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	<title>Picture Perfect San Diego &#187; FHA</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
	<lastBuildDate>Thu, 29 Jul 2010 21:51:37 +0000</lastBuildDate>
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		<title>Carlsbad Open House Saturday &amp; Sunday 1-4PM-The Jeff Cole Group</title>
		<link>http://pictureperfectsandiego.com/2010/04/23/carlsbad-open-house-saturday-sunday-1-4pm-the-jeff-cole-group/</link>
		<comments>http://pictureperfectsandiego.com/2010/04/23/carlsbad-open-house-saturday-sunday-1-4pm-the-jeff-cole-group/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 23:32:01 +0000</pubDate>
		<dc:creator>The Cole Group</dc:creator>
				<category><![CDATA[Agent Services]]></category>
		<category><![CDATA[Carlsbad]]></category>
		<category><![CDATA[New Listings]]></category>
		<category><![CDATA[Open Houses]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[foreclosure]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=11299</guid>
		<description><![CDATA[Just Listed-Rancho Carrillo Condo in Carlsbad.    Open House this Saturday and Sunday from 1-4pm.Bank Owned, located in Serrano,  dual masters, with one suite located on the first floor. Private patio and balcony, move in ready. FHA approved, enjoy the wonderful amenities this community has to offer including pool, spa, community center, walking trails and so [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/04/23/carlsbad-open-house-saturday-sunday-1-4pm-the-jeff-cole-group/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>The Campbell Group Voted As One Of 2008 &amp; 2009 Best In Client Satisfaction!</title>
		<link>http://pictureperfectsandiego.com/2010/01/12/the-campbell-group-voted-as-one-of-2008-2009-best-in-client-satisfaction/</link>
		<comments>http://pictureperfectsandiego.com/2010/01/12/the-campbell-group-voted-as-one-of-2008-2009-best-in-client-satisfaction/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 22:42:23 +0000</pubDate>
		<dc:creator>The Campbell Group</dc:creator>
				<category><![CDATA[Agent Services]]></category>
		<category><![CDATA[Awards and Recognitions]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Great Real Estate Deals]]></category>
		<category><![CDATA[Just for Fun]]></category>
		<category><![CDATA[Motivational]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Windermere]]></category>
		<category><![CDATA[Windermere Agents]]></category>
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		<category><![CDATA[92127]]></category>
		<category><![CDATA[92128]]></category>
		<category><![CDATA[downtown san diego condos]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[Linda Campbell]]></category>
		<category><![CDATA[rancho bernardo real estate]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[san diego real estate]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Steven Campbell]]></category>
		<category><![CDATA[Tesha Buchan]]></category>
		<category><![CDATA[The Campbell Group]]></category>
		<category><![CDATA[Windermere Exclusive Properties]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=10030</guid>
		<description><![CDATA[


Successfully Helped Hundreds of San Diego Clients Achieve Their Real Estate Dreams
Personalized Service Provided for Every Customer
First Class Real Estate Service that is Passionate and Thorough
Excellent Listening, Negotiating and Problem Solving Skills
Building Strong Lasting Lifelong Relationships


The Campbell Group has successfully helped hundreds of people in San Diego meet their Real Estate goals since 1987. Working [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/01/12/the-campbell-group-voted-as-one-of-2008-2009-best-in-client-satisfaction/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>More Foreclosures Coming? How Long Do We Have to Wait?</title>
		<link>http://pictureperfectsandiego.com/2009/10/06/more-foreclosures-coming-how-long-do-we-have-to-wait/</link>
		<comments>http://pictureperfectsandiego.com/2009/10/06/more-foreclosures-coming-how-long-do-we-have-to-wait/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 18:27:20 +0000</pubDate>
		<dc:creator>Ashley  Stuart Puetz</dc:creator>
				<category><![CDATA[San Diego]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[first-time]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[lions gate]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=7938</guid>
		<description><![CDATA[Since the government mandated moratorium on foreclosures was lifted, banks began taking back properties in record numbers. The inventory has been absorbed by cash investors and some lucky first-time homebuyers, but many now are waiting for the next round of foreclosures. Many of the banks are saying their inventory is down. So what’s next and how long do we have to wait? ]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/10/06/more-foreclosures-coming-how-long-do-we-have-to-wait/feed/</wfw:commentRss>
		<slash:comments>0</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 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>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[employment requirements]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[income requirements]]></category>
		<category><![CDATA[minimum length of employment]]></category>
		<category><![CDATA[self-employed borrower]]></category>

		<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 this [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/10/31/fha-loans-income-and-employment-requirements/feed/</wfw:commentRss>
		<slash:comments>2</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>
		</item>
		<item>
		<title>FHA Tries To Limit &#8220;Buy And Bail&#8221; Purchases</title>
		<link>http://pictureperfectsandiego.com/2008/09/25/fha-tries-to-limit-buy-and-bail-purchases/</link>
		<comments>http://pictureperfectsandiego.com/2008/09/25/fha-tries-to-limit-buy-and-bail-purchases/#comments</comments>
		<pubDate>Thu, 25 Sep 2008 15:42:25 +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[buy and bail]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=783</guid>
		<description><![CDATA[I recently wrote a post about FNMA&#8217;s underwriting guideline change regarding retaining a principal residence as a rental when buying a new home.  The gist of the new guideline is that the retained property needs to have a minimum of 30% equity in order for rental income to be used to help qualify for the [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/09/25/fha-tries-to-limit-buy-and-bail-purchases/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Hope For Homeowners</title>
		<link>http://pictureperfectsandiego.com/2008/08/20/hope-for-homeowners/</link>
		<comments>http://pictureperfectsandiego.com/2008/08/20/hope-for-homeowners/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 04:53:58 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Federal Housing Finance Agency]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HOPE for Homeowners]]></category>
		<category><![CDATA[Housing and Economic Recovery Act]]></category>
		<category><![CDATA[HR 3221]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[mortgage lender]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/2008/08/20/hope-for-homeowners/</guid>
		<description><![CDATA[Part of the recently passed Housing and Economic Recovery Act (HR 3221) is the new Hope for Homeowners program.  This is an FHA sponsored short-sale refinance intended to allow distressed homeowners keep owner occupied homes from going into foreclosure.  Although lenders are not required to participate in the program, there will still be plenty of [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/08/20/hope-for-homeowners/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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