				<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[MN]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4524</guid>
		<description><![CDATA[ If you are under the impression that the Minnesota real estate market is still a buyer’s market, it may be time to put away the bell bottom hip huggers and burn the flower power polyester pullover.  Okay, that may be dating back a bit too far but you get my point.  Let’s time warp to [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/homebuyers-thinking-about-a-lowball-offer-think-again/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>If You’re Going to Claim to “Owner Occupy” Your Home, You Better Mean It</title>
		<link>http://iloanhomemortgage.com/uncategorized/if-youre-going-to-claim-to-owner-occupy-your-home-you-better-mean-it/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=if-youre-going-to-claim-to-owner-occupy-your-home-you-better-mean-it</link>
		<comments>http://iloanhomemortgage.com/uncategorized/if-youre-going-to-claim-to-owner-occupy-your-home-you-better-mean-it/#comments</comments>
		<pubDate>Tue, 19 Mar 2013 04:57:56 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Licensing]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[qualify]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4519</guid>
		<description><![CDATA[More and more, people are finding that their intent to occupy a home when getting a mortgage may not mean what they think it means.&#160; More and more, loan officers are also finding out that it may not mean what they think it means.&#160; One of the Mortgage Loan Officer national testing questions asked what [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/if-youre-going-to-claim-to-owner-occupy-your-home-you-better-mean-it/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When it Comes to Your Credit Report, Be Yourself.</title>
		<link>http://iloanhomemortgage.com/uncategorized/when-it-comes-to-your-credit-report-be-yourself/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-it-comes-to-your-credit-report-be-yourself</link>
		<comments>http://iloanhomemortgage.com/uncategorized/when-it-comes-to-your-credit-report-be-yourself/#comments</comments>
		<pubDate>Sun, 24 Feb 2013 20:48:54 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Price My Loan]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4500</guid>
		<description><![CDATA[It’s important in life and in mortgage lending that you be yourself.  Accordingly, when your loan officer is presenting you and your loan application to an underwriter, you do everything you can to be as accurate and honest as possible.  You take a detailed loan application and cough up unending amounts of documentation so, . [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/when-it-comes-to-your-credit-report-be-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy a Home Now vs. Wait &#8211; Who Needs a Forecast for that?</title>
		<link>http://iloanhomemortgage.com/uncategorized/buy-a-home-now-vs-wait-who-needs-a-forecast-for-that/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buy-a-home-now-vs-wait-who-needs-a-forecast-for-that</link>
		<comments>http://iloanhomemortgage.com/uncategorized/buy-a-home-now-vs-wait-who-needs-a-forecast-for-that/#comments</comments>
		<pubDate>Tue, 19 Feb 2013 17:48:15 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Home Value Calculators]]></category>
		<category><![CDATA[Market Data]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4441</guid>
		<description><![CDATA[Charles Dailey - iLoan - NMLS ID# 79048 – CA DOC, MN DOC &#38; WI DFI – 612.234.7283 &#160; The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through a lender. The FREE home finding service is provided directly [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/buy-a-home-now-vs-wait-who-needs-a-forecast-for-that/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Requirements for Investor and Second Home Borrowers with Five to Ten Financed Properties</title>
		<link>http://iloanhomemortgage.com/uncategorized/fannie-mae-requirements-for-investor-and-second-home-borrowers-with-five-to-ten-financed-properties/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fannie-mae-requirements-for-investor-and-second-home-borrowers-with-five-to-ten-financed-properties</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fannie-mae-requirements-for-investor-and-second-home-borrowers-with-five-to-ten-financed-properties/#comments</comments>
		<pubDate>Mon, 18 Feb 2013 19:06:09 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[HomePath]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renovations]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4430</guid>
		<description><![CDATA[Most lenders will restrict the number of properties an investor can finance to a total of four properties.  This restriction was recently loosened to allow for up to ten financed properties.  There are unique restrictions regarding credit score, Loan to Value (or LTV) and reserve requirements that make getting them funded very difficult. Here are [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fannie-mae-requirements-for-investor-and-second-home-borrowers-with-five-to-ten-financed-properties/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gaining an Edge With the Best Homebuyer Education</title>
		<link>http://iloanhomemortgage.com/uncategorized/gaining-an-edge-with-the-best-homebuyer-education/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=gaining-an-edge-with-the-best-homebuyer-education</link>
		<comments>http://iloanhomemortgage.com/uncategorized/gaining-an-edge-with-the-best-homebuyer-education/#comments</comments>
		<pubDate>Sun, 10 Feb 2013 20:10:53 +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[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4398</guid>
		<description><![CDATA[This episode of the Twin Cities Real Estate Radio Show covers comprehensive homebuyer education and wraps it up in a bow called DoorSteps. Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283 The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/gaining-an-edge-with-the-best-homebuyer-education/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
			<enclosure url="http://iloanhomemortgage.com/podpress_trac/feed/4398/0/doorsteps%20podcast.mp3" length="1" type="audio/mpeg" />
		<itunes:duration>0:00:01</itunes:duration>
		<itunes:subtitle>This episode of the Twin Cities Real Estate Radio Show covers comprehensive homebuyer education and wraps it up in a bow called DoorSteps.
Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283

[...]</itunes:subtitle>
		<itunes:summary>This episode of the Twin Cities Real Estate Radio Show covers comprehensive homebuyer education and wraps it up in a bow called DoorSteps.
Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283


The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through a lender. The FREE home finding service is provided directly to prospective homebuyers by HBM II and its real estate brokers, as part of their ordinary real estate brokerage services. HBM II, Inc. works cooperatively with other real estate agents across the United States in attempting to find ready, willing and able buyers for homes listed for sale. The role of the Preferred Loan Officer is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. (HBM II) to use when it is searching for property listings within the buyer&#8217;s search criteria.

G+</itunes:summary>
		<itunes:keywords>Borrowers, Realtors, Uncategorized</itunes:keywords>
		<itunes:author>charles@charlesdailey.com</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>no</itunes:block>
	</item>
		<item>
		<title>5 Things I Wish All Homebuyers Knew Before Getting Their Mortgage</title>
		<link>http://iloanhomemortgage.com/uncategorized/5-things-i-wish-all-homebuyers-knew-before-getting-their-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=5-things-i-wish-all-homebuyers-knew-before-getting-their-mortgage</link>
		<comments>http://iloanhomemortgage.com/uncategorized/5-things-i-wish-all-homebuyers-knew-before-getting-their-mortgage/#comments</comments>
		<pubDate>Sat, 09 Feb 2013 18:00:31 +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[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4384</guid>
		<description><![CDATA[A good mortgage loan officer is like a financial psychiatrist for residential housing.  Years of training and experience are packed into our minds for the purpose of reacting correctly to buyers’ financial profiles, stories and desires.  The moral of the story?  All those years of training and experience are an empty value unless you put [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/5-things-i-wish-all-homebuyers-knew-before-getting-their-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Mortgage Insurance Tax Deduction is Back</title>
		<link>http://iloanhomemortgage.com/uncategorized/the-mortgage-insurance-tax-deduction-is-back/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-mortgage-insurance-tax-deduction-is-back</link>
		<comments>http://iloanhomemortgage.com/uncategorized/the-mortgage-insurance-tax-deduction-is-back/#comments</comments>
		<pubDate>Fri, 18 Jan 2013 22:10:40 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4316</guid>
		<description><![CDATA[A time ago, we had written about the “on again and off again” itemized deductibility of private mortgage insurance.  It’s been a real saga.  Let’s do a little history: In 2007, congress passes the Mortgage Forgiveness Debt Relief Act which allowed qualified private mortgage insurance to be wholly or partially deducted in accordance with IRS [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/the-mortgage-insurance-tax-deduction-is-back/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Minnesota Housing Mortgage Loan Programs – not just for First Time Homebuyers!</title>
		<link>http://iloanhomemortgage.com/uncategorized/new-minnesota-housing-mortgage-loan-programs-not-just-for-first-time-homebuyers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-minnesota-housing-mortgage-loan-programs-not-just-for-first-time-homebuyers</link>
		<comments>http://iloanhomemortgage.com/uncategorized/new-minnesota-housing-mortgage-loan-programs-not-just-for-first-time-homebuyers/#comments</comments>
		<pubDate>Mon, 31 Dec 2012 22:30:08 +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[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[changes]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mhfa]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4278</guid>
		<description><![CDATA[Through the Minnesota Housing Finance Agency (MFHA), the State of Minnesota offers eligible homebuyers loans with subsidized interest rates and mortgage insurance for low-to-moderate income homebuyers, that is correct, it is not just for first time homebuyers anymore! Start Up is the new Minnesota Housing statewide mortgage loan program for low-to-moderate income first-time homebuyers.  Click [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/new-minnesota-housing-mortgage-loan-programs-not-just-for-first-time-homebuyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>iLoan Puts its Money Where its Mouth is for Veterans Using VA Loans</title>
		<link>http://iloanhomemortgage.com/uncategorized/iloan-puts-its-money-where-its-mouth-is-for-veterans-using-va-loans/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=iloan-puts-its-money-where-its-mouth-is-for-veterans-using-va-loans</link>
		<comments>http://iloanhomemortgage.com/uncategorized/iloan-puts-its-money-where-its-mouth-is-for-veterans-using-va-loans/#comments</comments>
		<pubDate>Wed, 26 Dec 2012 03:22:33 +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[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[VA IRRRL]]></category>
		<category><![CDATA[VA Loans]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=4250</guid>
		<description><![CDATA[For a long time, we’ve been trying to figure out what we can do for our VA clients besides being highly trained, offering superior interest rates, and providing high-touch service.  We had talked about doing something more for some time now and finally thought we should get off our laurels and get ‘er done. For [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/iloan-puts-its-money-where-its-mouth-is-for-veterans-using-va-loans/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Developing a Lease-to-Own Market</title>
		<link>http://iloanhomemortgage.com/uncategorized/developing-a-lease-to-own-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=developing-a-lease-to-own-market</link>
		<comments>http://iloanhomemortgage.com/uncategorized/developing-a-lease-to-own-market/#comments</comments>
		<pubDate>Thu, 22 Nov 2012 16:23:24 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Lease Option]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3549</guid>
		<description><![CDATA[A lease-to-own (LTO) transaction is one in which a potential home buyer occupies the home as a tenant but has an option to purchase it within a specified period at a specified price. In exchange, the potential buyer pays a non-refundable option fee upfront plus a monthly rent. In a recent article, I noted the [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/developing-a-lease-to-own-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The MN Mortgage Financing Contingency &#8211; What it is and what it isn&#8217;t</title>
		<link>http://iloanhomemortgage.com/uncategorized/the-mn-mortgage-financing-contingency-what-it-is-and-what-it-isnt/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-mn-mortgage-financing-contingency-what-it-is-and-what-it-isnt</link>
		<comments>http://iloanhomemortgage.com/uncategorized/the-mn-mortgage-financing-contingency-what-it-is-and-what-it-isnt/#comments</comments>
		<pubDate>Wed, 17 Oct 2012 19:20:01 +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[contracts]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3529</guid>
		<description><![CDATA[The &#8220;Written Statement&#8221; of Lender Commitment is a misunderstood, under-utilized, and yet incredibly significant component of the Minnesota Association of Realtors&#8217; (MAR) Residential Purchase Agreement. Despite the almost universal acceptance of the MAR forms in MN purchase transactions, the &#8220;Written Statement&#8221; or Lender Commitment Letter component is seldom explained to a buyer or seller. The [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/the-mn-mortgage-financing-contingency-what-it-is-and-what-it-isnt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying a Home &amp; Getting a Mortgage with a H-1B Visa</title>
		<link>http://iloanhomemortgage.com/uncategorized/buying-a-home-getting-a-mortgage-with-a-h1b-visa/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buying-a-home-getting-a-mortgage-with-a-h1b-visa</link>
		<comments>http://iloanhomemortgage.com/uncategorized/buying-a-home-getting-a-mortgage-with-a-h1b-visa/#comments</comments>
		<pubDate>Mon, 08 Oct 2012 19:09:24 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3519</guid>
		<description><![CDATA[These days, any time a lender sees a square peg and a round hole, they tend to run for the hills.  In the case of homebuyers seeking a mortgage with H1B visa status, too often this is the case.  If they’d patiently take the “outside in method” of loan structuring (start with Fannie Mae/Freddie Mac, [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/buying-a-home-getting-a-mortgage-with-a-h1b-visa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Low Appraisal Challenges in a Newly Inclining Real Estate Market</title>
		<link>http://iloanhomemortgage.com/uncategorized/low-appraisal-challenges-in-a-newly-inclining-real-estate-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=low-appraisal-challenges-in-a-newly-inclining-real-estate-market</link>
		<comments>http://iloanhomemortgage.com/uncategorized/low-appraisal-challenges-in-a-newly-inclining-real-estate-market/#comments</comments>
		<pubDate>Thu, 27 Sep 2012 04:04:20 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Home Value Calculators]]></category>
		<category><![CDATA[Market Data]]></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[changes]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3503</guid>
		<description><![CDATA[After half a decade of falling home values, the real estate industry has become well versed in the language of declining markets. Buyers have learned to be skeptical, buyers’ agents have sharpened their teeth advocating for lower purchase prices and appraisers have become increasingly conservative in order to meet the demands of an equally conservative [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/low-appraisal-challenges-in-a-newly-inclining-real-estate-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Choose a Mortgage Lender When Buying Your Home</title>
		<link>http://iloanhomemortgage.com/uncategorized/how-to-choose-a-mortgage-lender-when-buying-your-home/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-choose-a-mortgage-lender-when-buying-your-home</link>
		<comments>http://iloanhomemortgage.com/uncategorized/how-to-choose-a-mortgage-lender-when-buying-your-home/#comments</comments>
		<pubDate>Sun, 23 Sep 2012 08:07:35 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Mortgage Process and Timeline]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Searching for Homes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3493</guid>
		<description><![CDATA[This episode of the Twin Cities Real Estate Radio Show covers different considerations when choosing a mortgage lender for a home purchase. Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283 The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/how-to-choose-a-mortgage-lender-when-buying-your-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
			<enclosure url="http://iloanhomemortgage.com/podpress_trac/feed/3493/0/choosingalender.mp3" length="7801040" type="audio/mpeg" />
		<itunes:duration>0:00:01</itunes:duration>
		<itunes:subtitle>This episode of the Twin Cities Real Estate Radio Show covers different considerations when choosing a mortgage lender for a home purchase.
Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283
[...]</itunes:subtitle>
		<itunes:summary>This episode of the Twin Cities Real Estate Radio Show covers different considerations when choosing a mortgage lender for a home purchase.
Charles Dailey &#8211; iLoan &#8211; NMLS ID# 79048 &#8211; CA DOC, MN DOC &#38; WI DFI &#8211; 612.234.7283


The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through a lender. The FREE home finding service is provided directly to prospective homebuyers by HBM II and its real estate brokers, as part of their ordinary real estate brokerage services. HBM II, Inc. works cooperatively with other real estate agents across the United States in attempting to find ready, willing and able buyers for homes listed for sale. The role of the Preferred Loan Officer is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. (HBM II) to use when it is searching for property listings within the buyer&#8217;s search criteria.

G+</itunes:summary>
		<itunes:keywords>Borrowers, Realtors, Uncategorized</itunes:keywords>
		<itunes:author>charles@charlesdailey.com</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>no</itunes:block>
	</item>
		<item>
		<title>Fannie Mae Tightens Condo Mortgage Underwriting. . . . Again!</title>
		<link>http://iloanhomemortgage.com/uncategorized/fannie-mae-tightens-condo-mortgage-underwriting-again/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fannie-mae-tightens-condo-mortgage-underwriting-again</link>
		<comments>http://iloanhomemortgage.com/uncategorized/fannie-mae-tightens-condo-mortgage-underwriting-again/#comments</comments>
		<pubDate>Thu, 20 Sep 2012 06:27:01 +0000</pubDate>
		<dc:creator>Charles Dailey</dc:creator>
				<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Choosing Your Mortgage]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Paperwork Needed]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[condo]]></category>
		<category><![CDATA[Condo Questionnaire]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[guideline]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[underwriting]]></category>

		<guid isPermaLink="false">http://iloanhomemortgage.com/?p=3460</guid>
		<description><![CDATA[Many would say that perhaps Fannie Mae should have become tighter on their guidelines for condos back in 2008 and now that they’re seeing recovery, start to loosen up (kind of like the private mortgage insurance companies did).  The opposite is happening as clearly Fannie Mae wants to limit their exposure to condos in their [...]]]></description>
		<wfw:commentRss>http://iloanhomemortgage.com/uncategorized/fannie-mae-tightens-condo-mortgage-underwriting-again/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

<!-- Dynamic page generated in 11.897 seconds. -->
<!-- Cached page generated by WP-Super-Cache on 2013-05-22 02:43:18 -->

<!-- Compression = gzip -->