<?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/"
	>

<channel>
	<title>Ascent Home Loans&#187; Santa Rosa Mortgages|Santa Rosa Home Loans|FHA|VA\Refinance</title>
	<atom:link href="http://ascentsantarosahomeloan.com/tag/lenders/feed/" rel="self" type="application/rss+xml" />
	<link>http://ascentsantarosahomeloan.com</link>
	<description>Home Loans Tailored To your Needs</description>
	<lastBuildDate>Wed, 26 May 2010 19:31:58 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.4</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<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>
		<category><![CDATA[bush administration]]></category>
		<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>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/fha/use-8000-tax-credit-for-fha-downpayment-close-but-no-cigar/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/credit-score/realize-you-must-seize-the-day/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/interest-rates/why-not-wait-to-refinance-or-purchase-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Tips For The Homeowner</title>
		<link>http://ascentsantarosahomeloan.com/mortgage/tax-tips-for-the-homeowner/</link>
		<comments>http://ascentsantarosahomeloan.com/mortgage/tax-tips-for-the-homeowner/#comments</comments>
		<pubDate>Thu, 27 Mar 2008 21:49:48 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase A Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Tax Tips]]></category>
		<category><![CDATA[adjusted gross income]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[extra insurance]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[income taxes]]></category>
		<category><![CDATA[insurance premium]]></category>
		<category><![CDATA[january 1]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[ltv]]></category>
		<category><![CDATA[mortgage interest]]></category>
		<category><![CDATA[oan]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[pmi private mortgage insurance]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[real estate taxes]]></category>
		<category><![CDATA[restriction]]></category>
		<category><![CDATA[tax adviser]]></category>
		<category><![CDATA[tax deductions]]></category>
		<category><![CDATA[tax preparer]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=117</guid>
		<description><![CDATA[With less than 30 days left until April 15th, many homeowners are scrambling to get their paperwork together for their tax preparer appointment.  In all the frustrated and anxiety filled moments before the meeting, many homeowners may forget some of the tax deductions they may be allowed.  As a reminder, here are just a few [...]]]></description>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/mortgage/tax-tips-for-the-homeowner/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[competitive interest rates]]></category>
		<category><![CDATA[conforming loan limits]]></category>
		<category><![CDATA[extent]]></category>
		<category><![CDATA[extenuating circumstances]]></category>
		<category><![CDATA[fannie mae and freddie mac]]></category>
		<category><![CDATA[federal government]]></category>
		<category><![CDATA[fha loan limit]]></category>
		<category><![CDATA[fha loans]]></category>
		<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>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/credit-score/time-to-refinance-with-the-coming-changes-in-fha/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Hope For The Hope Now Program</title>
		<link>http://ascentsantarosahomeloan.com/fha/no-hope-for-the-hope-now-program/</link>
		<comments>http://ascentsantarosahomeloan.com/fha/no-hope-for-the-hope-now-program/#comments</comments>
		<pubDate>Sat, 20 Oct 2007 20:55:08 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Sub-Prime]]></category>
		<category><![CDATA[alliance members]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[case basis]]></category>
		<category><![CDATA[fhasecure program]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[guess]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[lessor]]></category>
		<category><![CDATA[loan agreement]]></category>
		<category><![CDATA[loan payments]]></category>
		<category><![CDATA[loan servicer]]></category>
		<category><![CDATA[mortgage service]]></category>
		<category><![CDATA[news media]]></category>
		<category><![CDATA[repayment plan]]></category>
		<category><![CDATA[standard solution]]></category>
		<category><![CDATA[superheros]]></category>
		<category><![CDATA[treasury secretary]]></category>
		<category><![CDATA[verge]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=99</guid>
		<description><![CDATA[As we sit and wait for what appears to be the Senate putting the FHASecure program on the back burner, we once again have the government, namely the Treasury Secretary traipsing out in front of the news media and declaring his support for&#8221;The Alliance&#8221; better known as the Hope Now Program, although, &#8220;The Alliance&#8221; sounds more [...]]]></description>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/fha/no-hope-for-the-hope-now-program/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://ascentsantarosahomeloan.com/credit-score/dont-blow-off-a-low-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

