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	<title>The Kunselman Team with Envoy Mortgage, Ltd. NMLS#6666 &#187; GFE</title>
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	<description>A Blog About Mortgages, Real Estate and Uncommon Useful Knowledge</description>
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		<title>The New Good Faith Estimate 2010</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/the-new-good-faith-estimate-2010/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/the-new-good-faith-estimate-2010/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 15:02:57 +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[GFE]]></category>
		<category><![CDATA[GFE 2010]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[MDIA]]></category>
		<category><![CDATA[Mortgage Disclosure Improvment Act]]></category>
		<category><![CDATA[The Kunselman Team]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=476</guid>
		<description><![CDATA[On January 1st , 2010, HUD implemented a new disclosure designed to simplify the understanding of the cost of a loan.  The document is called GFE 2010.  Many things are different between the old Good Faith Estimates (GFE) and the new one, but here are some of the main differences. 1.  Lenders will no longer [...]]]></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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		<title>Looking Forward to 2010</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/looking-forward-to-2010/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/looking-forward-to-2010/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 13:35:57 +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[GFE]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Yield Spread Premium]]></category>
		<category><![CDATA[YSP]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=451</guid>
		<description><![CDATA[Good Faith Estimate (GFE) 2010 is introduced January 1, 2010.  Six items now required before the loan originator can provide you with a GFE: Name, Property address, Estimated Property Value, Loan Amount, Income, and Social Security Number (Credit Report). Fees locked for 10 business days from issuance of GFE.  Designed to protect the consumer from [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Interest Rate vs. APR</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/interest-rate-vs-apr/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/interest-rate-vs-apr/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 20:55:49 +0000</pubDate>
		<dc:creator>The Kunselman Team</dc:creator>
				<category><![CDATA[Know Your Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Understanding Your Mortgage]]></category>
		<category><![CDATA[Annual Percentage Rate]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Reg-Z]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[TIL]]></category>
		<category><![CDATA[Truth In Lending Disclosures]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/blog/?p=59</guid>
		<description><![CDATA[Today, The Kunselman Team is going to explain a sometimes confusing part of the mortgage process.  The differences between the interest rate and the Annual Percentage Rate (APR) can raise some questions that can be difficult to explain. Most everyone understands what their interest rate is.  It is the rate of interest that they will [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>On Your Marks, Get Set…Wait!</title>
		<link>http://thekunselmanteam.com/mortgage-industry/on-your-marks-get-set%e2%80%a6wait/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/on-your-marks-get-set%e2%80%a6wait/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 20:53:31 +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[First Time Home Buyer]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[HERA]]></category>
		<category><![CDATA[Home Economic Recovery Act]]></category>
		<category><![CDATA[Home Valuation Code of Conduct]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[MDIA]]></category>
		<category><![CDATA[Mortgage Disclosure Improvment Act]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[The Kunselman Team]]></category>
		<category><![CDATA[Tips to getting a good mortgage]]></category>
		<category><![CDATA[Truth In Lending Disclosures]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/blog/?p=54</guid>
		<description><![CDATA[Anybody that has tried to get anything done with their mortgage recently understands that things have been moving a little slow.  Well good news, the politicians in all their infinite wisdom decided that you the consumer need EVEN MORE TIME to make a proper decision about your mortgage.  The fact that on average a mortgage [...]]]></description>
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