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	<title>San Diego real estate market blog &#187; mortgage loans</title>
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	<description>San Diego real estate market blog - San Diego real estate market &#039;Inside&#039; views &#38; opinion</description>
	<lastBuildDate>Fri, 30 Jul 2010 15:33:07 +0000</lastBuildDate>
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		<title>Home Loan Originator Database</title>
		<link>http://www.brokerforyou.com/brokerforyou/home-loan-originator-database.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/home-loan-originator-database.html#comments</comments>
		<pubDate>Tue, 13 Apr 2010 16:40:58 +0000</pubDate>
		<dc:creator>Judi</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[mortgage loans]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=2898</guid>
		<description><![CDATA[Mortgage shoppers can search the Nationwide Mortgage Licensing System Consumer Access and learn if the mortgage originator they are working with is licensed, has had disciplinary action, or, worse, has had his or her license revoked. The new database shows data for the previous 10 years, includes aliases, and searched all state, so disciplinary action [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA Home Loan Policy Changes</title>
		<link>http://www.brokerforyou.com/brokerforyou/fha-home-loan-policy-changes.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/fha-home-loan-policy-changes.html#comments</comments>
		<pubDate>Mon, 01 Feb 2010 14:03:26 +0000</pubDate>
		<dc:creator>Bob Schwartz</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[FHA Home Loan]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgage loans]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=2418</guid>
		<description><![CDATA[The new FHA policy changes are as follows: 1)  Borrowers with less than 580 credit scores will be required to put 10% down instead of 3.5%. 2)  Upfront mortgage insurance, MI, will increase to 2.25% from 1.75%. 3)  The maximum seller contribution is now 3% rather than 6%. 4)  Lenders will now be graded and [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>New 2010 Home Mortgage Rules</title>
		<link>http://www.brokerforyou.com/brokerforyou/new-2010-home-mortgage-rules.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/new-2010-home-mortgage-rules.html#comments</comments>
		<pubDate>Mon, 11 Jan 2010 20:05:35 +0000</pubDate>
		<dc:creator>Bob Schwartz</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[2010 Home Mortgage Rules]]></category>
		<category><![CDATA[home mortgage loans]]></category>
		<category><![CDATA[Home Mortgage Rules]]></category>
		<category><![CDATA[mortgage loans]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=2257</guid>
		<description><![CDATA[Federal rules now require mortgage lenders and brokers to give consumers better estimates of the costs they incur when taking out home loans, and mandate a standard three-page Good Faith Estimate that urges consumers to shop around for the best loan and helps them compare lenders&#8217; offerings.  The rules, announced by the Department of Housing [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Fannie Mae Hikes Mortgage Credit Scores</title>
		<link>http://www.brokerforyou.com/brokerforyou/fannie-mae-hikes-mortgage-credit-scores.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/fannie-mae-hikes-mortgage-credit-scores.html#comments</comments>
		<pubDate>Fri, 04 Dec 2009 18:57:58 +0000</pubDate>
		<dc:creator>Bob Schwartz</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Mortgage Credit Scores]]></category>
		<category><![CDATA[mortgage loans]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=2083</guid>
		<description><![CDATA[Fannie Mae has increased the minimum borrower credit score from 580 to 620. Brian Faith, a spokesperson at Fannie, confirmed the minimum hike, adding that the adjustment reflects a careful analysis of borrowers  ability to repay their mortgage obligations over the life of the loan.   Our experience with recently delivered loans with credit scores below [...]]]></description>
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		<title>Home Mortgage Delinquencies Slow &#8211; But Still Hit Record</title>
		<link>http://www.brokerforyou.com/brokerforyou/home-mortgage-delinquencies-slow-but-still-hit-record.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/home-mortgage-delinquencies-slow-but-still-hit-record.html#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:17:36 +0000</pubDate>
		<dc:creator>Bob Schwartz</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Home Mortgage Delinquencies]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Mortgage Delinquencies]]></category>
		<category><![CDATA[mortgage loans]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=1997</guid>
		<description><![CDATA[According to credit reporting agency TransUnion, for the three months ended Sept. 30, 6.25 percent of U.S. mortgage loans were 60 or more days past due. The rate was up 7.6 percent from the second quarter. That&#8217;s a much smaller jump than the 11.3 percent rise in the second quarter from the first, and the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The Mortgage Cramdown &#8211; A Very Bad Idea For Homeowners</title>
		<link>http://www.brokerforyou.com/brokerforyou/the-mortgage-cramdown-a-very-bad-idea-for-homeowners.html</link>
		<comments>http://www.brokerforyou.com/brokerforyou/the-mortgage-cramdown-a-very-bad-idea-for-homeowners.html#comments</comments>
		<pubDate>Thu, 05 Mar 2009 17:07:34 +0000</pubDate>
		<dc:creator>Bob Schwartz</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Government mortgage bailout]]></category>
		<category><![CDATA[mortgage bailout]]></category>
		<category><![CDATA[Mortgage Cramdown]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[mortgage market]]></category>

		<guid isPermaLink="false">http://www.brokerforyou.com/brokerforyou/?p=627</guid>
		<description><![CDATA[Rep. Louie Gohmert speaks out against the mortgage cramdown, which would allow judges to rewrite home mortgages during bankruptcy. This proposal would force the 92 percent of responsible homeowners to subsidize the mistakes of irresponsible borrowers and lenders. At the very least, mortgage lenders will have to add additional fees to all new mortgages to [...]]]></description>
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