<?xml version="1.0" encoding="UTF-8"?> <rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:rawvoice="http://www.rawvoice.com/rawvoiceRssModule/" ><channel><title>Homeownership University</title> <atom:link href="http://www.homeownershipuniversity.com/feed/" rel="self" type="application/rss+xml" /><link>http://www.homeownershipuniversity.com</link> <description>Educating and Empowering Homeowners to Make More Informed Decisions</description> <lastBuildDate>Tue, 15 May 2012 22:28:58 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.3.2</generator><itunes:summary>Educating and Empowering Homeowners to Make More Informed Decisions</itunes:summary> <itunes:author>Homeownership University</itunes:author> <itunes:explicit>no</itunes:explicit> <itunes:image href="http://www.homeownershipuniversity.com/wp-content/plugins/powerpress/itunes_default.jpg" /> <itunes:subtitle>Educating and Empowering Homeowners to Make More Informed Decisions</itunes:subtitle> <image><title>Homeownership University</title> <url>http://www.homeownershipuniversity.com/wp-content/plugins/powerpress/rss_default.jpg</url><link>http://www.homeownershipuniversity.com</link> </image> <item><title>Am I Eligible For A FHA Streamline Refinance?</title><link>http://www.homeownershipuniversity.com/home-mortgage-news/am-i-eligible-for-a-fha-streamline-refinance/</link> <comments>http://www.homeownershipuniversity.com/home-mortgage-news/am-i-eligible-for-a-fha-streamline-refinance/#comments</comments> <pubDate>Mon, 14 May 2012 23:51:59 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[Home Mortgage News]]></category> <category><![CDATA[featured]]></category> <category><![CDATA[fha]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9925</guid> <description><![CDATA[If you have a FHA mortgage on your home now, you&#8217;re probably getting buried in junk mail, phone calls and advertisements for a FHA streamline&#8230;.and your question is &#8220;is this more sleazy lender advertising or is it real?&#8221;. Well, it&#8217;s definitely real.  Let me explain what it is and when and why you might want [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/home-mortgage-news/am-i-eligible-for-a-fha-streamline-refinance/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Mortgage Principal Reduction for Californians in June 2012?</title><link>http://www.homeownershipuniversity.com/home-mortgage-news/mortgage-principle-reduction-for-californians-in-june-2012/</link> <comments>http://www.homeownershipuniversity.com/home-mortgage-news/mortgage-principle-reduction-for-californians-in-june-2012/#comments</comments> <pubDate>Mon, 14 May 2012 22:16:43 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[Home Mortgage News]]></category> <category><![CDATA[CalHFA]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9922</guid> <description><![CDATA[Keep Your Home California is a $2 billion home owner assistance program run by the California Housing Finance Agency (CalHFA) to help prevent foreclosure for economically challenged home owners in the State. $790 million of that fund is available to reduce principal balances for eligible families.  Since the program was rolled out last year, there [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/home-mortgage-news/mortgage-principle-reduction-for-californians-in-june-2012/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Non Fannie Mae HARP Refinance Program Coming Soon?</title><link>http://www.homeownershipuniversity.com/home-mortgage-news/non-fannie-mae-harp-refinance-coming/</link> <comments>http://www.homeownershipuniversity.com/home-mortgage-news/non-fannie-mae-harp-refinance-coming/#comments</comments> <pubDate>Mon, 14 May 2012 18:51:48 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[Home Mortgage News]]></category> <category><![CDATA[featured]]></category> <category><![CDATA[HARP]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9919</guid> <description><![CDATA[Building on the moderate success of the HARP 2.0 Refinance Program introduced earlier this year, President Obama is again pushing Congress to expand and improve accessibility to historically low interest rates for more American families. In February 2012 Congress shot down a proposal by the Administration to allow the early pay-off high interest rate loans [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/home-mortgage-news/non-fannie-mae-harp-refinance-coming/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>2012 CalHFA MCC First Time Home Buyer Tax Credit</title><link>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/calhfa-mcc-first-time-home-buyer-tax-credit/</link> <comments>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/calhfa-mcc-first-time-home-buyer-tax-credit/#comments</comments> <pubDate>Tue, 08 May 2012 05:17:57 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Mortgage a Home]]></category> <category><![CDATA[CalHFA]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9914</guid> <description><![CDATA[The California Housing Finance Agency (CalHFA) has announced a new tax credit (MCC) program on May 7th, 2012. It&#8217;s not exactly like the old federal tax credits that send you a check after you close escrow. This MCC Tax Credit program may enable first-time home buyers to convert a portion of their annual mortgage interest into [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/calhfa-mcc-first-time-home-buyer-tax-credit/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Conventional Low Down Payment is Cheaper than FHA Alternative</title><link>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/conventional-low-down-payment-fha-alternative/</link> <comments>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/conventional-low-down-payment-fha-alternative/#comments</comments> <pubDate>Tue, 08 May 2012 02:57:48 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Mortgage a Home]]></category> <category><![CDATA[conventional]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9911</guid> <description><![CDATA[Conventional financing with a 3% down payment is, for certain home buyers, a far better option than FHA financing. Most people think they need a 20% down payment to use conventional financing, that&#8217;s simply not true. FHA Mortgage Insurance Premiums Mortgage insurance is required anytime the first mortgage exceeds 80% of the value of the [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/conventional-low-down-payment-fha-alternative/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Competitive Advantage: Under 30 Day Escrow Will Appeal to Sellers</title><link>http://www.homeownershipuniversity.com/how-to-buy-a-home/competitive-advantage-under-30-day-escrow-will-appeal-to-sellers/</link> <comments>http://www.homeownershipuniversity.com/how-to-buy-a-home/competitive-advantage-under-30-day-escrow-will-appeal-to-sellers/#comments</comments> <pubDate>Mon, 30 Apr 2012 02:34:14 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Buy a Home]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.californiateachersandemployeeshomeloanprograms.com/?p=5556</guid> <description><![CDATA[Here&#8217;s an article that I originally wrote when the real estate market was a little more competitive back in March of 2010. Our closing times are averaging about 27 days right now, sometimes even faster.  Closing your loan early or on time is a huge competitive advantage when trying to appeal to sellers. Can closing [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-buy-a-home/competitive-advantage-under-30-day-escrow-will-appeal-to-sellers/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Buying Homes in a Bidding War – Understanding Competitive Markets</title><link>http://www.homeownershipuniversity.com/how-to-buy-a-home/buying-homes-in-a-bidding-war-understanding-competitive-markets/</link> <comments>http://www.homeownershipuniversity.com/how-to-buy-a-home/buying-homes-in-a-bidding-war-understanding-competitive-markets/#comments</comments> <pubDate>Sun, 29 Apr 2012 21:04:25 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Buy a Home]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.californiateachersandemployeeshomeloanprograms.com/?p=2459</guid> <description><![CDATA[This article was originally written on July 8th, 2009.  With multiple offers being made on the limited homes available for sale in this real estate market, I think it&#8217;s time to dust this article off. I talk to home buyers every day that are in the trenches fighting this war.  You will see very little in [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-buy-a-home/buying-homes-in-a-bidding-war-understanding-competitive-markets/feed/</wfw:commentRss> <slash:comments>5</slash:comments> </item> <item><title>Home Appraisal and Home Inspection When Buying A Home</title><link>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/home-appraisal-home-inspection-buying-home/</link> <comments>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/home-appraisal-home-inspection-buying-home/#comments</comments> <pubDate>Tue, 24 Apr 2012 09:10:54 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Mortgage a Home]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9904</guid> <description><![CDATA[When buying a home, after you get your offer accepted, an appraisal of the property is ordered and the buyer has the opportunity to hire a licensed home inspector to do a home inspection. An appraisal is required by the lender.  This is how the lender decides how much money to lend you to purchase [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/home-appraisal-home-inspection-buying-home/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Sellers Market Means More Competition for Buyers in 2012</title><link>http://www.homeownershipuniversity.com/how-to-buy-a-home/sellers-market-2012/</link> <comments>http://www.homeownershipuniversity.com/how-to-buy-a-home/sellers-market-2012/#comments</comments> <pubDate>Tue, 17 Apr 2012 08:49:33 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Buy a Home]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9897</guid> <description><![CDATA[A buyers market describes a real estate market that is advantageous to a home buyer. A sellers market describes a real estate market that is advantageous to a home seller. Normally, when a real estate market favors one party over the other, it is due to supply and demand. If there are many sellers in [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-buy-a-home/sellers-market-2012/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>VA Home Loan Declined?  Don&#8217;t Take No For An Answer</title><link>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/va-home-loan-declined-help/</link> <comments>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/va-home-loan-declined-help/#comments</comments> <pubDate>Tue, 10 Apr 2012 00:51:11 +0000</pubDate> <dc:creator>Scott Schang</dc:creator> <category><![CDATA[How to Mortgage a Home]]></category> <category><![CDATA[featured]]></category><guid isPermaLink="false">http://www.homeownershipuniversity.com/?p=9894</guid> <description><![CDATA[VA announced late last year that it was updating credit risk for Veteran home loans and boy, they were not lying. Updating credit risk basically means they are making it harder to qualify for a 100% financing mortgage. As a direct lender offering VA home loans, we have seen a significant increase in rejected loan [...]]]></description> <wfw:commentRss>http://www.homeownershipuniversity.com/how-to-mortgage-a-home/va-home-loan-declined-help/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel> </rss>
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