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	<title>Ascent Home Loans&#187; Santa Rosa Mortgages|Santa Rosa Home Loans|FHA|VA\Refinance</title>
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	<link>http://ascentsantarosahomeloan.com</link>
	<description>Home Loans Tailored To your Needs</description>
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			<item>
		<title>Use $8000 Tax Credit For FHA Downpayment? Close But No Cigar</title>
		<link>http://ascentsantarosahomeloan.com/fha/use-8000-tax-credit-for-fha-downpayment-close-but-no-cigar/</link>
		<comments>http://ascentsantarosahomeloan.com/fha/use-8000-tax-credit-for-fha-downpayment-close-but-no-cigar/#comments</comments>
		<pubDate>Sun, 05 Jul 2009 21:38:50 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[advertisements]]></category>
		<category><![CDATA[bridge loan]]></category>
		<category><![CDATA[Bush]]></category>
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		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[escrow]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha loan]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[first time home]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[obama]]></category>
		<category><![CDATA[original 3]]></category>
		<category><![CDATA[profit agencies]]></category>
		<category><![CDATA[state and local government]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[time home buyers]]></category>
		<category><![CDATA[time homebuyer]]></category>
		<category><![CDATA[what this means]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=191</guid>
		<description><![CDATA[I’m sure many of you have heard over the past few weeks, or maybe even saw some of the advertisements touting that FHA will now allow First-time Home buyers to use the stimulus packages $8000 tax credit as a down payment for a home. As exciting as that may sound to the first-time home buyer, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[3 years]]></category>
		<category><![CDATA[ancient roman poet]]></category>
		<category><![CDATA[banking system]]></category>
		<category><![CDATA[climate]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[economic crisis]]></category>
		<category><![CDATA[fence]]></category>
		<category><![CDATA[freddie mac underwriting guidelines]]></category>
		<category><![CDATA[horace]]></category>
		<category><![CDATA[instances]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan application]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[necessary documentation]]></category>
		<category><![CDATA[rate quotes]]></category>
		<category><![CDATA[senate]]></category>

		<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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		<slash:comments>0</slash:comments>
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		<item>
		<title>Why Not Wait To Refinance Or Purchase A Home</title>
		<link>http://ascentsantarosahomeloan.com/interest-rates/why-not-wait-to-refinance-or-purchase-a-home/</link>
		<comments>http://ascentsantarosahomeloan.com/interest-rates/why-not-wait-to-refinance-or-purchase-a-home/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 19:29:28 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<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[Stimulus Package]]></category>
		<category><![CDATA[Tarp]]></category>
		<category><![CDATA[30 year fixed]]></category>
		<category><![CDATA[acquisitions]]></category>
		<category><![CDATA[anticipation]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[bottom lines]]></category>
		<category><![CDATA[chief executives]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[daily basis]]></category>
		<category><![CDATA[dream home]]></category>
		<category><![CDATA[federal government report]]></category>
		<category><![CDATA[governments]]></category>
		<category><![CDATA[high interest]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[lending institutions]]></category>
		<category><![CDATA[losses]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[mortgage applications]]></category>
		<category><![CDATA[mortgage industry]]></category>
		<category><![CDATA[option arm mortgages]]></category>
		<category><![CDATA[what this means]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=170</guid>
		<description><![CDATA[Every month the mortgage industry and also the federal government report on whether mortgage applications have increased or decreased. Since the government has started purchasing loans, interest rates have fallen into the mid 4 to 5% range. This has brought about the opportunity many have been waiting for to refinance out from under their option [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Interest Rates Fall-For Now</title>
		<link>http://ascentsantarosahomeloan.com/fha/mortgage-interest-rates-fall-for-now/</link>
		<comments>http://ascentsantarosahomeloan.com/fha/mortgage-interest-rates-fall-for-now/#comments</comments>
		<pubDate>Sun, 28 Sep 2008 18:50:29 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Housing Recovery Act]]></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[Stimulus Package]]></category>
		<category><![CDATA[billions of dollars]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[debt to income ratio]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fannie mae and freddie mac]]></category>
		<category><![CDATA[feeble attempts]]></category>
		<category><![CDATA[fhasecure]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[instances]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[ltv]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[option arm loans]]></category>
		<category><![CDATA[takeover]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=154</guid>
		<description><![CDATA[Over the past year, there have been numerous failures in the banking and lending industries. Even the government tried with it&#8217;s own feeble attempts to help borrowers with several failed programs such as Hope Now and FHASecure. Who would have thought that the government taking over Fannie Mae and Freddie Mac would actually be the first thing to help borrowers [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who Knew VA Had A Jumbo Loan?</title>
		<link>http://ascentsantarosahomeloan.com/conforming-loan/who-knew-va-had-a-jumbo-loan/</link>
		<comments>http://ascentsantarosahomeloan.com/conforming-loan/who-knew-va-had-a-jumbo-loan/#comments</comments>
		<pubDate>Fri, 05 Sep 2008 18:43:50 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Conforming Loan]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Housing Recovery Act]]></category>
		<category><![CDATA[Jumbo Loans]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[100% LTV]]></category>
		<category><![CDATA[adjustable loan]]></category>
		<category><![CDATA[army]]></category>
		<category><![CDATA[army.navy]]></category>
		<category><![CDATA[congress senate]]></category>
		<category><![CDATA[economic recovery act]]></category>
		<category><![CDATA[first time home]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[guaranty]]></category>
		<category><![CDATA[hoopla]]></category>
		<category><![CDATA[jumbos]]></category>
		<category><![CDATA[loan limits]]></category>
		<category><![CDATA[loan program]]></category>
		<category><![CDATA[loan programs]]></category>
		<category><![CDATA[marine]]></category>
		<category><![CDATA[money down]]></category>
		<category><![CDATA[national guard]]></category>
		<category><![CDATA[navy]]></category>
		<category><![CDATA[time home buyers]]></category>
		<category><![CDATA[va jumbo loan]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=148</guid>
		<description><![CDATA[There has been much hoopla about the changes that have been made for the past year in regards to Fannie Mae, Freddie Mac and FHA. Freddie and Fannie have created Agency Jumbos along with FHA creating it&#8217;s own FHA Jumbo loan program. Loan limits have been raised to help struggling borrowers refinance out their adjustable [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The VA Loan-The Runt Of The Litter</title>
		<link>http://ascentsantarosahomeloan.com/fannie-mae/the-va-loan-the-runt-of-the-litter/</link>
		<comments>http://ascentsantarosahomeloan.com/fannie-mae/the-va-loan-the-runt-of-the-litter/#comments</comments>
		<pubDate>Tue, 22 Jul 2008 18:22:54 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[100% LTV]]></category>
		<category><![CDATA[active duty military personnel]]></category>
		<category><![CDATA[adjustable mortgage]]></category>
		<category><![CDATA[army]]></category>
		<category><![CDATA[congress senate]]></category>
		<category><![CDATA[earnest money deposit]]></category>
		<category><![CDATA[fannie freddie]]></category>
		<category><![CDATA[fhasecure]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[implosion]]></category>
		<category><![CDATA[loan limit]]></category>
		<category><![CDATA[loan limits]]></category>
		<category><![CDATA[loan loans]]></category>
		<category><![CDATA[loan program]]></category>
		<category><![CDATA[marine]]></category>
		<category><![CDATA[maximum loan]]></category>
		<category><![CDATA[mortgage companies]]></category>
		<category><![CDATA[national guard]]></category>
		<category><![CDATA[navy]]></category>
		<category><![CDATA[necessary money]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[time home buyer]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=137</guid>
		<description><![CDATA[Over the past year since the mortgage and housing implosion has started, we have only heard about Fannie Mae this and Freddie Mac that. Mortgage companies have come and gone, some deservedly.  Fannie, Freddie and FHA maximum loan limits have been adjusted upwards thanks to the stimulus package, and soon to a more permanent status by [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Competition Is Tough, Get Your Home Ready Now To Sell</title>
		<link>http://ascentsantarosahomeloan.com/fannie-mae/competition-is-tough-get-your-home-ready-now-to-sell/</link>
		<comments>http://ascentsantarosahomeloan.com/fannie-mae/competition-is-tough-get-your-home-ready-now-to-sell/#comments</comments>
		<pubDate>Tue, 22 Jan 2008 21:13:55 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Renovate]]></category>
		<category><![CDATA[Selling A Home]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[bright colors]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[color schemes]]></category>
		<category><![CDATA[conforming loan limit]]></category>
		<category><![CDATA[home makeover]]></category>
		<category><![CDATA[home warranty]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[living room]]></category>
		<category><![CDATA[multitude]]></category>
		<category><![CDATA[neutral color]]></category>
		<category><![CDATA[refinances]]></category>
		<category><![CDATA[renovation project]]></category>
		<category><![CDATA[renovations]]></category>
		<category><![CDATA[several ways]]></category>
		<category><![CDATA[sledge hammer]]></category>
		<category><![CDATA[stimulus bill]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=113</guid>
		<description><![CDATA[With the passing of the stimulus bill now behind us, in a few short weeks Fannie Mae, Freddie Mac and FHA will release their new guidelines on loans above the conforming loan limit of $417,000.  Although this will help to stimulate refinances and home sales, there are two things that homeowners must consider.  The first [...]]]></description>
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