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	<title>The Kunselman Team &#187; Know Your Mortgage</title>
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	<link>http://thekunselmanteam.com</link>
	<description>A Blog About Mortgages, Real Estate and Uncommon Useful Knowledge</description>
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		<title>30 Year Fixed Vs 15 Year Mortgages</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/30-year-fixed-vs-15-year-mortgages/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/30-year-fixed-vs-15-year-mortgages/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 13:22:36 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=1321</guid>
		<description><![CDATA[In recent years, we have had many conversations about refinancing a mortgage with historically low rates. In these conversations we have heard a wide variety of concerns. This month, we would like to explore one of those concerns; “I don’t want to start my mortgage over by refinancing into another 30 year mortgage.” Historically, the [...]]]></description>
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		<title>Do You Owe More than Your Home is Worth?</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/do-you-owe-more-than-your-home-is-worth/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/do-you-owe-more-than-your-home-is-worth/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 18:23:37 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Industry]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=1013</guid>
		<description><![CDATA[Have you (or someone you know) seen your home’s value drop over the last few years?  Would you like to refinance your home but think you can’t because you owe more than your home is worth?  You are not alone.  Many homeowners just like you all across this country are experiencing this exact same thing.  [...]]]></description>
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		<title>Fannie Mae HomePath® Program</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/fannie-mae-homepath%c2%ae-program/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/fannie-mae-homepath%c2%ae-program/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 17:47:35 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Home Path]]></category>
		<category><![CDATA[Home Path Financing]]></category>
		<category><![CDATA[HomePath]]></category>
		<category><![CDATA[HomePath Financing]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[The Kunselman Team]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=976</guid>
		<description><![CDATA[The Kunselman Team would like to introduce you to the Fannie Mae HomePath® Program and HomePath® Financing. As one of the largest owners of mortgages, Fannie Mae currently has a lot of foreclosures on their books. If you go to www.HomePath.com you can actually look up Fannie Mae Foreclosures in your area. On the right [...]]]></description>
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		<title>The Fed Rule on Mortgage Broker Compensation</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/the-fed-rule-on-mortgage-broker-compensation/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/the-fed-rule-on-mortgage-broker-compensation/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 22:44:53 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=798</guid>
		<description><![CDATA[On April 1st, the Federal Reserve Board will put into place a series of new rules about how loan officers can be compensated when originating a new mortgage.  These new rules are misguided and deceitful to the American consumer but rather than preach about it, I thought I would just put up some funny cartoons [...]]]></description>
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		<title>FHA Annual Mortgage Insurance Premium to Increase</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/fha-annual-mortgage-insurance-premium-to-increase/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/fha-annual-mortgage-insurance-premium-to-increase/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 22:38:27 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Mortgage Refinance]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Rules Changing]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Increase in MIP]]></category>
		<category><![CDATA[Increase in Mortgage Insurance Premium]]></category>
		<category><![CDATA[MIP]]></category>
		<category><![CDATA[Mortgage Insurance Premium]]></category>
		<category><![CDATA[The Kunselman Team]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=796</guid>
		<description><![CDATA[On April 18th, the annual mortgage insurance premium is set to increase on all new FHA Mortgages to help HUD meet it’s reserve requirements set by congress.  Below is a list of the current annual mortgage insurance premiums (MIP) required by HUD/FHA. Current Market Mortgages with a term Greater than 15 Years Loan-to-Value (LTV)                 Annual [...]]]></description>
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