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	<title>Home Loan Wholesale &#187; Loan Programs</title>
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	<description>Directory Listings of Top Lenders &#38; Loan Brokers Online</description>
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	<itunes:summary>Directory Listings of Top Lenders &amp; Loan Brokers Online</itunes:summary>
	<itunes:author>Home Loan Wholesale</itunes:author>
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		<item>
		<title>Home Refinancing Appealing But Tough to Qualify for</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/06/15/home-refinancing-appealing-but-tough-to-qualify-for/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/06/15/home-refinancing-appealing-but-tough-to-qualify-for/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 00:07:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Home Mortgage Rates]]></category>
		<category><![CDATA[Home Refinance Articles]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Rate News]]></category>
		<category><![CDATA[Bryan Dornan]]></category>
		<category><![CDATA[no cost home loans]]></category>
		<category><![CDATA[no cost refinancing]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=107</guid>
		<description><![CDATA[Mortgage refinance rates have dropped almost two percentage points below their housing boom peak and they remain available at record lows.  Freddie Mac reported that mortgage rate average fell to the lowest point in 2010 4.72% plus 0.7 point for a fixed rate home loan on a thirty-year term.  Clearly this is a great time [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homebuyer Tax Credit Extended</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/02/03/homebuyer-tax-credit-extended/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/02/03/homebuyer-tax-credit-extended/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 16:18:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Government Loans]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>
		<category><![CDATA[Published Articles]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=84</guid>
		<description><![CDATA[According to data released by the Commerce Department’s Census Bureau and the Department of Housing and Urban Development, the expansion to the homebuyer tax credit, an exceptional government stimulus measure was passed to boost housing activity, new home sales took a 7.6% decline in December. The results come on the heels of National Association of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Underwriting Tightening</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/01/22/fha-underwriting-tightening/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/01/22/fha-underwriting-tightening/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 23:53:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=78</guid>
		<description><![CDATA[FHA announced they will continue to allow borrowers to finance the upfront mortgage insurance premiums.  FHA will pursue legislative authority to allow flexibility to bring the annual premium, which borrowers pay on a monthly basis, higher. Also, seller concessions will be reduced to 3% from 6%.  In a recent blog post, the FHA Mortgage Lending Blog stated that the Administration [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MBA Predicts Higher Mortgage Rates and Less Home Loan Originations</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/12/14/mba-predicts-higher-mortgage-rates-and-less-home-loan-originations/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/12/14/mba-predicts-higher-mortgage-rates-and-less-home-loan-originations/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 00:43:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=68</guid>
		<description><![CDATA[Slowly rising mortgage interest rates along with relatively sluggish home sales will have repercussions in the mortgage industry over the next few quarters according to the Mortgage Bankers Associations Mortgage Finance Forecast for the Fourth Quarter of 2009.  &#8220;The most important factor driving recent declines in real estate market activity and increases in home loan delinquencies [...]]]></description>
		<wfw:commentRss>http://www.homeloanwholesale.com/blog/index.php/2009/12/14/mba-predicts-higher-mortgage-rates-and-less-home-loan-originations/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Refinance Guidelines Improving</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/11/11/mortgage-refinance-guidelines-improving/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/11/11/mortgage-refinance-guidelines-improving/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 23:26:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Government Loans]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Published Articles]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=66</guid>
		<description><![CDATA[Mortgage rates are at record levels and refinance guidelines are beginning to lighten up for homeowners with no equity.  The government announced the HARP program that promotes affordable home refinancing with flexible requirements.  People can refinance from 105 to 125%, but no cash out is allowed with these special government relief loans. These government 125 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Refinance Loans to 125%</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/11/02/fannie-mae-refinance-loans-to-125/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/11/02/fannie-mae-refinance-loans-to-125/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 05:57:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Conventional]]></category>
		<category><![CDATA[Fannie Mae News]]></category>
		<category><![CDATA[Freddie Mac News]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=65</guid>
		<description><![CDATA[Fannie Mae provides several refinance options including the Home Affordable Refinance Program.  Fannie Mae refinance solutions are only available eligible borrowers who have a mortgage balance less than $417,000 that is owned by Fannie Mae.  125 mortgage options are available for no equity home refinancing. Fannie Mae Refinance Plus simplifies the refinancing process for loans [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinance or Mortgage Modification with Bad Credit or No Equity</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/06/05/refinance-or-mortgage-modification-with-bad-credit-or-no-equity/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/06/05/refinance-or-mortgage-modification-with-bad-credit-or-no-equity/#comments</comments>
		<pubDate>Fri, 05 Jun 2009 16:40:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Broker Tips]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Foreclosure Crisis News]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[VA Home Loan News]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA refinance]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[Veterans Administration]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=57</guid>
		<description><![CDATA[In a recent article, California mortgage broker, Jeff Morris, formerly with GMAC and Ditech estimated that one in ten of homeowners who visit him online are able to get approved for a conventional or FHA refinance.  Morris said, “People simply don’t qualify with the mortgage lenders tighter guidelines and lack of home equity.“ Borrowers seeking [...]]]></description>
		<wfw:commentRss>http://www.homeloanwholesale.com/blog/index.php/2009/06/05/refinance-or-mortgage-modification-with-bad-credit-or-no-equity/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Streamline for VA Home Loan Refinancing</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/06/03/streamline-for-va-home-loan-refinancing/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/06/03/streamline-for-va-home-loan-refinancing/#comments</comments>
		<pubDate>Wed, 03 Jun 2009 19:19:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[VA Home Loan News]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA loan]]></category>
		<category><![CDATA[VA mortgage lenders]]></category>
		<category><![CDATA[VA streamline]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=56</guid>
		<description><![CDATA[Mortgage brokers continue to report that FHA mortgage and VA home loans are the hottest products in the home financing sectors of the U.S.  The VA provides low mortgage rates for streamline programs to veterans who currently have a loan guaranteed by the U.S. Department of Veterans Affairs.  In addition to the VA streamline refinancing, [...]]]></description>
		<wfw:commentRss>http://www.homeloanwholesale.com/blog/index.php/2009/06/03/streamline-for-va-home-loan-refinancing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>US Homeowners Looking for Low Rate Home Refinancing</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/03/31/us-homeowners-looking-for-low-rate-home-refinancing/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/03/31/us-homeowners-looking-for-low-rate-home-refinancing/#comments</comments>
		<pubDate>Tue, 31 Mar 2009 22:04:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[fixed interest rate]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[loan fees]]></category>
		<category><![CDATA[mortgage applications]]></category>
		<category><![CDATA[mortgage rate]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=55</guid>
		<description><![CDATA[Record low interest rates on mortgage refinance loans have been drawing more buyers to the stalled housing market, new figures suggest. Data from the Mortgage Bankers Association reveals that total home financing applications that includes refinancing and new home purchase loans jumped by nearly 33 % last week. Existing homeowners looking for a better mortgage payment with a [...]]]></description>
		<wfw:commentRss>http://www.homeloanwholesale.com/blog/index.php/2009/03/31/us-homeowners-looking-for-low-rate-home-refinancing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Obama’s Mortgage Plan for Fannie Mae &amp; Freddie Mac Need Legal Nod</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2009/02/24/obama%e2%80%99s-mortgage-plan-for-fannie-mae-freddie-mac-need-legal-nod/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2009/02/24/obama%e2%80%99s-mortgage-plan-for-fannie-mae-freddie-mac-need-legal-nod/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 19:00:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Foreclosure Crisis News]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Loan-to-Value Ratio]]></category>
		<category><![CDATA[mortgage lending]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[mortgage modification]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=50</guid>
		<description><![CDATA[In a recent Bloomberg article, President Barack Obama rolls out plan to use mortgage lending giants Fannie Mae and Freddie Mac to refinance as many as 5 million home mortgages may face legal challenges over whether the administration is overstepping its authority.   The proposal may violate requirements that homeowners put up at least 20% of [...]]]></description>
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		<slash:comments>0</slash:comments>
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