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	<title>The Truth About Mortgage.com &#187; Mortgage Tips</title>
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		<title>Watch Out for Low Mortgage Rates You Have to Pay For</title>
		<link>http://www.thetruthaboutmortgage.com/watch-out-for-low-mortgage-rates-you-have-to-pay-for/</link>
		<comments>http://www.thetruthaboutmortgage.com/watch-out-for-low-mortgage-rates-you-have-to-pay-for/#comments</comments>
		<pubDate>Mon, 07 May 2012 17:36:15 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16664</guid>
		<description><![CDATA[Mortgage rates keep on marching lower and lower, with new records broken seemingly every week. But with all the fervor surrounding mortgage rates, some lenders are playing the “how low can we appear to go” game. For example, mortgage lenders may be talking about their lowest rates (with multiple points), as opposed to offering their ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>3 Ways a Low Down Payment Can Raise Your Mortgage Payment</title>
		<link>http://www.thetruthaboutmortgage.com/3-ways-a-low-down-payment-can-raise-your-mortgage-payment/</link>
		<comments>http://www.thetruthaboutmortgage.com/3-ways-a-low-down-payment-can-raise-your-mortgage-payment/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 23:17:22 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16619</guid>
		<description><![CDATA[If you’re in the market to purchase a new home, perhaps because mortgage rates are low and the “worst is behind us,” you may be thinking low down payment all the way. Heck, for many borrowers, a low down payment is the only way to play. In case you hadn’t heard, zero down mortgages are ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do 40-Year Mortgages Make Any Sense?</title>
		<link>http://www.thetruthaboutmortgage.com/do-40-year-mortgages-make-any-sense/</link>
		<comments>http://www.thetruthaboutmortgage.com/do-40-year-mortgages-make-any-sense/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 18:26:51 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16602</guid>
		<description><![CDATA[Every now and then, I’ll take a look at a certain mortgage product to determine if it could be a good fit for a prospective (or existing) homeowner. Today, we’ll digest a relatively popular home loan option, the “40-year mortgage.” You may already be thinking, “40 years? I thought mortgages had terms of 30 years?” ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What is a Streamline Refinance?</title>
		<link>http://www.thetruthaboutmortgage.com/what-is-a-streamline-refinance/</link>
		<comments>http://www.thetruthaboutmortgage.com/what-is-a-streamline-refinance/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 20:25:17 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16531</guid>
		<description><![CDATA[Mortgage Q&#38;A: “What is a streamline refinance?” While qualifying for a mortgage refinance is generally a lot harder than it has been in the past (now that lenders actually care how your mortgage performs), there are less cumbersome options available. In fact, many lenders offer “streamlined” alternatives to existing borrowers to lower costs and make ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Refinance Rule of Thumb</title>
		<link>http://www.thetruthaboutmortgage.com/the-refinance-rule-of-thumb/</link>
		<comments>http://www.thetruthaboutmortgage.com/the-refinance-rule-of-thumb/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 18:49:43 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16505</guid>
		<description><![CDATA[If you’re considering refinancing your mortgage, you may have searched for the “refinance rule of thumb” to help you make your decision. Of course, there isn’t a single refinance rule of thumb. One popular one is that you should only refinance if your new interest rate will be two percentage points lower than your current ]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What is a Lender Credit?</title>
		<link>http://www.thetruthaboutmortgage.com/what-is-a-lender-credit/</link>
		<comments>http://www.thetruthaboutmortgage.com/what-is-a-lender-credit/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 01:54:47 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16395</guid>
		<description><![CDATA[Mortgage Q&#38;A: “What is a lender credit?” Back before the mortgage crisis reared its ugly head, it was quite common for loan officers and mortgage brokers to get paid twice for originating a single loan. They could charge the borrower directly, via mortgage points, while also receiving compensation from the issuing mortgage lender, via yield ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Choose Your Own Term Mortgages</title>
		<link>http://www.thetruthaboutmortgage.com/choose-your-own-term-mortgages/</link>
		<comments>http://www.thetruthaboutmortgage.com/choose-your-own-term-mortgages/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 22:09:43 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16316</guid>
		<description><![CDATA[It’s silly mortgage product Friday! So I was driving out in Los Angeles today, listening to ESPN radio or some other sports station, when a mortgage ad came on the air. It was for “Crestline Funding’s MyFi,” which allows mortgagors to choose their own loan term. When I got home I did a quick search ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do I Qualify for a Mortgage?</title>
		<link>http://www.thetruthaboutmortgage.com/do-i-qualify-for-a-mortgage/</link>
		<comments>http://www.thetruthaboutmortgage.com/do-i-qualify-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 23:34:56 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16285</guid>
		<description><![CDATA[Sometimes I tend to skip past the seemingly basic mortgage questions, assuming everyone already knows the simple stuff. Unfortunately, that’s not the case, and much of what I think is simple isn’t really so straightforward. So let’s talk about qualifying for a mortgage. Unsurprisingly, it’s actually a pretty complex process. After all, you are asking ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Crisis Foreshadowing</title>
		<link>http://www.thetruthaboutmortgage.com/mortgage-crisis-foreshadowing/</link>
		<comments>http://www.thetruthaboutmortgage.com/mortgage-crisis-foreshadowing/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:17:29 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16279</guid>
		<description><![CDATA[I think a lot. Often, about mortgages. In fact, a day doesn’t go by when I don’t try to think of topics to write about on this very website. It’s not always easy to come up with new material, given the fact that I’ve been writing about mortgages since 2006. But every once and a ]]></description>
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		<slash:comments>3</slash:comments>
		</item>
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		<title>Are Mortgage Rates Going to Stay Low?</title>
		<link>http://www.thetruthaboutmortgage.com/are-mortgage-rates-going-to-stay-low/</link>
		<comments>http://www.thetruthaboutmortgage.com/are-mortgage-rates-going-to-stay-low/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 19:57:50 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutmortgage.com/?p=16271</guid>
		<description><![CDATA[Well, it happened again. Mortgage rates crept down to yet another record low. It’s getting old at this point. To be honest, I’m sick of even talking about. Another week, another record. But it still doesn’t seem to be having much of a positive effect on the housing market. Per the latest weekly MBA mortgage ]]></description>
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		<slash:comments>0</slash:comments>
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