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	<title>Picture Perfect San Diego &#187; Home Loans</title>
	<atom:link href="http://pictureperfectsandiego.com/tag/home-loans/feed/" rel="self" type="application/rss+xml" />
	<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>Affordable Loans for California Public Schools Emplyoees &#8211; Get the Facts</title>
		<link>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/</link>
		<comments>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 19:40:26 +0000</pubDate>
		<dc:creator>Diane White</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[beneftis for teachers. school employee benefits]]></category>
		<category><![CDATA[buying a home in San Diego]]></category>
		<category><![CDATA[CALSTRS]]></category>
		<category><![CDATA[Diane White]]></category>
		<category><![CDATA[federal tax credit]]></category>
		<category><![CDATA[first time home buyer tax credit]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[loan for california pulic school employees]]></category>
		<category><![CDATA[loans for california teachers]]></category>
		<category><![CDATA[san diego real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=11141</guid>
		<description><![CDATA[
Do you work for,  or have worked in the past, the California Public School System?   If so you are most likely eligible for the CalSTRS 80/17 Loan.
Some of the highlights of this program are:

3% down payment
It is a 30 year fixed interest loan broken into two loans:
1st is for 80%
2nd is for 17%  
2nd loan is at same interest rate as [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Treasury sets Guidance to Simplify “Short Sales”</title>
		<link>http://pictureperfectsandiego.com/2009/12/09/treasury-sets-guidance-to-simplify-%e2%80%9cshort-sales%e2%80%9d/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/09/treasury-sets-guidance-to-simplify-%e2%80%9cshort-sales%e2%80%9d/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 17:30:09 +0000</pubDate>
		<dc:creator>brianolenik</dc:creator>
				<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Brian Olenik]]></category>
		<category><![CDATA[Corinthian Title]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[san diego real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9349</guid>
		<description><![CDATA[Here is an important article that I wanted to share with everyone.  If you would like more information, please don&#8217;t hesitate to contact me.  My contact and article source information below.
.
NEW YORK (Reuters) – The U.S. Treasury on Monday set long-awaited guidance on a plan for mortgage companies to speed “short sales” of homes and [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/12/09/treasury-sets-guidance-to-simplify-%e2%80%9cshort-sales%e2%80%9d/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<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 minimum [...]]]></description>
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		<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>A Change In A Buyer&#8217;s Expectations</title>
		<link>http://pictureperfectsandiego.com/2008/09/25/a-change-in-a-buyers-expectations/</link>
		<comments>http://pictureperfectsandiego.com/2008/09/25/a-change-in-a-buyers-expectations/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 04:33:31 +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[home buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=851</guid>
		<description><![CDATA[The home buying landscape is significantly different than this time last year.  For those of us in the industry, this is obvious.
The media has mentioned this in countless articles and news broadcasts, but there are still many homeowners looking to buy a new home that expect to get the same loan they got when they [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/09/25/a-change-in-a-buyers-expectations/feed/</wfw:commentRss>
		<slash:comments>0</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>Video Interview: How the Fannie Mae/Freddie Mac Bailout Affects Buyers</title>
		<link>http://pictureperfectsandiego.com/2008/09/11/video-interview-how-the-fannie-maefreddie-mac-bailout-affects-buyers/</link>
		<comments>http://pictureperfectsandiego.com/2008/09/11/video-interview-how-the-fannie-maefreddie-mac-bailout-affects-buyers/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 17:18:44 +0000</pubDate>
		<dc:creator>Erica Vautier</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[Video Interviews]]></category>
		<category><![CDATA[Windermere]]></category>
		<category><![CDATA[buying power]]></category>
		<category><![CDATA[Erica Vautier]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fed announcement]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[increased buying power]]></category>
		<category><![CDATA[interest rate news]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[mortgage interview]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[refinancing loans]]></category>
		<category><![CDATA[san diego real estate]]></category>
		<category><![CDATA[the fed]]></category>
		<category><![CDATA[video interview]]></category>
		<category><![CDATA[windemere real estate]]></category>
		<category><![CDATA[Windermere Exclusive Properties]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/2008/09/11/video-interview-how-the-fannie-maefreddie-mac-bailout-affects-buyers/</guid>
		<description><![CDATA[We&#8217;ve all heard the news, the Fed has officially bailed out Fannie Mae and Freddie Mac.  Alright, now how does that affect me?
If you are shopping for a new home loan or considering refinancing an existing loan, it could have a profound effect on your buying power!
To better understand the Fed&#8217;s announcement and figure out [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/09/11/video-interview-how-the-fannie-maefreddie-mac-bailout-affects-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie And Freddie Bailout&#8230;My First Take</title>
		<link>http://pictureperfectsandiego.com/2008/09/08/fannie-and-freddie-bailoutmy-first-take/</link>
		<comments>http://pictureperfectsandiego.com/2008/09/08/fannie-and-freddie-bailoutmy-first-take/#comments</comments>
		<pubDate>Mon, 08 Sep 2008 23:35:17 +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[bailout]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHLMC]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/2008/09/08/fannie-and-freddie-bailoutmy-first-take/</guid>
		<description><![CDATA[By now, most everyone has heard of the announcement made last Sunday that the government is officially bailing out Fannie Mae (FNMA) and Freddie Mac (FHLMC), the two mortgage giants that own or guarantee about $5 trillion in home loans.  Both CEO’s are being replaced and the new heads will report to the newly formed [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2008/09/08/fannie-and-freddie-bailoutmy-first-take/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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