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	<title>FHA Rates, FHA Refinancing &#38; FHA Home Loan News &#187; FHA loans and Credit Scores</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; FHA loans and Credit Scores</title>
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		<title>FHA Loans for Bad Credit</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-loans-for-bad-credit/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-loans-for-bad-credit/#comments</comments>
		<pubDate>Mon, 02 May 2011 20:49:16 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage Relief]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=499</guid>
		<description><![CDATA[Many people find themselves in the unfortunate situation of having bad credit. Whether it was because of past financial difficulties or just plain money mismanagement, these days you can still qualify for a home loan even if you have less than perfect credit. Home loans for bad credit do exist. The sad truth, however, is [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>FHA Lenders See Tighter FHA Guidelines and Requirements</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-lenders-see-tighter-fha-guidelines-and-requirements/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-lenders-see-tighter-fha-guidelines-and-requirements/#comments</comments>
		<pubDate>Mon, 24 May 2010 23:57:47 +0000</pubDate>
		<dc:creator>Francis Mae</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA Requirements]]></category>
		<category><![CDATA[FHA streamline]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[News Releases]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=173</guid>
		<description><![CDATA[After the subprime mortgage crash, FHA took on more lending with their FHA loan programs than any other type of home loan in the mortgage business.  FHA guidelines have always kept an open mind in that they look at the borrower rather just the borrower’s credit score.  This type of underwriting worked great when the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Are Low Rate FHA Refinance Loans Getting Better?</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/are-low-rate-fha-refinance-loans-getting-better/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/are-low-rate-fha-refinance-loans-getting-better/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 14:33:18 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA refinance]]></category>
		<category><![CDATA[FHA streamline]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[FHA Requirements]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=162</guid>
		<description><![CDATA[FHA refinance loans have helped out millions of homeowners lower their monthly mortgage payment with a fixed interest rate and no pre-payment penalty.  Even with having so many FHA loan success stories, it seems there are many unhappy mortgage brokers, borrowers and industry pundits that come off like FHA can&#8217;t do anything right.  There are several [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Tighter FHA Loan Requirements for Lenders and Borrowers</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/tighter-fha-loan-requirements-for-lenders-and-borrowers/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/tighter-fha-loan-requirements-for-lenders-and-borrowers/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 06:05:59 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA refinance]]></category>
		<category><![CDATA[FHA Requirements]]></category>
		<category><![CDATA[FHA Updates]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=155</guid>
		<description><![CDATA[The government mortgage rules are changing for FHA refinance and home purchase programs.  The Federal Housing Administration announced tightening of FHA lending requirements to reduce risk and improve its reserves. The new FHA guideline changes include: • Borrowers must pay an increased upfront mortgage insurance premium (MIP) of 2.25 % of the loan amount (increased [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Loan Changes for 2010</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-loan-changes-for-2010/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-loan-changes-for-2010/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 04:28:22 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Products]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=127</guid>
		<description><![CDATA[FHA loan defaults hit record highs this year while FHA rates hit record lows in 2009.  Loan defaults is a major reason why is HUD going to change FHA requirements in 2010.  According to a senior HUD official there are a few FHA guideline changes under consideration: Minimum down payment will rise. Currently, you only need [...]]]></description>
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		<slash:comments>2</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>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Home Refinancing Highlights</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-home-refinancing-highlights/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-home-refinancing-highlights/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 20:40:40 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<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>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[FHA mortgage lenders]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=103</guid>
		<description><![CDATA[Expanded opportunities for Fannie Mae to Fannie Mae refinance loans through Refinance Plus (manual underwriting) and DU Refi Plus.  A new solution for borrowers with LTVs above 8% who currently may not be able to refinance because of existing MI coverage requirement. Loan To Values’ up to 105% on the new loan and additional underwriting [...]]]></description>
		<wfw:commentRss>http://www.fhahomeloanrefinancing.com/blog/fha-home-refinancing-highlights/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Home Loans Costing More</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-home-loans-costing-more/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-home-loans-costing-more/#comments</comments>
		<pubDate>Tue, 21 Apr 2009 06:44:48 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<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>
		<category><![CDATA[FHA home loan]]></category>
		<category><![CDATA[FHA loan limit]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[FHA mortgage rates]]></category>
		<category><![CDATA[FHA refinance]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=100</guid>
		<description><![CDATA[The importance and value of FHA loans in the mortgage industry and real estate market should not be overlooked as HUD&#8217;s mortgages have helped finance America during some tough times. In 2006, FHA&#8217;s share of the purchase market had fallen to less than 4%.  Then the subprime mortgage crisis arose as borrowers began to default at great numbers.  The [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Loans Targeted for New Mortgage Fee Increases</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/fha-loans-targeted-for-new-mortgage-fee-increases/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/fha-loans-targeted-for-new-mortgage-fee-increases/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 16:38:51 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<category><![CDATA[FAQ for FHA Loans]]></category>
		<category><![CDATA[FHA Lender Talk]]></category>
		<category><![CDATA[FHA Loan Videos]]></category>
		<category><![CDATA[FHA loans and Credit Scores]]></category>
		<category><![CDATA[FHA Updates]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA home loan]]></category>
		<category><![CDATA[FHA loan guidelines]]></category>
		<category><![CDATA[FHA loan limits]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[FHA mortgage rates]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HUD]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=93</guid>
		<description><![CDATA[In a recent Washington Post article written by Kenneth Harney last weekend introducing new mortgage fee increases, for FHA loans and stricter down payment rules and higher credit score requirements from HUD, Fannie Mae and Freddie Mac as soon as April 1st.  According to the article, &#8220;Most major FHA mortgage lenders are already pricing in these higher fees, [...]]]></description>
		<wfw:commentRss>http://www.fhahomeloanrefinancing.com/blog/fha-loans-targeted-for-new-mortgage-fee-increases/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Loan Professionals Wait for Mortgage Rates to Drop Again</title>
		<link>http://www.fhahomeloanrefinancing.com/blog/mortgage-loan-professionals-wait-for-mortgage-rates-to-drop-again/</link>
		<comments>http://www.fhahomeloanrefinancing.com/blog/mortgage-loan-professionals-wait-for-mortgage-rates-to-drop-again/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 06:28:13 +0000</pubDate>
		<dc:creator>FHA Loan Expert</dc:creator>
				<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 Rate Update]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[cash out refinance]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[FHA lenders]]></category>
		<category><![CDATA[FHA loan guidelines]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[home refinancing]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage refinancing]]></category>

		<guid isPermaLink="false">http://www.fhahomeloanrefinancing.com/blog/?p=90</guid>
		<description><![CDATA[FHA home loans will be the only opportunity for non-prime refinancing, but even the FHA loan guidelines are tighter in 2009.  HUD requires 2 full URAR appraisals for FHA cash out refinance loans that exceeds 85% loan to value.  Borrowers can still use FHA loans for cash refinancing up to 95%, but two appraisals slows [...]]]></description>
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		<slash:comments>0</slash:comments>
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