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	<title>Michael Saunders Real Estate Blog &#187; Mortgage</title>
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	<link>http://www.thesaundersblog.com</link>
	<description>Thoughts and Opinions about the Greater Sarasota, FL Real Estate Market</description>
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		<title>Top 10 Facts About FHA Loans</title>
		<link>http://www.thesaundersblog.com/top-10-facts-about-fha-loans/</link>
		<comments>http://www.thesaundersblog.com/top-10-facts-about-fha-loans/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 20:25:29 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=9109</guid>
		<description><![CDATA[FHA loans are more popular than ever and may be right for you, whether you are looking to buy your first home, next home, or refinance a home you already own.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Michael Saunders &amp; Company is pleased to welcome Roger Frechette to the MSC Mortgage.</title>
		<link>http://www.thesaundersblog.com/michael-saunders-company-is-pleased-to-welcome-roger-frechette-to-the-msc-mortgage-2/</link>
		<comments>http://www.thesaundersblog.com/michael-saunders-company-is-pleased-to-welcome-roger-frechette-to-the-msc-mortgage-2/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 17:57:13 +0000</pubDate>
		<dc:creator>shelleywhiteside</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Newsroom]]></category>
		<category><![CDATA[Sarasota]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=7090</guid>
		<description><![CDATA[Roger began his career in the financial services industry and transitioned into the mortgage and real estate business in 1997.  Having spent over 14 successful years in the mortgage industry, he brings a wealth of experience and knowledge to every transaction. His extensive background working with banks, Realtors, builders and foreign national clients serves as a formidable resource to those he assists. He takes great pride in helping people and focuses on establishing great rapport and trust while providing financial solutions.

]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wells Fargo Honors Bob Lambert of MSC Mortgage</title>
		<link>http://www.thesaundersblog.com/wells-fargo-honors-bob-lambert-of-msc-mortgage/</link>
		<comments>http://www.thesaundersblog.com/wells-fargo-honors-bob-lambert-of-msc-mortgage/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 14:24:12 +0000</pubDate>
		<dc:creator>Michael Saunders</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Bob Lambert]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[MSC Mortgage]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=6763</guid>
		<description><![CDATA[Michael Saunders &#038; Company is pleased to announce Bob Lambert of MSC Mortgage has earned recognition as a Wells Fargo Home Mortgage Leaders Club qualifying member for exceeding volume and customer service benchmarks in 2010. ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/wells-fargo-honors-bob-lambert-of-msc-mortgage/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Buying a Home?</title>
		<link>http://www.thesaundersblog.com/buying-a-home/</link>
		<comments>http://www.thesaundersblog.com/buying-a-home/#comments</comments>
		<pubDate>Fri, 21 May 2010 15:22:43 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[adjustable rates]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[michaelsaunders.com]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=3908</guid>
		<description><![CDATA[This is a great time to be a homebuyer! Interest rates are historically low. There are plenty of homes to choose from. And with a government-insured FHA 5/1 adjustable-rate mortgage (ARM)(1):
• The initial interest rate (start rate) is very attractive and principal-and-interest payments are fixed for the first five years
• There are built-in safety nets, because the interest rate can only go up or down 1% per year or 5% over the life of your loan
• High loan amounts up to $729,750 are available in certain metropolitan areas with high housing costs. (2)]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-3/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-3/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 14:54:57 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[card issuers]]></category>
		<category><![CDATA[Credit Card Act]]></category>
		<category><![CDATA[credit card reform]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[President Obama]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2887</guid>
		<description><![CDATA[Credit Card Reform impacts millions:
With an average count of nine credit cards per American household, the new credit card regulations that went into effect on Feb. 22 will have sizeable impact on our country.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask Ann- Describe the Mortgage Options Available for Today&#8217;s Distressed Home Owner</title>
		<link>http://www.thesaundersblog.com/ask-ann-describe-the-mortgage-options-available-for-todays-distressed-home-owner/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-describe-the-mortgage-options-available-for-todays-distressed-home-owner/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 20:57:22 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[Distressed Homeowners]]></category>
		<category><![CDATA[government programs]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[housing recovery]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2748</guid>
		<description><![CDATA[We asked Ann Stickel-vice president of Affiliated Services for Michael Saunders &#038; Company Mortgage, LLC-what government programs are available for distressed homeowners?  Also, how these government loans help keep people in their homes and the foreclosure rate at a minimum. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 15:39:58 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[American Bankers Association]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[Consumer Financial Protection Agency]]></category>
		<category><![CDATA[Consumer Protection Act 2009]]></category>
		<category><![CDATA[Consumer Protection Act of 2009]]></category>
		<category><![CDATA[Consumer Protection Agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[H.R. 4173]]></category>
		<category><![CDATA[Mark Zandi]]></category>
		<category><![CDATA[S&P/ Case-Shiller Home Price]]></category>
		<category><![CDATA[Senate]]></category>
		<category><![CDATA[U.S. House of Representatives]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2701</guid>
		<description><![CDATA[In December, the U.S. House of Representatives approved – by a vote of 223 to 202 – the Wall Street Reform and Consumer Protection Act of 2009, otherwise known as H.R. 4173. This bill proposes sweeping reforms that have the potential to profoundly impact how financial companies operate and what consumers can be offered in terms of products and services.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Will The New FHA Guidelines Affect YOU?</title>
		<link>http://www.thesaundersblog.com/how-will-the-new-fha-guidelines-affect-you/</link>
		<comments>http://www.thesaundersblog.com/how-will-the-new-fha-guidelines-affect-you/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:42:50 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[DTI]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Gino Blefari]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Intero Real Estate]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2345</guid>
		<description><![CDATA[Today, the FHA backs 3 out of every 10 new home loans, because, as other lenders have tightened restrictions, FHA has followed the status quo, keeping things fairly liberal.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 20:55:51 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Real Estate Settlement Procedures Act]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2219</guid>
		<description><![CDATA[Consumers were active in the housing market during the third quarter with refinance and purchase applications. Existing homeowners fueled the refi activity, and first-time homebuyers accounted for 43% of home purchases in August, according to the Sept. 18 issue of Inside Mortgage Finance.]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homebuyers Are Going Green</title>
		<link>http://www.thesaundersblog.com/homebuyers-are-going-green/</link>
		<comments>http://www.thesaundersblog.com/homebuyers-are-going-green/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 15:13:51 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[EEM]]></category>
		<category><![CDATA[Energy Efficient Mortgage Home Owner Guide]]></category>
		<category><![CDATA[Home Energy Rating System]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1511</guid>
		<description><![CDATA[According to the Energy Efficient Mortgage Home Owner Guide on the Housing and Urban Development Web site, buyers who qualify for a home loan may also qualify for the EEM. The guide also says that availability is not limited by location, home price or utility company. When applying for an EEM, a Home Energy Rating System report must be completed on the house. An energy appraisal is done by an inspector and the results are certified.]]></description>
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		<slash:comments>0</slash:comments>
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