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	<title>NC FHA Expert &#187; Eleanor</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Wed, 08 Feb 2012 13:14:23 +0000</lastBuildDate>
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		<title>Buy a House, Get a Raise!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 13:14:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[benefits of homeownership]]></category>
		<category><![CDATA[buying forelcosed homes]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how to buy foreclosed homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[steve thorne]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=142</guid>
		<description><![CDATA[Buy a House, Get a Raise! I&#8217;ve told people this for years, and they don&#8217;t always understand.  You see, when you purchase a house, it gives you a tax incentive, and so if you are paying $1200 a month for a mortgage payment you are likely writing off at least $400 a month in interest [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Improve Your Score 50 Points &#8211; NOW!</title>
		<link>http://ncfhaexpert.com/credit/improve-your-score-50-points-now/</link>
		<comments>http://ncfhaexpert.com/credit/improve-your-score-50-points-now/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 16:17:53 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[home loans nc]]></category>
		<category><![CDATA[minimum credit score fha]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[secured credit card]]></category>
		<category><![CDATA[underwriter guidelines mortgage]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=111</guid>
		<description><![CDATA[We&#8217;ve written many times here about writing dispute letters when you have incorrect items on your report.  In addition to this, you could improve your score by 50 points if you would do the following: Pay off any verified bad credit item on your report. In exchange for your payment have the lender remove the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>USDA Streamline Refinance No Appraisal 2/12</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-streamline-refinance-no-appraisal-212/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-streamline-refinance-no-appraisal-212/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:49:50 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[refinance no appraisal nc]]></category>
		<category><![CDATA[refinance usda home loan]]></category>
		<category><![CDATA[usda home loan refinance]]></category>
		<category><![CDATA[usda pmi]]></category>
		<category><![CDATA[usda refinance no appraisal\]]></category>
		<category><![CDATA[usda streamline no appriasal nc]]></category>
		<category><![CDATA[usda streamline refinance nc]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2869</guid>
		<description><![CDATA[NC Residents are getting an added benefit from the Obama Administration during the next 24 months.  In a program announced for the economically hardest hit counties in the Country, last week USDA announced a new Streamline Refinance Program! Under the new program folks refinancing their USDA Home Loan will need to meet the following guidelines: [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-streamline-refinance-no-appraisal-212/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>I Have A Repo on My Credit Report Can I Buy a House?</title>
		<link>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/</link>
		<comments>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:09:15 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[car reposession]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha credit guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=122</guid>
		<description><![CDATA[I&#8217;ve had several of these questions lately, and I figured I&#8217;d let you know what I&#8217;m seeing. Just because you have a repossession on your credit report does not mean that you have to delay in purchasing a home&#8230; but that doen&#8217;t mean it&#8217;s not a problem. Okay, so let&#8217;s say you have a repossession [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Does The Balance On Your Account Matter?</title>
		<link>http://ncfhaexpert.com/credit/does-the-balance-on-your-account-matter/</link>
		<comments>http://ncfhaexpert.com/credit/does-the-balance-on-your-account-matter/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 13:56:38 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[new homes cary]]></category>
		<category><![CDATA[raleigh]]></category>
		<category><![CDATA[river community bank]]></category>
		<category><![CDATA[wake county]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=100</guid>
		<description><![CDATA[I recently read a report that said: &#8220;Several of my clients are in the credit restoration business and a recent conference call with some of the heavy hitters in the business revealed an astonishing new update to how the FICO score is computed. Balance management &#8211; that is the practice of getting the &#8220;balance to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What&#8217;s In Your Wallet (It Makes a Difference) Part 2</title>
		<link>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-2/</link>
		<comments>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-2/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 17:05:00 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[dave ramsey credit repair]]></category>
		<category><![CDATA[how to improve credit scores]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=152</guid>
		<description><![CDATA[Working on your credit scores so you can purchase a home? If you are not behind on payments, and you think you can manage the payments as they are (without closing accounts)… let’s talk about one of the most important things you can do to raise your credit score. Take out your wallet… Look at [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What&#8217;s In Your Wallet (it makes a Difference)?  Part 1</title>
		<link>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-1/</link>
		<comments>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-1/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 15:35:18 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[New Homes]]></category>
		<category><![CDATA[non-profit consumer credit counseling]]></category>
		<category><![CDATA[river community bank]]></category>
		<category><![CDATA[steve thorne river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=149</guid>
		<description><![CDATA[Are you considering a Home Purchase???  Many of us realize that credit scores are the Holy Grail—the one thing you do not want to screw up… and if you have, it’s the one thing you want to figure out how to FIX&#8230; FAST! We talk to people all the time who have been laid off, [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Score Basics &#8211; For First Time Homebuyers</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 13:25:46 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how credit scores work]]></category>
		<category><![CDATA[improve credit scores]]></category>
		<category><![CDATA[improve fico score]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=300</guid>
		<description><![CDATA[For instance the "Free Credit Score.com" jingle that folks listen to, and then PAY for doesn't have a matrix that is anywhere close to the "Mortgage" matrix we must use to score you!  We've seen many people who thought their credit score was "up" to 640 - when we pulled it and found that the score was actually 618, the customer thought we were crazy!  We weren't... there's just a difference between a Mortgage Report Score, A Medical Credit Score, and a Retail Credit Score.]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minimum Credit Scores for Mortgages in 2012</title>
		<link>http://ncfhaexpert.com/credit/credit-scores-and-mortgages/</link>
		<comments>http://ncfhaexpert.com/credit/credit-scores-and-mortgages/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 12:16:07 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[minimum credit score fha]]></category>
		<category><![CDATA[minimum credit score veteran home loans]]></category>
		<category><![CDATA[minimum credit scores]]></category>
		<category><![CDATA[minimum credit scores usda home loans]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=55</guid>
		<description><![CDATA[I&#8221;ve written a couple dozen times about scores and how to increase your score &#8211; but I don&#8217;t think I&#8217;ve mentioned (here anyway) what the goal is.  If you want to buy a car &#8211; your goal is to get your score to AT LEAST a 525 on all three credit bureaus.  If you are [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/credit/credit-scores-and-mortgages/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>WoWho!  VA Does Not Requre A Credit Score!</title>
		<link>http://ncfhaexpert.com/va-loans/wowho-va-does-not-requre-credit-score/</link>
		<comments>http://ncfhaexpert.com/va-loans/wowho-va-does-not-requre-credit-score/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 18:43:07 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[credit score guidelines va mortgage]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[va home loan bankruptcy]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loan credit score]]></category>
		<category><![CDATA[va mortgage loan credit score guidelines]]></category>
		<category><![CDATA[va streamline refinance]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=30</guid>
		<description><![CDATA[Well&#8230; I wouldn&#8217;t get TOO excited! According to the underwriters I&#8217;ve talked to lately  &#8211; even though the VA doesn&#8217;t require a Credit Score, clean credit for at least the last 12 months is required. Here&#8217;s good news!  No matter what your score is &#8211; as long as you meet the minimum score requirements, you [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/va-loans/wowho-va-does-not-requre-credit-score/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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