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	<title>NC FHA Expert &#187; FHA Programs</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
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		<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>Kiddie Condos are Not Just for Kiddies!</title>
		<link>http://ncfhaexpert.com/fha/kiddie-condos-are-not-just-for-kiddies/</link>
		<comments>http://ncfhaexpert.com/fha/kiddie-condos-are-not-just-for-kiddies/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 21:51:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[buying a house with a parent]]></category>
		<category><![CDATA[buying a house with your dad]]></category>
		<category><![CDATA[fha non occupying co borrower]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[kiddie condos fha]]></category>
		<category><![CDATA[non occupying co borrower]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1593</guid>
		<description><![CDATA[Kiddie Condo Loans refer to a FHA provision that allows for non-occupying co-borrowers.  Parents like us, with kids in college, come out a LOT better owning a unit with the student, and renting it back out.  We&#8217;ve done many of these for our friends &#8211; and most of them were NOT condo units.  It&#8217;s just [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/kiddie-condos-are-not-just-for-kiddies/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>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Adding Capital Fast Enough?</title>
		<link>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/</link>
		<comments>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 19:03:16 +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 cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[mip]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1107</guid>
		<description><![CDATA[David Stevens, the head of FHA answered questions last week about weather or not his agency would need a &#8220;Bailout&#8221; from taxpayers. FHA doesn&#8221;t make loans, but they insure them, and with so many people without jobs, and properties being foreclosed on&#8230; that insurance fund has been tapped into pretty hard. That&#8217;s one of the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA PMI Changes 10/4/2010</title>
		<link>http://ncfhaexpert.com/fha/fha-pmi-changes-1042010/</link>
		<comments>http://ncfhaexpert.com/fha/fha-pmi-changes-1042010/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 22:15:50 +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 cary]]></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 loan nc]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=874</guid>
		<description><![CDATA[For about the 5th time in the last 36 months FHA is changing the way it charges Mortgage Insurance.  While this is a pretty major shift in the Way Mortgage Insurance is calculated for FHA, it&#8217;s only about a net $20 per $100K borrowed difference. HISTORY of FHA&#8217;s PMI (Mortgage Insurance) First off, it&#8217;s not [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-pmi-changes-1042010/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Income Qualifications FHA Mortgage Loans in NC</title>
		<link>http://ncfhaexpert.com/fha/income-qualifications-fha-mortgage-loans-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/income-qualifications-fha-mortgage-loans-in-nc/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 15:09:02 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[fha home loan nc]]></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 nc]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha rental income]]></category>
		<category><![CDATA[income qualifications fha mortgage loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=854</guid>
		<description><![CDATA[FHA Mortgage Loans are generally easier to qualify for than a more Conventional Home Loan from Fannie Mae or Freddie Mac.   Specific income qualifications we use to qualify borrowers for mortgage Loans:  FHA allows us to &#8220;count&#8221; part time income if you have more than an 18 month history of working 2 jobs.  We can [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/income-qualifications-fha-mortgage-loans-in-nc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Appraisal Requirements 2010</title>
		<link>http://ncfhaexpert.com/fha/fha-appraisal-requirements-2010/</link>
		<comments>http://ncfhaexpert.com/fha/fha-appraisal-requirements-2010/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 22:49:05 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[appraisal requirements]]></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[hvcc]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=839</guid>
		<description><![CDATA[Earlier this year, FHA clarified who was qualified to perform an appraisal.  This seems kinda&#8217; silly, because the appraisers must be on the FHA Appraiser&#8217;s Roster&#8230; but with the HVCC ruling in May of 2009, big banks started using &#8220;management&#8221; companies to handle the appraisal process.  The companies quickly became a profit center for the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-appraisal-requirements-2010/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Guidelines on New Jobs</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-on-new-jobs/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-on-new-jobs/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 23:02:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha guidelines new job]]></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[first job fha mortgage loan]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[how many paystubs fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=788</guid>
		<description><![CDATA[Maybe you just graduated from College &#8211; or maybe you have been out of work and are so excited because you finally got a job!  YEAH!  You have a new job, and now you want to get a new house! Well &#8211; go ahead and buy a house.  If you are getting a FHA Mortgage [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DRATS!  FHA is Getting More Expensive!</title>
		<link>http://ncfhaexpert.com/fha/drats-fha-is-getting-more-expensive/</link>
		<comments>http://ncfhaexpert.com/fha/drats-fha-is-getting-more-expensive/#comments</comments>
		<pubDate>Tue, 15 Jun 2010 13:19:38 +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 nc]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></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[home loans fha]]></category>
		<category><![CDATA[monthly mortgage insurance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgage loans fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=764</guid>
		<description><![CDATA[As we reported in April, Washington is trying to offset the costs of FHA foreclosures&#8230; and so it appears that FHA mortgage Loans are going to get more expensive. Many folks don&#8217;t realize that FHA doesn&#8217;t really MAKE loans&#8230; they just INSURE them. Last week, the House of Representatives gave the FHA power to raise [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/drats-fha-is-getting-more-expensive/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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