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	<title>Mortgage Lenders Nationwide &#187; First Time Home Buyer Loans</title>
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	<description>Lender News, VA, FHA, Jumbo &#38; Conforming Mortgage Rates, Lending Tips &#38; Intelligent Financing Dialog between Home Loan Professionals &#38; Consumers</description>
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	<itunes:summary>Lender News, VA, FHA, Jumbo &amp; Conforming Mortgage Rates, Lending Tips &amp; Intelligent Financing Dialog between Home Loan Professionals &amp; Consumers</itunes:summary>
	<itunes:author>Mortgage Lenders Nationwide</itunes:author>
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		<title>Motivating First Time Homebuyers Beyond Low Mortgage Rates</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2010/08/motivating-first-time-homebuyers-beyond-low-mortgage-rates/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2010/08/motivating-first-time-homebuyers-beyond-low-mortgage-rates/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 17:12:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial News]]></category>
		<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Published Articles]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=202</guid>
		<description><![CDATA[There are several factors that contribute to lack luster home loan activity in the summer of 2010.  Yes the tax credit for first time homebuyers expired on April 30th.  Sure that was a good incentive to drive first time homebuyers, but this is not the primary reason that home loan application volumes have been faltering [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Comparing the Pre-Approval to the Pre-Qualification for Home Buying</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2010/07/comparing-the-pre-approval-to-the-pre-qualification-for-home-buying/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2010/07/comparing-the-pre-approval-to-the-pre-qualification-for-home-buying/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 14:25:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Home Loan Guidelines]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[Home Buying Tips]]></category>
		<category><![CDATA[pre-approval letter]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=187</guid>
		<description><![CDATA[Smart Home Financing posted a helpful article that compares the pre-approval to the pre-qualification.  Many first time homebuyers find themselves confused when discussing their needs mortgage needs with a lender or broker.  The mortgage pre-approval is a written letter that includes a loan decision from the underwriting department after a borrower completes the residential loan [...]]]></description>
		<wfw:commentRss>http://www.lendersnationwide.com/blog/index.php/2010/07/comparing-the-pre-approval-to-the-pre-qualification-for-home-buying/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Revised Good Faith Estimate for Mortgage Brokers, Lenders and Loan Officers</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2009/12/revised-good-faith-estimate-for-mortgage-brokers-lenders-and-loan-officers/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2009/12/revised-good-faith-estimate-for-mortgage-brokers-lenders-and-loan-officers/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 12:17:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Mortgage Lender Tips]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=97</guid>
		<description><![CDATA[Mortgage professionals will have to get used to a new &#8220;Good Faith Estimate&#8221; to be disclosed in 2010. The U.S. Department of Housing and Urban Development (HUD) has updated and re-released “Shopping for Your FHA loan: HUD’s Settlement Cost Booklet.”  A large share of content in the 49-page publication, which helps consumers comparison-shop mortgages, addresses [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Buyers Leaving Housing Market because of High Jumbo Mortgage Rates</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2009/05/home-buyers-leaving-housing-market-because-of-high-jumbo-mortgage-rates/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2009/05/home-buyers-leaving-housing-market-because-of-high-jumbo-mortgage-rates/#comments</comments>
		<pubDate>Mon, 18 May 2009 19:58:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Mortgage Lender Discussion]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[New Lending Products]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[jumbo mortgage]]></category>
		<category><![CDATA[mortgage lenders]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=71</guid>
		<description><![CDATA[In a recent NAR survey of Realtors, the report indicated that 85% home buyers appeared to be disinterested in the higher-end real estate market because they can&#8217;t get jumbo mortgages or didn&#8217;t want to pay higher mortgage interest rates.  Although NAR&#8217;s re Regulators said the stress tests showed 10 of the nation&#8217;s 19 largest banks needed to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Low Home Mortgage Rates Have Not Lured All New Homebuyers</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2009/01/low-home-mortgage-rates-haven%e2%80%99t-lured-all-new-homebuyers/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2009/01/low-home-mortgage-rates-haven%e2%80%99t-lured-all-new-homebuyers/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 13:40:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial News]]></category>
		<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Mortgage Lender Discussion]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Home Mortgage Rates]]></category>
		<category><![CDATA[low rates]]></category>
		<category><![CDATA[mortgage refinancing]]></category>
		<category><![CDATA[new home loan]]></category>
		<category><![CDATA[New Homebuyers]]></category>
		<category><![CDATA[thirty year mortgage loan]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=56</guid>
		<description><![CDATA[In a recent article, Aleshia Howe considers the impact of low interest rates and the lack of home financing in recent weeks.  Mortgage lenders and consumers alike have watched home mortgage rates tumble to near mid-4 % range before quickly rising above than 5%. As home mortgage rates continue to flirt with 30-year lows, local [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Loan Disclosures Revised</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2008/11/mortgage-loan-disclosures-revised/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2008/11/mortgage-loan-disclosures-revised/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 07:58:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Mortgage Lender Discussion]]></category>
		<category><![CDATA[bad credit mortgages]]></category>
		<category><![CDATA[Real Estate Settlement Procedures Act]]></category>
		<category><![CDATA[standardized Good Faith Estimate]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=41</guid>
		<description><![CDATA[The U.S. Department of Housing and Urban Development released its first revision to the Real Estate Settlement Procedures Act in 30 years. The new form requires disclosure of yield spread premiums paid to mortgage brokers.  HUD claims the new loan disclosure revisions for a new standardized Good Faith Estimate that HUD estimates will save borrowers [...]]]></description>
		<wfw:commentRss>http://www.lendersnationwide.com/blog/index.php/2008/11/mortgage-loan-disclosures-revised/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State of Mortgage Brokering and Lending</title>
		<link>http://www.lendersnationwide.com/blog/index.php/2008/04/state-of-mortgage-brokering-and-lending/</link>
		<comments>http://www.lendersnationwide.com/blog/index.php/2008/04/state-of-mortgage-brokering-and-lending/#comments</comments>
		<pubDate>Tue, 29 Apr 2008 13:46:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer Loans]]></category>
		<category><![CDATA[Mortgage Lender Discussion]]></category>
		<category><![CDATA[Mortgage Lender Reviews]]></category>
		<category><![CDATA[Mortgage Lending Stories]]></category>
		<category><![CDATA[New Lending Products]]></category>
		<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Sub-Prime Mortgage Products]]></category>
		<category><![CDATA[Wholesale Broker Discussion]]></category>
		<category><![CDATA[credit line]]></category>
		<category><![CDATA[home equity credit lines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage lender]]></category>

		<guid isPermaLink="false">http://www.lendersnationwide.com/blog/?p=3</guid>
		<description><![CDATA[I heard an awful report about Citi Mortgage freezing home equity credit lines.  A mortgage lender recently reported that one of his clients heloc was frozen without notice.  Here are the facts according to mortgage banker Bryan Dornan, &#8220;The borrower was a 781, full doc borrower under 40% DTI and under 75% CLTV.  The borrower lives in San Diego [...]]]></description>
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		<slash:comments>3</slash:comments>
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