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	<title>Ascent Home Loans&#187; Santa Rosa Mortgages|Santa Rosa Home Loans|FHA|VA\Refinance</title>
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	<description>Home Loans Tailored To your Needs</description>
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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>
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		<category><![CDATA[instances]]></category>
		<category><![CDATA[interest rate]]></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>
		<category><![CDATA[borrowers]]></category>
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		<category><![CDATA[coffee]]></category>
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		<category><![CDATA[consequences]]></category>
		<category><![CDATA[credit card bills]]></category>
		<category><![CDATA[credit card payments]]></category>
		<category><![CDATA[dire straights]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[frustration]]></category>
		<category><![CDATA[interest rate]]></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>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>
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		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[Freddie Mac]]></category>
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		<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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		<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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