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	<title>The Mortgage Centre &#187; mortgage</title>
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	<link>http://www.mortgageadz.com</link>
	<description>Mortgage Definition, private mortgage insurance, mortgage articles and more!</description>
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		<item>
		<title>Can I afford to buy a home?</title>
		<link>http://www.mortgageadz.com/2011/06/can-i-afford-to-buy-a-home/</link>
		<comments>http://www.mortgageadz.com/2011/06/can-i-afford-to-buy-a-home/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 22:34:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Questions]]></category>
		<category><![CDATA[Can I afford to buy a home?]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[housing budget]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[planning to buy a home]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=230</guid>
		<description><![CDATA[There are a couple of ways to approach the question &#8220;Can I afford to buy a home&#8221;? One way is to see it from they eyes of a lender. Most lenders agree on the following guidelines: Your debt-to-income ration can be no more than 36% A housing payment-to-income ration of no more than 33%, preferably [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be smart when you refinance your home</title>
		<link>http://www.mortgageadz.com/2008/12/be-smart-when-you-refinance-your-home/</link>
		<comments>http://www.mortgageadz.com/2008/12/be-smart-when-you-refinance-your-home/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 02:47:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Mortgage Articles]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refi]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance and save]]></category>
		<category><![CDATA[smart]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=155</guid>
		<description><![CDATA[It may sound tempting to refinance your home loan now that rates are low, but is it really the smart thing to do? Before you make the final decision to refinance your home be sure to do all the calculations carefully. You could actually end up losing money on a home refinance. When you refinance [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Private Mortgage Insurance (PMI)</title>
		<link>http://www.mortgageadz.com/2008/10/private-mortgage-insurance-pmi/</link>
		<comments>http://www.mortgageadz.com/2008/10/private-mortgage-insurance-pmi/#comments</comments>
		<pubDate>Sat, 25 Oct 2008 02:48:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Terms]]></category>
		<category><![CDATA[20% equity]]></category>
		<category><![CDATA[80% equity]]></category>
		<category><![CDATA[apprasial]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pmi]]></category>
		<category><![CDATA[policy]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[terminate PMI]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=92</guid>
		<description><![CDATA[Private Mortgage Insurance (PMI) is basically a third party insurance policy that covers a lenders risk when the buyer doesn&#8217;t have at least 20% equity in a home. So if you don&#8217;t pay down 20% or you don&#8217;t purchase your home for 20% less than what it appraises for then you will usually be required [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How much should a mortgage down payment be?</title>
		<link>http://www.mortgageadz.com/2008/10/how-much-should-a-mortgage-down-payment-be/</link>
		<comments>http://www.mortgageadz.com/2008/10/how-much-should-a-mortgage-down-payment-be/#comments</comments>
		<pubDate>Wed, 15 Oct 2008 22:49:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Mortgage Articles]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[down payment amount]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[terms]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=115</guid>
		<description><![CDATA[Deciding how much down payment to pay on your home mortgage affects many aspects of purchasing a home. Before you talk to a realtor or call about a home listing you should figure out how much money you can pay down on your home. Your down payment can affect your interest rate, the amount of  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest Only Mortgage Loan Information</title>
		<link>http://www.mortgageadz.com/2008/09/interest-only-mortgage-loan-information/</link>
		<comments>http://www.mortgageadz.com/2008/09/interest-only-mortgage-loan-information/#comments</comments>
		<pubDate>Wed, 03 Sep 2008 20:23:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Types of Mortgages]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[high interest rate]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[interest only loan]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=80</guid>
		<description><![CDATA[Interest only mortgage loans usually have an interest only period of 5 to 10 years. During this time period the borrower only has to pay the interest on the loan. After the initial interest only time period the remaining balance is amortized for the remaining term of the loan. For example if the initial loan was [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Piggyback Mortgage Loan Information</title>
		<link>http://www.mortgageadz.com/2008/09/piggyback-mortgage-loan-information/</link>
		<comments>http://www.mortgageadz.com/2008/09/piggyback-mortgage-loan-information/#comments</comments>
		<pubDate>Wed, 03 Sep 2008 01:06:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[80-10-10 loan]]></category>
		<category><![CDATA[80-20 loan]]></category>
		<category><![CDATA[85-15-5 loans]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[piggy back loan]]></category>
		<category><![CDATA[piggyback loan]]></category>
		<category><![CDATA[piggyback loan calculator]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=75</guid>
		<description><![CDATA[A piggyback loan is a mortgage loan in which the financing is handled by two different lenders. The first lender finances a large portion of the loan, usually 80% and another seperate lender finances the remaining balance of the loan. There are three common options of piggyback loans, 80-10-10 loan, the 80-20 loan (also known [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Home loan information</title>
		<link>http://www.mortgageadz.com/2008/08/fha-home-loan-information/</link>
		<comments>http://www.mortgageadz.com/2008/08/fha-home-loan-information/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 02:26:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Types of Mortgages]]></category>
		<category><![CDATA[FHA experts]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA modernization]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=34</guid>
		<description><![CDATA[FHA home loans are a great way to purchase or refinance your next home. When it comes to mortgages there many different possibilities for financing. The best way to decide which type of loan is best for you it to be informed and educated about all the different types of loans available (FHA and Conventional). [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Conventional loan</title>
		<link>http://www.mortgageadz.com/2008/08/conventional-loan/</link>
		<comments>http://www.mortgageadz.com/2008/08/conventional-loan/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 01:54:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Types of Mortgages]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[conventional]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[loan conventional]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=25</guid>
		<description><![CDATA[Conventional loan defined  A conventional loan is basically any mortgage loan that is not insured by the federal government or the FHA (the Federal Housing Administration). A conventional loan was the first type of traditional mortgage loan made by lenders. It was basically a fixed rate mortgage for the entire period of the loan. Lenders [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Reasons you may want to refinance your home</title>
		<link>http://www.mortgageadz.com/2008/08/reasons-you-may-want-to-refinance-your-home/</link>
		<comments>http://www.mortgageadz.com/2008/08/reasons-you-may-want-to-refinance-your-home/#comments</comments>
		<pubDate>Tue, 19 Aug 2008 20:24:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consolidate debt]]></category>
		<category><![CDATA[get cash from my home]]></category>
		<category><![CDATA[how to refinance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest rate]]></category>
		<category><![CDATA[pay off bills]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[when should I refinance]]></category>

		<guid isPermaLink="false">http://www.mortgageadz.com/?p=12</guid>
		<description><![CDATA[Interest rates are still very low compared to a decade ago. Average mortgage interest rates continue to stay around the 6.5% mark for the 30 year fixed loan. You may have thought about refinancing your home loan before, but just never got around to following through, or maybe you just didn&#8217;t know if it would [...]]]></description>
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