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	<title>NC FHA Expert &#187; downpayment</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
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		<title>FHA Guidelines to Qualify &#8220;Rent to Own&#8221; in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/#comments</comments>
		<pubDate>Thu, 05 May 2011 17:57:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[rent to own]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1166</guid>
		<description><![CDATA[Rent-to-own agreements and or sales that take place between a tenant and landlord have special FHA Guidelines. Often times, when someone moves to our area with a short sale, or previous forced foreclosure in their past &#8211; they will rent a home here until their &#8220;waiting period&#8221; is over. If you are in this situation, [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Profile of 2009 &#8211; 2010 First Time Home Buyer</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/profile-of-2009-2010-first-time-home-buyer/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/profile-of-2009-2010-first-time-home-buyer/#comments</comments>
		<pubDate>Tue, 09 Nov 2010 18:17:41 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[USDA Mortgage Loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1146</guid>
		<description><![CDATA[The National Association of Realtors released information about First Time Home Buyers last week that showed some interesting trends! 93 percent of those surveyed in 2009 &#8211; 2010 reported that they purchased using one of the first-time buyer tax credits. (Who&#8217;s surprised??? Nope, we&#8217;re not surprised either!) Ninety-five percent chose a fixed-rate mortgage. The median [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Downpayment Going to 5% ??</title>
		<link>http://ncfhaexpert.com/fha/fha-downpayment-going-to-5/</link>
		<comments>http://ncfhaexpert.com/fha/fha-downpayment-going-to-5/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 13:14:21 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[county]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[durham]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[orange county]]></category>
		<category><![CDATA[wake]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=212</guid>
		<description><![CDATA[US Congressman Scott Garrett (R-NJ) introduced the "FHA Taxpayer Protection Act of 2009.  In his bill, borrowers would be required to make a 5% downpayment on FHA loans, as opposed to the 3.5% downpayment in the current guidelines.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA Qualifying Requirements</title>
		<link>http://ncfhaexpert.com/fha/fha-qualifying-requirements/</link>
		<comments>http://ncfhaexpert.com/fha/fha-qualifying-requirements/#comments</comments>
		<pubDate>Fri, 31 Jul 2009 16:30:59 +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[co signors]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[gift fund requirements]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[requirements]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=170</guid>
		<description><![CDATA[Many of the folks we are talking with right now want to purchase a home using the FHA Mortgage Loan program &#8211; and then taking the $8000 Tax Credit (you can get that back NOW, like in 12 weeks, by amending THIS YEAR&#8217;s TAX RETURN!) to &#8220;pay yourself back&#8221; for the downpayment! Here are qualifying requirements [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>FHA To Allow Tax Credit To Work As Downpayment</title>
		<link>http://ncfhaexpert.com/fha/fha-to-allow-tax-credit-to-work-as-downpayment/</link>
		<comments>http://ncfhaexpert.com/fha/fha-to-allow-tax-credit-to-work-as-downpayment/#comments</comments>
		<pubDate>Tue, 12 May 2009 21:01:43 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=154</guid>
		<description><![CDATA[FHA announced during a summit in Washington that they will shortly be allowing the Tax Credit for First Time Homebuyers to be used as downpayment!  THIS IS HUGE! There are few details available about how they will execute this, but here&#8217;s a link to the information I was able to find: http://www.realtor.org/RMODaily.nsf/pages/News2009051202?OpenDocument]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-to-allow-tax-credit-to-work-as-downpayment/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>First Time Home Buyer Tips!</title>
		<link>http://ncfhaexpert.com/fha/first-time-homebuyer-tips/</link>
		<comments>http://ncfhaexpert.com/fha/first-time-homebuyer-tips/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 16:10:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[VA home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[veterans]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=143</guid>
		<description><![CDATA[If you are a First Time Homebuyer, the government recently initiated a program that could help you! They are G-I-V-I-N-G you a $8000 credit that you can use on your 2009 and 2010 taxes! For details on this credit, click here! First Time Homebuyers have many loan program options.  If you, or your spouse, are [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/first-time-homebuyer-tips/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Basics to Qualifying for a FHA Mortgage Loan</title>
		<link>http://ncfhaexpert.com/fha/basics-to-qualifying-for-a-fha-mortgage-loan/</link>
		<comments>http://ncfhaexpert.com/fha/basics-to-qualifying-for-a-fha-mortgage-loan/#comments</comments>
		<pubDate>Thu, 05 Feb 2009 15:46:12 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[county]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[durham]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[gift]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[johnston]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[maximum loan amount]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[orange]]></category>
		<category><![CDATA[pre qualifying]]></category>
		<category><![CDATA[qualifying]]></category>
		<category><![CDATA[ratios]]></category>
		<category><![CDATA[rental]]></category>
		<category><![CDATA[scores]]></category>
		<category><![CDATA[wake]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=136</guid>
		<description><![CDATA[FHA mortgage loans offers some of the most flexible financing available for today&#8217;s home buyers!  With FHA, you can purchase a property that&#8217;s located almost anywhere, (unlike USDA that has a &#8220;footprint&#8221; of where you can purchase) and you don&#8217;t have to be a Veteran (a requirement for VA home loans ).  AND you can use [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/basics-to-qualifying-for-a-fha-mortgage-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>100% Mortgage Loans in Chapel Hill?</title>
		<link>http://ncfhaexpert.com/usda-loans/100-mortgage-loans-in-chapel-hill/</link>
		<comments>http://ncfhaexpert.com/usda-loans/100-mortgage-loans-in-chapel-hill/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 18:30:14 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[chapel hill]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[no down payment]]></category>
		<category><![CDATA[usda]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[USDA Mortgage Loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=128</guid>
		<description><![CDATA[I was very surprised by just how much of Orange County, NC qualifies for USDA Mortage Loans!  Pleasantly Surprised! Granted, downtown Carrboro and Chapel Hill do not qualify &#8211; but MOST of the county does! To find out if your specific property qualifies, click here! The parts in the &#8220;shaded&#8221; areas do not qualify for USDA [...]]]></description>
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		<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>Tue, 16 Dec 2008 15:50:34 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[apex]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fuquay varina]]></category>
		<category><![CDATA[Holly Springs]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[no]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[usda]]></category>
		<category><![CDATA[wake]]></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 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, and the goal is to provide mortgages, and incentives for folks to purchase homes in less &#8220;densly&#8221; populated [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Stop Renting &#8211; Buy Now</title>
		<link>http://ncfhaexpert.com/fha/stop-renting-buy-now/</link>
		<comments>http://ncfhaexpert.com/fha/stop-renting-buy-now/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 13:16:12 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[VA home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=115</guid>
		<description><![CDATA[Are you tired of having to clean up after roommates? Then take the $8000 credit the government is giving first time home buyers &#8211; and BUY a house! You have some great financing options (and YES we are STILL making loans to folks, and first time home buyers have the EASIEST qualifying of any group!): [...]]]></description>
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		<slash:comments>0</slash:comments>
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