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	<title>NC FHA Expert &#187; fha cary</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Mon, 21 May 2012 13:58:59 +0000</lastBuildDate>
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		<title>The Pros and Cons of First Time Home Buyer Programs</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 15:02:56 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></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[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[home loan rates raleigh]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[raleigh mortgages]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=29</guid>
		<description><![CDATA[Given these restrictions, many homebuyers prefer using a "plain-vanilla" FHA mortgage.  If you qualify for this program,  you probably won’t see an advantage to the subsidized first time home buyer loan because of the re-capature costs and penalties they impose when you sell your home.

FHA does NOT charge a re-capture penalty like some "true" First Time Home Buyer Programs do!]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Short Seller + FHA Buyer = Restrictions</title>
		<link>http://ncfhaexpert.com/fha/fha-short-seller-fha-buyer-restrictions/</link>
		<comments>http://ncfhaexpert.com/fha/fha-short-seller-fha-buyer-restrictions/#comments</comments>
		<pubDate>Fri, 28 Jan 2011 18:33:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[allowed closing costs fha short sale]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha closing costs]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage Cary]]></category>
		<category><![CDATA[fha mortgage holly springs]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[mortgage apex]]></category>
		<category><![CDATA[purchasing short sale]]></category>
		<category><![CDATA[raleigh fha loans]]></category>
		<category><![CDATA[seller closing costs]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1212</guid>
		<description><![CDATA[FHA has specific rules when it comes to purchasing a home that is in Pre-Foreclosure with a FHA mortgage on it.  FHA doesn&#8217;t make mortgage loans, they Insure them &#8211; and so as the Insuring Agency (kinda&#8217; like a PMI company) they get to set the rules!  In those Pre-Foreclosure, Short Sale transactions, they set [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-short-seller-fha-buyer-restrictions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Property Requirements on FHA</title>
		<link>http://ncfhaexpert.com/fha/property-requirements-on-fha/</link>
		<comments>http://ncfhaexpert.com/fha/property-requirements-on-fha/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 23:17:39 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha cary]]></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>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=926</guid>
		<description><![CDATA[We&#8217;ve talked to several people in the last couple of days who want to purchase homes using FHA&#8217;s 3.5% down payment program&#8230; and they are trying to purchase some &#8220;unusual&#8221; properties. (Click here for more on 2010 Appraisal Requirements) Here are some GENERAL notes: FHA 203K loans: These loans are &#8220;construction loans&#8221; that FHA makes.  [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/property-requirements-on-fha/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Streamline Refinance When You Do Not Occupy Property</title>
		<link>http://ncfhaexpert.com/fha/fha-streamline-refinance-when-you-do-not-occupy-property/</link>
		<comments>http://ncfhaexpert.com/fha/fha-streamline-refinance-when-you-do-not-occupy-property/#comments</comments>
		<pubDate>Tue, 25 May 2010 21:15:48 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[home loan fha]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[refinance loans fha nc]]></category>
		<category><![CDATA[refinance rates]]></category>
		<category><![CDATA[streamline refinance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=705</guid>
		<description><![CDATA[FHA allows you to Streamline Refinance when you do not occupy property.  This was actually news to me, because we always tell folks that FHA is ONLY for use as a Primary Residence! So we have a borrower who owned a home in Ohio (financed via FHA), moved to NC &#8211; but could not sell [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-streamline-refinance-when-you-do-not-occupy-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Congress Making Changes to FHA Mortgages</title>
		<link>http://ncfhaexpert.com/fha/congress-making-changes-to-fha-mortgages/</link>
		<comments>http://ncfhaexpert.com/fha/congress-making-changes-to-fha-mortgages/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 12:35:48 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></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 loan guidelines]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[mip]]></category>
		<category><![CDATA[mortgage insurance premium]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=671</guid>
		<description><![CDATA[THE FHA PMI Mortgage Rates referred to in this post is OUTDATED.  We have the most Updated FHA PMI information, but keep this post here for the people who got a FHA loan around April of 2010.  For some folks, FHA Mortgage Insurance was refundable &#8211; and for others it was not.  FHA has made [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/congress-making-changes-to-fha-mortgages/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>HUD Makes It Easier To Purchase Foreclosed Property</title>
		<link>http://ncfhaexpert.com/fha/hud-makes-it-easier-to-purchase-foreclosed-property/</link>
		<comments>http://ncfhaexpert.com/fha/hud-makes-it-easier-to-purchase-foreclosed-property/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 21:30:17 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[Housing News]]></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[foreclosed property]]></category>
		<category><![CDATA[foreclosure]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=543</guid>
		<description><![CDATA[HUD announced a change in the way it handles property that has changed ownership in the last 90 days.  In an attempt to prevent people from &#8220;flipping&#8221; property (which is FRAUDULENT), HUD required a 90 day &#8220;cooling off&#8221; period before property could change hands. This meant that if an Investor purchased property on January 1 [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/hud-makes-it-easier-to-purchase-foreclosed-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Benefits of FHA Mortgage Loans</title>
		<link>http://ncfhaexpert.com/fha/benefits-of-fha-mortgage-loans/</link>
		<comments>http://ncfhaexpert.com/fha/benefits-of-fha-mortgage-loans/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 21:07:05 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[credit requirements fha loans]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha downpayment requirements]]></category>
		<category><![CDATA[fha home loans]]></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[FHA Programs]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[kiddie condos]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=322</guid>
		<description><![CDATA[FHA Mortgage Loans are one of the best mortgage loan programs available for folks purchsing a home in the Wake County Area because it serves so many needs! You can use the program, as a parent, to help your student or child get into their First Home! The downpayment is 3.5%, and it can be [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/benefits-of-fha-mortgage-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>With All of the Risk Do We Still Need FHA?</title>
		<link>http://ncfhaexpert.com/fha/with-all-of-the-risk-do-we-still-need-fha/</link>
		<comments>http://ncfhaexpert.com/fha/with-all-of-the-risk-do-we-still-need-fha/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 00:06:42 +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[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=309</guid>
		<description><![CDATA[I think this is good news, because others are calling for massive tightening... and I think we need every eligible buyer to buy!  Forcing credit score requirements up to 680, or 700 is NOT going to help the housing market (because it turns so many folks away who can't make that score) and it's not going to keep the defaults from happening when people lose their jobs!]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/with-all-of-the-risk-do-we-still-need-fha/feed/</wfw:commentRss>
		<slash:comments>1</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[downpayment]]></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[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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