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	<title>Picture Perfect San Diego &#187; CW Mortgage</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
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		<title>FHA Purchase: After 90 Days But Before 180 Days</title>
		<link>http://pictureperfectsandiego.com/2009/12/12/fha-purchase-after-90-days-but-before-180-days/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/12/fha-purchase-after-90-days-but-before-180-days/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 22:10:27 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[FHA 90-day rule]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9480</guid>
		<description><![CDATA[We have discussed FHA’s 90-day “anti-flip” policy a lot these days.  Basically, a buyer will be unable to obtain FHA insured financing if the subject property has been owned by the seller for less than 90 days, with some exceptions.
But did you know that FHA is still concerned from day 91 to day 180?  If [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>When Does It Makes Sense to Refinance?</title>
		<link>http://pictureperfectsandiego.com/2009/10/30/when-does-it-makes-sense-to-refinance/</link>
		<comments>http://pictureperfectsandiego.com/2009/10/30/when-does-it-makes-sense-to-refinance/#comments</comments>
		<pubDate>Sat, 31 Oct 2009 03:35:05 +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[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[best mortgage rates in san diego]]></category>
		<category><![CDATA[countywide mortgage]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[paul gonzales]]></category>
		<category><![CDATA[san diego home loans]]></category>
		<category><![CDATA[san diego lenders]]></category>
		<category><![CDATA[Windermere Exclusive Properties]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/2008/09/12/when-does-it-makes-sense-to-refinance/</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>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>High Balance Conforming Loans&#8230;Minimum Down Payment Requirements</title>
		<link>http://pictureperfectsandiego.com/2009/09/10/high-balance-conforming-loans-minimum-down-payment-requirements/</link>
		<comments>http://pictureperfectsandiego.com/2009/09/10/high-balance-conforming-loans-minimum-down-payment-requirements/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 20:29:39 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[high balance conforming loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=7633</guid>
		<description><![CDATA[Conventional loan amounts up to and including $417,000 are considered Conforming loans, or Agency loans, and are typically backed by Fannie Mae and Freddie Mac.
In San Diego County, conventional loan amounts greater than $417,000 and less than or equal to $697,500 are considered High Balance Conforming loans (also known as Conforming Plus, Conforming Jumbo, and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mortgage Rates Still In A Fantastic Place</title>
		<link>http://pictureperfectsandiego.com/2009/07/14/mortgage-rates-still-in-a-fantastic-place/</link>
		<comments>http://pictureperfectsandiego.com/2009/07/14/mortgage-rates-still-in-a-fantastic-place/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 04:58:36 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=6486</guid>
		<description><![CDATA[When rates shot up a month or so ago, we saw many potential San Diego real estate buyers get cold feet since 30 year fixed rates in the 4’s were gone.  These buyers felt that the home of their dreams was no longer available if their rate was not under 5%.  Face it, we were [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>$8,000 Tax Credit As Down Payment? Almost&#8230;</title>
		<link>http://pictureperfectsandiego.com/2009/05/20/8000-tax-credit-as-down-payment-almost/</link>
		<comments>http://pictureperfectsandiego.com/2009/05/20/8000-tax-credit-as-down-payment-almost/#comments</comments>
		<pubDate>Wed, 20 May 2009 15:03:05 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5856</guid>
		<description><![CDATA[Last week, HUD announced that the new $8,000 first-time home buyer tax credit could be used towards the down payment of the purchase of a primary residence.  The way that it would have worked is that a third party would front the tax credit money to the buyer.  The buyer would sign some sort of [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA, FNMA, and FHLMC Loan Limits In San Diego Returned To $697,500!</title>
		<link>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/</link>
		<comments>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 22:19:11 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Conforming loans]]></category>
		<category><![CDATA[conforming plus]]></category>
		<category><![CDATA[FHA Jumbo]]></category>
		<category><![CDATA[high balance conforming loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=4197</guid>
		<description><![CDATA[Well, it looks like the &#8220;new and improved&#8221; stimulus bill will have an immediate effect on mortgages.  Fannie Mae (FNMA), Freddie Mac (FHLMC), and the Federal Housing Administration (FHA) have announced that they are reinstating last year&#8217;s high balance conforming loan limits.
For 2008, FNMA and FHLMC, as well as FHA, would insure loan amounts up [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Great News! Fannie Mae To Allow Up To 10 Financed Properties Again!</title>
		<link>http://pictureperfectsandiego.com/2009/02/19/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/</link>
		<comments>http://pictureperfectsandiego.com/2009/02/19/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 20:07:57 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[financed properties]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[second homes]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=3804</guid>
		<description><![CDATA[One of the biggest hurdles many solvent investors have had these days is Fannie Mae&#8217;s (FNMA) limitation on the number of one- to four-unit financed properties.  This limit dropped to four properties over the last year or so, which has hamstrung many investors looking to add to their real estate portfolio.
However, according to FNMA Announcement [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/02/19/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>New Conforming Loan Limits Announced For 2009</title>
		<link>http://pictureperfectsandiego.com/2008/11/10/new-conforming-loan-limits-announced-for-2009/</link>
		<comments>http://pictureperfectsandiego.com/2008/11/10/new-conforming-loan-limits-announced-for-2009/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 19:08:13 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<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[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[2009 conforming loan limits]]></category>
		<category><![CDATA[Conforming loans]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[high cost conforming loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=2178</guid>
		<description><![CDATA[After months of speculation, we finally know what the new 2009 high balance conforming loan limits are for San Diego and other &#8220;high cost&#8221; areas.  The Federal Housing Finance Agency (FHFA) said that the $697,500 number we enjoyed for part of 2008 is dropping to $546,250 in San Diego.
Some areas such as Los Angeles-Orange Counties, [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/11/10/new-conforming-loan-limits-announced-for-2009/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>FHA Kiddie Condo&#8230;What Is That?</title>
		<link>http://pictureperfectsandiego.com/2008/10/08/kiddie-condowhat-is-that/</link>
		<comments>http://pictureperfectsandiego.com/2008/10/08/kiddie-condowhat-is-that/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 05:57:20 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[firt time homebuyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[opportunity]]></category>
		<category><![CDATA[rental property]]></category>
		<category><![CDATA[retirement home]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=1222</guid>
		<description><![CDATA[Many of my referral partners have asked about the FHA &#8220;Kiddie Condo&#8221; program.  I spoke about this several months ago, but now that FHA loans are more prevalent, I felt that it is a good time to revisit the details.  Here are a couple questions I have been asked recently:
Question: My child is now attending [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/10/08/kiddie-condowhat-is-that/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Update: Down Payment And Mortgage Insurance</title>
		<link>http://pictureperfectsandiego.com/2008/09/29/fha-update-mortgage-insurance-and-down-payment/</link>
		<comments>http://pictureperfectsandiego.com/2008/09/29/fha-update-mortgage-insurance-and-down-payment/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 04:05:35 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA home loans]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=915</guid>
		<description><![CDATA[We finally have some clarification regarding the effective dates of the new Federal Housing Administration (FHA) down payment requirement as well as the new FHA Upfront and Monthly Mortgage Insurance Premiums.
As many of you will remember, FHA is increasing their minimum investment from the buyer from 3.0% to 3.5%.  There were rumors that this was [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/09/29/fha-update-mortgage-insurance-and-down-payment/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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