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	<title>Smart Home Financing &#187; admin</title>
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	<link>http://blog.smarthomefinancing.com</link>
	<description>100% Home Financing with Low Rates for VA, FHA Loan Programs</description>
	<lastBuildDate>Wed, 25 Aug 2010 05:43:30 +0000</lastBuildDate>
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		<title>Are No-Down-Payment Home Loans Making a Comeback with Fannie Mae?</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/08/are-no-down-payment-home-loans-making-a-comeback-with-fannie-mae/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/08/are-no-down-payment-home-loans-making-a-comeback-with-fannie-mae/#comments</comments>
		<pubDate>Wed, 25 Aug 2010 05:41:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Crisis]]></category>
		<category><![CDATA[No Money Down Loans]]></category>
		<category><![CDATA[100% home financing]]></category>
		<category><![CDATA[bad credit lender]]></category>
		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=66</guid>
		<description><![CDATA[Zero down mortgages for borrowers with bad credit did not perform well a few years ago as foreclosures, short sales and loan modification have replaced the subprime lending options. Let’s face it, 100% home financing programs have had their day in the sun.  “Buy new with $1,000 down,” the advertisement says, the words resting atop [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Thirty Year Fixed Mortgage Rates Decline</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/08/thirty-year-fixed-mortgage-rates-decline/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/08/thirty-year-fixed-mortgage-rates-decline/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 01:17:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity]]></category>
		<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rate Reports]]></category>
		<category><![CDATA[home equity rates]]></category>
		<category><![CDATA[home refinance rates]]></category>
		<category><![CDATA[thirty-year fixed home mortgage rates]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=64</guid>
		<description><![CDATA[Who would of thought a few years ago that borrwers could lock into a 4.25% fixed rate mortgage for 30 years? According to Zillow Mortgage Marketplace, mortgage rates on thirty-year fixed home mortgage rates reported 4.28% Tuesday afternoon, down from 4.38% at the same time last week.  The thirty-year fixed rate mortgages fell steadily for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Home Mortgage Demand Cools</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/07/home-mortgage-demand-cools/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/07/home-mortgage-demand-cools/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 19:04:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rate Reports]]></category>
		<category><![CDATA[30-year fixed mortgage rates]]></category>
		<category><![CDATA[home loan applications]]></category>
		<category><![CDATA[home mortgage rates]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=59</guid>
		<description><![CDATA[The Mortgage Bankers Association reported today that the demand for home mortgages cooled last week as rising home mortgage rates curbed refinance loan requests that had soared to a 14-month high. Home mortgage loan requests to buy homes rose for the second straight week to the highest level since the end of June, but hovered [...]]]></description>
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		<title>Pre-Qualification Versus Pre Approval Letter</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/07/pre-qualification-versus-pre-approval-letter/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/07/pre-qualification-versus-pre-approval-letter/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 14:18:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Financing Tips]]></category>
		<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[Loan Pre-Approval]]></category>
		<category><![CDATA[VA finance]]></category>
		<category><![CDATA[Veteran Home Financing]]></category>
		<category><![CDATA[mortgage pre-approval]]></category>
		<category><![CDATA[pre-approved home loan]]></category>
		<category><![CDATA[pre-qualification letter]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=56</guid>
		<description><![CDATA[In most cases a pre-qualification is a written letter from a mortgage lender stating that the borrower is eligible for a home mortgage loan up to a certain loan limit. (ie. Bank of America Home Loans has pre-qualified Johnny Example to buy a home up to $500,000.)  A pre-qualification letter is usually created after the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mortgage Relief For Gulf Coast Homeowners</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/06/mortgage-relief-for-gulf-coast-homeowners/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/06/mortgage-relief-for-gulf-coast-homeowners/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 19:58:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[Mortgage Crisis]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Mortgage Relief]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=54</guid>
		<description><![CDATA[Low mortgage rates and loan modification plans may not be enough mortgage relief for struggling Gulf coast borrowers.  Freddie Mac said Thursday it was invoking a mortgage relief policy for borrowers hurt by the massive oil spill in the Gulf of Mexico, echoing similar moves by sister company Fannie Mae a day earlier.  Housing expenses [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Low Home Mortgage Rates Driving Home Sales</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/06/low-home-mortgage-rates-driving-home-sales/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/06/low-home-mortgage-rates-driving-home-sales/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 16:10:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rate Reports]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[VA mortgages]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=52</guid>
		<description><![CDATA[Home mortgage rates continue to make mortgage refinancing and home buying more affordable than ever.  The home loan demand continues to rise for borrowers seeking first time home buyer loans.   Home foreclosure rates continue to break records ever quarter across the nation.  We saw a significant surge in refinance loan applications in April as the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>California VA Lender Announces Low Cost Incentives</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/05/california-va-lender-announces-low-cost-incentives/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/05/california-va-lender-announces-low-cost-incentives/#comments</comments>
		<pubDate>Sun, 23 May 2010 08:29:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[VA finance]]></category>
		<category><![CDATA[Veteran Home Financing]]></category>
		<category><![CDATA[California VA loan]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=50</guid>
		<description><![CDATA[VA Home Mortgage Loan Co.com announce a new promotion for the military in California.  According to California VA lender, any California VA loan will be originated with discounted lending fees.  Underwriting and processing fees are standard lending costs for most mortgage refinancing transactions, but for the next 30 days, California military families can save by not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Comparing VA loans to FHA Mortgage Loans</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/05/comparing-va-loans-to-fha-mortgage-loans/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/05/comparing-va-loans-to-fha-mortgage-loans/#comments</comments>
		<pubDate>Fri, 21 May 2010 18:31:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Updates]]></category>
		<category><![CDATA[Home Mortgage Articles]]></category>
		<category><![CDATA[VA finance]]></category>
		<category><![CDATA[Veteran Home Financing]]></category>
		<category><![CDATA[no money down loan]]></category>
		<category><![CDATA[VA financing]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=48</guid>
		<description><![CDATA[The government offers two popular home mortgage products, the VA loan and the FHA mortgage.  Both are great home loans, but there are significant differences and requirements top qualify.  VA Home Loan Opportunity for Military Borrowers In most cases, VA mortgage loans are offered to the military, who want to buy or refinance a house but [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Mortgage Rates Continue to Fall</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/05/home-mortgage-rates-continue-to-fall/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/05/home-mortgage-rates-continue-to-fall/#comments</comments>
		<pubDate>Fri, 21 May 2010 15:47:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rate Reports]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=46</guid>
		<description><![CDATA[Mortgage rates dropped again this week.  According to a Freddie Mac survey, the further uncertainty in Europe pushes the average home mortgage rate for a thirty-year mortgage to 4.84%.  Home loan rates continued to fall toward record lows this week as fallout from the European debt crisis.  The flat inflation also helped keep rates intact and American [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Financing Regulatory Reform Update</title>
		<link>http://blog.smarthomefinancing.com/index.php/2010/05/mortgage-financing-regulatory-reform-update/</link>
		<comments>http://blog.smarthomefinancing.com/index.php/2010/05/mortgage-financing-regulatory-reform-update/#comments</comments>
		<pubDate>Thu, 20 May 2010 13:32:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[FHA home financing]]></category>

		<guid isPermaLink="false">http://blog.smarthomefinancing.com/?p=44</guid>
		<description><![CDATA[Assistant Housing Secretary David Stevens told Senate lawmakers Thursday the Federal Housing Administration&#8217;s &#8220;elevated role&#8221; in helping ensure that home mortgage financing remains available is &#8220;temporary.&#8221;   The Federal Reserve has kept key interest rates at record lows and more often than not, mortgage lenders have extended mortgage relief efforts to help stem the foreclosure crisis.  [...]]]></description>
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