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	<title>The Kunselman Team &#187; FHA Rules Changing</title>
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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>
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		<category><![CDATA[Increase in MIP]]></category>
		<category><![CDATA[Increase in Mortgage Insurance Premium]]></category>
		<category><![CDATA[MIP]]></category>
		<category><![CDATA[Mortgage Insurance Premium]]></category>
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		<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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		<title>FHA Streamline Refinance</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/fha-streamline-refinance/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/fha-streamline-refinance/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 13:26:51 +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[Beating the System]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Mortgage Refinance]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Rules Changing]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[How to Refinance My Home]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[No Cost Refinance]]></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=592</guid>
		<description><![CDATA[If you currently have an FHA Mortgage on your home, you may qualify to save hundreds of dollars on your monthly mortgage payments.  As with the Fannie Mae and Freddie Mac programs that we have been talking about for the last few months, you may not have to have an appraisal.  In addition, this program [...]]]></description>
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		<title>A New FHA Refinance Program for Struggling Home Owners</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/a-new-fha-refinance-program-for-struggling-home-owners/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/a-new-fha-refinance-program-for-struggling-home-owners/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 14:59:44 +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[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></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 Rules Changing]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[HERA]]></category>
		<category><![CDATA[Home Economic Recovery Act]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=544</guid>
		<description><![CDATA[Last Friday, HUD announced a new program designed to help home owners who have seen a drop in their home’s value.  We do not have all the details yet, but here is a quick summary of what was announced: 1.  Existing lender must be willing to write down/reduce the loan’s principle balance by at least [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Looking Back at 2009</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/looking-back-at-2009/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/looking-back-at-2009/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 13:38:07 +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[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[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Rules Changing]]></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[GFE]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Home Valuation Code of Conduct]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[MDIA]]></category>
		<category><![CDATA[Mortgage Broker Compensation]]></category>
		<category><![CDATA[Mortgage Disclosure Improvment Act]]></category>
		<category><![CDATA[Move-Up Home Buyer]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tighter Guidelines]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>
		<category><![CDATA[Truth In Lending Disclosures]]></category>
		<category><![CDATA[Yield Spread Premium]]></category>
		<category><![CDATA[YSP]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=453</guid>
		<description><![CDATA[The $8000 first time home buyer tax credit that didn’t have to be paid back is introduced. Foreclosures declined but short sales were on the rise. Stated income loans went away, making it difficult for self-employed income borrowers to get a new mortgage. New mortgage guidelines tightened up. Large investors (unless they are cash buyers) [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Don’t Wait Too Long, FHA Rules are Changing</title>
		<link>http://thekunselmanteam.com/mortgage-industry/don%e2%80%99t-wait-too-long-fha-rules-are-changing/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/don%e2%80%99t-wait-too-long-fha-rules-are-changing/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 21:29:34 +0000</pubDate>
		<dc:creator>The Kunselman Team</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Rules Changing]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tighter Guidelines]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/blog/?p=144</guid>
		<description><![CDATA[For those of you who have tried to get a mortgage done recently, you have probably realized that option are getting smaller and smaller. If you have a high loan to value (You owe almost as much as your home is worth) you may be limited to an FHA loan. This is a mortgage that [...]]]></description>
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		<slash:comments>2</slash:comments>
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