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	<title>Mortgage Blog</title>
	<link>http://www.choicefinance.net/blog</link>
	<description>Choice Finance®</description>
	<pubDate>Sun, 11 May 2008 20:23:13 +0000</pubDate>
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		<title>3.99% HELOC &#124; Prime minus - 1.01% home equity loan</title>
		<link>http://www.choicefinance.net/blog/2008/05/06/399-heloc-prime-minus-101/</link>
		<comments>http://www.choicefinance.net/blog/2008/05/06/399-heloc-prime-minus-101/#comments</comments>
		<pubDate>Tue, 06 May 2008 18:25:35 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[1) Questions for Loan Officer]]></category>

		<category><![CDATA[2) General]]></category>

		<category><![CDATA[maryland home equity loan]]></category>

		<category><![CDATA[no closing cost heloc]]></category>

		<category><![CDATA[no cost line of credit]]></category>

		<category><![CDATA[virginia home equity loan]]></category>

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		<description><![CDATA[Absolutely No closing costs line of credit, APR 3.99%
This is a 3 month introductory rate at Prime minus 1.01% and then goes to Prime minus .25%.  The Prime interest rate is currently 5.000%.  You are able to make interest only payments on this loan&#8230;  A borrowed amount of $50,000 would have a minimum payment of [...]
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		<title>800-900-8426 &#124; FHA fixed rate mortgage</title>
		<link>http://www.choicefinance.net/blog/2008/04/22/800-900-8426-fha-fixed-rate-mortgage/</link>
		<comments>http://www.choicefinance.net/blog/2008/04/22/800-900-8426-fha-fixed-rate-mortgage/#comments</comments>
		<pubDate>Tue, 22 Apr 2008 15:03:06 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

		<category><![CDATA[Baltimore MD fha fixed rate]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/04/22/800-900-8426-fha-fixed-rate-mortgage/</guid>
		<description><![CDATA[I heard this ad on a Baltimore radio station this morning.  They wouldn&#8217;t give the company&#8217;s name, only a phone number to call for &#8220;today&#8217;s rate..&#8221; if you are currently in an ARM and want to get a fixed rate.   Choice Finance® is a local Maryland company and will be happy to disccuss your FHA [...]
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		<title>&#8220;Choice Home Purchase&#8221; no money program, low fixed rate</title>
		<link>http://www.choicefinance.net/blog/2008/04/14/choice-home-purchase-program-no-money-down/</link>
		<comments>http://www.choicefinance.net/blog/2008/04/14/choice-home-purchase-program-no-money-down/#comments</comments>
		<pubDate>Mon, 14 Apr 2008 22:20:59 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[1) Questions for Loan Officer]]></category>

		<category><![CDATA[2) General]]></category>

		<category><![CDATA[100% financing Maryland]]></category>

		<category><![CDATA[100% financing Virginia]]></category>

		<category><![CDATA[no money down Maryland]]></category>

		<category><![CDATA[no money down Virginia]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/04/14/choice-home-purchase-program-no-money-down/</guid>
		<description><![CDATA[Below is a scenario Choice Finance® is able to offer home buyers.  The rate is real and is based on today&#8217;s rate.  If your scores are in the low 600&#8217;s and higher, you are not wasting your time to seek approval.  Even high 500&#8217;s are sometimes acceptable.  We do not require excellent credit.  To see [...]
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		<title>Reverse mortgage easy application &#124; What do I qualify for?</title>
		<link>http://www.choicefinance.net/blog/2008/04/11/reverse-mortgage-easy-application-what-do-i-qualify-for/</link>
		<comments>http://www.choicefinance.net/blog/2008/04/11/reverse-mortgage-easy-application-what-do-i-qualify-for/#comments</comments>
		<pubDate>Fri, 11 Apr 2008 16:59:26 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[1) Questions for Loan Officer]]></category>

		<category><![CDATA[2) General]]></category>

		<category><![CDATA[Apply for a reverse mortgage]]></category>

		<category><![CDATA[Maryland reverse mortgage]]></category>

		<category><![CDATA[Virginia reverse mortgage]]></category>

		<category><![CDATA[Washington D.C. reverse mortgage]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/04/11/reverse-mortgage-easy-application-what-do-i-qualify-for/</guid>
		<description><![CDATA[Reverse Mortgage
They are fantastic programs and offer a variety of payouts to the customer.  The borrower can receive a lump sum payment, a monthly payment, the availability of a line of credit to draw at their leisure OR a combination of the 3.  These loans are very flexible.  
The Reverse Mortgages have no monthly payments for the life [...]
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		<title>Good Faith Estimate changes</title>
		<link>http://www.choicefinance.net/blog/2008/04/10/good-faith-estimate-changes/</link>
		<comments>http://www.choicefinance.net/blog/2008/04/10/good-faith-estimate-changes/#comments</comments>
		<pubDate>Thu, 10 Apr 2008 18:36:05 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

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		<description><![CDATA[
GFE proposed changes
The Department of Housing and Urban Development has proposed major changes to the 30-year old mortgage settlement rules.  The centerpiece of the new Real Estate Settlement Procedures Act rules would be creation of a standard good faith estimate (GFE) disclosure of settlement charges, which lenders are required to give borrowers who inquire about [...]
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		<title>New appraisal rules BAD for the borrower</title>
		<link>http://www.choicefinance.net/blog/2008/03/31/new-appraisal-rules-bad-for-the-borrower/</link>
		<comments>http://www.choicefinance.net/blog/2008/03/31/new-appraisal-rules-bad-for-the-borrower/#comments</comments>
		<pubDate>Mon, 31 Mar 2008 21:58:54 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[1) Questions for Loan Officer]]></category>

		<category><![CDATA[2) General]]></category>

		<category><![CDATA[appraisal changes will affect quality of loan process]]></category>

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		<description><![CDATA[I appreciate the chance to be heard on this subject of appraisers and what we can and can’t do in the near future. I believe that the quality of the loan process will suffer greatly if these proposed changes are made. Those who seek to change this interaction between the appraisers and the loan originators [...]
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		<title>Big changes to the Appraisal process</title>
		<link>http://www.choicefinance.net/blog/2008/03/31/big-changes-to-the-appraisal-process/</link>
		<comments>http://www.choicefinance.net/blog/2008/03/31/big-changes-to-the-appraisal-process/#comments</comments>
		<pubDate>Mon, 31 Mar 2008 21:41:24 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/03/31/big-changes-to-the-appraisal-process/</guid>
		<description><![CDATA[
What is a home worth?  The classic definition of fair market value is the price a property would sell for on the open market, as agreed upon between a willing buyer and a willing seller, with neither being required to act, and both having reasonable knowledge of the relevant facts.  But anyone who has contracted [...]
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		<title>15 year fixed loan &#124; 15 yr mortgage option vs. 30 year</title>
		<link>http://www.choicefinance.net/blog/2008/03/21/15-year-fixed-loan-15-yr-mortgage-option-vs-30-year/</link>
		<comments>http://www.choicefinance.net/blog/2008/03/21/15-year-fixed-loan-15-yr-mortgage-option-vs-30-year/#comments</comments>
		<pubDate>Fri, 21 Mar 2008 18:16:28 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

		<category><![CDATA[Maryland 15 year fixed interest rates]]></category>

		<category><![CDATA[Virginia 15 year fixed rates]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/03/21/15-year-fixed-loan-15-yr-mortgage-option-vs-30-year/</guid>
		<description><![CDATA[The 15 Year Loan….. If you have some extra money that you would like to invest each month you should consider a 15 year mortgage. It is a conservative investment that has the potential to save you hundreds of thousands of dollars over the next 15 years. You pay slightly more in interest now, but [...]
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		<title>FED cuts rates .750% today &#124; Prime rate now 5.250%</title>
		<link>http://www.choicefinance.net/blog/2008/03/18/fed-cuts-rates-750-today-prime-rate-now-5250/</link>
		<comments>http://www.choicefinance.net/blog/2008/03/18/fed-cuts-rates-750-today-prime-rate-now-5250/#comments</comments>
		<pubDate>Tue, 18 Mar 2008 18:35:47 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

		<category><![CDATA[federal reserve's interest rate cut today]]></category>

		<category><![CDATA[heloc rates lowered by .750]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/03/18/fed-cuts-rates-750-today-prime-rate-now-5250/</guid>
		<description><![CDATA[Fed funds rate cut by .750% today
The interest rates on home equity lines of credit went down drastically today.  What effect this has on 30 year fixed interest rates today and in the immediate future remains to be seen. 

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		<title>5.50% FHA 30 year fixed today &#124; 5.00% FHA 15 year rate</title>
		<link>http://www.choicefinance.net/blog/2008/03/13/550-fha-30-year-fixed-today-500-fha-15-year-rate/</link>
		<comments>http://www.choicefinance.net/blog/2008/03/13/550-fha-30-year-fixed-today-500-fha-15-year-rate/#comments</comments>
		<pubDate>Thu, 13 Mar 2008 15:04:15 +0000</pubDate>
		<dc:creator>loan officer</dc:creator>
		
		<category><![CDATA[2) General]]></category>

		<category><![CDATA[Maryland fha fixed interest rates]]></category>

		<category><![CDATA[today's fha fixed interest rates]]></category>

		<category><![CDATA[Virginia fha fixed interest rates]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2008/03/13/550-fha-30-year-fixed-today-500-fha-15-year-rate/</guid>
		<description><![CDATA[Buying a home?  Thinking about refinancing?
Rates are low regardless if you pay points, or opt for no points or even no closing costs on a refinance.  FHA loan limits are up to $729,750 in several counties in the Washington, D.C. metropolitan area.   (APR 15 yr fixed, 5.643%..  30 yr 5.836%)
Please call me today and we&#8217;ll [...]
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