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	<title>WelcomeHomeNWI.com &#187; Lending Guidelines</title>
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	<link>http://welcomehomenwi.com</link>
	<description>Unbiased Real Estate Market Trends and Statistics for The Best Home Communities in NW Indiana</description>
	<lastBuildDate>Thu, 29 Jul 2010 22:31:10 +0000</lastBuildDate>
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		<title>Why Is Your Mortgage Approval Contingent On Form 4506-T</title>
		<link>http://welcomehomenwi.com/2010/07/why-is-your-mortgage-approval-contingent-on-form-4506-t.html</link>
		<comments>http://welcomehomenwi.com/2010/07/why-is-your-mortgage-approval-contingent-on-form-4506-t.html#comments</comments>
		<pubDate>Wed, 28 Jul 2010 20:01:08 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Helpful Tips]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Mortgage Documentation]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2368</guid>
		<description><![CDATA[If you are in need of a mortgage, there is one document that could stop you in your tracks. It is IRS Form 4506-T. What exactly is Form 4506-T? Form 4506-T, aka. Request for Transcript of Tax Return, allows lending institutions to validate your income by confirming with the Internal Revenue Service (IRS) that you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can&#8217;t Get The Lowest Mortgage Rate? Blame Fannie Mae</title>
		<link>http://welcomehomenwi.com/2010/07/loan-level-pricing-adjustments.html</link>
		<comments>http://welcomehomenwi.com/2010/07/loan-level-pricing-adjustments.html#comments</comments>
		<pubDate>Wed, 14 Jul 2010 12:51:57 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[LLPA]]></category>
		<category><![CDATA[Risk-Based Pricing]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2302</guid>
		<description><![CDATA[Conforming mortgage rates may be posting all-time lows this week, but that doesn't mean you'll be eligible for them. You may have already called your loan officer and found this out the hard way.  It's because of a federally-mandated mortgage-pricing scheme known as "loan-level pricing adjustments".]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Interest Only Mortgage Guidelines Set to Change</title>
		<link>http://welcomehomenwi.com/2010/06/fannie-mae-interest-only-mortgage-guidelines-set-to-change.html</link>
		<comments>http://welcomehomenwi.com/2010/06/fannie-mae-interest-only-mortgage-guidelines-set-to-change.html#comments</comments>
		<pubDate>Wed, 16 Jun 2010 12:54:53 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Interest Only Mortgage]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2162</guid>
		<description><![CDATA[If you plan to finance your home with a conforming interest only mortgage, get your loan application submitted no later than this Friday, June 18.  Starting next week, Fannie Mae is clamping down on the popular loan product.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/06/fannie-mae-interest-only-mortgage-guidelines-set-to-change.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Monthly MIP Approved To Triple In Cost to Borrowers</title>
		<link>http://welcomehomenwi.com/2010/06/fha-monthly-mip-approved-to-triple-in-cost-to-borrowers.html</link>
		<comments>http://welcomehomenwi.com/2010/06/fha-monthly-mip-approved-to-triple-in-cost-to-borrowers.html#comments</comments>
		<pubDate>Fri, 11 Jun 2010 12:51:33 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FHA Mortgages]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Guidelines]]></category>
		<category><![CDATA[MIP]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2146</guid>
		<description><![CDATA[In a near-unanimous vote, the House of Representatives gave the FHA power to raise the monthly mortgage insurance premiums it charges to its borrowers.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/06/fha-monthly-mip-approved-to-triple-in-cost-to-borrowers.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Borrowers Beware &#8211; Fannie Mae Tightens the Vice Again!</title>
		<link>http://welcomehomenwi.com/2010/06/borrowers-beware-fannie-mae-tightens-the-vice-again.html</link>
		<comments>http://welcomehomenwi.com/2010/06/borrowers-beware-fannie-mae-tightens-the-vice-again.html#comments</comments>
		<pubDate>Tue, 08 Jun 2010 12:57:22 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Market Insight]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Credit Repull]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Fannie Mae]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2127</guid>
		<description><![CDATA[A new loan quality initiative from Fannie Mae is making it harder for home buyers and refinancing homeowners everywhere to close on a mortgage.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/06/borrowers-beware-fannie-mae-tightens-the-vice-again.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Right Way To Receive A Cash Gift For Downpayment</title>
		<link>http://welcomehomenwi.com/2010/05/the-right-way-to-receive-a-cash-gift-for-downpayment.html</link>
		<comments>http://welcomehomenwi.com/2010/05/the-right-way-to-receive-a-cash-gift-for-downpayment.html#comments</comments>
		<pubDate>Tue, 18 May 2010 13:04:18 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Random Thoughts]]></category>
		<category><![CDATA[Cash Gifts]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Downpayment]]></category>
		<category><![CDATA[Gift Letter]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2010</guid>
		<description><![CDATA[As lenders tighten mortgage guidelines, minimum downpayment requirements are increasing. It's leading to an increase in the number of buyers accepting cash gifts from family. There's a right and wrong way to accept a gift.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/05/the-right-way-to-receive-a-cash-gift-for-downpayment.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Mortgage Approval Isn&#8217;t Final Until It&#8217;s Funded</title>
		<link>http://welcomehomenwi.com/2010/05/your-mortgage-approval-isnt-final-until-its-funded.html</link>
		<comments>http://welcomehomenwi.com/2010/05/your-mortgage-approval-isnt-final-until-its-funded.html#comments</comments>
		<pubDate>Fri, 14 May 2010 13:02:21 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Market Insight]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[MSN Money]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2002</guid>
		<description><![CDATA[A mortgage approval is never final until it's funded. A host of things can "go wrong" while your home loan is underway. Some are in your control, many more are not.  And just being aware of some potential pitfalls could help save your loan down the road, and your peace of mind today.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/05/your-mortgage-approval-isnt-final-until-its-funded.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>1 in 8 Banks Still Tightened Prime Mortgage Standards</title>
		<link>http://welcomehomenwi.com/2010/05/1-in-8-banks-still-tightened-prime-mortgage-standards.html</link>
		<comments>http://welcomehomenwi.com/2010/05/1-in-8-banks-still-tightened-prime-mortgage-standards.html#comments</comments>
		<pubDate>Thu, 06 May 2010 13:03:16 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Random Thoughts]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Senior Loan Officer Survey]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1966</guid>
		<description><![CDATA[The Federal Reserve says that financial markets "remain supportive of economic growth". Residential mortgage guidelines, however, continue to tighten. If you've applied for a home loan recently, you probably felt it; extra scrutiny on income, assets and credit scores, among other things.  The hard proof of the changes, however, can be found in the Federal Reserve's quarterly survey of its member banks. ]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/05/1-in-8-banks-still-tightened-prime-mortgage-standards.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Oops! Fannie Mae Did It Again &#8211; Set to Tighten Guidelines</title>
		<link>http://welcomehomenwi.com/2010/05/oops-fannie-mae-did-it-again-set-to-tighten-guidelines.html</link>
		<comments>http://welcomehomenwi.com/2010/05/oops-fannie-mae-did-it-again-set-to-tighten-guidelines.html#comments</comments>
		<pubDate>Tue, 04 May 2010 13:00:28 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Interest Only]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1943</guid>
		<description><![CDATA[For the first time this year, Fannie Mae announced significant updates to its mortgage underwriting guidelines. The changes include newer, harsher ARM qualification standards, the elimination of a once-popular loan product, and tighter rules for interest only mortgages.  ]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/05/oops-fannie-mae-did-it-again-set-to-tighten-guidelines.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s Time to Re-Approve Your Pre-Approval</title>
		<link>http://welcomehomenwi.com/2010/04/its-time-to-re-approve-your-pre-approval.html</link>
		<comments>http://welcomehomenwi.com/2010/04/its-time-to-re-approve-your-pre-approval.html#comments</comments>
		<pubDate>Fri, 09 Apr 2010 14:08:14 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Helpful Tips]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Random Thoughts]]></category>
		<category><![CDATA[First-Time Home Buyer]]></category>
		<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Pre-Approval]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1855</guid>
		<description><![CDATA[As the federal home buyer tax credit nears its April 30 end-date, there&#8217;s a lot of would-be home buyers still working to get under contract in Chesterton, Crown Point, Dyer, Highland, Munster, Portage, Schererville and Valparaiso. A piece of advice for all of them: If your pre-qualification and/or pre-approval letter is more than 8 weeks [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/04/its-time-to-re-approve-your-pre-approval.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>RUSH: FHA Closing Costs Rise 0.5% on Monday, April 5th</title>
		<link>http://welcomehomenwi.com/2010/03/rush-fha-closing-costs-rise-0-5-on-monday-april-5th.html</link>
		<comments>http://welcomehomenwi.com/2010/03/rush-fha-closing-costs-rise-0-5-on-monday-april-5th.html#comments</comments>
		<pubDate>Tue, 30 Mar 2010 14:56:00 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Guidelines]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1811</guid>
		<description><![CDATA[Starting Monday, April 5, 2010, getting an FHA mortgage will be more expensive for borrowers in Northwest Indiana and throughout the country. In new guidelines set forth earlier this year, the FHA announced plans to raise additional revenue and reduce the overall risk of its mortgage portfolio.  The changes include the following: Increase Upfront Mortgage [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/03/rush-fha-closing-costs-rise-0-5-on-monday-april-5th.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://welcomehomenwi.com/2010/03/negative-home-equity-learn-how-to-refinance-now.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Real Deal Behind the New FHA Guidelines</title>
		<link>http://welcomehomenwi.com/2010/02/the-real-deal-behind-the-new-fha-guidelines.html</link>
		<comments>http://welcomehomenwi.com/2010/02/the-real-deal-behind-the-new-fha-guidelines.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 16:57:22 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Market Insight]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Guidelines]]></category>
		<category><![CDATA[Guideline Change]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1616</guid>
		<description><![CDATA[The mortgage lending landscape in Northwest Indiana changes a lot just like the weather.  Rates and guidelines are in constant flux, and it creates preparedness challenges for buyers that aren&#8217;t paying in cash. The loan you get today won&#8217;t always be the loan you get tomorrow. Because of how frequently bank rules are changing, it [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/02/the-real-deal-behind-the-new-fha-guidelines.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is That A Mortgage Approval Or Just An Illusion</title>
		<link>http://welcomehomenwi.com/2010/02/is-that-a-mortgage-approval-or-just-an-illusion.html</link>
		<comments>http://welcomehomenwi.com/2010/02/is-that-a-mortgage-approval-or-just-an-illusion.html#comments</comments>
		<pubDate>Tue, 09 Feb 2010 16:09:42 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Market Insight]]></category>
		<category><![CDATA[FHA Guidelines]]></category>
		<category><![CDATA[Guideline Change]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1610</guid>
		<description><![CDATA[The economy&#8217;s improving but lending standards are not. Nationally and in Northwest Indiana, banks are making mortgage approvals harder to come by. Underwriting guidelines are tightening. The data comes from the Federal Reserve&#8217;s quarterly survey to its member banks.  The Fed asks senior bank loan officers around the country to report on &#8220;prime&#8221; residential mortgage [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/02/is-that-a-mortgage-approval-or-just-an-illusion.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://welcomehomenwi.com/2010/01/new-fha-guidelines-will-be-tougher-and-more-expensive.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2010 FHA Loan Limit Restrictions As Outlined by HUD</title>
		<link>http://welcomehomenwi.com/2010/01/2010-fha-loan-limit-restrictions-as-outlined-by-hud.html</link>
		<comments>http://welcomehomenwi.com/2010/01/2010-fha-loan-limit-restrictions-as-outlined-by-hud.html#comments</comments>
		<pubDate>Fri, 08 Jan 2010 18:06:51 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Loan Limits]]></category>
		<category><![CDATA[FHFA]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1434</guid>
		<description><![CDATA[FHA home loans are federal assistance mortgages made by lenders, and backed by the government. The FHA doesn&#8217;t make loans to homeowners &#8212; it insures loans made to homeowners by federally-qualified lenders. By all accounts, FHA home loans are surging in popularity. 2006, FHA insured 3.3% of all mortgages made Q2 2009, FHA insured 19.2% [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/01/2010-fha-loan-limit-restrictions-as-outlined-by-hud.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Gets Tough(er) On Borrowers. Again.</title>
		<link>http://welcomehomenwi.com/2009/12/fannie-mae-gets-tougher-on-borrowers-again.html</link>
		<comments>http://welcomehomenwi.com/2009/12/fannie-mae-gets-tougher-on-borrowers-again.html#comments</comments>
		<pubDate>Wed, 16 Dec 2009 17:22:10 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Guideline Change]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1284</guid>
		<description><![CDATA[Fannie Mae raised the bar for mortgage applicants this past weekend.  Getting approved for a home loan just got harder. In its official announcement, Fannie Mae says the updates minimize long-term lending risks.  If that&#8217;s the case, this won&#8217;t be the last guideline change Fannie Mae makes &#8211; especially with loans defaulting at an above-normal [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2009/12/fannie-mae-gets-tougher-on-borrowers-again.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Changes Set Forth for 2010 Conforming Loan Limits</title>
		<link>http://welcomehomenwi.com/2009/11/no-changes-set-forth-for-2010-conforming-loan-limits.html</link>
		<comments>http://welcomehomenwi.com/2009/11/no-changes-set-forth-for-2010-conforming-loan-limits.html#comments</comments>
		<pubDate>Wed, 18 Nov 2009 16:28:19 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Limits]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1180</guid>
		<description><![CDATA[A conforming mortgage is one that, quite literally, conforms to the mortgage guidelines set forth by Fannie Mae or Freddie Mac. Each year, the government sets the maximum allowable loan size for a conforming mortgage, based on &#8220;typical&#8221; housing costs nationwide.  Loans in excess of this amount are typically called &#8220;jumbo&#8221;. While home prices increased from [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2009/11/no-changes-set-forth-for-2010-conforming-loan-limits.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Banks Raise Mortgage Qualification Standards</title>
		<link>http://welcomehomenwi.com/2009/11/banks-raise-mortgage-qualification-standards.html</link>
		<comments>http://welcomehomenwi.com/2009/11/banks-raise-mortgage-qualification-standards.html#comments</comments>
		<pubDate>Thu, 12 Nov 2009 20:22:47 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Guideline Change]]></category>
		<category><![CDATA[Mortgage Industry]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1162</guid>
		<description><![CDATA[Despite the economy&#8217;s improvement and prodding from Congress, banks don&#8217;t seem ready to open their purse strings just yet. Nationally, mortgage approval standards are tightening. The data comes from a quarterly survey the Federal Reserve sends to its member banks.  The Fed asks senior bank loan officers around the country whether &#8220;prime&#8221; residential mortgage guidelines [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2009/11/banks-raise-mortgage-qualification-standards.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Days Left for an FHA Streamline Refinance</title>
		<link>http://welcomehomenwi.com/2009/11/5-days-left-for-an-fha-streamline-refinance.html</link>
		<comments>http://welcomehomenwi.com/2009/11/5-days-left-for-an-fha-streamline-refinance.html#comments</comments>
		<pubDate>Tue, 10 Nov 2009 17:02:33 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Market Insight]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Guideline Change]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=1153</guid>
		<description><![CDATA[Consider this a last call for FHA Streamline Refinances.  Starting next Tuesday, the popular rate-lowering program gets strict on borrowers. There&#8217;s 5 days left. Under the current streamline refi guidelines, FHA homeowners have minimal program eligibility requirements. FICO scores must be 620 or higher The refinance must provide a &#8220;tangible benefit&#8221; No mortgage lates allowed [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2009/11/5-days-left-for-an-fha-streamline-refinance.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
