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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>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>
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		<category><![CDATA[fha guidelines]]></category>
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		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[first time home]]></category>
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		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[lenders]]></category>
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		<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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		<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>
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		<category><![CDATA[necessary documentation]]></category>
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		<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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		<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>
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		<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>
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		<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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		</item>
		<item>
		<title>Who Exactly Sets The Interest Rates?</title>
		<link>http://ascentsantarosahomeloan.com/conforming-loan/127/</link>
		<comments>http://ascentsantarosahomeloan.com/conforming-loan/127/#comments</comments>
		<pubDate>Wed, 11 Jun 2008 23:05:52 +0000</pubDate>
		<dc:creator>sdov</dc:creator>
				<category><![CDATA[Conforming Loan]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Jumbo Loans]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[10 year treasury]]></category>
		<category><![CDATA[chicago board of trade]]></category>
		<category><![CDATA[conforming loan limit]]></category>
		<category><![CDATA[conforming mortgage]]></category>
		<category><![CDATA[fannie mae and freddie mac]]></category>
		<category><![CDATA[fed funds rate]]></category>
		<category><![CDATA[federal reserves]]></category>
		<category><![CDATA[hand signals]]></category>
		<category><![CDATA[initial rates]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[jumbo market]]></category>
		<category><![CDATA[jumbos]]></category>
		<category><![CDATA[loan range]]></category>
		<category><![CDATA[money supply]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Stimulus Package]]></category>
		<category><![CDATA[term mortgage]]></category>

		<guid isPermaLink="false">http://ascentsantarosahomeloan.com/?p=127</guid>
		<description><![CDATA[Over the past few months I have had both current clients and potential clients calling and asking why haven&#8217;t the interest rates dropped more. &#8220;The Fed Funds Rate is really low.&#8221; &#8220;How long will it take for mortgage rates to go down ?&#8221; &#8220;I&#8217;m going to wait a little longer, I know they will drop [...]]]></description>
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