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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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		<item>
		<title>Ducks in a Row -Tips for Getting Your Homebuying Finances in Order</title>
		<link>http://www.thesaundersblog.com/ducks-in-a-row-tips-for-getting-your-homebuying-finances-in-order/</link>
		<comments>http://www.thesaundersblog.com/ducks-in-a-row-tips-for-getting-your-homebuying-finances-in-order/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 19:00:50 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=7346</guid>
		<description><![CDATA[With today’s real estate market remaining on the side of the buyer, it makes perfect sense to do what it takes to qualify for a mortgage and begin the exciting journey of homeownership.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Countdown to Tax Day &#8211; Top Tax Tips for Homeowners</title>
		<link>http://www.thesaundersblog.com/countdown-to-tax-day-top-tax-tips-for-homeowners/</link>
		<comments>http://www.thesaundersblog.com/countdown-to-tax-day-top-tax-tips-for-homeowners/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 18:08:28 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=7273</guid>
		<description><![CDATA[The good people of the IRS have proven their gracious generosity by extending this year’s tax deadline by three days, giving us all until Monday, April 18 to file our taxes.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Buy Now? – Top 10 Reasons Why Now is a Good Time to Buy That Home</title>
		<link>http://www.thesaundersblog.com/why-buy-now-%e2%80%93-top-10-reasons-why-now-is-a-good-time-to-buy-that-home/</link>
		<comments>http://www.thesaundersblog.com/why-buy-now-%e2%80%93-top-10-reasons-why-now-is-a-good-time-to-buy-that-home/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 19:33:26 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[inventory]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[residential properties]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=5615</guid>
		<description><![CDATA[For those considering whether or not to purchase a home in the near future, there are number of attractive reasons to indicate that now is a great time to buy.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<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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		<title>Do it Right &#8211; Top 10 Home Buying Mistakes</title>
		<link>http://www.thesaundersblog.com/do-it-right-top-10-home-buying-mistakes/</link>
		<comments>http://www.thesaundersblog.com/do-it-right-top-10-home-buying-mistakes/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 16:18:47 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[inventory]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=3349</guid>
		<description><![CDATA[With any significant purchase, it is always important to have everything in order to ensure a smooth, stress-free transaction. From planning to payment, the smallest discretion can lead to a nightmare of results and regret.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 10 Tips for New Homebuyers</title>
		<link>http://www.thesaundersblog.com/top-10-tips-for-new-homebuyers/</link>
		<comments>http://www.thesaundersblog.com/top-10-tips-for-new-homebuyers/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 19:44:50 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[neighborhoods]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[title]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2809</guid>
		<description><![CDATA[Before you sign those closing papers, there are many things to consider. To help you along, here are the top 10 tips for new homebuyers who plan to get the most from their first home:]]></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>Ask Ann &#8211; The Government&#8217;s Impact In The Mortgage Industry Over The Past Six Months</title>
		<link>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 20:50:09 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Home Value Code of Conduct]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2471</guid>
		<description><![CDATA[Ann Stickel, Vice President of The Michael Saunders Division of Affiliated Services, discusses the changes in the mortgage industry over the past six months. ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask Ann &#8211; What Has Changed in Obtaining A Mortgage in Today&#8217;s Market?</title>
		<link>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 21:05:58 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Michael Saunders]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[todays market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2410</guid>
		<description><![CDATA[In the following video, Ann Stickel discusses what new steps in obtaining a mortgage in today's market that have emerged in the last few years.]]></description>
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