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	<title>NC FHA Expert &#187; FHA mortgage loan</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Thu, 09 Feb 2012 17:08:12 +0000</lastBuildDate>
	<language>en</language>
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			<item>
		<title>After Foreclosure &#8211; Can You Buy Another Home?</title>
		<link>http://ncfhaexpert.com/fha/after-foreclosure-can-you-buy-another-home/</link>
		<comments>http://ncfhaexpert.com/fha/after-foreclosure-can-you-buy-another-home/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 21:01:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[buying after foreclosure]]></category>
		<category><![CDATA[buying after short sales]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[purchase home after foreclosure]]></category>
		<category><![CDATA[usda home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1829</guid>
		<description><![CDATA[If you are one of the millions of families that lost their home in the last couple of years to Foreclosure… you might think… Been There – Done That You might not want to own a home again! But if you’re one of those folks who truly does want to purchase again, here’s some potentially [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/after-foreclosure-can-you-buy-another-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Qualifying For A FHA Streamline Refinance</title>
		<link>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/</link>
		<comments>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 15:03:43 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha no appraisal refinance]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha underwriting guidelines]]></category>
		<category><![CDATA[no appraisal refinance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2402</guid>
		<description><![CDATA[FHA changed it’s guidelines so that VERY little is required to qualify, however, in North Carolina, we have our own State mandated standards, so again – many of the NC Banks can not offer this program the way FHA intended for it to work – WE DO! FHA says that to qualify: Employment verification is [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/qualifying-for-a-fha-streamline-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Single Parents CAN Buy A Home in North Carolina!</title>
		<link>http://ncfhaexpert.com/fha/single-parents-can-buy-a-home-in-north-carolina/</link>
		<comments>http://ncfhaexpert.com/fha/single-parents-can-buy-a-home-in-north-carolina/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:55:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[child support and alimony]]></category>
		<category><![CDATA[child support and alimony qualify for mortgage]]></category>
		<category><![CDATA[child support qualifying for mortgage]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[home loan programs single parents]]></category>
		<category><![CDATA[non occupying co borrower]]></category>
		<category><![CDATA[single parent home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1849</guid>
		<description><![CDATA[With the Economy in a “slump” statistics show more and more families have a single parent.  If you are in this situation, and want to purchase a home, there are some very specific details you should know: FHA requires a 3.5% Investment into the Property, which is lower than the 5% charged on most Conventional [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/single-parents-can-buy-a-home-in-north-carolina/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Underwriting Guidelines for NC</title>
		<link>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 22:57:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[fha condo guidelines]]></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[FHA Programs]]></category>
		<category><![CDATA[maximum fha loan limit]]></category>
		<category><![CDATA[non occupying co borrower]]></category>
		<category><![CDATA[underwriting guidelines fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1847</guid>
		<description><![CDATA[We talk to people everyday who have questions about qualifying for a FHA Mortgage Loan in NC.  FHA Underwriting Guidelines, are actually pretty straightforward.  Unlike qualifying for a VA Mortgage loan (where you must be a qualifying Veteran) or a USDA Home Loan (that requires that you meet income limits for your county and the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Compensating Factors and FHA</title>
		<link>http://ncfhaexpert.com/fha/compensating-factors-and-fha/</link>
		<comments>http://ncfhaexpert.com/fha/compensating-factors-and-fha/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 21:39:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha compensating factors]]></category>
		<category><![CDATA[fha credit]]></category>
		<category><![CDATA[fha credit requirements]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[fha minimum credit scores]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1572</guid>
		<description><![CDATA[I was at a seminar today that reminded me of one of my favorite things about FHA&#8230; the 5th C of Credit!  We&#8217;ve all heard about the other 4 C&#8217;s. Cash:  How much can you put into the property, how much have you saved? Credit:  Do you have a credit history?  If not, FHA will [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/compensating-factors-and-fha/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>USDA Home Loans and Deferred Student Payments</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 17:52:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[deferred student loans]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[student loans]]></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=1241</guid>
		<description><![CDATA[People are moving to Raleigh, and staying in the Triangle because we have jobs. Folks who are considering putting down roots here, and getting a North Carolina Home Loan need to learn more about how their Student Loans will be viewed by Underwriting Guidelines. Whether it is a USDA Home Loan, an FHA Loan, or [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy Fannie Mae Foreclosed Homes in NC</title>
		<link>http://ncfhaexpert.com/housing-news/1227/</link>
		<comments>http://ncfhaexpert.com/housing-news/1227/#comments</comments>
		<pubDate>Sat, 26 Feb 2011 15:35:08 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[homepath mortgage]]></category>
		<category><![CDATA[renovation loans]]></category>
		<category><![CDATA[wake county foreclosed homes]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1227</guid>
		<description><![CDATA[Fannie Mae Home Path mortgages offer low down payment with no mortgage insurance, including investment property.  These loans are available only for properties that are Fannie Mae Foreclosures.  They do not require private mortgage insurance, they only require a 3% downpayment if you will be occupying the property.  There&#8217;s NO appraisal required.  The downpayment can [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/1227/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA PMI Changes 4/18/2011 &#8211; Again</title>
		<link>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/</link>
		<comments>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 20:49:57 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[fha mortgage insurance]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha mortgage loans cary]]></category>
		<category><![CDATA[fha pmi]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1222</guid>
		<description><![CDATA[FHA Announced that they will be changing their Mortgage Insurance Premiums (sometimes called MIP or PMI) again effective April 18, 2011. This change, like so many others is not going to make the program any cheaper! FHA does not underwrite mortgages - they insure them against default, just like Private Mortgage Insurance Companies.  Because of [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/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[fha short sale]]></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>
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