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	<title>StraightForward Financial</title>
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		<title>StraightForward Financial</title>
		<link>http://straightforwardfinancial.wordpress.com</link>
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		<title>Near All-Time Low Rates Again! Lock or Float?</title>
		<link>http://straightforwardfinancial.wordpress.com/2012/01/29/near-all-time-low-rates-again-lock-or-float/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2012/01/29/near-all-time-low-rates-again-lock-or-float/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 04:12:18 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1033</guid>
		<description><![CDATA[With 30yr fixed rates back near 3.875%, 15yr fixed rates near 3.375%, and 5yr adjustable rates under 3%, what should a rate-sensitive borrower consider when monitoring the market? Ongoing Lock/Float Considerations Rates and costs continue to operate near all time &#8230; <a href="http://straightforwardfinancial.wordpress.com/2012/01/29/near-all-time-low-rates-again-lock-or-float/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1033&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Even Tighter Underwriting Ahead</title>
		<link>http://straightforwardfinancial.wordpress.com/2012/01/29/even-tighter-underwriting-ahead/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2012/01/29/even-tighter-underwriting-ahead/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 03:40:49 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1027</guid>
		<description><![CDATA[Look for tighter underwriting on conventional loans with less than 20% down in the future. Freddie Mac reported Wednesday that its credit-enhanced delinquencies rose to 8.03% from 7.82% in November. Credit-enhanced loans are loans that have mortgage insurance (PMI). Delinquencies &#8230; <a href="http://straightforwardfinancial.wordpress.com/2012/01/29/even-tighter-underwriting-ahead/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1027&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>FHA Extends Anti-Flip Waiver Thru 2012</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/12/27/fha-extends-anti-flip-waiver-thru-2012/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/12/27/fha-extends-anti-flip-waiver-thru-2012/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 21:18:31 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1028</guid>
		<description><![CDATA[&#8220;In an effort to continue stabilizing home values and improve conditions in communities experiencing high foreclosure activity, Acting FHA Commissioner Carol Galante will extend FHA&#8217;s temporary waiver of the anti-flipping regulations.&#8221; With certain exceptions, FHA regulations prohibit insuring a mortgage &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/12/27/fha-extends-anti-flip-waiver-thru-2012/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1028&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>Payroll Tax Extension Funded By New Mortgages in 2012</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/12/23/payroll-tax-extension-funded-by-new-mortgages-in-2012/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/12/23/payroll-tax-extension-funded-by-new-mortgages-in-2012/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 21:17:23 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1023</guid>
		<description><![CDATA[Get your Mortgage Refi or Purchase Applications in because beginning January 1, 2012, new, mandatory loan fees will make buying a home and refinancing one more expensive. U.S. Payroll Tax Extension : Funded By New Mortgages In December 2010, the &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/12/23/payroll-tax-extension-funded-by-new-mortgages-in-2012/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1023&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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		<title>Refi IF You Can! Rates Hit New Record Low, Again</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/12/15/refi-if-you-can-rates-hit-new-record-low-again/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/12/15/refi-if-you-can-rates-hit-new-record-low-again/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 18:53:50 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1013</guid>
		<description><![CDATA[The average rate on the 30-year fixed mortgage fell back down to 3.94%, a record low set earlier in the fall. Low rates offer a great opportunity for those who can afford to buy or refinance. Still, few people are &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/12/15/refi-if-you-can-rates-hit-new-record-low-again/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1013&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>FHA &amp; VA Max Loan Limits Are Back, But Not Freddie/Fannie</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/11/21/fha-va-max-loan-limits-are-back-but-not-freddiefannie/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/11/21/fha-va-max-loan-limits-are-back-but-not-freddiefannie/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 17:22:40 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1001</guid>
		<description><![CDATA[President Barack Obama signed a bill Friday that reinstates the recently expired higher loan limits that were in effect for FHA and VA loans through December 31, 2013 but does not provide this extension to Freddie Mac and Fannie Mae. &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/11/21/fha-va-max-loan-limits-are-back-but-not-freddiefannie/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1001&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>4</slash:comments>
	
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		<title>HARP 2.0 Fannie Mae DU REFI PLUS Changes</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-fannie-mae-du-refi-plus-changes/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-fannie-mae-du-refi-plus-changes/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 21:57:27 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1007</guid>
		<description><![CDATA[REFI &#38; DU REFI PLUS (Fannie Mae Bulletin 11/15/11) Program Extension The HARP program has been extended. Accordingly, lenders will now be able to originate Refi Plus and DU Refi Plus mortgage loans provided the note date is on or &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-fannie-mae-du-refi-plus-changes/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1007&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>HARP 2.0 Freddie Mac Open Access Changes</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-freddie-mac-open-access-changes/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-freddie-mac-open-access-changes/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 21:29:28 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=1004</guid>
		<description><![CDATA[RELIEF REFINANCE MORTGAGES – OPEN ACCESS (Freddie Mac 11/15/11 Bulletin) Effective for Mortgages with loan applications dated on or after December 1, 2011 and Freddie Mac Settlement Dates on or after January 3, 2012 ■ Adding a Borrower benefit provision &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/11/16/harp-2-0-freddie-mac-open-access-changes/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=1004&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>U.S. Banks Face Significant Risks In Euro Crisis</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/11/07/u-s-banks-face-significant-risks-in-euro-crisis/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/11/07/u-s-banks-face-significant-risks-in-euro-crisis/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 21:33:40 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=997</guid>
		<description><![CDATA[About one-half of top U.S. banks surveyed by the Federal Reserve reported making loans or extending credit to European banks, which are under massive pressure from an ongoing political crisis. The findings from a quarterly lending poll suggested that the &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/11/07/u-s-banks-face-significant-risks-in-euro-crisis/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=997&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Updated Changes on HARP &#8220;Stimulus&#8221; Refi Program</title>
		<link>http://straightforwardfinancial.wordpress.com/2011/10/24/updated-changes-on-harp-stimulus-refi-program/</link>
		<comments>http://straightforwardfinancial.wordpress.com/2011/10/24/updated-changes-on-harp-stimulus-refi-program/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 22:19:21 +0000</pubDate>
		<dc:creator>Paul Wickstrom</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://straightforwardfinancial.wordpress.com/?p=990</guid>
		<description><![CDATA[ (From the FHFA News Release) The new program enhancements address several other key aspects of HARP including: *Eliminating certain risk-based fees for borrowers who refinance into shorter-term mortgages and lowering fees for other borrowers; *Removing the current 125 percent LTV &#8230; <a href="http://straightforwardfinancial.wordpress.com/2011/10/24/updated-changes-on-harp-stimulus-refi-program/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=straightforwardfinancial.wordpress.com&amp;blog=3953060&amp;post=990&amp;subd=straightforwardfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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