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	<title>NC FHA Expert &#187; FHA Mortgage Loans</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>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>The Different Kinds of Mortgage Insurance</title>
		<link>http://ncfhaexpert.com/fha/the-different-kinds-of-mortgage-insurance/</link>
		<comments>http://ncfhaexpert.com/fha/the-different-kinds-of-mortgage-insurance/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 13:40:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[river community bank]]></category>
		<category><![CDATA[usda home loan pmi]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loan pmi]]></category>
		<category><![CDATA[va home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1661</guid>
		<description><![CDATA[Most folks want to avoid PMI&#8230; but they don&#8217;t realize that they are happily paying a &#8220;kind&#8221; of mortgage insurance no matter what kind of loan they are getting! Mortgage Insurance is not the insurance that covers you if you die, or are disabled and can not pay the mortgage&#8230; it&#8217;s the insurance that protects [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Calculating FHA Downpayment</title>
		<link>http://ncfhaexpert.com/fha/calculating-fha-downpayment/</link>
		<comments>http://ncfhaexpert.com/fha/calculating-fha-downpayment/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:49:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha downpayments]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[kiddie condo]]></category>
		<category><![CDATA[non occupying coborrower]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1631</guid>
		<description><![CDATA[I&#8217;ve been in this business for a while&#8230; my daughter would tell you I&#8217;m old as dirt&#8230; and for as long as I&#8217;ve been in this, we&#8217;ve had a complicated way of calculating FHA Downpayment. FHA always used acquisition cost.  How much were you putting into the total aquisition of the property&#8230; closing costs and [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/calculating-fha-downpayment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>After Foreclosure &#8211; Can You Buy Another Home?</title>
		<link>http://ncfhaexpert.com/fha/after-foreclosure-can-you-buy-another-home/</link>
		<comments>http://ncfhaexpert.com/fha/after-foreclosure-can-you-buy-another-home/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 21:01:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[buying after foreclosure]]></category>
		<category><![CDATA[buying after short sales]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[purchase home after foreclosure]]></category>
		<category><![CDATA[usda home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1829</guid>
		<description><![CDATA[If you are one of the millions of families that lost their home in the last couple of years to Foreclosure… you might think… Been There – Done That You might not want to own a home again! But if you’re one of those folks who truly does want to purchase again, here’s some potentially [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Refinance To The Lowest Mortgage Rate?</title>
		<link>http://ncfhaexpert.com/fha/can-you-refinance/</link>
		<comments>http://ncfhaexpert.com/fha/can-you-refinance/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 18:59:51 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[divorce and mortgage]]></category>
		<category><![CDATA[fha slow payments]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[refinance mortgage]]></category>
		<category><![CDATA[streamline refinance]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=71</guid>
		<description><![CDATA[Mortgage Interest Rates are at ALL TIME lows, and many of the people calling us want to know if it&#8217;s even possible to Refinance these days! The answer is maybe.  If you are looking for a &#8220;rate term&#8221; meaning no cash out &#8211; and you haven&#8217;t missed any mortgage payments in the last 12 months [...]]]></description>
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		<slash:comments>7</slash:comments>
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		<title>FHA Seller Repairs Required</title>
		<link>http://ncfhaexpert.com/fha/fha-seller-repairs-required/</link>
		<comments>http://ncfhaexpert.com/fha/fha-seller-repairs-required/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 16:02:29 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[buying fha foreclosed homes]]></category>
		<category><![CDATA[does fha require a stove]]></category>
		<category><![CDATA[FHA repair Requirements]]></category>
		<category><![CDATA[FHA Seller required repairs]]></category>
		<category><![CDATA[fha underwriting guidelines]]></category>
		<category><![CDATA[how to buy fha foreclosed homes]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2409</guid>
		<description><![CDATA[If you are interested in purchasing a distressed home, or one that&#8217;s been foreclosed upon, it probably has some &#8220;deferred maintenance items&#8221; that need to be done.  Getting the Seller to DO those items, however, is normally difficult.  So the question becomes, what will FHA let you leave undone, while still giving you an FHA [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Qualifying For A FHA Streamline Refinance</title>
		<link>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/</link>
		<comments>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 15:03:43 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha no appraisal refinance]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha underwriting guidelines]]></category>
		<category><![CDATA[no appraisal refinance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2402</guid>
		<description><![CDATA[FHA changed it’s guidelines so that VERY little is required to qualify, however, in North Carolina, we have our own State mandated standards, so again – many of the NC Banks can not offer this program the way FHA intended for it to work – WE DO! FHA says that to qualify: Employment verification is [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinance Options For FHA Mortgages</title>
		<link>http://ncfhaexpert.com/fha/refinance-options-for-fha-mortgages/</link>
		<comments>http://ncfhaexpert.com/fha/refinance-options-for-fha-mortgages/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 21:13:16 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loan mortgage]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[fha mortgage guidelines]]></category>
		<category><![CDATA[fha mortgage in nc]]></category>
		<category><![CDATA[fha refinance]]></category>
		<category><![CDATA[fha refinance no appraisal]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha streamline refinance no appraisal]]></category>
		<category><![CDATA[how to refinance with no appraisal]]></category>
		<category><![CDATA[refinance no appraisal]]></category>
		<category><![CDATA[refinance no job]]></category>
		<category><![CDATA[refinance rates]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2396</guid>
		<description><![CDATA[If you currently have an FHA Mortgage, we might want to peak and see if you&#8217;re eligible for an FHA Streamline Refinance.  This is a great program, that differs GREATLY from other mortgage programs!  Under the updated FHA guidelines, you can refinance to lower payments with No Income Verification, No Appraisal&#8230; it&#8217;s pretty simple! The [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/refinance-options-for-fha-mortgages/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Repair Requirements 2011 in North Carolina</title>
		<link>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/</link>
		<comments>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 16:12:49 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[does fha require a dishwasher]]></category>
		<category><![CDATA[fha appliance requirements]]></category>
		<category><![CDATA[fha appraisal requirements]]></category>
		<category><![CDATA[fha heating requirements]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha property requirements]]></category>
		<category><![CDATA[FHA repair Requirements]]></category>
		<category><![CDATA[how to buy a foreclosed home]]></category>
		<category><![CDATA[how to buy foreclosed property]]></category>
		<category><![CDATA[in ground oil tanks fha]]></category>
		<category><![CDATA[what does seller have to fix]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2334</guid>
		<description><![CDATA[FHA Mortgage Underwriting Requirements for repairs are really quite different than they were several years ago, before there were so many foreclosed and distressed homes on the market in North Carolina.  In 2011,  FHA Home Loan Financing is one of the most popular programs available, because it is &#8220;forgiving&#8221; to folks who have had some [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Write a Contract With A DAP</title>
		<link>http://ncfhaexpert.com/fha/how-to-write-a-contract-with-a-dap/</link>
		<comments>http://ncfhaexpert.com/fha/how-to-write-a-contract-with-a-dap/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 20:50:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[dap nc housing]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[nc housing]]></category>
		<category><![CDATA[nc housing 8000 dap]]></category>
		<category><![CDATA[nc housing down payment assistance]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[nc housing finance program]]></category>
		<category><![CDATA[nc housing mcc]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1544</guid>
		<description><![CDATA[First off &#8211; A DAP is the &#8220;mortgage babble term&#8221; for DownPayment Assistance Programs.  These programs USE to be funded by a SELLER paid contribution &#8211; these days, however, &#8220;the Home seller can only help buyers pay closing costs by giving a portion of their proceeds back to the buyer at closing, in the form [...]]]></description>
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		<slash:comments>0</slash:comments>
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