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	<title>Michael Saunders Real Estate Blog &#187; Mortgage</title>
	<atom:link href="http://www.thesaundersblog.com/tag/mortgage/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesaundersblog.com</link>
	<description>Thoughts and Opinions about the Greater Sarasota, FL Real Estate Market</description>
	<lastBuildDate>Thu, 29 Jul 2010 15:23:57 +0000</lastBuildDate>
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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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.thesaundersblog.com/do-it-right-top-10-home-buying-mistakes/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://www.thesaundersblog.com/top-10-tips-for-new-homebuyers/feed/</wfw:commentRss>
		<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>Holli Schleicher</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>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-ann-describe-the-mortgage-options-available-for-todays-distressed-home-owner/feed/</wfw:commentRss>
		<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>Holli Schleicher</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>
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		<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>Holli Schleicher</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>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://www.thesaundersblog.com/how-will-the-new-fha-guidelines-affect-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Neighborhood Report &#8211; Manatee County</title>
		<link>http://www.thesaundersblog.com/the-neighborhood-report-manatee-county/</link>
		<comments>http://www.thesaundersblog.com/the-neighborhood-report-manatee-county/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 19:55:28 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Anna Maria Island & Holmes Beach]]></category>
		<category><![CDATA[Bradenton]]></category>
		<category><![CDATA[Lakewood Ranch]]></category>
		<category><![CDATA[Manatee]]></category>
		<category><![CDATA[Manatee Waterfront]]></category>
		<category><![CDATA[Michael Saunders & Company Agents]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Neighborhood Reports]]></category>
		<category><![CDATA[Properties]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[The Real Estate Market]]></category>
		<category><![CDATA[inventory]]></category>
		<category><![CDATA[lakewood ranch]]></category>
		<category><![CDATA[manatee]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Sarasota County]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1329</guid>
		<description><![CDATA[Pam Ali, branch manager of Michael Saunders &#038; Company’s Bradenton office, is pleased to report significant activity in home sales throughout Manatee County. ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/the-neighborhood-report-manatee-county/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making Home Affordable: Help for America&#8217;s Homeowners</title>
		<link>http://www.thesaundersblog.com/making-home-affordable-help-for-americas-homeowners/</link>
		<comments>http://www.thesaundersblog.com/making-home-affordable-help-for-americas-homeowners/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 19:27:42 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Financial Stability Plan]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[refinance program]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1290</guid>
		<description><![CDATA[The government program and website www.MakingHomeAffordable.gov provides homeowners with home mortgage information from both Freddie Mac and Fannie Mae as well as contact information for the mortgage servicers who have committed to assist eligible homeowners with either refinance or modification options which may provide them with the opportunity to stay in their homes. ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/making-home-affordable-help-for-americas-homeowners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Tips for Getting a Preapproved Mortgage</title>
		<link>http://www.thesaundersblog.com/7-tips-for-getting-a-preapproved-mortgage/</link>
		<comments>http://www.thesaundersblog.com/7-tips-for-getting-a-preapproved-mortgage/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 19:31:38 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[brokerages]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[financial biography]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Michael Saunders and Company]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[pre-approve]]></category>
		<category><![CDATA[preapproval letters]]></category>
		<category><![CDATA[rate quote]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1220</guid>
		<description><![CDATA[With stricter  qualifications and more scrutiny than previous years for securing a home loan,  preapproval letters provide piece of mind for sellers in knowing that the buyer  is capable of handling the purchase. The following article lends some helpful  tips for homebuyers in today’s market.
Today, the first step in landing a [...]]]></description>
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		<slash:comments>3</slash:comments>
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