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	<title>Comments for FHA Approved Loans</title>
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	<link>http://www.fhaapprovedloans.com</link>
	<description>FHA Approved Loans</description>
	<lastBuildDate>Fri, 17 Feb 2012 00:49:03 +0000</lastBuildDate>
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		<title>Comment on Novation Mortgage &#8211; Marietta, Georgia &#8211; FHA/VA Home Lender by AtlantaHomeSales</title>
		<link>http://www.fhaapprovedloans.com/741/va-home-loan-lenders/novation-mortgage-marietta-georgia-fhava-home-lender.html#comment-3939</link>
		<dc:creator>AtlantaHomeSales</dc:creator>
		<pubDate>Fri, 17 Feb 2012 00:49:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/741/va-home-loan-lenders/novation-mortgage-marietta-georgia-fhava-home-lender.html#comment-3939</guid>
		<description>OUTSTANDING 

Richard Simpson﻿</description>
		<content:encoded><![CDATA[<p>OUTSTANDING </p>
<p>Richard Simpson﻿</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on First Time Home Buyer Tax Credit Silicon Valley-San Jose Ca by 1888junkteam</title>
		<link>http://www.fhaapprovedloans.com/733/first-time-home-buyer-tax-credit/first-time-home-buyer-tax-credit-silicon-valley-san-jose-ca.html#comment-3909</link>
		<dc:creator>1888junkteam</dc:creator>
		<pubDate>Wed, 08 Feb 2012 12:08:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/733/first-time-home-buyer-tax-credit/first-time-home-buyer-tax-credit-silicon-valley-san-jose-ca.html#comment-3909</guid>
		<description>excellent﻿ work!</description>
		<content:encoded><![CDATA[<p>excellent﻿ work!</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on First Time Home Buyer Tax Credit Silicon Valley-San Jose Ca by 1888junkteam</title>
		<link>http://www.fhaapprovedloans.com/733/first-time-home-buyer-tax-credit/first-time-home-buyer-tax-credit-silicon-valley-san-jose-ca.html#comment-3908</link>
		<dc:creator>1888junkteam</dc:creator>
		<pubDate>Wed, 08 Feb 2012 11:58:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/733/first-time-home-buyer-tax-credit/first-time-home-buyer-tax-credit-silicon-valley-san-jose-ca.html#comment-3908</guid>
		<description>excellent﻿ work!</description>
		<content:encoded><![CDATA[<p>excellent﻿ work!</p>
]]></content:encoded>
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	<item>
		<title>Comment on Is it possible to get FHA (HUD) loan after foreclosure and bankruptcy on a VA Loan? by godged</title>
		<link>http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3904</link>
		<dc:creator>godged</dc:creator>
		<pubDate>Tue, 07 Feb 2012 11:13:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3904</guid>
		<description>Sure you can, once you rebuild your credit and distance yourself from your foreclosure and bankruptcy.  Four years bare minimum, most likely more like 7 -- 10.</description>
		<content:encoded><![CDATA[<p>Sure you can, once you rebuild your credit and distance yourself from your foreclosure and bankruptcy.  Four years bare minimum, most likely more like 7 &#8212; 10.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Is it possible to get FHA (HUD) loan after foreclosure and bankruptcy on a VA Loan? by Realtoratheart</title>
		<link>http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3903</link>
		<dc:creator>Realtoratheart</dc:creator>
		<pubDate>Tue, 07 Feb 2012 10:17:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3903</guid>
		<description>Most likely you will not qualify to purchase another home for 7-10 years.</description>
		<content:encoded><![CDATA[<p>Most likely you will not qualify to purchase another home for 7-10 years.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Is it possible to get FHA (HUD) loan after foreclosure and bankruptcy on a VA Loan? by Landlord</title>
		<link>http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3902</link>
		<dc:creator>Landlord</dc:creator>
		<pubDate>Tue, 07 Feb 2012 10:07:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/732/hud-fha-loan/is-it-possible-to-get-fha-hud-loan-after-foreclosure-and-bankruptcy-on-a-va-loan.html#comment-3902</guid>
		<description>In 5-7 years, assuming you don&#039;t screw any others.</description>
		<content:encoded><![CDATA[<p>In 5-7 years, assuming you don&#8217;t screw any others.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on 50,000$ FHA Loan &#8211; Poor Credit? by Shantel  Ray</title>
		<link>http://www.fhaapprovedloans.com/725/fha-loans-for-poor-credit/50000-fha-loan-poor-credit.html#comment-3873</link>
		<dc:creator>Shantel  Ray</dc:creator>
		<pubDate>Wed, 25 Jan 2012 15:29:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/725/fha-loans-for-poor-credit/50000-fha-loan-poor-credit.html#comment-3873</guid>
		<description>Gets good money lending service today that will give out loan for
Any purposes, if you are really in need of a loan, just let me know
The amount you need as a loan, and contact me via email address:
(macroloanfirm.everyday@gmail.com)
For the plan of the loan processing and transfer to be spelt out.


If you are faced with stress in the acquisition of a loan that make you
Have sleepless night? Or you have been disappointed by your bank?
Did you need a personal loan to secure a home, car and evaluate the finances?

Contact name: Mr Bello Smith

Note: We offer only Commercial /Small Business Administrative loans(SBA), 
Personal /Residential and Mortgage loan at 4% interest; apply for a Minimum 
of $2000.00 to a Maximum of $1,000,000.00. Interested applicants should please
contact Us via email:macroloanfirm.everyday@gmail.com

Try and see your self, for our wonderful services that does not exceed 2 
Working days for loan processing and just only three (3 )hours of loan 
Transfer via bank/check/western; as the whole process is very easy!

Upon your interested response you would be required to send down the following 
information’s:
======================================…
FULL NAME:
RESIDENT ADDRESS:
COUNTRY:
TEL:
LOAN AMOUNT AND DURATION:
======================================…</description>
		<content:encoded><![CDATA[<p>Gets good money lending service today that will give out loan for<br />
Any purposes, if you are really in need of a loan, just let me know<br />
The amount you need as a loan, and contact me via email address:<br />
(macroloanfirm.everyday@gmail.com)<br />
For the plan of the loan processing and transfer to be spelt out.</p>
<p>If you are faced with stress in the acquisition of a loan that make you<br />
Have sleepless night? Or you have been disappointed by your bank?<br />
Did you need a personal loan to secure a home, car and evaluate the finances?</p>
<p>Contact name: Mr Bello Smith</p>
<p>Note: We offer only Commercial /Small Business Administrative loans(SBA),<br />
Personal /Residential and Mortgage loan at 4% interest; apply for a Minimum<br />
of $2000.00 to a Maximum of $1,000,000.00. Interested applicants should please<br />
contact Us via email:macroloanfirm.everyday@gmail.com</p>
<p>Try and see your self, for our wonderful services that does not exceed 2<br />
Working days for loan processing and just only three (3 )hours of loan<br />
Transfer via bank/check/western; as the whole process is very easy!</p>
<p>Upon your interested response you would be required to send down the following<br />
information’s:<br />
======================================…<br />
FULL NAME:<br />
RESIDENT ADDRESS:<br />
COUNTRY:<br />
TEL:<br />
LOAN AMOUNT AND DURATION:<br />
======================================…</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on 50,000$ FHA Loan &#8211; Poor Credit? by phntmphan</title>
		<link>http://www.fhaapprovedloans.com/725/fha-loans-for-poor-credit/50000-fha-loan-poor-credit.html#comment-3872</link>
		<dc:creator>phntmphan</dc:creator>
		<pubDate>Wed, 25 Jan 2012 14:41:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/725/fha-loans-for-poor-credit/50000-fha-loan-poor-credit.html#comment-3872</guid>
		<description>We too are going through that right now and were told that the best type of loan for that amount would be a USDA loan. We were looking at a property and working with VA and Wells Fargo and the loan was denied on the home for various reasons. We would suggest you steer clear of using either one of those offices!</description>
		<content:encoded><![CDATA[<p>We too are going through that right now and were told that the best type of loan for that amount would be a USDA loan. We were looking at a property and working with VA and Wells Fargo and the loan was denied on the home for various reasons. We would suggest you steer clear of using either one of those offices!</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on FHA VA Financing Specialist West Palm Beach FL &#124; Call (561) 316-6800 by juniuslisa</title>
		<link>http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3863</link>
		<dc:creator>juniuslisa</dc:creator>
		<pubDate>Sun, 22 Jan 2012 11:42:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3863</guid>
		<description>This is a stories concern HUD ,FHA Funds and Wells Fargo and how my house was Demotion with HUD funds over 100,000.00 / in 2007 and them they came back and took more of this monies of 78,980,00 2009/ 104,404,00 in 2010 and But I did not have a home you can visit this stories on YouTube.com 2:26
Illegally Demolished﻿ Home
Was Illegally Demolished By Clayton County ... &quot;Clayton County&quot; Georgia Fire</description>
		<content:encoded><![CDATA[<p>This is a stories concern HUD ,FHA Funds and Wells Fargo and how my house was Demotion with HUD funds over 100,000.00 / in 2007 and them they came back and took more of this monies of 78,980,00 2009/ 104,404,00 in 2010 and But I did not have a home you can visit this stories on YouTube.com 2:26<br />
Illegally Demolished﻿ Home<br />
Was Illegally Demolished By Clayton County &#8230; &#8220;Clayton County&#8221; Georgia Fire</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on FHA VA Financing Specialist West Palm Beach FL &#124; Call (561) 316-6800 by juniuslisa</title>
		<link>http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3862</link>
		<dc:creator>juniuslisa</dc:creator>
		<pubDate>Sun, 22 Jan 2012 11:17:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3862</guid>
		<description>Illegally Demolished Home
Was Illegally Demolished By Clayton County ... &quot;Clayton County&quot; Georgia Fire Demolish &quot;Lisa Tinch&quot; &quot;Fire Trucks&quot; Cohilas Alex &quot;Channel 2&quot; Action Drama ...
by cpugeek2009 &#124; 1 year ago &#124; 264 views

2:01
Illegally﻿ Demolished Home In Clayton County, Georgia
Lisa Tinch&#039;s Home Was Illegally Demolished By Clayton County. There was no code or permit to demolish this home. The home has not been rebuilt. ...
by cpugeek2009 &#124; 1 year ago &#124; 302 views</description>
		<content:encoded><![CDATA[<p>Illegally Demolished Home<br />
Was Illegally Demolished By Clayton County &#8230; &#8220;Clayton County&#8221; Georgia Fire Demolish &#8220;Lisa Tinch&#8221; &#8220;Fire Trucks&#8221; Cohilas Alex &#8220;Channel 2&#8243; Action Drama &#8230;<br />
by cpugeek2009 | 1 year ago | 264 views</p>
<p>2:01<br />
Illegally﻿ Demolished Home In Clayton County, Georgia<br />
Lisa Tinch&#8217;s Home Was Illegally Demolished By Clayton County. There was no code or permit to demolish this home. The home has not been rebuilt. &#8230;<br />
by cpugeek2009 | 1 year ago | 302 views</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on FHA VA Financing Specialist West Palm Beach FL &#124; Call (561) 316-6800 by juniuslisa</title>
		<link>http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3861</link>
		<dc:creator>juniuslisa</dc:creator>
		<pubDate>Sun, 22 Jan 2012 11:10:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3861</guid>
		<description>This was﻿ a FHA loan tell me how did this happen here</description>
		<content:encoded><![CDATA[<p>This was﻿ a FHA loan tell me how did this happen here</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on FHA VA Financing Specialist West Palm Beach FL &#124; Call (561) 316-6800 by juniuslisa</title>
		<link>http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3860</link>
		<dc:creator>juniuslisa</dc:creator>
		<pubDate>Sun, 22 Jan 2012 10:37:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3860</guid>
		<description>Visit this﻿ and tell me what happen with insurance that I have on this loan</description>
		<content:encoded><![CDATA[<p>Visit this﻿ and tell me what happen with insurance that I have on this loan</p>
]]></content:encoded>
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	<item>
		<title>Comment on FHA VA Financing Specialist West Palm Beach FL &#124; Call (561) 316-6800 by juniuslisa</title>
		<link>http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3859</link>
		<dc:creator>juniuslisa</dc:creator>
		<pubDate>Sun, 22 Jan 2012 10:25:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/723/fha-loan-specialist/fha-va-financing-specialist-west-palm-beach-fl-call-561-316-6800.html#comment-3859</guid>
		<description>This was wells Fargo done this and they approved this for this county to destroyer this home with﻿ a loan remaining on it at the before and after</description>
		<content:encoded><![CDATA[<p>This was wells Fargo done this and they approved this for this county to destroyer this home with﻿ a loan remaining on it at the before and after</p>
]]></content:encoded>
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		<title>Comment on What is the time period can I refinance an FHA loan without paying closing cost again? by Micheal</title>
		<link>http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3850</link>
		<dc:creator>Micheal</dc:creator>
		<pubDate>Thu, 19 Jan 2012 06:58:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3850</guid>
		<description>Are you frustrated in life? you think all is lost? No hope from any where? Well i have a good news for you  all today, is a privillage that you met the right person. I&#039;m a well known Man which every one knew me to be. My name is Micheal Lancer, i am money lender i assist people financially, because i think enough of all these bankrupt and montages I&#039;m hearing. i want to prove my self to everyone at there. That not everybody are equal.
Just send us your personal details: 
Full Name:..........
Contact Address:.........
Phone Number: ........
Country Code:.........
Amount Needed: ...........
purpose of loan: ................... 
When to pay back:.....................
Hope to see your response via this mail address, micheallancerloanfirm@yahoo.com , micheallancerloanfirm@hotmail.com .</description>
		<content:encoded><![CDATA[<p>Are you frustrated in life? you think all is lost? No hope from any where? Well i have a good news for you  all today, is a privillage that you met the right person. I&#8217;m a well known Man which every one knew me to be. My name is Micheal Lancer, i am money lender i assist people financially, because i think enough of all these bankrupt and montages I&#8217;m hearing. i want to prove my self to everyone at there. That not everybody are equal.<br />
Just send us your personal details:<br />
Full Name:&#8230;&#8230;&#8230;.<br />
Contact Address:&#8230;&#8230;&#8230;<br />
Phone Number: &#8230;&#8230;..<br />
Country Code:&#8230;&#8230;&#8230;<br />
Amount Needed: &#8230;&#8230;&#8230;..<br />
purpose of loan: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.<br />
When to pay back:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;<br />
Hope to see your response via this mail address, <a href="mailto:micheallancerloanfirm@yahoo.com">micheallancerloanfirm@yahoo.com</a> , <a href="mailto:micheallancerloanfirm@hotmail.com">micheallancerloanfirm@hotmail.com</a> .</p>
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		<title>Comment on What is the time period can I refinance an FHA loan without paying closing cost again? by godged</title>
		<link>http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3849</link>
		<dc:creator>godged</dc:creator>
		<pubDate>Thu, 19 Jan 2012 06:35:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3849</guid>
		<description>There are plenty of places that advertise &quot;no closing costs&quot; loans, but this means there is nothing out of pocket for you, they roll the closing costs into the loan.  As others said, there is no such thing as a loan without closing costs.  Each refinance will cost you thousands in closing costs and possibly pre-payment penalties.</description>
		<content:encoded><![CDATA[<p>There are plenty of places that advertise &#8220;no closing costs&#8221; loans, but this means there is nothing out of pocket for you, they roll the closing costs into the loan.  As others said, there is no such thing as a loan without closing costs.  Each refinance will cost you thousands in closing costs and possibly pre-payment penalties.</p>
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		<title>Comment on What is the time period can I refinance an FHA loan without paying closing cost again? by Doctor Deth</title>
		<link>http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3848</link>
		<dc:creator>Doctor Deth</dc:creator>
		<pubDate>Thu, 19 Jan 2012 06:03:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3848</guid>
		<description>if you just closing today, why are you asking about refinancing already - there is no way you get any better rate than what you are getting now. If it is higher than the best rates out there, there is a reason for it - your credit score or amount of down payment or something else and those factors are not going to change in 6 months ro even a year probably enough to be able to get you a lower rate and then you will still have to pay refinancing charges,s o it would make no sense - it would probably takes years to recoup the refi chgs with the little amount (if any) lower payments you would get by refinancing a year from now - rates may go up by then and you might not be able to save anything - If you are trying to reduce the payment you are getting right from the start, then maybe you can&#039;t afford the house to begin with</description>
		<content:encoded><![CDATA[<p>if you just closing today, why are you asking about refinancing already &#8211; there is no way you get any better rate than what you are getting now. If it is higher than the best rates out there, there is a reason for it &#8211; your credit score or amount of down payment or something else and those factors are not going to change in 6 months ro even a year probably enough to be able to get you a lower rate and then you will still have to pay refinancing charges,s o it would make no sense &#8211; it would probably takes years to recoup the refi chgs with the little amount (if any) lower payments you would get by refinancing a year from now &#8211; rates may go up by then and you might not be able to save anything &#8211; If you are trying to reduce the payment you are getting right from the start, then maybe you can&#8217;t afford the house to begin with</p>
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		<title>Comment on What is the time period can I refinance an FHA loan without paying closing cost again? by loanmasterone</title>
		<link>http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3847</link>
		<dc:creator>loanmasterone</dc:creator>
		<pubDate>Thu, 19 Jan 2012 05:16:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/721/can-you-refinance-fha-loan/what-is-the-time-period-can-i-refinance-an-fha-loan-without-paying-closing-cost-again.html#comment-3847</guid>
		<description>Closing fees can not be avoided. People do not work for free. This is how the people that handle your loan get paid, through the fees they charge for the closing of your mortgage loan.

Now if you are speaking of a no fee, no points loans, even that type mortgage cost in the sense that the lender raise your interest rate to cover these normal expenses.

Make sure that each method is explained to you by your, mortgage consultant, so you might make an intelligent decision about which you should select.
 
I hope this has been of some use to you, good luck.

&quot;FIGHT ON&quot;</description>
		<content:encoded><![CDATA[<p>Closing fees can not be avoided. People do not work for free. This is how the people that handle your loan get paid, through the fees they charge for the closing of your mortgage loan.</p>
<p>Now if you are speaking of a no fee, no points loans, even that type mortgage cost in the sense that the lender raise your interest rate to cover these normal expenses.</p>
<p>Make sure that each method is explained to you by your, mortgage consultant, so you might make an intelligent decision about which you should select.</p>
<p>I hope this has been of some use to you, good luck.</p>
<p>&#8220;FIGHT ON&#8221;</p>
]]></content:encoded>
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		<title>Comment on Are the interest rates the same between people who take a new mortgage and those who refinance? by saeed q</title>
		<link>http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3831</link>
		<dc:creator>saeed q</dc:creator>
		<pubDate>Tue, 17 Jan 2012 04:33:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3831</guid>
		<description>It depends on your loan to value when you want to refi and if it&#039;s a straight rate and term or cash out refi.
Make sure to price out your loan with your LOCAL banks and mortgage brokers only.
A lot people giving advice on here are also looking to give you a loan (its not advice, its advertising), if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL; DON&#039;T GET RIPPED-OFF BY SOMEONE IN WHO KNOWS WHERE WHICH YOU WOULD HAVE NO DIRECT ACCESS TO. 

Remember Buddha&#039;s advice: 
&quot;Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense.&quot; You are the only &quot;expert&quot; you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is &quot;selling&quot; you something (its not advice, its advertising). Don&#039;t buy &quot;it.&quot;</description>
		<content:encoded><![CDATA[<p>It depends on your loan to value when you want to refi and if it&#8217;s a straight rate and term or cash out refi.<br />
Make sure to price out your loan with your LOCAL banks and mortgage brokers only.<br />
A lot people giving advice on here are also looking to give you a loan (its not advice, its advertising), if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL; DON&#8217;T GET RIPPED-OFF BY SOMEONE IN WHO KNOWS WHERE WHICH YOU WOULD HAVE NO DIRECT ACCESS TO. </p>
<p>Remember Buddha&#8217;s advice:<br />
&#8220;Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense.&#8221; You are the only &#8220;expert&#8221; you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is &#8220;selling&#8221; you something (its not advice, its advertising). Don&#8217;t buy &#8220;it.&#8221;</p>
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		<title>Comment on Are the interest rates the same between people who take a new mortgage and those who refinance? by Op P</title>
		<link>http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3830</link>
		<dc:creator>Op P</dc:creator>
		<pubDate>Tue, 17 Jan 2012 03:41:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3830</guid>
		<description>Great question!

As a retired Mortgage Banker who has taught thousands of loan officers how to earn incredible incomes, I would love to answer it. There are SO many people hungry for answers to such a great question, that addressing them one at a time is SO ineffective. I have a free report available that anyone can access to get educated about all the &quot;dirty little secrets&quot; of this business and HOW we as a society ended up in such a mess.

It bothers me greatly that so many people, young AND old, have been taken advantage of and NEED answers to prosper financially and not become a mortgage victim. If you DON&#039;T get educated BEFORE making a decision, you&#039;re next in line to be ripped off. Count on it.

I&#039;ve been posting answers under numerous aliases on Yahoo! because I have to keep creating  new accounts to do so. It seems the &quot;establishment&quot; prefers to keep the public in the dark when it comes to exposing the truth about anything which could actually help them avoid catastrophe. When faced with a serious choice about something in your past think about what you should have been made aware of by someone in &quot;authority&quot;, but weren&#039;t. If you knew what &quot;they&quot; knew, wouldn&#039;t you have made a better decision?

Whether you&#039;re a first time buyer, moving up, refinancing, buying a foreclosure, short sale or trustee sale or auction, you&#039;re going to need financing in place. First. Doing it ANY other way is wasting your time and a professional real estate broker won&#039;t even LOOK at you or your offer unless your financing is in place. Don&#039;t believe me? Try it.

If you want to learn the industry from the inside, visit my website. I can&#039;t type the internet address here or I&#039;ll be creating yet another Yahoo! account. I&#039;ll spell it for you. MortgageSelfDefense[dot]com. Type that into your web browser as you would a regular internet address and you&#039;ll get there.

In addition to the information you&#039;ll receive on the site, if you decide to be a free subscriber, you&#039;ll receive tips, techniques and advice on regular intervals along with my personal contact information to ask questions.

I look forward to helping you.

P.S. I&#039;m also a Real Estate Broker in two states (CA &amp; NV) and have been since 1981. Having been so gives me a unique perspective on the industry.</description>
		<content:encoded><![CDATA[<p>Great question!</p>
<p>As a retired Mortgage Banker who has taught thousands of loan officers how to earn incredible incomes, I would love to answer it. There are SO many people hungry for answers to such a great question, that addressing them one at a time is SO ineffective. I have a free report available that anyone can access to get educated about all the &#8220;dirty little secrets&#8221; of this business and HOW we as a society ended up in such a mess.</p>
<p>It bothers me greatly that so many people, young AND old, have been taken advantage of and NEED answers to prosper financially and not become a mortgage victim. If you DON&#8217;T get educated BEFORE making a decision, you&#8217;re next in line to be ripped off. Count on it.</p>
<p>I&#8217;ve been posting answers under numerous aliases on Yahoo! because I have to keep creating  new accounts to do so. It seems the &#8220;establishment&#8221; prefers to keep the public in the dark when it comes to exposing the truth about anything which could actually help them avoid catastrophe. When faced with a serious choice about something in your past think about what you should have been made aware of by someone in &#8220;authority&#8221;, but weren&#8217;t. If you knew what &#8220;they&#8221; knew, wouldn&#8217;t you have made a better decision?</p>
<p>Whether you&#8217;re a first time buyer, moving up, refinancing, buying a foreclosure, short sale or trustee sale or auction, you&#8217;re going to need financing in place. First. Doing it ANY other way is wasting your time and a professional real estate broker won&#8217;t even LOOK at you or your offer unless your financing is in place. Don&#8217;t believe me? Try it.</p>
<p>If you want to learn the industry from the inside, visit my website. I can&#8217;t type the internet address here or I&#8217;ll be creating yet another Yahoo! account. I&#8217;ll spell it for you. MortgageSelfDefense[dot]com. Type that into your web browser as you would a regular internet address and you&#8217;ll get there.</p>
<p>In addition to the information you&#8217;ll receive on the site, if you decide to be a free subscriber, you&#8217;ll receive tips, techniques and advice on regular intervals along with my personal contact information to ask questions.</p>
<p>I look forward to helping you.</p>
<p>P.S. I&#8217;m also a Real Estate Broker in two states (CA &#038; NV) and have been since 1981. Having been so gives me a unique perspective on the industry.</p>
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		<title>Comment on Are the interest rates the same between people who take a new mortgage and those who refinance? by debberu</title>
		<link>http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3829</link>
		<dc:creator>debberu</dc:creator>
		<pubDate>Tue, 17 Jan 2012 02:46:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaapprovedloans.com/720/refinance-mortgage-rates/are-the-interest-rates-the-same-between-people-who-take-a-new-mortgage-and-those-who-refinance.html#comment-3829</guid>
		<description>For someone w/ good credit going to a regular commercial bank, the answer is yes... the rates should be the same.  Refinancing has not been going on a whole lot , so many w/ their limited advertising dollars and space are targeting the new home $$ for now.

Good luck!</description>
		<content:encoded><![CDATA[<p>For someone w/ good credit going to a regular commercial bank, the answer is yes&#8230; the rates should be the same.  Refinancing has not been going on a whole lot , so many w/ their limited advertising dollars and space are targeting the new home $$ for now.</p>
<p>Good luck!</p>
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