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	<title>The Kunselman Team with Envoy Mortgage, Ltd. NMLS#6666 &#187; 1st Time Home Buyer</title>
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	<description>A Blog About Mortgages, Real Estate and Uncommon Useful Knowledge</description>
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		<title>Success Stories #3</title>
		<link>http://thekunselmanteam.com/mortgage-industry/success-stories-3/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/success-stories-3/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 22:20:02 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Success Stories]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Move-Up Home Buyer]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[Refinance Home]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=645</guid>
		<description><![CDATA[Client #1 Terry is a very successful business professional.  She makes good money but does not have a lot of free time.  Because of her hectic schedule, Terry has accumulated a lot of revolving debt and the payment on that debt was getting out of hand.  The Kunselman Team was able to help Terry out [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top 10 Reasons for Getting a New Mortgage in 2011</title>
		<link>http://thekunselmanteam.com/mortgage-industry/top-10-reasons-for-getting-a-new-mortgage-in-2011/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/top-10-reasons-for-getting-a-new-mortgage-in-2011/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 22:17:20 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Mortgage Refinance]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[How to Refinance My Home]]></category>
		<category><![CDATA[Less Interest]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Move-Up Home Buyer]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[No Cost Refinance]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Refinance Home]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=643</guid>
		<description><![CDATA[Rates are still really low. FNMA DU Refi+ and the Freddie Mac Open Access HARP programs are still around through May. You might not have to pay for an appraisal Self-employed people can still get a loan. 100% Financing is available in rural areas (Frederick/Firestone count as rural) FHA has lowered its up-front mortgage insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get the Process Started Now</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/get-the-process-started-now/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/get-the-process-started-now/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 20:28:56 +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[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Mortgage Refinance]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[How to Refinance My Home]]></category>
		<category><![CDATA[Less Interest]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[No Cost Refinance]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Refinance Home]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tighter Guidelines]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=638</guid>
		<description><![CDATA[The loan process is not what it used to be.  In the not so distant past, we used to be able to start a new refinance and get it closed within 3 weeks.  Lenders were a lot more streamlined and were staffed to handle the amount of loans they were getting. But because of new [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Should You Have Your Own REALTOR® When Buying a Home?</title>
		<link>http://thekunselmanteam.com/mortgage-industry/why-should-you-have-your-own-realtor%c2%ae-when-buying-a-home/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/why-should-you-have-your-own-realtor%c2%ae-when-buying-a-home/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 16:20:30 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[Move-Up Home Buyer]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[REALTORS®]]></category>
		<category><![CDATA[REALTOR®]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=629</guid>
		<description><![CDATA[This is a question that has come up more and more in recent months.  The interesting thing is that the biggest reason for the question is the misconceptions of what part a REALTOR® plays in the transaction. The first misconception is that if the buyer works with the seller’s agent, that they will get a [...]]]></description>
		<wfw:commentRss>http://thekunselmanteam.com/mortgage-industry/why-should-you-have-your-own-realtor%c2%ae-when-buying-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is It Still Worth it to Buy a Home without the Tax Credit?</title>
		<link>http://thekunselmanteam.com/mortgage-industry/is-it-still-worth-it-to-buy-a-home-without-the-tax-credit/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/is-it-still-worth-it-to-buy-a-home-without-the-tax-credit/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 16:15:43 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[1st Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[6500 Credit]]></category>
		<category><![CDATA[8000 credit]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[Less Interest]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Move-Up Home Buyer]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=627</guid>
		<description><![CDATA[Over the last couple of months some people have expressed disappointment about the $8,000 tax credit expiring in June. Now while it’s always nice to get money back, all is not lost.  The interest rates are now much better than they were a year ago. Let’s look at a $200K 30 year mortgage at a [...]]]></description>
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		<slash:comments>1</slash:comments>
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