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	<title>WelcomeHomeNWI.com &#187; FHA Guidelines</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>FHA Increases Annual Mortgage Insurance Premiums Again</title>
		<link>http://welcomehomenwi.com/2011/04/fha-increases-annual-mortgage-insurance-premiums-again.html</link>
		<comments>http://welcomehomenwi.com/2011/04/fha-increases-annual-mortgage-insurance-premiums-again.html#comments</comments>
		<pubDate>Thu, 21 Apr 2011 00:13:54 +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 Guidelines]]></category>
		<category><![CDATA[FHA MIP]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=4930</guid>
		<description><![CDATA[In case you missed the big event on April 18th, FHA administered an increase to the Annual Mortgage Insurance Premiums for all forward mortgage terms as instructed in Mortgagee Letter 11-10. You may be wondering why FHA would increase their fees again considering they raised fees last fall. Per a legislative mandate in section 202 of the National Housing [...]]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2011/04/fha-increases-annual-mortgage-insurance-premiums-again.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>2011 FHA Maximum Loan Limits &#8211; Why You Need to Know</title>
		<link>http://welcomehomenwi.com/2010/12/2011-fha-maximum-loan-limits-why-you-need-to-know.html</link>
		<comments>http://welcomehomenwi.com/2010/12/2011-fha-maximum-loan-limits-why-you-need-to-know.html#comments</comments>
		<pubDate>Tue, 07 Dec 2010 22:30:03 +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[FHA Loan Limits]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=3925</guid>
		<description><![CDATA[Every year around this time, lenders receive confirmation of the coming year&#8217;s Fannie Mae and FHA maximum loan limits. Prior to the real estate bubble it was always a forgone conclusion that the Fannie Mae and FHA maximum loan limits would increase as this was a natural function of increasing home prices. In the past several years [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>New FHA Mortgage Insurance Premiums Start October 4th</title>
		<link>http://welcomehomenwi.com/2010/09/new-fha-mortgage-insurance-premiums-start-october-4th.html</link>
		<comments>http://welcomehomenwi.com/2010/09/new-fha-mortgage-insurance-premiums-start-october-4th.html#comments</comments>
		<pubDate>Wed, 08 Sep 2010 20:53:03 +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[FHA MIP]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2612</guid>
		<description><![CDATA[Beginning with FHA case numbers issued on or after October 4, 2010, the FHA is changing its upfront and annual mortgage insurance premium structures.]]></description>
		<wfw:commentRss>http://welcomehomenwi.com/2010/09/new-fha-mortgage-insurance-premiums-start-october-4th.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>6 Things You Need to Know About New FHA Home Loans</title>
		<link>http://welcomehomenwi.com/2010/09/6-things-you-need-to-know-about-new-fha-home-loans.html</link>
		<comments>http://welcomehomenwi.com/2010/09/6-things-you-need-to-know-about-new-fha-home-loans.html#comments</comments>
		<pubDate>Fri, 03 Sep 2010 22:30:54 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FHA Mortgages]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[FHA Guidelines]]></category>
		<category><![CDATA[FHA MIP]]></category>

		<guid isPermaLink="false">http://welcomehomenwi.com/?p=2975</guid>
		<description><![CDATA[With the passing of H.R. 5981 and the resulting Public Law 111-229, FHA was given authority to change the amount charged to borrowers for both the Up Front and the Annual insurance premiums it requires to insure home loans. These FHA Mortgage Insurance Premium changes are outlined in Mortgagee Letter 2010-28 and become effective for all FHA case [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<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>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>
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		<slash:comments>0</slash:comments>
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		<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>
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		<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>
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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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		<slash:comments>0</slash:comments>
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