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<channel>
	<title>Ask a Loan Officer &#124; Maryland, Virginia, D.C.</title>
	<atom:link href="http://www.choicefinance.net/blog/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.choicefinance.net/blog</link>
	<description>Local Loan Officers &#124; MD DC VA</description>
	<lastBuildDate>Wed, 16 May 2012 21:31:55 +0000</lastBuildDate>
	<language>en</language>
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		<item>
		<title>Salvatore Ferragamo bags, Ferragamo handbags vehement rummage sale!</title>
		<link>http://www.choicefinance.net/blog/2012/05/salvatore-ferragamo-bags-ferragamo-handbags-vehement-rummage-sale/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/salvatore-ferragamo-bags-ferragamo-handbags-vehement-rummage-sale/#comments</comments>
		<pubDate>Wed, 16 May 2012 21:31:55 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/salvatore-ferragamo-bags-ferragamo-handbags-vehement-rummage-sale/</guid>
		<description><![CDATA[Wonderful Ferragamo bags and handbags gleaning: 2012 Ferragamo bags,fashion handbags in behalf of womens online on offer,ferragamobagsjp is sales event discount ferragamo handbags in japan,welcome to class! フェラガモ バッグ ferragamo バッグ フェラガモ 財布 フェラガモ バッグ : http://www.ferragamobagsjp.com/]]></description>
			<content:encoded><![CDATA[Wonderful Ferragamo bags and handbags gleaning: 2012 Ferragamo bags,fashion handbags in behalf of womens online on offer,ferragamobagsjp is sales event discount ferragamo handbags in japan,welcome to class! 
フェラガモ バッグ 
ferragamo バッグ 
フェラガモ 財布 
フェラガモ バッグ : http://www.ferragamobagsjp.com/]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/salvatore-ferragamo-bags-ferragamo-handbags-vehement-rummage-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Subject*Obtaining a loan</title>
		<link>http://www.choicefinance.net/blog/2012/05/subjectobtaining-a-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/subjectobtaining-a-loan/#comments</comments>
		<pubDate>Mon, 14 May 2012 23:20:43 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/subjectobtaining-a-loan/</guid>
		<description><![CDATA[Hello Im interested in obtaining a loan. I am looking to for a home for my father in law, myself and kids. Can you please let me know if you can assist with pre-approval? Thanks]]></description>
			<content:encoded><![CDATA[Hello Im interested in obtaining a loan. I am looking to for a home for my father in law, myself and kids.  Can you please let me know if you can assist with pre-approval?  Thanks ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/subjectobtaining-a-loan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>TaxID lending?</title>
		<link>http://www.choicefinance.net/blog/2012/05/taxid-lending/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/taxid-lending/#comments</comments>
		<pubDate>Mon, 14 May 2012 22:25:26 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/taxid-lending/</guid>
		<description><![CDATA[Are you lending to indiviuduals who only have a TaxID?]]></description>
			<content:encoded><![CDATA[Are you lending to indiviuduals who only have a TaxID?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/taxid-lending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>double wide re finance</title>
		<link>http://www.choicefinance.net/blog/2012/05/double-wide-re-finance/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/double-wide-re-finance/#comments</comments>
		<pubDate>Sun, 13 May 2012 13:11:46 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/double-wide-re-finance/</guid>
		<description><![CDATA[We would like to re-fi our double wide, which sits on 2.267ac., (not rented) a permanent foundation, with a connected sun room and connected two car garage with upstairs room. This mobile has a deed, not a vin. We have excellent credit and are just looking to lower our payments.]]></description>
			<content:encoded><![CDATA[We would like to re-fi our double wide, which sits on 2.267ac., (not rented) a permanent foundation, with a connected sun room and connected two car garage with upstairs room. This mobile has a deed, not a vin. We have excellent credit and are just looking to lower our payments.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/double-wide-re-finance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>In need of Harp 2.0</title>
		<link>http://www.choicefinance.net/blog/2012/05/in-need-of-harp-2-0/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/in-need-of-harp-2-0/#comments</comments>
		<pubDate>Wed, 09 May 2012 17:02:53 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/in-need-of-harp-2-0/</guid>
		<description><![CDATA[Owe 164k, value 150k, home located in IL. Looking for 4.0% or better. Low closing cost, no points. fisco above 700, no late payments. Loan owned by freddie mac, lown has pmi closing within 30 days. Contact Tony,]]></description>
			<content:encoded><![CDATA[Owe 164k, value 150k, home located in IL. Looking for 4.0% or better. Low closing cost, no points. fisco above 700, no late payments. Loan owned by freddie mac, lown has pmi
closing within 30 days.

Contact Tony, 
]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/in-need-of-harp-2-0/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>condo</title>
		<link>http://www.choicefinance.net/blog/2012/05/condo/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/condo/#comments</comments>
		<pubDate>Mon, 07 May 2012 09:49:02 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/condo/</guid>
		<description><![CDATA[could you please tell me the rates and terms to purchase a condo in ocean city md and the transfer fees]]></description>
			<content:encoded><![CDATA[could you please tell me the rates and terms to purchase a condo in ocean city md and the transfer fees]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/condo/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>seller closing fees de</title>
		<link>http://www.choicefinance.net/blog/2012/05/seller-closing-fees-de/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/seller-closing-fees-de/#comments</comments>
		<pubDate>Thu, 03 May 2012 20:15:33 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/seller-closing-fees-de/</guid>
		<description><![CDATA[what are the seller closing fees in DE on rental property selling for $530,000 and transferring $20,000 income and $16,000 in special assessments($36,000) and paying 4% commission to realtor.]]></description>
			<content:encoded><![CDATA[what are the seller closing fees in DE on rental property selling for $530,000 and transferring $20,000 income and $16,000 in special assessments($36,000) and paying 4% commission to realtor.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/seller-closing-fees-de/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>raising money for invest</title>
		<link>http://www.choicefinance.net/blog/2012/05/raising-money-for-invest/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/raising-money-for-invest/#comments</comments>
		<pubDate>Tue, 01 May 2012 22:01:56 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/raising-money-for-invest/</guid>
		<description><![CDATA[We have 4 homes. Our home which is worth @525000 and we have a 1st 232,000 and an equity of 36,000. The 2nd home is worth 235000 and has no mortgage it is rented until Jan 2013 at 1700/mnth. We have two more homes that are worth 700,000 and 100,000 the 700,000 home has a [...]]]></description>
			<content:encoded><![CDATA[We have 4 homes.   Our home which is worth @525000 and we have a 1st 232,000 and an equity of 36,000.  The 2nd home is worth 235000 and has no mortgage it is rented until Jan 2013 at 1700/mnth.  We have two more homes that are worth 700,000 and 100,000 the 700,000 home has a 136,000 mortgage that has 7 years and the other has no loans. The rentals on these are roughly 60,000/yr.  We plan to sell home #1 and move into home #2 in 2013.   We have a great investment opportunity that requires @ $200,000 in cash and we are looking for idea's of how restructure our debt to free up the cash.  We have great credit and work income.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/raising-money-for-invest/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>manufactured home</title>
		<link>http://www.choicefinance.net/blog/2012/05/manufactured-home/</link>
		<comments>http://www.choicefinance.net/blog/2012/05/manufactured-home/#comments</comments>
		<pubDate>Tue, 01 May 2012 17:26:43 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/05/manufactured-home/</guid>
		<description><![CDATA[we own the land, we do not show income for last year , but do have check stubs for this year. we need $50,000 for the new manufactured home. can you help us?]]></description>
			<content:encoded><![CDATA[we own the land, we do not show income for last year , but do have check stubs for this year. we need $50,000 for the new manufactured home. can you help us?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/05/manufactured-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinance Question</title>
		<link>http://www.choicefinance.net/blog/2012/04/refinance-question/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/refinance-question/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 13:00:06 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/refinance-question/</guid>
		<description><![CDATA[I am considering refinancing my condo. It has been exactly one year since I purchased the property and rates are least a point and half lower than my current rate. Is it wise to refi so soon?]]></description>
			<content:encoded><![CDATA[I am considering refinancing my condo.  It has been exactly one year since I purchased the property and rates are least a point and half lower than my current rate.  Is it wise to refi so soon?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/refinance-question/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>land loan</title>
		<link>http://www.choicefinance.net/blog/2012/04/land-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/land-loan/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 22:52:27 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/land-loan/</guid>
		<description><![CDATA[Does anyone have a program for self employed people who can verify the business income with bank statements? Also, willing to put 1/3 of price down? Excellent credit history and scores above 750 for both of us. We are looking to buy 45 acres and build later. thank you]]></description>
			<content:encoded><![CDATA[Does anyone have a program for self employed people who can verify the business income with bank statements?  Also, willing to put 1/3 of price down?  Excellent credit history and scores above 750 for both of us.  We are looking to buy 45 acres and build later.  thank you]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/land-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage tax in purchase</title>
		<link>http://www.choicefinance.net/blog/2012/04/mortgage-tax-in-purchase/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/mortgage-tax-in-purchase/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 00:32:43 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/mortgage-tax-in-purchase/</guid>
		<description><![CDATA[what is mortgage tax on purchase of 270k with 20% down]]></description>
			<content:encoded><![CDATA[what is mortgage tax on purchase of 270k with 20% down]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/mortgage-tax-in-purchase/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Home Purchase</title>
		<link>http://www.choicefinance.net/blog/2012/04/home-purchase/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/home-purchase/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 17:41:25 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/home-purchase/</guid>
		<description><![CDATA[I am currently in the prosecc of relocating to Indianapolis, Indiana. I have agreed to purchase my Son's home for him, he has been having a hard time making the payments and has agreed to sell it to me for the amount owed on the property. The property is located at 7745 Inverness Drive Indianapolis, [...]]]></description>
			<content:encoded><![CDATA[I am currently in the prosecc of relocating to Indianapolis, Indiana. I have agreed to purchase my Son's home for him, he has been having a hard time making the payments and has agreed to sell it to me for the amount owed on the property.
The property is located at 7745 Inverness Drive Indianapolis, IN 46237. His first mortgage balance is $60,000 and his 2nd mortgage balance is just below $15,000.  Can this be rolled into the loan? And can you help me get it financed and closed with little to no out of pocket expenses?

Pamela J. Harsin
615-545-3402]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/home-purchase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>investment prroperty loan</title>
		<link>http://www.choicefinance.net/blog/2012/04/investment-prroperty-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/investment-prroperty-loan/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 15:11:28 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/investment-prroperty-loan/</guid>
		<description><![CDATA[Is there any lenders doing fixed rate 15 to 20 year loans on an investment propery? I own a rental that is free and clear that I would like to take a loan out on but my local lenders are only doing 3-5 year ballon loans.]]></description>
			<content:encoded><![CDATA[Is there any lenders doing fixed rate 15 to 20 year loans on an investment propery? I own a rental that is free and clear that I would like to take a loan out on but my local lenders are only doing 3-5 year ballon loans.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/investment-prroperty-loan/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>ex off of Mortgage</title>
		<link>http://www.choicefinance.net/blog/2012/04/ex-off-of-mortgage/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/ex-off-of-mortgage/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 16:50:59 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/ex-off-of-mortgage/</guid>
		<description><![CDATA[How do I get my Ex-Husband off the Mortgage..... he is not on the Deed and not on the Title. * I am having a hard time trying to refinace as 1/2 of my income is residental rental income....I have 3 roommates. Banks don\\\'t like that income even though it is on my tax returns,I [...]]]></description>
			<content:encoded><![CDATA[How do I get my Ex-Husband off the Mortgage..... he is not on the Deed and not on the Title. 
* I am having a hard time trying to refinace as 1/2 of my income is residental rental income....I have 3 roommates.  Banks don\\\'t like that income even though it is on my tax returns,I have w9s, lease,escrow accounts etc......my room rental business is listed with the State.
Thank You in advance. !  Jodie]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/ex-off-of-mortgage/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>My community mortgage</title>
		<link>http://www.choicefinance.net/blog/2012/04/my-community-mortgage/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/my-community-mortgage/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 13:51:19 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/my-community-mortgage/</guid>
		<description><![CDATA[Im trying to find out a little info on the my community mortgage program]]></description>
			<content:encoded><![CDATA[Im trying to find out a little info on the my community mortgage program]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/my-community-mortgage/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Maryland CDA Loan Issues</title>
		<link>http://www.choicefinance.net/blog/2012/04/maryland-cda-loan-issues/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/maryland-cda-loan-issues/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 03:28:59 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/maryland-cda-loan-issues/</guid>
		<description><![CDATA[Hi Brent, I have seen your posts a number of times in my research. My fiancee lives in MD and was talked into a CDA loan a number of years ago. At this point the house may be 100k underwater so we have no hope of refinance that I know of. I own a home [...]]]></description>
			<content:encoded><![CDATA[Hi Brent, I have seen your posts a number of times in my research.  My fiancee lives in MD and was talked into a CDA loan a number of years ago.  At this point the house may be 100k underwater so we have no hope of refinance that I know of.  I own a home and work in VA.  We thought we could just rent her house in MD but no such luck due to the restrictive loan program.  I noticed you had a few ideas for other people in similar situations.  I look forward to any help you can provide. Best, Evan Lyons]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/maryland-cda-loan-issues/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>construction perm loans</title>
		<link>http://www.choicefinance.net/blog/2012/04/construction-perm-loans/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/construction-perm-loans/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 00:37:41 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/construction-perm-loans/</guid>
		<description><![CDATA[Do you provide construction perm loans?]]></description>
			<content:encoded><![CDATA[Do you provide construction perm loans?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/construction-perm-loans/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Subject* 580 credit ??</title>
		<link>http://www.choicefinance.net/blog/2012/04/subject-580-credit/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/subject-580-credit/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 17:38:23 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/subject-580-credit/</guid>
		<description><![CDATA[MY HUSBAND HAS A MIDDLE SCORE OF 580 WE ARE LOOKING TO GETA LOAN WITH THAT CREDIT SCORE IS THIS POSIBLE HERE IN MARYALND. WE HAVE TRY MANY PEOPLE AND EVERYONE SAIDS WE NEED AT LEAST A 620 THANK PLEASE LET ME NOW]]></description>
			<content:encoded><![CDATA[MY HUSBAND HAS A MIDDLE SCORE OF 580 WE ARE LOOKING TO GETA LOAN WITH THAT CREDIT SCORE IS THIS POSIBLE HERE IN MARYALND. WE HAVE TRY MANY PEOPLE AND EVERYONE SAIDS WE NEED AT LEAST A 620 THANK PLEASE LET ME NOW ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/subject-580-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>hpap program</title>
		<link>http://www.choicefinance.net/blog/2012/04/hpap-program/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/hpap-program/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 13:09:56 +0000</pubDate>
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				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/hpap-program/</guid>
		<description><![CDATA[Do the state of virginia have a first home buyer program if so what is the phone number]]></description>
			<content:encoded><![CDATA[Do the state of virginia have a first home buyer program if so what is the phone number]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/hpap-program/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>CDA, underwater, 7% rate!</title>
		<link>http://www.choicefinance.net/blog/2012/04/cda-underwater-7-rate/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/cda-underwater-7-rate/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 01:06:43 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/cda-underwater-7-rate/</guid>
		<description><![CDATA[Hello. I was recently reading your blog, looking for some information on CDA type loans, refinancing when underwater etc. I'm wondering if you have any information that could help someone in my situation... I bought my home in Baltimore City MD in 11/2007. It is my first home and was purchased through CDA. My loan [...]]]></description>
			<content:encoded><![CDATA[Hello.  I was recently reading your blog, looking for some information on CDA type loans, refinancing when underwater etc.

I'm wondering if you have any information that could help someone in my situation...

I bought my home in Baltimore City MD in 11/2007.  It is my first home and was purchased through CDA.  My loan rate is 7% and is fixed through that program.

I wasn't expecting to stay in my home for more than a few years so the rate did not matter to me at the time.  Then everything happened with the housing market and I'm not going to be able to sell my home any time soon.

I'm looking to improve my situation...a lower rate, a possible adjustment of principal if that's possible.  Primarily, I just want a lower rate.  A move from 7% to something close to the current market rate should save me a couple hundred a month.

I'm sort of stuck, as far as I can tell.  My loan amount is almost 120k and I think my house is probably worth somewhere around 80k or even less...it's hard to tell as nothing is selling in my area except the occasional foreclosed home.  The federal programs I've seen can not help me as I'm not Fannie or Freddie backed.

I have excellent credit and employment history.  I'm not behind on my mortgage.  I bought a modest home that I could afford, but things have gotten a little tighter over the years with additional expenses.  I just want to know if there's anything out there for someone in my situation to help with principal adjustment or refi.

Thanks for any help you can provide!

Mike]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>Transfer tax and closing</title>
		<link>http://www.choicefinance.net/blog/2012/04/transfer-tax-and-closing/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/transfer-tax-and-closing/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 00:55:49 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/transfer-tax-and-closing/</guid>
		<description><![CDATA[I am thinking of moving to Delaware . Is there any discounts for seniors( 65) or Veterans for transfer taxes and or fees? thank you, Dennis]]></description>
			<content:encoded><![CDATA[I am thinking of moving to Delaware . Is there any discounts for seniors( 65) or Veterans for transfer taxes and or fees?  thank you, Dennis]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/transfer-tax-and-closing/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>home loan</title>
		<link>http://www.choicefinance.net/blog/2012/04/home-loan-2/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/home-loan-2/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 01:23:22 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/home-loan-2/</guid>
		<description><![CDATA[i want to apply for a home loan but dont know where to start. me and my fiance are interested in buying our first house. if you could give me some info i would greatly appreciate it.]]></description>
			<content:encoded><![CDATA[i want to apply for a home loan but dont know where to start. me and my fiance are interested in buying our first house. if you could give me some info i would greatly appreciate it.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/home-loan-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Construction Home Loans</title>
		<link>http://www.choicefinance.net/blog/2012/04/construction-home-loans/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/construction-home-loans/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 11:55:01 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/construction-home-loans/</guid>
		<description><![CDATA[Hello, I was wondering if you do home construction loans. If not, can you refer me to a company? Thanks Troy Heard]]></description>
			<content:encoded><![CDATA[Hello,

I was wondering if you do home construction loans. If not, can you refer me to a company?

Thanks

Troy Heard]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/construction-home-loans/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>583 FICO</title>
		<link>http://www.choicefinance.net/blog/2012/04/583-fico/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/583-fico/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 15:33:42 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/583-fico/</guid>
		<description><![CDATA[I had a 583 FICO in January(580, 583 and 647). I've had some items removed, and some contested since then. I'm interested in getting a home loan. Is this possible at all currently?]]></description>
			<content:encoded><![CDATA[I had a 583 FICO in January(580, 583 and 647). I've had some items removed, and some contested since then. I'm interested in getting a home loan. Is this possible at all currently?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/583-fico/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Subject* hpap</title>
		<link>http://www.choicefinance.net/blog/2012/04/subject-hpap/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/subject-hpap/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 13:04:33 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/subject-hpap/</guid>
		<description><![CDATA[Hello I just received my approval through the HPAP program. I am now in need of a lender who is willing to work with me through this process. Are there particular lenders who work more exclusivly with this program.]]></description>
			<content:encoded><![CDATA[Hello I just received my approval through the HPAP program. I am now in need of a lender who is willing to work with me through this process. Are there particular lenders who work more exclusivly with this program.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/subject-hpap/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>applying for a loan</title>
		<link>http://www.choicefinance.net/blog/2012/04/applying-for-a-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/04/applying-for-a-loan/#comments</comments>
		<pubDate>Sun, 01 Apr 2012 15:19:41 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/04/applying-for-a-loan/</guid>
		<description><![CDATA[I would like to apply for a loan so that i may buy a new home]]></description>
			<content:encoded><![CDATA[I would like to apply for a loan so that i may buy a new home]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/04/applying-for-a-loan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Construction to Permanent</title>
		<link>http://www.choicefinance.net/blog/2012/03/construction-to-permanent/</link>
		<comments>http://www.choicefinance.net/blog/2012/03/construction-to-permanent/#comments</comments>
		<pubDate>Sat, 31 Mar 2012 19:36:04 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/03/construction-to-permanent/</guid>
		<description><![CDATA[This is the answer to the question I asked about construction to permanent loan. The land in located in Richmond, Virginia in the Varina area which is in Henrico County.]]></description>
			<content:encoded><![CDATA[This is the answer to the question I asked about construction to permanent loan.  The land in located in Richmond, Virginia in the Varina area which is in Henrico County.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/03/construction-to-permanent/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Mortgage</title>
		<link>http://www.choicefinance.net/blog/2012/03/mortgage/</link>
		<comments>http://www.choicefinance.net/blog/2012/03/mortgage/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 08:35:12 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/03/mortgage/</guid>
		<description><![CDATA[I’m EU citizen and I leave in London. I only got a temporary job, but I want to buy a house, which I’ll be renting and paying off the mortgage. Is it possible to get mortgage from somewhere, if i only put down 10% deposit? My bank wasn’t really helpful, they said I need a [...]]]></description>
			<content:encoded><![CDATA[I’m EU citizen and I leave in London. 
I only got a temporary job, but I want to buy a house, which I’ll be renting and paying off the mortgage. Is it possible to get mortgage from somewhere, if i only put down 10% deposit? 
My bank wasn’t really helpful, they said I need a permanent job and I can’t get a mortgage otherwise. 
Please help
Kind Regards
Anna
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Down payment/grants</title>
		<link>http://www.choicefinance.net/blog/2012/03/down-paymentgrants/</link>
		<comments>http://www.choicefinance.net/blog/2012/03/down-paymentgrants/#comments</comments>
		<pubDate>Sat, 24 Mar 2012 07:54:37 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/03/down-paymentgrants/</guid>
		<description><![CDATA[Is it possible to get a mortgage and buy a home without a down payment. It would be my first home. I dont have perfect credit. The thing is, is i dont even know where to start. I have epilepsy and have a large (untrained) dog that i use for a service dog. Im sick [...]]]></description>
			<content:encoded><![CDATA[Is it possible to get a mortgage and buy a home without a down payment. It would be my first home. I dont have perfect credit. The thing is, is i dont even know where to start.  I have epilepsy and have a large (untrained) dog that i use for a service dog. Im sick of the whole trailer park and apartment scene and its harder than heck to find somewhere to live that will let me have a large dog. Somehow she knows that im going to have a seizure before i do. Now that im driving again it is vital that i have her. She is a necessity not a luxury. Im desperate to own my own home. Ive heard that there are grants out there for people like me. However i have no knowledge on how to access the paperwork to apply for these. Do you have any info on that? Yours tips would be greatly appreciated.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/03/down-paymentgrants/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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