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	<title>Picture Perfect San Diego &#187; Paul Gonzales</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
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		<title>Countywide Mortgage Update: Buy Your Home with 3% Down and No Mortgage Insurance!</title>
		<link>http://pictureperfectsandiego.com/2011/06/15/countywide-mortgage-update-buy-your-home-with-3-down-and-no-mortgage-insurance/</link>
		<comments>http://pictureperfectsandiego.com/2011/06/15/countywide-mortgage-update-buy-your-home-with-3-down-and-no-mortgage-insurance/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 23:50:13 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Great Real Estate Deals]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Living]]></category>
		<category><![CDATA[Real Living Lifestyles]]></category>
		<category><![CDATA[San Diego]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=16925</guid>
		<description><![CDATA[Not a bad deal!  The key is purchasing a property owned by Fannie Mae through it’s HomePath program.  These homes are eligible for special financing terms that are available no where else. Financing Benefits to You 3% down payment – can be your own funds or a gift from a qualified person or organization No [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Countywide Mortgage Update – Higher Mortgage Rates and Lower Loan Amounts Coming Soon?</title>
		<link>http://pictureperfectsandiego.com/2011/06/14/countywide-mortgage-update-%e2%80%93-higher-mortgage-rates-and-lower-loan-amounts-coming-soon/</link>
		<comments>http://pictureperfectsandiego.com/2011/06/14/countywide-mortgage-update-%e2%80%93-higher-mortgage-rates-and-lower-loan-amounts-coming-soon/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 21:10:57 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[Area Information]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Coastal Living]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Properties]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Living]]></category>
		<category><![CDATA[Real Living Lifestyles]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[buy a home in san diego]]></category>
		<category><![CDATA[conventional loans]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[higher rates]]></category>
		<category><![CDATA[home loans in san diego]]></category>
		<category><![CDATA[HUD loan limits]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[QE2]]></category>
		<category><![CDATA[quantitative easing]]></category>
		<category><![CDATA[southern california real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=16904</guid>
		<description><![CDATA[HEADS UP!  The cost of real estate financing may be going up, and the size of cheaper loans may be going down – all very shortly! Since I last reported on this in April, the Federal government has done nothing to change either of these two prospects. Higher Rates On June 30th the Federal Reserve [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Countywide Mortgage Update: NAR Lobbies Against Raising The FHA Minimum Down Payment</title>
		<link>http://pictureperfectsandiego.com/2011/05/25/countywide-mortgage-update-nar-lobbies-against-raising-the-fha-minimum-down-payment/</link>
		<comments>http://pictureperfectsandiego.com/2011/05/25/countywide-mortgage-update-nar-lobbies-against-raising-the-fha-minimum-down-payment/#comments</comments>
		<pubDate>Wed, 25 May 2011 21:47:39 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[San Diego]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=16794</guid>
		<description><![CDATA[Ron Phipps, President of the National Association of Realtors, issued a press release today lobbying to maintain the current FHA loan limits as well as the current 3.5% minimum down payment. As things stand today the maximum FHA (and Fannie Mae / Freddie Mac) “High Balance” loan limit in San Diego County is $697,500.  Barring [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Countywide Mortgage Update &#8211; Home Buyers and Sellers: Two Important Events That Will Affect You Very Soon</title>
		<link>http://pictureperfectsandiego.com/2011/04/27/countywide-mortgage-update-home-buyers-and-sellers-two-important-events-that-will-affect-you-very-soon/</link>
		<comments>http://pictureperfectsandiego.com/2011/04/27/countywide-mortgage-update-home-buyers-and-sellers-two-important-events-that-will-affect-you-very-soon/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 23:03:58 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[Area Information]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[New Homes]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[fewer buyers]]></category>
		<category><![CDATA[high interest rates]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[QE2]]></category>
		<category><![CDATA[reduced buying power]]></category>
		<category><![CDATA[the fed]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=16528</guid>
		<description><![CDATA[If you are planning to either purchase or sell a property this year, there are two scheduled events coming up rapidly that may have a significant impact on you: Higher Interest Rates? On July 1st the Federal Reserve will complete its $600 Billion dollar purchases of US Treasury Bonds. Many analysts believe that with the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Yes – You May Still Deduct Mortgage Insurance (PMI) – For Now</title>
		<link>http://pictureperfectsandiego.com/2011/03/15/yes-%e2%80%93-you-may-still-deduct-mortgage-insurance-pmi-%e2%80%93-for-now/</link>
		<comments>http://pictureperfectsandiego.com/2011/03/15/yes-%e2%80%93-you-may-still-deduct-mortgage-insurance-pmi-%e2%80%93-for-now/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 21:48:42 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Industry Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[New Homes]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[PMI]]></category>
		<category><![CDATA[tax breaks]]></category>
		<category><![CDATA[tax deduction]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=16080</guid>
		<description><![CDATA[Although Congress passed this law back in 2007 and extended it through this year (2011), this remains a common question for owners of real estate.  Mortgage insurance is typically a monthly expense that occurs when a property is purchased with less than 20% down payment or refinanced with less than 20% equity. Homeowners who itemize [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Great News For San Diego! &#8211; Congress Extends 2010 Loan Limits Through 2011</title>
		<link>http://pictureperfectsandiego.com/2010/09/30/great-news-for-san-diego-congress-extends-2010-loan-limits-through-2011/</link>
		<comments>http://pictureperfectsandiego.com/2010/09/30/great-news-for-san-diego-congress-extends-2010-loan-limits-through-2011/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 00:36:52 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Industry Updates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA loan limits]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[maximum loan limits]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=14080</guid>
		<description><![CDATA[Congress just passed a resolution extending the 2010 maximum conventional and FHA loan limits through 2011.  This is especially good news in &#8220;high-cost&#8221; markets like Southern California.  The conventional limit will remain at $417,000 and the &#8220;high-balance&#8221; limit in San Diego County will remain at $697,500.  These maximum limits apply to both conventional (Fannie Mae [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/09/30/great-news-for-san-diego-congress-extends-2010-loan-limits-through-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cost of FHA Mortgage Insurance to Increase October 4th</title>
		<link>http://pictureperfectsandiego.com/2010/09/02/cost-of-fha-mortgage-insurance-to-increase-october-4th/</link>
		<comments>http://pictureperfectsandiego.com/2010/09/02/cost-of-fha-mortgage-insurance-to-increase-october-4th/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 19:15:01 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[San Diego]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=13402</guid>
		<description><![CDATA[With the passage of HR 5981 Congress has given the FHA the ability to change the mortgage insurance premiums it charges on FHA-insured loans without any further &#8220;acts of Congress&#8221;.  As a result, the FHA has announced that effective October 4th, the Up Front Mortgage Insurance Premium (UFMIP) charged to home buyers will be reduced [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/09/02/cost-of-fha-mortgage-insurance-to-increase-october-4th/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When Does It Makes Sense to Refinance?</title>
		<link>http://pictureperfectsandiego.com/2010/09/01/when-does-it-makes-sense-to-refinance-2/</link>
		<comments>http://pictureperfectsandiego.com/2010/09/01/when-does-it-makes-sense-to-refinance-2/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 20:20:41 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[San Diego]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=13374</guid>
		<description><![CDATA[Trying to decide whether or not to refinance your mortgage can be like trying to find treasure on a deserted island.  You can shovel a lot of sand and still come up empty-handed at the end of the day.  However, you can sift it all down and find that nugget of wisdom rather quickly if [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/09/01/when-does-it-makes-sense-to-refinance-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Shopping for a Home Loan – Be Sure to Compare Apples to Apples</title>
		<link>http://pictureperfectsandiego.com/2010/08/11/shopping-for-a-home-loan-%e2%80%93-be-sure-to-compare-apples-to-apples/</link>
		<comments>http://pictureperfectsandiego.com/2010/08/11/shopping-for-a-home-loan-%e2%80%93-be-sure-to-compare-apples-to-apples/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 00:50:49 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[annual percentage rate]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[comparing  interest rates]]></category>
		<category><![CDATA[paying points]]></category>
		<category><![CDATA[rate quotes]]></category>
		<category><![CDATA[shopping for a home loan]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=12907</guid>
		<description><![CDATA[You’re a smart cookie, so you called five different lenders and “shopped” for your home loan. If you are like most folks, you asked “what’s your rate?” and each lender tossed you a quote.  What’s your next move – do you go with the guy that quoted you the lowest rate?  You probably shouldn’t and [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/08/11/shopping-for-a-home-loan-%e2%80%93-be-sure-to-compare-apples-to-apples/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BEWARE! The Type of Property You Choose May Affect Your Loan Approval!</title>
		<link>http://pictureperfectsandiego.com/2010/08/05/beware-the-type-of-property-you-choose-may-affect-your-loan-approval-2/</link>
		<comments>http://pictureperfectsandiego.com/2010/08/05/beware-the-type-of-property-you-choose-may-affect-your-loan-approval-2/#comments</comments>
		<pubDate>Thu, 05 Aug 2010 22:28:20 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Find A Home]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[New Homes]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=12770</guid>
		<description><![CDATA[Most people know they need to look their best when trying to get approved for a mortgage. Like brushing our teeth and combing our hair for a family portrait, we know that our credit scores, job history and general financial health are important.  (To see how to avoid common pitfalls after you have been approved [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/08/05/beware-the-type-of-property-you-choose-may-affect-your-loan-approval-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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