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	<title>NW Indiana Loan Guy Blog &#187; first time homebuyer</title>
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	<link>http://nwihomeloan.com</link>
	<description>Mortgage Information For Informed Indiana Homebuyers</description>
	<lastBuildDate>Fri, 03 Sep 2010 03:28:41 +0000</lastBuildDate>
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		<title>The Good, The Bad, and The Ugly</title>
		<link>http://nwihomeloan.com/the-good-the-bad-and-the-ugly/</link>
		<comments>http://nwihomeloan.com/the-good-the-bad-and-the-ugly/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 19:28:59 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[nwiloanguy.com]]></category>
		<category><![CDATA[rural development]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=660</guid>
		<description><![CDATA[The government. You can&#8217;t live with &#8216;em and they apparently have no plans to go away&#8230; I&#8217;m not passing judgment here; I&#8217;ll leave that to you. I&#8217;m just going to provide a little biased information. The GOOD &#8211; The Senate approved the extension of the end date for the Homebuyer&#8217;s Tax Credit. The original plan [...]]]></description>
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		<title>I Hate It When I&#8217;m Right</title>
		<link>http://nwihomeloan.com/i-hate-it-when-im-right/</link>
		<comments>http://nwihomeloan.com/i-hate-it-when-im-right/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 18:30:03 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[home buyer tax credit]]></category>
		<category><![CDATA[Indiana FHA]]></category>
		<category><![CDATA[Indiana FHA 203(k) Streamline]]></category>
		<category><![CDATA[Indiana USDA]]></category>
		<category><![CDATA[USDA loans]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=648</guid>
		<description><![CDATA[OK, let me restate that. I hate it when I&#8217;m right sometimes&#8230; I&#8217;ve been telling my current and future clients that they need to seriously consider purchasing before the end of March. Why March, because the Fed was going to cut back on buying the mortgage-backed securities. When the Fed does that, it means that [...]]]></description>
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		<title>Free Homebuyer&#8217;s Book</title>
		<link>http://nwihomeloan.com/free-homebuyers-book/</link>
		<comments>http://nwihomeloan.com/free-homebuyers-book/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 04:41:48 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[first time homebuyer]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=637</guid>
		<description><![CDATA[There has never been a better time than now to buy a home. The prices are lower than ever and the Federal Reserve continues to keep the interest rates low in an effort to stimulate the economy. Yet few people are buying because they are either afraid or intimidated by the aspect of “losing money.” [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA Changes On The Horizon</title>
		<link>http://nwihomeloan.com/fha-changes-on-the-horizon/</link>
		<comments>http://nwihomeloan.com/fha-changes-on-the-horizon/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 15:40:31 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[FHA downpayment]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[Indiana FHA]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgage insurance premium]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[seller concessions]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=601</guid>
		<description><![CDATA[FHA just announced that there will likely be some changes to their requirements for insuring loans effective April 5, 2010. The main ones include an increase in the upfront mortgage insurance premium (UFMIP) and a decrease in seller concessions from 6% to 3%. For those who don&#8217;t know what UFMIP is, it is the &#8220;downpayment&#8221; [...]]]></description>
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		<title>No Better Time To Buy or Refinance</title>
		<link>http://nwihomeloan.com/no-better-time-to-buy-or-refinance/</link>
		<comments>http://nwihomeloan.com/no-better-time-to-buy-or-refinance/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 18:41:58 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Delinquencies and Foreclosures]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[Indiana FHA]]></category>
		<category><![CDATA[indiana loans]]></category>
		<category><![CDATA[indiana mortgages]]></category>
		<category><![CDATA[Indiana real estate]]></category>
		<category><![CDATA[Indiana USDA]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[USDA loans]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=582</guid>
		<description><![CDATA[I can hear it now. Someone out there is saying &#8220;Come on Scott, you&#8217;re just saying that to get my business. With all those unfortunate people losing their homes, how can now be a good time to buy?&#8221; Unfortunately for them, the answer is because of that, not in spite of it. First, let me [...]]]></description>
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