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	<title>Mortgage Insights Blog &#187; Mortgage Loan Insights</title>
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	<description>California real estate and home loan information</description>
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		<title>New $6500 Tax Credit for Repeat Home Buyers</title>
		<link>http://cal-lending.com/blog/2009/11/10/new-6500-tax-credit-for-repeat-home-buyers/</link>
		<comments>http://cal-lending.com/blog/2009/11/10/new-6500-tax-credit-for-repeat-home-buyers/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 21:03:52 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/11/10/new-6500-tax-credit-for-repeat-home-buyers/</guid>
		<description><![CDATA[In addition to First Time Home Buyers, existing homeowners purchasing a home for a primary residence can now benefit from the passage of the Home Buyers Tax Credit Extension.
I'll try to answer as many as I can in this FAQ and also provide you with some links to additional information and forms, but consult with [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Avoid owing the IRS $8000 &#8212; your home buyer tax credit</title>
		<link>http://cal-lending.com/blog/2009/10/19/avoid-owing-the-irs-8000-your-home-buyer-tax-credit/</link>
		<comments>http://cal-lending.com/blog/2009/10/19/avoid-owing-the-irs-8000-your-home-buyer-tax-credit/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 04:03:19 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/10/19/avoid-owing-the-irs-8000-your-home-buyer-tax-credit/</guid>
		<description><![CDATA[New data shows that cases of fraud involving the $8000 tax credit for first time homebuyers is on the rise, and the IRS is stepping up it's efforts to combat the issue. According to the Wall Street Journal today there are nearly 100,000 cases of suspected fraud currently being investigated, and nearly one million claims [...]]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/10/19/avoid-owing-the-irs-8000-your-home-buyer-tax-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New CA Lending Bills Signed Into Law Do NOTHING To Alleviate Foreclosures</title>
		<link>http://cal-lending.com/blog/2009/10/13/governor-schwarzenegger-approves-new-laws-affecting-california-home-loans/</link>
		<comments>http://cal-lending.com/blog/2009/10/13/governor-schwarzenegger-approves-new-laws-affecting-california-home-loans/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 04:35:13 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/10/13/governor-schwarzenegger-approves-new-laws-affecting-california-home-loans/</guid>
		<description><![CDATA[Governor Arnold Schwarzenegger approved seven new laws on October 11th that provide a range of new so-called consumer protections to home mortgage holders in a last-minute scamper session.
Absolutely NOTHING in the new legislation will help homeowners currently facing foreclosure, which was what the Democrat-sponsored bills were supposed to alleviate.

Late Sunday night, the governor signed AB [...]]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/10/13/governor-schwarzenegger-approves-new-laws-affecting-california-home-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Higher Loan Limits Set To Expire 12-31-09</title>
		<link>http://cal-lending.com/blog/2009/10/13/higher-loan-limits-set-to-expire-12-31-09/</link>
		<comments>http://cal-lending.com/blog/2009/10/13/higher-loan-limits-set-to-expire-12-31-09/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 03:30:14 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/10/13/higher-loan-limits-set-to-expire-12-31-09/</guid>
		<description><![CDATA[The current "temporary" higher loan limits for all California counties are due to expire at the end of the year. This applies to both FHA and conventional loans. As in 2008, I would expect many lenders to stop accepting submissions for these larger loans in late November/early December.  At this time there is no [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Mortgage Interest Rates Soon To Increase</title>
		<link>http://cal-lending.com/blog/2009/09/28/mortgage-interest-rates-soon-to-increase/</link>
		<comments>http://cal-lending.com/blog/2009/09/28/mortgage-interest-rates-soon-to-increase/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 04:49:49 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/09/28/mortgage-interest-rates-soon-to-increase/</guid>
		<description><![CDATA[You didn't really believe the government could keep rates low forever, did you? Most American homeowners don't know that it's only because the U.S. government has been purchasing mortgage backed securities that rates have been kept artificially low. 
But don't expect this party to last much longer.  
In a statement released last week by [...]]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/09/28/mortgage-interest-rates-soon-to-increase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Will A Hard Money Loan Cost Me?</title>
		<link>http://cal-lending.com/blog/2009/07/02/the-first-rule-of-hard-money-loans/</link>
		<comments>http://cal-lending.com/blog/2009/07/02/the-first-rule-of-hard-money-loans/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 21:00:23 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/07/02/the-first-rule-of-hard-money-loans/</guid>
		<description><![CDATA[If you're new to "hard money" loans &#8212; and many folks are in today's economy &#8212; it's likely your basis for understanding and comparing hard money lending will be based on what you already know about conventional bank loans.
Bank loans are bank loans. Hard money loans do not compare to bank loans. They are polar [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>California Home Loans &#8212; unique programs</title>
		<link>http://cal-lending.com/blog/2009/06/19/california-home-loans-unique-programs/</link>
		<comments>http://cal-lending.com/blog/2009/06/19/california-home-loans-unique-programs/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 20:19:15 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/06/19/california-home-loans-unique-programs/</guid>
		<description><![CDATA[I'm proud to offer many unique programs for California home buyers. These unique loans are currently in effect for 2009:
100% financing:
* "NO Down Payment" Cal Rural Home Loan: 100% financing is available for qualified home buyers in select communities across California. This loan product does NOT have a minimum credit score requirement, no mortgage insurance, [...]]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/06/19/california-home-loans-unique-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time Magazine Online Posts 25 People To Blame For Mortgage Crisis</title>
		<link>http://cal-lending.com/blog/2009/03/02/time-magazine-online-posts-25-people-to-blame-for-mortgage-crisis/</link>
		<comments>http://cal-lending.com/blog/2009/03/02/time-magazine-online-posts-25-people-to-blame-for-mortgage-crisis/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 05:59:24 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/03/02/time-magazine-online-posts-25-people-to-blame-for-mortgage-crisis/</guid>
		<description><![CDATA[TIME releases it's 25 People To Blame For The Financial Crisis. ]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/03/02/time-magazine-online-posts-25-people-to-blame-for-mortgage-crisis/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Home Construction Financing &#8212; Rule # 1 &#8212; Have ALL The Money You Need BEFORE Building!</title>
		<link>http://cal-lending.com/blog/2009/03/02/new-home-construction-financing-rule-1-have-all-the-money-you-need-before-building/</link>
		<comments>http://cal-lending.com/blog/2009/03/02/new-home-construction-financing-rule-1-have-all-the-money-you-need-before-building/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 04:47:28 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2009/03/02/new-home-construction-financing-rule-1-have-all-the-money-you-need-before-building/</guid>
		<description><![CDATA[If you don't have MORE than enough money to build, and then some, don't even start.]]></description>
		<wfw:commentRss>http://cal-lending.com/blog/2009/03/02/new-home-construction-financing-rule-1-have-all-the-money-you-need-before-building/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I Have A Living Trust?</title>
		<link>http://cal-lending.com/blog/2008/05/19/should-i-have-a-living-trust/</link>
		<comments>http://cal-lending.com/blog/2008/05/19/should-i-have-a-living-trust/#comments</comments>
		<pubDate>Mon, 19 May 2008 19:28:15 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgage Loan Insights]]></category>

		<guid isPermaLink="false">http://cal-lending.com/blog/2008/05/19/should-i-have-a-living-trust/</guid>
		<description><![CDATA[Living trusts are a complex personal financial issue that need careful, qualified consideration. Non-Revocable Trusts and Revocable Trusts are different in many ways.
With many Americans vesting title to their real estate in a living trust, and many more considering living trusts for future planning, is a living trust right for you? What are the pros [...]]]></description>
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		<slash:comments>0</slash:comments>
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