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	<title>NC FHA Expert &#187; fha mortgage loans</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Sat, 04 Feb 2012 13:56:38 +0000</lastBuildDate>
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			<item>
		<title>Mortgage Programs To Purchase Foreclosed Property</title>
		<link>http://ncfhaexpert.com/housing-news/mortgage-programs-to-purchase-foreclosed-property/</link>
		<comments>http://ncfhaexpert.com/housing-news/mortgage-programs-to-purchase-foreclosed-property/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 21:12:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[buying distressed homes]]></category>
		<category><![CDATA[buying foreclosure property]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[mortgage programs for distressed homes]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[veteran home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1650</guid>
		<description><![CDATA[ There are tons of people who know that we are at or near the bottom of the real estate market, and they are ready to purchase a home.  Many of the folks we are talking to are looking at foreclosed property, because they believe they can get the best deals.  There are some special points [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Repair Requirements 2011 in North Carolina</title>
		<link>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/</link>
		<comments>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 16:12:49 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[does fha require a dishwasher]]></category>
		<category><![CDATA[fha appliance requirements]]></category>
		<category><![CDATA[fha appraisal requirements]]></category>
		<category><![CDATA[fha heating requirements]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha property requirements]]></category>
		<category><![CDATA[FHA repair Requirements]]></category>
		<category><![CDATA[how to buy a foreclosed home]]></category>
		<category><![CDATA[how to buy foreclosed property]]></category>
		<category><![CDATA[in ground oil tanks fha]]></category>
		<category><![CDATA[what does seller have to fix]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=2334</guid>
		<description><![CDATA[FHA Mortgage Underwriting Requirements for repairs are really quite different than they were several years ago, before there were so many foreclosed and distressed homes on the market in North Carolina.  In 2011,  FHA Home Loan Financing is one of the most popular programs available, because it is &#8220;forgiving&#8221; to folks who have had some [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-repair-requirements-2011-in-north-carolina/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seller Paying Closing Costs For Your New Home?</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/seller-paying-your-closing-costs-for-your-new-home/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/seller-paying-your-closing-costs-for-your-new-home/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 22:13:52 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[closing costs paid by seller]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[seller concessions]]></category>
		<category><![CDATA[seller paid closing costs]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1233</guid>
		<description><![CDATA[Sellers can pay the closing costs for the buyer in many cases &#8211; however, just like everything else associated with getting a mortgage these days, you need to know the rules, to be sure the underwriters will accept it!  Ignorance of the rules can turn a seller contribution to closing costs into a Catch-22. Why [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/seller-paying-your-closing-costs-for-your-new-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>97% Mortgage Loan Program Can Get A Gift For The 3% Downpayment in NC</title>
		<link>http://ncfhaexpert.com/housing-news/97-mortgage-loan-program-can-get-a-gift-for-the-3-downpayment-in-nc/</link>
		<comments>http://ncfhaexpert.com/housing-news/97-mortgage-loan-program-can-get-a-gift-for-the-3-downpayment-in-nc/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 13:06:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[buying distressed property]]></category>
		<category><![CDATA[conventional loan 3% downpayment]]></category>
		<category><![CDATA[down payment gift]]></category>
		<category><![CDATA[downpayment gift]]></category>
		<category><![CDATA[fha home loan nc]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[gift for buying a house]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1840</guid>
		<description><![CDATA[Until recently, borrowers with down payment money representing less than 5% of a property’s purchase price were limited to FHA loans. We now offer a Fannie Mae program that requires only a 3% down payment, and that 3% can be a gift! Unlike USDA Home Loans, you do NOT have to be within a “Rural” [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/97-mortgage-loan-program-can-get-a-gift-for-the-3-downpayment-in-nc/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>
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		<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>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 Guidelines About Using Rental Income in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 21:53:30 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha guidelines rental ncome]]></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 new job]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha rental income]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1154</guid>
		<description><![CDATA[If you are moving to North Carolina, and you are going to rent your current home, there are a couple of things you should know about qualifying for an FHA Mortgage Loan for your new house. If you qualify for both payments &#8211; then it&#8217;s a pretty easy deal. If you need to count some [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/profile-of-2009-2010-first-time-home-buyer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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