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	<title>NC FHA Expert &#187; foreclosed property</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
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		<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>
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		<title>Bankruptcy and VA Home Loans</title>
		<link>http://ncfhaexpert.com/va-loans/bankruptcy-and-va-home-loans/</link>
		<comments>http://ncfhaexpert.com/va-loans/bankruptcy-and-va-home-loans/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 20:20:26 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy and va loans]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[va mortgage loans]]></category>
		<category><![CDATA[va mortgages]]></category>
		<category><![CDATA[veterans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1336</guid>
		<description><![CDATA[We are talking to folks every week who lost a job in the last several years, lost medical insurance &#8211; or had some other tragedy that made it necessary for them to take steps they never thought they would have to.  The reality is that in today’s economic conditions, unfortunately, bankruptcy has been the only [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Housing Prices and Bank Regulation</title>
		<link>http://ncfhaexpert.com/housing-news/housing-prices-and-bank-regulation/</link>
		<comments>http://ncfhaexpert.com/housing-news/housing-prices-and-bank-regulation/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 18:44:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[Home Prices Charlotte NC]]></category>
		<category><![CDATA[Home Prices Raleigh NC]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[Real Estate Agents]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=949</guid>
		<description><![CDATA[The Basel III (Bank Regulation) requirements were discussed in exhausted terms this weekend, and there are many questions left unanswered. These details are important as we know that Banks are being forced to write off billions of dollars in loans to properties that are now vacant due to foreclosures. An article in the WSJ today [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>It&#8217;s Still A Buyer&#8217;s Market</title>
		<link>http://ncfhaexpert.com/housing-news/existing-home-sales-april-2010/</link>
		<comments>http://ncfhaexpert.com/housing-news/existing-home-sales-april-2010/#comments</comments>
		<pubDate>Tue, 25 May 2010 13:05:59 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[economic forecast]]></category>
		<category><![CDATA[Existing Home Sales]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[Home Supply]]></category>
		<category><![CDATA[mortgage lender nc]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[raleigh home sales]]></category>
		<category><![CDATA[Triangle Housing Market]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=701</guid>
		<description><![CDATA[New National Association of Realtors numbers on the health of housing, were released this morning.  Over all, the number of Existing Homes that sold in April rose, probably because of the $8000 home buyer tax credit that expired at the end of the month... the fact that mortgage rates are also exceptionally low probably helped too! 8o)]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>First Time Home Buyer Purchasing Plan</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-purchasing-plan/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-purchasing-plan/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 15:32:38 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></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 home buyers]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=634</guid>
		<description><![CDATA[Are you trying to purchase a home and take advantage of the new Tax Credit??  Well, you&#8217;re not alone, and as a First Time Home Buyer&#8230; the task is now even more overwhelming because of the number of foreclosures, short sales, and standard sales available. Each of these types of sale have widely varying terms and [...]]]></description>
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		<slash:comments>0</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>FHA Has Problems According to CBS Report</title>
		<link>http://ncfhaexpert.com/fha/fha-has-problems-according-to-cbs-report/</link>
		<comments>http://ncfhaexpert.com/fha/fha-has-problems-according-to-cbs-report/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 14:23:57 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[fha loans 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 home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=440</guid>
		<description><![CDATA[This news report last night on CBS about FHA was interesting! FHA / HUD does not make loans, they only insure them. It&#8217;s one of the BEST programs available to first time home buyers!  Yes, there are people who are defaulting on loans&#8230; at a rate of around 9%&#8230; But that&#8217;s roughly what Un-employment is [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-has-problems-according-to-cbs-report/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[FHA mortgage loans fha loans cary]]></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>USDA Appraisal Requirement Change July 1, 2009</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-appraisal-requirement-change-july-1-2009/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-appraisal-requirement-change-july-1-2009/#comments</comments>
		<pubDate>Fri, 26 Jun 2009 17:30:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loan apex]]></category>
		<category><![CDATA[usda home loan wake forest]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[usda home loans holly springs]]></category>
		<category><![CDATA[usda home loans johnston county]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=155</guid>
		<description><![CDATA[Beginning July 1, 2009 USDA is requiring the updated Freddie Mac/ Fannie Mae appraisal in their packages.  As with any change, there are some potential drawbacks. USDA home loans are made in genearlly rural areas.  The new Freddie/Fannie appraisal is designed specifically to identify for the underwriter any recent changes (read DECLINING changes) identified in a [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-appraisal-requirement-change-july-1-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Cashout Refinance Changes</title>
		<link>http://ncfhaexpert.com/fha/fha-cashout-refinance-changes/</link>
		<comments>http://ncfhaexpert.com/fha/fha-cashout-refinance-changes/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 12:34:16 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[cashout refinance]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=149</guid>
		<description><![CDATA[You have 2 weeks to make application if you want to take cash out of your home using a FHA refinance. The technical explination of &#8220;cash out refinance&#8221; is when more than the balance of the mortgage and closing costs are included in the new loan amount. This could be in the form of cash [...]]]></description>
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