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	<title>The Kunselman Team &#187; HVCC</title>
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		<title>Welcome to Reverend Frank’s Vacation Sales Bible School…</title>
		<link>http://thekunselmanteam.com/mortgage-industry/welcome-to-reverend-frank%e2%80%99s-vacation-sales-bible-school%e2%80%a6/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/welcome-to-reverend-frank%e2%80%99s-vacation-sales-bible-school%e2%80%a6/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 12:54:27 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[TBWS]]></category>
		<category><![CDATA[Think Big Work Small]]></category>
		<category><![CDATA[Home Values]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Sales Tips]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=974</guid>
		<description><![CDATA[In today&#8217;s daily, Brian Stevens explains how HVCC is preventing any appreciating in home values.  Frank Garay preaches from Jeffrey Gitomers sales bible.  Amen! Download as PDF]]></description>
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		<title>It’s Official! You’re in the Double Dip</title>
		<link>http://thekunselmanteam.com/mortgage-industry/it%e2%80%99s-official-you%e2%80%99re-in-the-double-dip/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/it%e2%80%99s-official-you%e2%80%99re-in-the-double-dip/#comments</comments>
		<pubDate>Fri, 06 May 2011 21:40:12 +0000</pubDate>
		<dc:creator>Mortgage Master Luke</dc:creator>
				<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>
		<category><![CDATA[TBWS]]></category>
		<category><![CDATA[Think Big Work Small]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Housing Double Dip]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Restrictive Underwriting]]></category>
		<category><![CDATA[Sexy Fest]]></category>
		<category><![CDATA[Unintended Consequences]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=881</guid>
		<description><![CDATA[May 6, 2011 – It’s Official! You’re in the Double Dip. New report shows prices are now lower than our previous bottom in March of 2009. What’s the reason? Of course we know it’s all inside. Foreclosures once again slowed down due to lack of foreclosure laws firms. Freddie Mac makes a profit – FINALLY! [...]]]></description>
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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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		<title>Fewer Rules, More Common Sense 2</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/fewer-rules-more-common-sense-2/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/fewer-rules-more-common-sense-2/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 20:54:26 +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[Real Estate Industry]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Getting a Mortgage]]></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[The Kunselman Team]]></category>
		<category><![CDATA[Tighter Guidelines]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/blog/?p=56</guid>
		<description><![CDATA[If you read last month’s news letter, you might notice that the “Advice from the Mortgage Masters” article is very similar this month.  This was done intentionally because the message still rings true with this months mortgage update.  HVCC and HERA are both examples of good intentions gone bad. One of the biggest problems facing [...]]]></description>
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