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	<title>WelcomeHomeNWI.com &#187; Fannie Mae</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>How Long Is The Wait to Buy a Home After Derogatory Credit</title>
		<link>http://welcomehomenwi.com/2011/05/how-long-is-the-wait-to-buy-a-home-after-derogatory-credit.html</link>
		<comments>http://welcomehomenwi.com/2011/05/how-long-is-the-wait-to-buy-a-home-after-derogatory-credit.html#comments</comments>
		<pubDate>Thu, 26 May 2011 00:05:19 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA Mortgages]]></category>
		<category><![CDATA[Lending Guidelines]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=5250</guid>
		<description><![CDATA[With the down turn in the economy over the past several years coupled with high unemployment, many good borrowers have been forced to make difficult decisions on which bills to pay. Generically speaking, paying the mortgage should alwys take number one priority. That is not always feasible unfortunately. For those homeowners who were foreclosed, walked away [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2011/05/how-long-is-the-wait-to-buy-a-home-after-derogatory-credit.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>Higher Home Loan Fees from Fannie Mae and Freddie Mac</title>
		<link>http://welcomehomenwi.com/2011/04/higher-home-loan-fees-from-fannie-mae-and-freddie-mac.html</link>
		<comments>http://welcomehomenwi.com/2011/04/higher-home-loan-fees-from-fannie-mae-and-freddie-mac.html#comments</comments>
		<pubDate>Thu, 14 Apr 2011 22:07:27 +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[Freddie Mac]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=4913</guid>
		<description><![CDATA[Do you have less than 25 percent as a down payment for your next home purchase in Northwest Indiana? Do you need a home loan term longer than fifteen years? Is your FICO credit score less than exceptional? If you answered yes to these questions, you will soon be paying even more to get a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top Real Estate and Mortgage Headlines for April 2nd</title>
		<link>http://welcomehomenwi.com/2011/04/top-real-estate-and-mortgage-headlines-for-april-2nd.html</link>
		<comments>http://welcomehomenwi.com/2011/04/top-real-estate-and-mortgage-headlines-for-april-2nd.html#comments</comments>
		<pubDate>Sat, 02 Apr 2011 18:07:32 +0000</pubDate>
		<dc:creator>WelcomeHomeNWI</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Bargain-Seeking Home Buyers]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Home Improvement]]></category>
		<category><![CDATA[Home Remodeling]]></category>
		<category><![CDATA[IRS Red Flags]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Property Tax Assessment]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=4842</guid>
		<description><![CDATA[In case you didn&#8217;t hear the news, the unemployment rate has fallen to 2-year lows. Why is this important to real estate? People who are not employed can not buy homes. As lending guidelines have tightened over the past 2 years, even a temporary layoff could derail a home purchase. While we collectively wait for [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2011/04/top-real-estate-and-mortgage-headlines-for-april-2nd.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top Real Estate Headlines for Week Ending: August 27th</title>
		<link>http://welcomehomenwi.com/2010/08/top-real-estate-headlines-for-week-ending-august-27th.html</link>
		<comments>http://welcomehomenwi.com/2010/08/top-real-estate-headlines-for-week-ending-august-27th.html#comments</comments>
		<pubDate>Fri, 27 Aug 2010 22:38:15 +0000</pubDate>
		<dc:creator>Cathy Mattan</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Week in Review]]></category>
		<category><![CDATA[Commercial Real Estate]]></category>
		<category><![CDATA[Existing Home Sales]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Real Estate Technology]]></category>
		<category><![CDATA[Social Networking]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2889</guid>
		<description><![CDATA[As we all look forward to the weekend, let&#8217;s pause for a moment to review what the top real estate and mortgage headlines were this week according to the National Association of Realtors. July Existing-Home Sales Fall, But Prices Rise Home prices rose in July, though existing-home sales continued their slide following the expiration of [...]]]></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>
		<wfw:commentRss>http://welcomehomenwi.com/2010/07/loan-level-pricing-adjustments.html/feed</wfw:commentRss>
		<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>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>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>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>
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