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	<title>The Kunselman Team with Envoy Mortgage, Ltd. NMLS#6666 &#187; Beating the System</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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		<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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		<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>What could I really Save?</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/what-could-i-really-save/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/what-could-i-really-save/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 20:20:08 +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[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[FHA Mortgage Refinance]]></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[Refinance]]></category>
		<category><![CDATA[Refinance Home]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=636</guid>
		<description><![CDATA[In the last couple of weeks, the mortgage industry has seen interest rates bottom out and start to move back up.  Most analysts believe that we have tested the lows and now the Fed wants to get inflation back to its target of 2% and to do so, it will start raising interest rates. Even [...]]]></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>
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		<slash:comments>0</slash:comments>
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