<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>The Kunselman Team with Envoy Mortgage, Ltd. NMLS#6666 &#187; Mortgage Disclosure Improvment Act</title>
	<atom:link href="http://thekunselmanteam.com/tag/mortgage-disclosure-improvment-act/feed/" rel="self" type="application/rss+xml" />
	<link>http://thekunselmanteam.com</link>
	<description>A Blog About Mortgages, Real Estate and Uncommon Useful Knowledge</description>
	<lastBuildDate>Fri, 18 May 2012 14:46:58 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.2</generator>
		<item>
		<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>
		<wfw:commentRss>http://thekunselmanteam.com/know-your-mortgage/the-new-good-faith-estimate-2010/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://thekunselmanteam.com/know-your-mortgage/looking-back-at-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://thekunselmanteam.com/know-your-mortgage/fewer-rules-more-common-sense-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://thekunselmanteam.com/mortgage-industry/on-your-marks-get-set%e2%80%a6wait/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fewer Rules, More Common Sense</title>
		<link>http://thekunselmanteam.com/mortgage-industry/fewer-rules-more-common-sense/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/fewer-rules-more-common-sense/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 20:48:52 +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[Uncommon Useful Knowledge]]></category>
		<category><![CDATA[1st Time Home Buyer]]></category>
		<category><![CDATA[Applying for a mortgage]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[FHA]]></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[New Mortgage]]></category>
		<category><![CDATA[Repeat Home Buyer]]></category>
		<category><![CDATA[RESPA]]></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>

		<guid isPermaLink="false">http://thekunselmanteam.com/blog/?p=52</guid>
		<description><![CDATA[The HVCC as mentioned above is just another example of good intentions gone bad.  One of the biggest problems facing our country right now is the flood of new laws being put into place.  Because of the state of the economy and incorrect opinions about what got us to this place, many politicians are creating [...]]]></description>
		<wfw:commentRss>http://thekunselmanteam.com/mortgage-industry/fewer-rules-more-common-sense/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

