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	<title>The Home Loan Specialist</title>
	<link>http://www.houstonmortgageblog.org</link>
	<description></description>
	<lastBuildDate>Thu, 02 Sep 2010 16:03:48 +0000</lastBuildDate>
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		<title>Mortgage Insurance Premiums on FHA Loans will Increase on October 4th</title>
		<description><![CDATA[The Federal Housing Administration (FHA) has announced that monthly mortgage insurance premiums on FHA-insured mortgage loans will increase from the current rate of .50-.55%, to .85-.90% on October 4th.]]></description>
		<link>http://www.houstonmortgageblog.org/?p=551</link>
			</item>
	<item>
		<title></title>
		<description><![CDATA[The sooner the better might be best if you are thinking about buying a home in the near future using an FHA loan.]]></description>
		<link>http://www.houstonmortgageblog.org/?p=548</link>
			</item>
	<item>
		<title>Why You Might End Up Hating Your Dream Home</title>
		<description><![CDATA[Your dream home just might be your worst nightmare!]]></description>
		<link>http://www.houstonmortgageblog.org/?p=542</link>
			</item>
	<item>
		<title>Rural Housing Loan Program Extended</title>
		<description><![CDATA[Rural homebuyers will see the USDA loan guarantee benefits extended.   That in addition to low rates makes it a great time to purchase a home in non-metro areas of Houston!]]></description>
		<link>http://www.houstonmortgageblog.org/?p=537</link>
			</item>
	<item>
		<title>Flood and Tax Credit Bills Pass</title>
		<description><![CDATA[Late last night, the Senate approved HR 5623 which extends the closing deadline to qualify for the $8,000 first-time and $6,500 repeat homebuyer tax credit through September 30th. In addition, HR 5569 extending the National Flood Insurance Program to September 30th, 2010 was also passed.]]></description>
		<link>http://www.houstonmortgageblog.org/?p=527</link>
			</item>
	<item>
		<title>15-Year Mortgage Rates Drop to Record Low Levels</title>
		<description><![CDATA[Now might be the time to refinance your ARM - rates are at their historical lowest levels.]]></description>
		<link>http://www.houstonmortgageblog.org/?p=520</link>
			</item>
	<item>
		<title>Bank or Broker?  How Should You Get Your Mortgage?</title>
		<description><![CDATA[Choose carefully when deciding between using a broker and a bank for your mortgage needs. ]]></description>
		<link>http://www.houstonmortgageblog.org/?p=513</link>
			</item>
	<item>
		<title>Mortgage Borrowers Need to be Careful with Multiple Credit Inquiries</title>
		<description><![CDATA[If you are applying for a home mortgage, you might already know that your credit score can be affected by the number of inquiries on your credit report.   What you may not know is that even after you have been approved for your mortgage, your lender will likely pull an additional credit report just before [...]]]></description>
		<link>http://www.houstonmortgageblog.org/?p=510</link>
			</item>
	<item>
		<title>Thought the Tax Breaks Were Over?  Think Again!</title>
		<description><![CDATA[It might seem that the tax advantage of being a homebuyer ended on April 30th; however, we know a way to keep those tax benefits rolling in!]]></description>
		<link>http://www.houstonmortgageblog.org/?p=504</link>
			</item>
	<item>
		<title>HAFA Program Offers Real Solution to Struggling Homeowners</title>
		<description><![CDATA[If you are late or delinquent on your mortgage payments, there is a real option offered if you want to sell your home.]]></description>
		<link>http://www.houstonmortgageblog.org/?p=499</link>
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