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        <link>http://www.tampahomes24-7.com/blog/mortgage-and-tax-info/</link>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/todays-rates-oh-so-low.html</guid>
            <link>http://www.tampahomes24-7.com/blog/todays-rates-oh-so-low.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>Today's Rates... Oh so low!</title>
            <description> <![CDATA[ 
Refi?&nbsp; First Home?&nbsp; Upsizing? Downsizing?&nbsp;

 Rates are incredibly low... take advantage of these great rates - don't be the one that says &quot;I wish I had...&quot; 



30 year fixed conventional: 4.00%

15 year fixed conventional: 3.375%



5 year ARM conventional: 2.875%



7 year ARM conventional: 3.00%



10 year ARM conventional: 3.50%



30 year fixed FHA: 4.25%



5 year ARM FHA: 2.75%

Today's Rates brought to you by our favorite mortgage expert, Brad 
Verka... ]]> </description>
            <pubDate>Mon, 11 Oct 2010 11:06:51 -0500</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/todays-rates.html</guid>
            <link>http://www.tampahomes24-7.com/blog/todays-rates.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>Today's Rates...</title>
            <description> <![CDATA[ 
Thinking about a refi? or a new home? Wow are rates so low... Get movin'!



Today&rsquo;s rates:

&nbsp;


Conventional 30 year fixed (no points)- 4.375%


Conventional 15 year fixed (no points)- 3.75% 
Conventional 5/1 ARM (no points)- 3.375%


FHA 30 year fixed (no points) &ndash; 4.375%


FHA 5/1 ARM (no points)- 2.75%


Today's Rates brought to you by our favorite mortgage expert, Brad 
Verkauf... Brad has helped so many of our clients get into the home they
 desired,... ]]> </description>
            <pubDate>Mon, 13 Sep 2010 17:02:12 -0500</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/fha-loan-changes.html</guid>
            <link>http://www.tampahomes24-7.com/blog/fha-loan-changes.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>FHA Loan Changes</title>
            <description> <![CDATA[ 

First time homebuyers using FHA financing need to be aware there are 
some important changes coming that will effect what it will cost you to 
obtain FHA financing...



The upfront mortgage insurance premium (UFMIP) will increase to 2.25
 percent up from 1.75 percent. Contrary to reports, FHA will continue to
 allow the financing of the UFMIP (in other words, it can still be 
rolled into the loan). (April 5, 2010)




Borrowers with a credit score below 580 will be required to have at... ]]> </description>
            <pubDate>Sat, 30 Jan 2010 07:04:55 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/first-time-home-buyer-tax-credit1.html</guid>
            <link>http://www.tampahomes24-7.com/blog/first-time-home-buyer-tax-credit1.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>First Time Home Buyer Tax Credit</title>
            <description> <![CDATA[ 
The newly-signed economic stimulus bill has some good news for first-time home buyers, with a tax credit which lawmakers hope will stimulate the housing market. The new legislation offers a tax credit of 10% of the purchase price of the home, up to a maximum of $8,000 for eligible home buyers. Before we get started a little disclaimer, as with any tax related matter it's always wise to consult with your tax professional. :-)


Who is Eligible for the Tax Credit?


The eligibility requirements... ]]> </description>
            <pubDate>Mon, 21 Dec 2009 08:48:55 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/saving-for-a-down-payment.html</guid>
            <link>http://www.tampahomes24-7.com/blog/saving-for-a-down-payment.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>Saving for a Down Payment</title>
            <description> <![CDATA[ 
In the housing boom of the last several years, many lenders have been happy to jump on the bandwagon with low and no down payment mortgage offers. Times have changed, and with the specter of government regulation and oversight looming, 0% down payment mortgage offers are harder and harder to find. If they&rsquo;re not exactly a thing of the past yet, they&rsquo;re definitely not long for this world. In the changing financial climate, lenders are returning to the more conservative lending standa... ]]> </description>
            <pubDate>Mon, 21 Dec 2009 08:16:07 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/keeping-your-credit-score-healthy-and-fit.html</guid>
            <link>http://www.tampahomes24-7.com/blog/keeping-your-credit-score-healthy-and-fit.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>Keeping Your Credit Score Healthy and Fit</title>
            <description> <![CDATA[ 
If you&rsquo;re in the market to buy a house, then you&rsquo;re going to need a credit report that&rsquo;s in great shape. You have to qualify for a mortgage, and that means that your credit report is going to have to do some heavy lifting. If you&rsquo;ve had some credit problems in the past, take a look at my last article about repairing your credit. If you&rsquo;re just starting out, or if your credit is clean and clear, here are some suggestions for maintaining a credit-worthy credit report... ]]> </description>
            <pubDate>Mon, 21 Dec 2009 08:14:07 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/the-credit-fixer-upper-6-ways-to-improve-your-credit-score.html</guid>
            <link>http://www.tampahomes24-7.com/blog/the-credit-fixer-upper-6-ways-to-improve-your-credit-score.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>The Credit Fixer Upper - 6 Ways to Improve Your Credit Score</title>
            <description> <![CDATA[ 
Fixer Uppers are popular in the real estate market. You know the properties I&rsquo;m talking about &ndash; they&rsquo;ve got a lot of value, but they&rsquo;ve seen some hard use and wear throughout the years. Underneath it all, they&rsquo;re structurally sound, and even in their worn condition, the underlying beauty shines through. If I really stretch the analogy, that description could fit the credit history of many of my clients. Their income and earnings show that they are certainly in a po... ]]> </description>
            <pubDate>Mon, 21 Dec 2009 08:11:58 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/the-libor-index-and-adjustable-rate-mortgages.html</guid>
            <link>http://www.tampahomes24-7.com/blog/the-libor-index-and-adjustable-rate-mortgages.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>The Libor Index and Adjustable Rate Mortgages</title>
            <description> <![CDATA[ 
If you have an adjustable rate mortgage (ARM) that is indexed to the Libor, the London interbank offered rate, there is a good article in today&rsquo;s Wall Street Journal. In a nutshell the article explains why despite a cut in short term rates by the Federal Reserve and similar efforts by central banks in Europe and Asia, the Libor continues to go higher.&nbsp;Many adjustable rate mortgages &nbsp;here in the U.S. are indexed to the Libor, so if you&rsquo;ve been reading about the Fed cutting ... ]]> </description>
            <pubDate>Mon, 21 Dec 2009 08:09:16 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.tampahomes24-7.com/blog/pmi-will-be-tax-deductible-in-20071.html</guid>
            <link>http://www.tampahomes24-7.com/blog/pmi-will-be-tax-deductible-in-20071.html</link>
            <author>TampaHomes247@gmail.com (Calum and Kathleen MacKenzie)</author>
            <title>PMI will be Tax Deductible in 2007</title>
            <description> <![CDATA[ 
Congress passed a law making private mortgage insurance tax deductible for new loans, beginning in 2007.&nbsp;This is particularly good news for Florida&rsquo;s first time home buyers, where home prices have increased substantially in recent years.&nbsp;In the Tampa area first time home buyers can search for homes on the Tampa MLS here.


&nbsp;


For the full story got the Florida Association of Realtors website.
... ]]> </description>
            <pubDate>Sun, 20 Dec 2009 22:58:57 -0600</pubDate>
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