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	<title>NC FHA Expert &#187; fha home loans</title>
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	<description>Helping NC&#039;s Home Buyers!</description>
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		<title>Credit Scores and First Time Home Buyers!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/#comments</comments>
		<pubDate>Thu, 20 May 2010 19:33:12 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[credit score guidelines]]></category>
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		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
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		<description><![CDATA[How Credit Scores are calculated is changing, and the minimum scores required for mortgage loans are going HIGHER!  For information about &#8220;WHY&#8221; Credit Scores requirements are changing in NC, click here. It&#8217;s important to know that Transunion began making changes to the way they calculate credit scores, and if you don&#8217;t change your credit strategy &#8211; you might not [...]]]></description>
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		<title>Credit Score Requirements Going UP!</title>
		<link>http://ncfhaexpert.com/fha/credit-score-requirements-going-up/</link>
		<comments>http://ncfhaexpert.com/fha/credit-score-requirements-going-up/#comments</comments>
		<pubDate>Sun, 29 Nov 2009 14:08:21 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loans]]></category>
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		<guid isPermaLink="false">http://ncfhaexpert.com/2009/11/29/credit-score-requirements-going-up/</guid>
		<description><![CDATA[On December the 12th, Fannie Mae is changing it&#8217;s &#8220;Computer Program&#8221; to reflect a new minimum credit score requirement for mortgages of 620. This is SIGNIFICANT because VA Mortgage Loans, FHA Mortgage Loans and USDA Rural Development loan guidelines indicate that the Government will insure loans with scores substantially lower than this&#8230; however, if a [...]]]></description>
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		<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>
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		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[kiddie condos]]></category>

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		<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>
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		<title>Using 401K Funds for Downpayment on FHA</title>
		<link>http://ncfhaexpert.com/fha/using-401k-funds-for-downpayment-on-fha/</link>
		<comments>http://ncfhaexpert.com/fha/using-401k-funds-for-downpayment-on-fha/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 21:41:49 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[borrowing from retirement funds]]></category>
		<category><![CDATA[fha downpayment]]></category>
		<category><![CDATA[fha downpayment requirements]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[gift funds]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=187</guid>
		<description><![CDATA[With FHA financing, you can use 401K funds in the form of a loan or a withdrawal for required funds to close.  We also use them quite often to simply document reserves with no intent to withdraw the funds.  It can sometimes make a difference if your debt-to-income ratio is a little higher than the guidelines]]></description>
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