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	<title>NC FHA Expert &#187; mortgage</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Mon, 21 May 2012 13:58:59 +0000</lastBuildDate>
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		<title>USDA No Money Down Mortgage</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-no-money-down-mortgage/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-no-money-down-mortgage/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 14:50:34 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[best mortgage rates raleigh]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fuquay varina]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[todays best mortgage rates]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=121</guid>
		<description><![CDATA[We&#8217;ve helped many customers buy homes with an old program offered through the USDA&#8230; not to buy farms&#8230; HOMES. The Rurual Economic Development Fund is what it use to be called, now it&#8217;s just a part of the USDA RD Home Loan Program, and the goal is to provide mortgages, and incentives for folks to [...]]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>You Can&#8217;t Compare Rent Payments to House Payments</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/compare-rent-to-house-payments/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/compare-rent-to-house-payments/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 13:14:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[benefits of homeownership]]></category>
		<category><![CDATA[buying forelcosed homes]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how to buy foreclosed homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[steve thorne]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=142</guid>
		<description><![CDATA[Buy a House, Get a Raise! I've told people this for years, and they don't always understand.  You see, when you purchase a house, it gives you a tax incentive, and so if you are paying $1200 a month for a mortgage payment you are likely writing off at least $400 a month in interest and taxes!

So a house / mortgage payment of $1200 does not compare with a rental payment of the same thing!  Buying a house can be an emotional experience,  but there are benefits to homeownership too!]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/compare-rent-to-house-payments/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Improve Your Score 50 Points &#8211; NOW!</title>
		<link>http://ncfhaexpert.com/credit/improve-your-score-50-points-now/</link>
		<comments>http://ncfhaexpert.com/credit/improve-your-score-50-points-now/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 16:17:53 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[home loans nc]]></category>
		<category><![CDATA[minimum credit score fha]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[underwriter guidelines mortgage]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=111</guid>
		<description><![CDATA[We&#8217;ve written many times here about writing dispute letters when you have incorrect items on your report.  In addition to this, you could improve your score by 50 points if you would do the following: Pay off any verified bad credit item on your report. In exchange for your payment have the lender remove the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>I Have A Repo on My Credit Report Can I Buy a House?</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/i-have-repo-on-my-credit-report-can-i-buy-a-house/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/i-have-repo-on-my-credit-report-can-i-buy-a-house/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:09:15 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[car reposession]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha credit guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=122</guid>
		<description><![CDATA[I&#8217;ve had several of these questions lately, and I figured I&#8217;d let you know what I&#8217;m seeing. Just because you have a repossession on your credit report does not mean that you have to delay in purchasing a home&#8230; but that doen&#8217;t mean it&#8217;s not a problem. Okay, so let&#8217;s say you have a repossession [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/i-have-repo-on-my-credit-report-can-i-buy-a-house/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Raleigh NC Top Public School Recognition</title>
		<link>http://ncfhaexpert.com/housing-news/raleigh-nc-top-public-school-recognition/</link>
		<comments>http://ncfhaexpert.com/housing-news/raleigh-nc-top-public-school-recognition/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 12:51:55 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[ghhs cary nc]]></category>
		<category><![CDATA[green hope high school cary nc]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[moving to cary nc]]></category>
		<category><![CDATA[relocation]]></category>
		<category><![CDATA[relocation to raleigh]]></category>
		<category><![CDATA[wake county public school rankings]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=910</guid>
		<description><![CDATA[&#8220;Yep, just another reason to move to Raleigh!&#8221; is what one friend wrote on Facebook after seeing that Raleigh was named the Top Public School System for Large Populations over 300,000 by Great Schools. Also in the Top Five School Systems the report lists Colorado Springs, Mesa Arizona, Honolulu and Virginia Beach. We live in [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA Rural Development Switching Underwriters</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-rural-development-switching-underwriters/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-rural-development-switching-underwriters/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 20:55:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[no money down mortgage]]></category>
		<category><![CDATA[usda]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[USDA mortgages]]></category>
		<category><![CDATA[usda rd home loans]]></category>
		<category><![CDATA[USDA Rural Development Home Loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=846</guid>
		<description><![CDATA[USDA Rural Development Single Family Housing announced some consolidation and changes regarding WHERE files are going to be processed. No matter who originates a USDA home loan, it is re-underwritten (or processed) through a local USDA office. In the past, loans for Wake County went to Wake, Johnston County went to Sanford and Franklin County [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-rural-development-switching-underwriters/feed/</wfw:commentRss>
		<slash:comments>2</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 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[monthly mortgage insurance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=764</guid>
		<description><![CDATA[FHA Continues to make changes to their PMI Rates.  Because of the number of defaults &#8211; the monthly rates and the upfront rates for FHA Mortgage Insurance continues to change.  We keep this information on the site for folks who received a FHA Mortgage loan on, or around June of 2010.  We do have the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/drats-fha-is-getting-more-expensive/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fewer New Homes on The Market Nationwide</title>
		<link>http://ncfhaexpert.com/housing-news/new-home-sales-april-2010/</link>
		<comments>http://ncfhaexpert.com/housing-news/new-home-sales-april-2010/#comments</comments>
		<pubDate>Fri, 28 May 2010 13:08:00 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[New Home Sales]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=725</guid>
		<description><![CDATA[At the current sales pace, the nation's complete supply of new homes would be sold in just 5 month's time.  That's more than double the pace of a year ago.
]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/new-home-sales-april-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<category><![CDATA[credit score requirements]]></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[first time home buyers]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=151</guid>
		<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>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Veterans Not Allowed to Pay all Closing Costs</title>
		<link>http://ncfhaexpert.com/va-loans/veterans-not-allowed-to-pay-all-closing-costs/</link>
		<comments>http://ncfhaexpert.com/va-loans/veterans-not-allowed-to-pay-all-closing-costs/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 22:27:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[VA home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[va mortgage loans]]></category>
		<category><![CDATA[veterans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=620</guid>
		<description><![CDATA[A new Good Faith Estimate went into effect on January 1, 2010 and because of all the requirements that go with any new Government Regulated Form&#8230; FHA came out in January with a list of fees they felt like were reasonable for Homeowners to Pay and Lenders to Collect. Which prompted the VA to come [...]]]></description>
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		<slash:comments>0</slash:comments>
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