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	<title>Picture Perfect San Diego &#187; FHA loans</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 – 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>
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		<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>The Federal Government:  Lender-in-Fact</title>
		<link>http://pictureperfectsandiego.com/2010/05/05/the-federal-government-lender-in-fact-2/</link>
		<comments>http://pictureperfectsandiego.com/2010/05/05/the-federal-government-lender-in-fact-2/#comments</comments>
		<pubDate>Wed, 05 May 2010 19:19:13 +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[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
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		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[government as lender?]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=11449</guid>
		<description><![CDATA[Fannie Mae, Freddie Mac and the FHA accounted for 96.5% of all home loans originated in the first quarter of this year as reported in the Wall Street Journal. That, folks, leaves only 3.5% of real estate loans originated by a non-government body (for the record, Fannie and Freddie are under Federal conservatorship and FHA [...]]]></description>
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		<slash:comments>1</slash:comments>
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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>
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		<category><![CDATA[Mortgage News]]></category>
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		<category><![CDATA[FHA 90-day rule]]></category>
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		<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?  [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Getting a Loan Could Soon Prove More Difficult</title>
		<link>http://pictureperfectsandiego.com/2009/12/02/getting-a-loan-could-soon-prove-more-difficult/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/02/getting-a-loan-could-soon-prove-more-difficult/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 21:53:49 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[rachel lamar]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9192</guid>
		<description><![CDATA[The FHA is looking into making some changes in how they approve insurance policies on home loans, and this may make it harder for borrowers to obtain loans in the future.  If you are looking to purchase there is no time like the present. There are four main components to the proposed changes, including raising [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA Loans &#8211; Down Payment, Reserves and Mortgage Insurance</title>
		<link>http://pictureperfectsandiego.com/2008/11/14/fha-loans-down-payment-reserves-and-mortgage-insurance/</link>
		<comments>http://pictureperfectsandiego.com/2008/11/14/fha-loans-down-payment-reserves-and-mortgage-insurance/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 01:50:43 +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[Homeowners]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[down paymeht]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[gift funds]]></category>
		<category><![CDATA[minimum down payment]]></category>
		<category><![CDATA[reserve funds]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=2309</guid>
		<description><![CDATA[This is the fourth and final post in a series that deals with important aspects of FHA financing. The first post provided an overview of the program. The second post detailed FHA credit requirements The third post discussed the income and employment requirements. This post will discuss the down payment and asset requirements necessary to [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>FHA Loans &#8211; Income and Employment Requirements</title>
		<link>http://pictureperfectsandiego.com/2008/10/31/fha-loans-income-and-employment-requirements/</link>
		<comments>http://pictureperfectsandiego.com/2008/10/31/fha-loans-income-and-employment-requirements/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 21:00:25 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
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		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[employment requirements]]></category>
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		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=2001</guid>
		<description><![CDATA[This is the third in a series of six posts that deal with important aspects of FHA financing.  The first post provided an overview of the program while the second post detailed FHA credit requirements.  This post will discuss the income and employment requirements necessary to obtain an FHA home loan. Income Documentation For employees [...]]]></description>
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		<slash:comments>9</slash:comments>
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		<item>
		<title>FHA Loans &#8211; Credit Requirements</title>
		<link>http://pictureperfectsandiego.com/2008/10/19/fha-loans-credit-requirements/</link>
		<comments>http://pictureperfectsandiego.com/2008/10/19/fha-loans-credit-requirements/#comments</comments>
		<pubDate>Mon, 20 Oct 2008 04:31:10 +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>
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		<category><![CDATA[credit requirements]]></category>
		<category><![CDATA[derogatory credit]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[foreclosure and credit]]></category>
		<category><![CDATA[free annual credit reports]]></category>
		<category><![CDATA[non-traditional credit]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=1583</guid>
		<description><![CDATA[This is the second in a series of six posts that deal with important aspects of FHA financing.  The first post provided an overview of the program.  This post will detail the credit requirements necessary to obtain an FHA home loan. Traditional Credit History This describes the typical credit history that most people tend to [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/10/19/fha-loans-credit-requirements/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<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 [...]]]></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 Loans &#8211; The Basic 203(b) Home Loan</title>
		<link>http://pictureperfectsandiego.com/2008/10/08/fha-loans-the-basic-203b-home-loan/</link>
		<comments>http://pictureperfectsandiego.com/2008/10/08/fha-loans-the-basic-203b-home-loan/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 01:31:55 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
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		<category><![CDATA[203(b) loan]]></category>
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		<category><![CDATA[no prepayment penalty]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=1196</guid>
		<description><![CDATA[This post will be the first of six brief articles covering the most important aspects of what is becoming the darling of the real estate market &#8211; the venerable FHA home loan. Established in 1934, the Federal Housing Administration, as stated on its website “….  has served as an economic backstop working hand-in-hand with lenders [...]]]></description>
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		<slash:comments>7</slash:comments>
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