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	<title>WelcomeHomeNWI.com &#187; Legislation</title>
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	<link>http://welcomehomenwi.com</link>
	<description>Your Home for Real Estate and Mortgage News for the Best Home Communities in Northwest Indiana</description>
	<lastBuildDate>Mon, 06 Feb 2012 16:37:00 +0000</lastBuildDate>
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		<title>Lock Your Mortgage Rate: New Loan Fees Expected Within Days</title>
		<link>http://welcomehomenwi.com/2012/01/payroll-tax-extension-fee.html</link>
		<comments>http://welcomehomenwi.com/2012/01/payroll-tax-extension-fee.html#comments</comments>
		<pubDate>Tue, 10 Jan 2012 15:45:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[FICA]]></category>
		<category><![CDATA[Payroll Tax]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=6295</guid>
		<description><![CDATA[Starting soon, nearly all home buyers and refinancing households nationwide will pay higher mortgage loan fees. Congress has made it law.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Flood Insurance At Risk In Latest Tea Party Showdown</title>
		<link>http://welcomehomenwi.com/2011/11/flood-insurance-at-risk-in-latest-tea-party-showdown.html</link>
		<comments>http://welcomehomenwi.com/2011/11/flood-insurance-at-risk-in-latest-tea-party-showdown.html#comments</comments>
		<pubDate>Sat, 12 Nov 2011 00:15:32 +0000</pubDate>
		<dc:creator>Steve Cardwell</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Pending Home Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=6113</guid>
		<description><![CDATA[We are lucky, here in Northwest Indiana, that most of us have property where we are not required to buy flood insurance. As we have written before on this site, some areas that experienced flooding in the past are now less susceptible,  thanks to levee projects and other Federally funded flood controls. FEMA, the Federal [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Indiana Governor Lobbies Realtors for Tax Cap Amendment</title>
		<link>http://welcomehomenwi.com/2010/10/indiana-governor-lobbies-realtors-for-tax-cap-amendment.html</link>
		<comments>http://welcomehomenwi.com/2010/10/indiana-governor-lobbies-realtors-for-tax-cap-amendment.html#comments</comments>
		<pubDate>Wed, 13 Oct 2010 16:02:21 +0000</pubDate>
		<dc:creator>Steve Cardwell</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Random Thoughts]]></category>
		<category><![CDATA[Real Estate Taxes]]></category>
		<category><![CDATA[Government Elections]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=3308</guid>
		<description><![CDATA[Indiana Governor Mitch Daniels came to Merrillville Indiana last week seeking support of Question 1 on the November ballot. The referendum would make the current Indiana state law regarding real estate property tax caps part of Indiana&#8217;s State Constitution and consequently almost impossible to repeal in the future. In 2002 the State of Indiana was forced [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>New Rules for Mortgage Transfers &#8211; Are You Confused Yet</title>
		<link>http://welcomehomenwi.com/2010/08/new-rules-for-mortgage-transfers-are-you-confused-yet.html</link>
		<comments>http://welcomehomenwi.com/2010/08/new-rules-for-mortgage-transfers-are-you-confused-yet.html#comments</comments>
		<pubDate>Tue, 17 Aug 2010 18:53:14 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Helpful Tips]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Mortgage Disclosures]]></category>
		<category><![CDATA[Mortgage Documentation]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2645</guid>
		<description><![CDATA[With all the media buzz about Fannie Mae and Freddie Mac reform on Capitol Hill today, you may have missed an important press release from the Federal Reserve that will affect all homeowners with a mortgage. The press release was the issuance of a final rule amending Regulation Z about the notification of mortgage loan sales or transfers. What [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Negative Home Equity? Learn How to Refinance Now!</title>
		<link>http://welcomehomenwi.com/2010/03/negative-home-equity-learn-how-to-refinance-now.html</link>
		<comments>http://welcomehomenwi.com/2010/03/negative-home-equity-learn-how-to-refinance-now.html#comments</comments>
		<pubDate>Fri, 12 Mar 2010 16:54:25 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1729</guid>
		<description><![CDATA[The Federal Housing Finance Agency has extended the government&#8217;s Home Affordable Refinance Program by 12 months. HARP&#8217;s new end date is June 30, 2011. Originally known as Making Home Affordable, HARP aims to help homeowners refinance their mortgage who may otherwise be ineligible because of falling home values. There are 4 basic HARP criteria every [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New FHA Guidelines Will Be Tougher and More Expensive</title>
		<link>http://welcomehomenwi.com/2010/01/new-fha-guidelines-will-be-tougher-and-more-expensive.html</link>
		<comments>http://welcomehomenwi.com/2010/01/new-fha-guidelines-will-be-tougher-and-more-expensive.html#comments</comments>
		<pubDate>Thu, 21 Jan 2010 18:54:48 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Guidelines]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1503</guid>
		<description><![CDATA[Securing an FHA mortgage is about to get more expensive. In a statement issued Wednesday, the Federal Housing Authority outlined policy changes to its mortgage assistance program. The shift is meant to both reduce the government group&#8217;s portfolio risk while strengthening its overall financials. For consumers in Northwest Indiana, the changes mean higher costs. As [...]]]></description>
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		<title>Congress Expands And Extends The Home Buyer Tax Credit</title>
		<link>http://welcomehomenwi.com/2009/11/congress-expands-and-extends-the-home-buyer-tax-credit.html</link>
		<comments>http://welcomehomenwi.com/2009/11/congress-expands-and-extends-the-home-buyer-tax-credit.html#comments</comments>
		<pubDate>Fri, 06 Nov 2009 17:53:33 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[First-Time Homebuyer Tax Credit]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1141</guid>
		<description><![CDATA[Congress both extended and expanded the First-Time Home Buyer Tax Credit program Thursday.  The White House says the President will sign it into law today. The up-to-$8000 tax credit&#8217;s expiration date has been pushed forward to spring, requiring homebuyers to be under contract by April 30, 2010, and to be closed by June 30, 2010. The program&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Good or Bad &#8211; The New Good Faith Estimate</title>
		<link>http://welcomehomenwi.com/2009/10/good-or-bad-the-new-good-faith-estimate.html</link>
		<comments>http://welcomehomenwi.com/2009/10/good-or-bad-the-new-good-faith-estimate.html#comments</comments>
		<pubDate>Tue, 20 Oct 2009 15:23:05 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Helpful Tips]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Guideline Change]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1073</guid>
		<description><![CDATA[The new Good Faith Estimate makes its debut January 1, 2010. Expanded from 1 page to 3 pages, the legislators responsible for the new Good Faith Estimate want it to be simpler for homeowners and home buyers to understand than the former version. By most accounts, Congress will meet this goal.  The new Good Faith Estimate [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The First-Time Home Buyer Tax Credit: Use It By December 1, 2009 Or Lose It</title>
		<link>http://welcomehomenwi.com/2009/07/the-first-time-home-buyer-tax-credit-use-it-by-december-1-2009-or-lose-it.html</link>
		<comments>http://welcomehomenwi.com/2009/07/the-first-time-home-buyer-tax-credit-use-it-by-december-1-2009-or-lose-it.html#comments</comments>
		<pubDate>Fri, 17 Jul 2009 14:33:17 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[First-Time Homebuyer Tax Credit]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=503</guid>
		<description><![CDATA[The government&#8217;s First-Time Home Buyer Tax Credit expires December 1, 2009.  If you expect to use the program in conjunction with a home purchase, therefore, you may want to consider yourself officially &#8220;on the clock&#8221;.  Assuming a 60-day window between contract and closing, there are now 77 days left to find a home and go under [...]]]></description>
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