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	<title>The Kunselman Team with Envoy Mortgage, Ltd. NMLS#6666 &#187; Tighter Guidelines</title>
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	<description>A Blog About Mortgages, Real Estate and Uncommon Useful Knowledge</description>
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		<title>Government Policies Stifle Home Sales &amp; Deflate Home Values</title>
		<link>http://thekunselmanteam.com/mortgage-industry/government-policies-stifle-home-sales-deflate-home-values/</link>
		<comments>http://thekunselmanteam.com/mortgage-industry/government-policies-stifle-home-sales-deflate-home-values/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 13:37:38 +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[TBWS]]></category>
		<category><![CDATA[Think Big Work Small]]></category>
		<category><![CDATA[Corruption]]></category>
		<category><![CDATA[Double Dip]]></category>
		<category><![CDATA[Fed Ruling on Mortgage Broker Compensation]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[NAIHP]]></category>
		<category><![CDATA[NAMB]]></category>
		<category><![CDATA[Slowing Down Our Recovery]]></category>
		<category><![CDATA[Suing the Fed]]></category>
		<category><![CDATA[Tighter Guidelines]]></category>

		<guid isPermaLink="false">http://thekunselmanteam.com/?p=792</guid>
		<description><![CDATA[The Fed Rule and many other recent Government policies and codes have essentially stifled home sales and values. NAMB and NAIHP work together to postpone or eliminate the Fed Rule regarding Loan Officer compensation. Video commenting is now available here on the TBWS Daily Show to further enhance the community experience. Catch all your real [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
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		<title>7 Things You Should Never Do When Applying for a New Mortgage</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/7-things-you-should-never-do-when-applying-for-a-new-mortgage/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/7-things-you-should-never-do-when-applying-for-a-new-mortgage/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 15:00:41 +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[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[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/uncategorized/7-things-you-should-never-do-when-applying-for-a-new-mortgage/</guid>
		<description><![CDATA[This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process. Don&#8217;t open any new credit accounts, especially buying or leasing a vehicle!  Brand new lines of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>A Working Government Program for Home Owners</title>
		<link>http://thekunselmanteam.com/know-your-mortgage/a-working-government-program-for-home-owners/</link>
		<comments>http://thekunselmanteam.com/know-your-mortgage/a-working-government-program-for-home-owners/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 15:00:59 +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[Applying for a mortgage]]></category>
		<category><![CDATA[Beating the System]]></category>
		<category><![CDATA[Difficult to Get a Mortgage]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[Getting a Mortgage]]></category>
		<category><![CDATA[HERA]]></category>
		<category><![CDATA[Home Economic Recovery Act]]></category>
		<category><![CDATA[Less Interest]]></category>
		<category><![CDATA[New Mortgage]]></category>
		<category><![CDATA[Stimulus Package]]></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=474</guid>
		<description><![CDATA[Over the last couple of years, the government has made many attempts at trying to help home owners keep there homes.  Many of these attempts have been disappointments at best or all out failures at their worst.  There are a couple of programs though that are working to help home owners lower their mortgage payments, [...]]]></description>
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		<slash:comments>9</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>
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