<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>NC FHA Expert &#187; FHA Mortgage Loans</title>
	<atom:link href="http://ncfhaexpert.com/category/fha/feed/" rel="self" type="application/rss+xml" />
	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Mon, 21 May 2012 13:58:59 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Medical Collections and FHA Mortgage Change July 1, 2012</title>
		<link>http://ncfhaexpert.com/fha/medical-collections/</link>
		<comments>http://ncfhaexpert.com/fha/medical-collections/#comments</comments>
		<pubDate>Fri, 18 May 2012 15:00:52 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[cary mortgages]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[improve credit scores]]></category>
		<category><![CDATA[medical collections]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=62</guid>
		<description><![CDATA[Medical Collection Boo-Boo&#8217;s are usually the hardest things to remove from a credit report, even though the Fair Credit Reporting Act does have pretty strong language about them. The final rule of HIPAA (the Health Insurance Protability and Accountability Act) makes sharing personal medical record informations illegal with with the public. Remember all those forms [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/medical-collections/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Streamline Refinance Rates For Loans Endorsed AFTER May 31, 2009</title>
		<link>http://ncfhaexpert.com/fha/fha-streamline-refinance-rates-for-loans-endorsed-after-may-31-2009/</link>
		<comments>http://ncfhaexpert.com/fha/fha-streamline-refinance-rates-for-loans-endorsed-after-may-31-2009/#comments</comments>
		<pubDate>Mon, 14 May 2012 17:22:48 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha pmi rates change june 2012]]></category>
		<category><![CDATA[fha pmi refunds]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha streamline refinance endorsed after 5-31-2009]]></category>
		<category><![CDATA[fha streamline refinance pmi rates]]></category>
		<category><![CDATA[new fha pmi rates june 2012]]></category>
		<category><![CDATA[refunds on the fha pmi]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3345</guid>
		<description><![CDATA[The new FHA Streamline Refinance Program that will begin on June 11, 2012 includes a special tier of FHA PMI rates for mortgage loans that were &#8220;Endorsed by FHA on or before May 31, 2009.&#8221;  But what if you bought a house in September of 2009?  Or what if your loan wasn&#8217;t set up by [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-streamline-refinance-rates-for-loans-endorsed-after-may-31-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Does Endorsed By May 31, 2009 &#8211; FHA Streamline Refinance</title>
		<link>http://ncfhaexpert.com/fha/what-does-endorsed-by-may-31-2009-mean-fha-streamline-refianance/</link>
		<comments>http://ncfhaexpert.com/fha/what-does-endorsed-by-may-31-2009-mean-fha-streamline-refianance/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 19:14:52 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha streamline refinance endorsed after]]></category>
		<category><![CDATA[fha streamline refinance endorsed by]]></category>
		<category><![CDATA[fha streamline refinance endorsed by may 2009]]></category>
		<category><![CDATA[fha what does endorsed by mean]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3264</guid>
		<description><![CDATA[There&#8217;s a new FHA Streamline Refinance program coming on June 11, 2012 and lots of people are interested in it!  It has a new &#8220;tier&#8221; for the FHA PMI rates &#8211; that is much lower than the current rates!  Of course, FHA doesn&#8217;t actually make loans, they just insure the Lender against default.  Because most [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/what-does-endorsed-by-may-31-2009-mean-fha-streamline-refianance/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Using Grants and Gift Funds To Buy A House In NC</title>
		<link>http://ncfhaexpert.com/fha/using-grants-and-gift-funds-to-buy-a-house-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/using-grants-and-gift-funds-to-buy-a-house-in-nc/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 14:20:46 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[8000 downpayment assistance]]></category>
		<category><![CDATA[gift funds]]></category>
		<category><![CDATA[gift registry at wedding]]></category>
		<category><![CDATA[grant to buy a home]]></category>
		<category><![CDATA[money from parents to buy a home]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[nchfa]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3215</guid>
		<description><![CDATA[Are you a First Time Homebuyer, dreaming of the day when you can sit among your boxes, in your new home? HUNDREDS of first time home buyers in Cary, Apex, Holly Springs are doing just that, and taking advantage of the now &#8220;famous&#8221; $8000 Downpayment Assistance program available through NC Housing Financing! These same people [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/using-grants-and-gift-funds-to-buy-a-house-in-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Single Parent Qualifying For A House In NC</title>
		<link>http://ncfhaexpert.com/fha/single-parent-qualifying-for-a-house-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/single-parent-qualifying-for-a-house-in-nc/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 14:09:58 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[child support and alimony]]></category>
		<category><![CDATA[divorce and credit]]></category>
		<category><![CDATA[fha guidelines for single parents]]></category>
		<category><![CDATA[single parent buying home]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3183</guid>
		<description><![CDATA[There are several considerations when a single parent comes to us to discuss purchasing a home and their financing options&#8230; and with all of the &#8220;rack and ruin&#8221; in the Economy, it&#8217;s not surprising that we are talking to many people who want to purchase a house, and have a divorce in their background. FHA [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/single-parent-qualifying-for-a-house-in-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA May Change Seller Contribution Limits</title>
		<link>http://ncfhaexpert.com/fha/fha-may-change-seller-contribution-limits/</link>
		<comments>http://ncfhaexpert.com/fha/fha-may-change-seller-contribution-limits/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 15:54:40 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha guideliens for collection accounts]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[hud limiting seller concessions]]></category>
		<category><![CDATA[seller concessions]]></category>
		<category><![CDATA[steve thorne nc mortgage experts]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3152</guid>
		<description><![CDATA[In 2010, FHA issued a fairly detailed document that outlined changes they felt were necessary to keep the Capital Requirements of the fund solvent.  Those changes updated minimum credit scores accepted, and corresponding downpayment requirements for those with very low scores.  Additionally, FHA proposed limiting Seller Concessions with FHA loans.  Since then they&#8217;ve been gathering [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-may-change-seller-contribution-limits/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Says: Pay Off Disputes Over $999</title>
		<link>http://ncfhaexpert.com/fha/fha-says-pay-off-disputes-over-999/</link>
		<comments>http://ncfhaexpert.com/fha/fha-says-pay-off-disputes-over-999/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 16:32:17 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha credit requirements]]></category>
		<category><![CDATA[FHA mortgage Cary]]></category>
		<category><![CDATA[fha mortgage raleigh]]></category>
		<category><![CDATA[fha underwriting guidelines]]></category>
		<category><![CDATA[paying collections off]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3104</guid>
		<description><![CDATA[FHA Announced a BIG Change that will take place this summer.  According to the FHA Mortgagee Letter 2012-3, beginning July 1, borrowers with ongoing credit disputes totaling more than $1,000 will have trouble getting an FHA Mortgage loan.  (This date has been revised and HUD is seeking comments on the ruling) This is a HUGE [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-says-pay-off-disputes-over-999/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refunds On FHA PMI &#8211; 2012</title>
		<link>http://ncfhaexpert.com/fha/refunds-on-fha-pmi-2012/</link>
		<comments>http://ncfhaexpert.com/fha/refunds-on-fha-pmi-2012/#comments</comments>
		<pubDate>Sat, 10 Mar 2012 12:35:56 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha mip refunds]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[fha pmi requirements]]></category>
		<category><![CDATA[refunds on fha pmi]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3085</guid>
		<description><![CDATA[FHA acts as an Insurance Company, and they charge &#8220;premiums&#8221; two different ways.  They charge an UpFront Premium and an annual Premium.  Because most of us don&#8217;t keep the &#8220;original&#8221; mortgage for more than a few years, there were situations where FHA would REFUND part of your Upfront Premium back.  That&#8217;s changed&#8230; Prior to 2005, [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/refunds-on-fha-pmi-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Streamline Refinance Calculations 2012</title>
		<link>http://ncfhaexpert.com/fha/fha-streamline-refinance-calculations-2012/</link>
		<comments>http://ncfhaexpert.com/fha/fha-streamline-refinance-calculations-2012/#comments</comments>
		<pubDate>Thu, 08 Mar 2012 14:10:18 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[2012 fha streamline refinance]]></category>
		<category><![CDATA[calculate fha pmi]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[streamline fha mortgage program]]></category>
		<category><![CDATA[streamline refinance fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3073</guid>
		<description><![CDATA[If you are considering a FHA Streamline refinance &#8211; you might want to know why the new FHA PMI rates for this program are so cool!  Well, FHA is DROPPING it&#8217;s premium for refinancing, which &#8211; along with the other streamlined guidelines (like no appraisal required and no income verification required for some borrowers) makes [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-streamline-refinance-calculations-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Streamline Refinance Change June 11, 2012</title>
		<link>http://ncfhaexpert.com/fha/fha-streamline-refinance-change-june-11-2012/</link>
		<comments>http://ncfhaexpert.com/fha/fha-streamline-refinance-change-june-11-2012/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 22:05:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[2012 fha streamline refinance]]></category>
		<category><![CDATA[fha loans endorsed after may 31]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha streamline refinance endorsed after 5-31-2009]]></category>
		<category><![CDATA[fha streamline refinance june 2012]]></category>
		<category><![CDATA[how to get the best rate]]></category>
		<category><![CDATA[how to refinance a fha mortgage]]></category>
		<category><![CDATA[lower mip for streamline refinance]]></category>
		<category><![CDATA[new fha pmi rates june 2012]]></category>
		<category><![CDATA[refinance fha mortgage]]></category>
		<category><![CDATA[streamline refinance june 11 2012]]></category>
		<category><![CDATA[todays best mortgage rates]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3060</guid>
		<description><![CDATA[FHA wants more homeowner&#8217;s to be able to refinance to a lower FHA Mortgage Payment.  Because of this, they are putting in a new &#8220;tier&#8221; for FHA PMI for refinancing your FHA loan!  Effective June 11, 2012, FHA will lower its Upfront Mortgage Insurance Premium (UFMIP what we refer to as the FHA PMI premium) [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-streamline-refinance-change-june-11-2012/feed/</wfw:commentRss>
		<slash:comments>24</slash:comments>
		</item>
	</channel>
</rss>

