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	<title>Ascent Home Loans&#187; Santa Rosa Mortgages|Santa Rosa Home Loans|FHA|VA\Refinance</title>
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		<title>Realize You Must Seize the Day</title>
		<link>http://ascentsantarosahomeloan.com/credit-score/realize-you-must-seize-the-day/</link>
		<comments>http://ascentsantarosahomeloan.com/credit-score/realize-you-must-seize-the-day/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 19:43:17 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Loan]]></category>
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		<category><![CDATA[Mortgage]]></category>
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		<category><![CDATA[Refinance]]></category>
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		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=172</guid>
		<description><![CDATA[“Seize the day, and put the least possible trust in  tomorrow.”
 Horace quotes (Ancient Roman Poet. 65 BC)
The above words were never more true in today&#8217;s mortgage climate. As I mentioned in my previous blog, &#8220;Refinance and Purchase Why Not Wait?&#8221;, I explained why it was not wise to wait to lock in a [...]]]></description>
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		<title>Mortgage Credit Card Fraud What Could It Hurt?</title>
		<link>http://ascentsantarosahomeloan.com/credit-score/mortgage-credit-card-fraud-what-could-it-hurt/</link>
		<comments>http://ascentsantarosahomeloan.com/credit-score/mortgage-credit-card-fraud-what-could-it-hurt/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 18:56:41 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Fraud]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[bankruptcy]]></category>
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		<category><![CDATA[dire straights]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
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		<category><![CDATA[telling the truth]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=159</guid>
		<description><![CDATA[Everyday one can&#8217;t pass a TV or newspaper stand without seeing a story on the spiraling economy, home prices, or employees losing their jobs. You hear it on the radio, standing in line for a coffee and even in restaurants.  The latter is what provoked this blog being written.
As I sat enjoying my lunch at a local [...]]]></description>
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		<title>Time To Refinance With The Coming Changes In FHA?</title>
		<link>http://ascentsantarosahomeloan.com/credit-score/time-to-refinance-with-the-coming-changes-in-fha/</link>
		<comments>http://ascentsantarosahomeloan.com/credit-score/time-to-refinance-with-the-coming-changes-in-fha/#comments</comments>
		<pubDate>Wed, 12 Dec 2007 21:05:14 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[adjustable rate mortgages]]></category>
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		<category><![CDATA[fha program]]></category>
		<category><![CDATA[fha programs]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[median home prices]]></category>
		<category><![CDATA[s market]]></category>
		<category><![CDATA[senate bill]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=109</guid>
		<description><![CDATA[The Senate has recently passed Senate Bill S 2338 which changes dramatically the structure of the standard FHA program.  In recent years FHA programs have not been used to any extent here in California due to the median home prices being much higher than the $362,790 FHA loan limit established for most of the state.  [...]]]></description>
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		<title>Don&#8217;t Blow Off A Low Credit Score</title>
		<link>http://ascentsantarosahomeloan.com/credit-score/dont-blow-off-a-low-credit-score/</link>
		<comments>http://ascentsantarosahomeloan.com/credit-score/dont-blow-off-a-low-credit-score/#comments</comments>
		<pubDate>Sat, 25 Aug 2007 18:35:56 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Fraud]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[current situation]]></category>
		<category><![CDATA[erroneous charges]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[medical problems]]></category>
		<category><![CDATA[mortgage professionals]]></category>
		<category><![CDATA[ssi disability]]></category>
		<category><![CDATA[taking the time]]></category>
		<category><![CDATA[teaser rate]]></category>
		<category><![CDATA[teaser rates]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=83</guid>
		<description><![CDATA[It seems to me over the past month, the highest percentage of calls that I have received have been mostly from borrowers desperate to be approved for a loan so they can purchase a home. I&#8217;m not talking about the obvious ones; ( the ones that are trying to pull something and commit fraud), but the honest [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>I&#8217;ll Have A Burger, Fries and Throw In A Paystub And New Bank Account</title>
		<link>http://ascentsantarosahomeloan.com/credit-score/ill-have-a-burger-fries-and-throw-in-a-paystub-and-new-bank-account/</link>
		<comments>http://ascentsantarosahomeloan.com/credit-score/ill-have-a-burger-fries-and-throw-in-a-paystub-and-new-bank-account/#comments</comments>
		<pubDate>Thu, 28 Jun 2007 18:12:06 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Fraud]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=73</guid>
		<description><![CDATA[The internet can be a wondrous thing. You can find information that has never before been afforded to the masses.  You can advertise your services and order almost anything you desire; a new plasma TV, camera, computer, and, oh yes, even a new pay-stub, bank account and credit score.
Entrepreneurship is amazing. New cottage industries pop up [...]]]></description>
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