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	<title>NC FHA Expert</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Mon, 14 May 2012 17:29:43 +0000</lastBuildDate>
	<language>en</language>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USDA Home Loan Changes In NC Coming</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-home-loan-changes-in-nc-coming/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-home-loan-changes-in-nc-coming/#comments</comments>
		<pubDate>Mon, 07 May 2012 18:54:59 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[usda home loan changes 2012]]></category>
		<category><![CDATA[usda home loan eligibility]]></category>
		<category><![CDATA[usda home loan guidelines]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[usda home loans belmont]]></category>
		<category><![CDATA[usda home loans holly springs]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3348</guid>
		<description><![CDATA[This state has grown Soooo much, that when the 2010 Census maps were drawn up, and analyzed, it showed that 21 Communities in NC will lose the opportunity to get mortgage loans approved using the USDA Home Loan Program starting October 1, 2012.  Congress is currently considering the Senate USDA Appropriations bill, S.2375 which includes [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-home-loan-changes-in-nc-coming/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Questions: Rent Versus Buying a Home in Raleigh Now?</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/rent-versus-own-raleigh/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/rent-versus-own-raleigh/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 18:50:01 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[1st time home buyer programs]]></category>
		<category><![CDATA[first time homebuyers programs raleigh]]></category>
		<category><![CDATA[mortgage credit score requirements]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[nchfa]]></category>
		<category><![CDATA[rent versus own]]></category>
		<category><![CDATA[rent vs own]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3333</guid>
		<description><![CDATA[We talked to a buyer recently who was trying to compare currently rental payments to a house payment.  As the conversation progressed we realized that this first time home buyer didn&#8217;t really have all of the information they needed to make a comparison, and in fact, they even had some BAD information!  Here are 3 [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/rent-versus-own-raleigh/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Disputing All Credit &#8211; Not Getting Mortgage Approval</title>
		<link>http://ncfhaexpert.com/housing-news/disputing-all-credit-not-getting-mortgage-approval/</link>
		<comments>http://ncfhaexpert.com/housing-news/disputing-all-credit-not-getting-mortgage-approval/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 20:44:45 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit repair company]]></category>
		<category><![CDATA[credit repair scam]]></category>
		<category><![CDATA[disputing items on credit report]]></category>
		<category><![CDATA[minimum credit scores for a mortgage]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3328</guid>
		<description><![CDATA[We talked to a Veteran today who wants to buy a house, First Time Home Buyer, who was referred to a &#8220;Credit Repair Company&#8221; a couple of years ago&#8230; they, of course, disputed EVERYTHING on his credit report.  They also suggested that he obtain a Secured Credit Card (which he did) and maintain a balance [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/disputing-all-credit-not-getting-mortgage-approval/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USDA No Money Down Mortgage</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-no-money-down-mortgage/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-no-money-down-mortgage/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 14:50:34 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[best mortgage rates raleigh]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fuquay varina]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[todays best mortgage rates]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=121</guid>
		<description><![CDATA[We&#8217;ve helped many customers buy homes with an old program offered through the USDA&#8230; not to buy farms&#8230; HOMES. The Rurual Economic Development Fund is what it use to be called, now it&#8217;s just a part of the USDA RD Home Loan Program, and the goal is to provide mortgages, and incentives for folks to [...]]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Rebate Commissions From The Agent</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/rebate-commissions-from-the-agent/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/rebate-commissions-from-the-agent/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 19:30:50 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[downpayment gift]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[mortgages cary]]></category>
		<category><![CDATA[rebate commissions]]></category>
		<category><![CDATA[usda home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=86</guid>
		<description><![CDATA[There&#8217;s been some discussion about Agents rebating commissions back to the buyer&#8230; we see ads everyday for a Agent that will refund part of their Commissions back to the Buyer at Closing. What I want to discuss is once you&#8217;ve determined you want to work with an agent who is going rebate part of their [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/rebate-commissions-from-the-agent/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>Why Are My Credit Scores Different??</title>
		<link>http://ncfhaexpert.com/credit/why-are-my-scores-different/</link>
		<comments>http://ncfhaexpert.com/credit/why-are-my-scores-different/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 14:05:26 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha mortgage requirements]]></category>
		<category><![CDATA[fico credit scores]]></category>
		<category><![CDATA[minimum credit scores]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=84</guid>
		<description><![CDATA[We often talk to folks who are ready to buy a house, and they have the credit scores that they get for free every year.  Well, those scores are not the same as the scores you get for a mortgage credit report.  In fact OUR Credit Score numbers and the ones they send you, are [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/credit/why-are-my-scores-different/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>What Costs Do Sellers Pay on VA Loans???</title>
		<link>http://ncfhaexpert.com/va-loans/what-costs-do-sellers-pay-on-va-loans/</link>
		<comments>http://ncfhaexpert.com/va-loans/what-costs-do-sellers-pay-on-va-loans/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 22:48:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[seller required closing costs]]></category>
		<category><![CDATA[va home loan fees]]></category>
		<category><![CDATA[va home loan requirements]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[veteran home loan fees]]></category>
		<category><![CDATA[veteran home loans]]></category>
		<category><![CDATA[what does the seller pay on a Va loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1644</guid>
		<description><![CDATA[Veteran home loan mortgages are one of the greatest benefits a Veteran has. They offer 100% financing, with no mortgage insurance and fairly easy qualifying guidelines. Like most everything else the Government does, there are some &#8220;quirks&#8221; to the program.  We are helping a Rookie Agent with a closing&#8230; and we are answering MULTIPLE questions [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/va-loans/what-costs-do-sellers-pay-on-va-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Borrowing Money For Your Home From Your Family</title>
		<link>http://ncfhaexpert.com/housing-news/borrowing-money-for-your-home-from-your-family/</link>
		<comments>http://ncfhaexpert.com/housing-news/borrowing-money-for-your-home-from-your-family/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 14:24:31 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[borrowing from parents for a house]]></category>
		<category><![CDATA[buying a house with money from a credit card]]></category>
		<category><![CDATA[cash on hand to buy a house]]></category>
		<category><![CDATA[conventional loan 3% downpayment]]></category>
		<category><![CDATA[fha gift]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=3219</guid>
		<description><![CDATA[We talk to folks who don&#8217;t have quite enough money saved up for a down payment on their dream home, and they want to &#8220;Borrow&#8221; the money from their Family.  Borrowing from the &#8220;Bank of Mom and Dad&#8221; sounds like a great idea, but in reality, you can&#8217;t do that. It&#8217;s also a &#8220;no-no&#8221; to [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/borrowing-money-for-your-home-from-your-family/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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