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	<title>FHA Rates, FHA Refinancing &#38; FHA Home Loan News &#187; 1st Time Home-Buyer Info</title>
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	<itunes:author>FHA Rates, FHA Refinancing &amp; FHA Home Loan News</itunes:author>
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		<title>FHA Rates, FHA Refinancing &amp; FHA Home Loan News &#187; 1st Time Home-Buyer Info</title>
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		<title>New Home Buyers Like FHA Financing</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/new-home-buyers-fha-financing/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/new-home-buyers-fha-financing/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 21:39:37 +0000</pubDate>
		<dc:creator>Francis Mae</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Finance]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=577</guid>
		<description><![CDATA[Nationwide published an interesting article that examines why FHA has been so poular with first time home buyers over the last eighty years. Since the housing market crashed in 2006, you could make the argument that FHA is the only game in town.  But as FHA picked up the slack for subprime lending that went [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>First Time Homebuyer Loans from FHA</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/first-time-homebuyer-loans-fha/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/first-time-homebuyer-loans-fha/#comments</comments>
		<pubDate>Thu, 24 Feb 2011 00:36:27 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Finance]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=442</guid>
		<description><![CDATA[Getting approved for a first time homebuyer with FHA is not as complicated as many believe.  If you are a first time homebuyer looking for a house, then there is a good chance that you don’t quite have the capital needed to put a down payment on your prospective home. Fortunately, the Federal Housing Administration [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Mortgage Rates Still Affordable</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-mortgage-rates-still-affordable/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-mortgage-rates-still-affordable/#comments</comments>
		<pubDate>Thu, 06 Jan 2011 20:16:34 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Finance]]></category>
		<category><![CDATA[FHA Home Financing]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=390</guid>
		<description><![CDATA[Reuters reported that FHA mortgage rates have fallen to their annual low and this has spurred increased FHA loan activity for first time homebuyers and homeowners who were unable to refinance in 2010.  Most finance analysts anticipate that interest rates will rise in 2011, so many U.S. consumers are rushing to lock in while FHA [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA Lenders Lowering Closing Costs</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-lenders-lowering-closing-costs/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-lenders-lowering-closing-costs/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 15:38:59 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Finance]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA closing costs]]></category>
		<category><![CDATA[FHA down payment assistance]]></category>
		<category><![CDATA[FHA home loan programs]]></category>
		<category><![CDATA[no cost streamline]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=271</guid>
		<description><![CDATA[There has been a lot of talk about FHA home loan programs in recent months.  It has been no secret that HUD has tightened FHA guidelines in an effort to stem foreclosures and FHA loan defaults nationwide.  The Federal Housing Administration already tightened the FHA streamline program so FHA customers can no longer finance closing [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Are FHA Home Loan Programs at Risk?</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/are-fha-home-loan-programs-at-risk/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/are-fha-home-loan-programs-at-risk/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 22:45:15 +0000</pubDate>
		<dc:creator>Freddie Macker</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FAQ for FHA Loans]]></category>
		<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[FHA Finance]]></category>
		<category><![CDATA[FHA First Time Home Buying]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA Requirements]]></category>
		<category><![CDATA[FHA streamline]]></category>
		<category><![CDATA[News Releases]]></category>
		<category><![CDATA[FHA home refinancing]]></category>
		<category><![CDATA[FHA Loan Programs]]></category>
		<category><![CDATA[FHA streamline refinances]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=175</guid>
		<description><![CDATA[A frequent question from loan officers and mortgage brokers is in regards to the longevity of the FHA mortgage product.  I received an email just yesterday from a FHA lender asking me the following, “Do you believe that HUD will pull the FHA loan programs for borrowers looking to refinance their home?”  Since the subprime [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Home Loans Ensure Affordable Financing for First Time Home Buyers</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-home-loans-ensure-affordable-financing-for-first-time-home-buyers/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-home-loans-ensure-affordable-financing-for-first-time-home-buyers/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 13:25:02 +0000</pubDate>
		<dc:creator>Francis Mae</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Finance]]></category>
		<category><![CDATA[FHA First Time Home Buying]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[FHA lenders]]></category>
		<category><![CDATA[FHA Loan Programs]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=164</guid>
		<description><![CDATA[Most first time home buyers do not want to come up with a 20% down-payment. FHA continues to provide low down-payment home mortgages that only require a 3.5% down payment.  According to 2010 FHA guidelines, first time home buyers and experienced home buyers a like can finance a home up to 97.5% loan to value.  [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Low Fico Borrowers Required 10% Downpayment for FHA Loans</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/low-fico-borrowers-required-10-downpayment-for-fha-loans/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/low-fico-borrowers-required-10-downpayment-for-fha-loans/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 23:47:03 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FAQ for FHA Loans]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA refinance]]></category>
		<category><![CDATA[FHA Requirements]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=146</guid>
		<description><![CDATA[FHA announced new changes to FHA loan guidelines in an effort to improve its depleted cash reserves.  A few days ago, HUD announced tighter FHA guidelines with multiple changes to FHA underwriting.  A recent article revealed that FHA requirements may actually penalize borrowers with poor credit.  The FHA Mortgage Lending Blog believes that the Federal Housing [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Credit Profiles for FHA Loan Guidelines</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/credit-profiles-for-fha-loan-guidelines/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/credit-profiles-for-fha-loan-guidelines/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 14:34:48 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FAQ for FHA Loans]]></category>
		<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=111</guid>
		<description><![CDATA[Don’t categorize FHA home loans in the subprime lending section. The credit score averages for FHA loans suggest just the opposite.  HUD released new credit score data figures indicating that the average FHA customer has a credit score of 670. HUD clearly releases the credit score information because it wants to show Wall Street and the mortgage insurance companies [...]]]></description>
		<wfw:commentRss>http://www.fhahomeloanrefinancing.com/blog/credit-profiles-for-fha-loan-guidelines/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Groups Reduce FHA Home Loan Forecast as Rates Increase</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/mortgage-groups-reduce-fha-home-loan-forecast-as-rates-increase/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/mortgage-groups-reduce-fha-home-loan-forecast-as-rates-increase/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 14:09:59 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Rate Update]]></category>
		<category><![CDATA[Mortgage Refinance Articles]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[FHA home purchase loans]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[FHA mortgage rates]]></category>
		<category><![CDATA[FHA refinance loans]]></category>
		<category><![CDATA[MBA]]></category>
		<category><![CDATA[mortgage refinancing]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=104</guid>
		<description><![CDATA[An industry group lowered their forecast for 2009 home loan originations by more than 25% as higher FHA mortgage rates stifle mortgage refinancing activity.  The Mortgage Bankers Association estimates that lenders will make $2.03 trillion in new home loans this year, down by more than $700 billion from its forecast in March.  The Washington-based group attributed $84 [...]]]></description>
		<wfw:commentRss>http://www.fhahomeloanrefinancing.com/blog/mortgage-groups-reduce-fha-home-loan-forecast-as-rates-increase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Loans Providing $8,000 Upfront to 1st Time Home Buyers</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-loans-providing-8000-upfront-to-1st-time-home-buyers/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-loans-providing-8000-upfront-to-1st-time-home-buyers/#comments</comments>
		<pubDate>Tue, 19 May 2009 16:03:23 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[1st Time Home-Buyer Info]]></category>
		<category><![CDATA[FAQ for FHA Loans]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[FHA]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=102</guid>
		<description><![CDATA[FHA loans have significantly aided homeowners, new home buyers and lending professionals during the mortgage crisis.  FHA loans continue to provide affordable home financing and fixed rate refinancing with little equity and minimal down-payments required. Nick Timiraos recently wrote an article outlining how U.S. housing officials are in the process of planning that would essentially [...]]]></description>
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		<slash:comments>1</slash:comments>
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