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	<title>Hojin&#039;s SW Orlando Real Estate Scoop &#187; Mortgages</title>
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	<link>http://sworlandoblog.com</link>
	<description>Real Estate News for Dr. Phillips, Windermere, Gotha, Celebration, Winter Garden, Ocoee, Clermont, Metrowest</description>
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		<item>
		<title>More Bailout for Homeowners Facing Foreclosuree</title>
		<link>http://sworlandoblog.com/2010/03/29/more-bailout-for-homeowners-facing-foreclosuree/</link>
		<comments>http://sworlandoblog.com/2010/03/29/more-bailout-for-homeowners-facing-foreclosuree/#comments</comments>
		<pubDate>Mon, 29 Mar 2010 14:05:20 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2960</guid>
		<description><![CDATA[The Obama administration&#8217;s $75 mortgage bailout has been having mixed results. In fact, over 50% of all loan modifications eventually ended up in foreclosure anyway. There&#8217;s been plan to expand this plan and the debate continues as to whether or not requiring responsible homeowners to pay for the irresponsible ones is the way to go. [...]]]></description>
		<wfw:commentRss>http://sworlandoblog.com/2010/03/29/more-bailout-for-homeowners-facing-foreclosuree/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Banks Refuse to Lend Money on Orlando Condos</title>
		<link>http://sworlandoblog.com/2010/03/23/banks-refuse-to-lend-money-on-orlando-condos/</link>
		<comments>http://sworlandoblog.com/2010/03/23/banks-refuse-to-lend-money-on-orlando-condos/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 17:46:27 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[SW Orlando Condos]]></category>
		<category><![CDATA[financing condos]]></category>
		<category><![CDATA[orlando condos]]></category>
		<category><![CDATA[stonebridge reserve]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2926</guid>
		<description><![CDATA[With the overhaul of lending requirements in recent years, it&#8217;s become nearly impossible to obtain financing on a condo in Orlando. The new guidelines outlined by Fannie Mae for 2010 eliminates virtually all condo developments in the area. Among the impossible requirements are less than 10% delinquency rates, a 51% occupancy rate (I&#8217;ve heard from [...]]]></description>
		<wfw:commentRss>http://sworlandoblog.com/2010/03/23/banks-refuse-to-lend-money-on-orlando-condos/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Modifications</title>
		<link>http://sworlandoblog.com/2010/02/18/fha-modifications/</link>
		<comments>http://sworlandoblog.com/2010/02/18/fha-modifications/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 14:48:59 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[fha loan limit]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2909</guid>
		<description><![CDATA[FHA recently announced some changes to it&#8217;s program that will be in effect in the coming months. Among the changes are a higher Mortgage Insurance Premium of 2.25% effective April 2010 which is a .5% increase, a requirement for a higher minimum FICO or credit score to 580, reduced the seller concessions to 3% from [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Housing Market in Orlando to Hit Bottom in 2009</title>
		<link>http://sworlandoblog.com/2009/04/24/housing-market-in-orlando-to-hit-bottom-in-2009/</link>
		<comments>http://sworlandoblog.com/2009/04/24/housing-market-in-orlando-to-hit-bottom-in-2009/#comments</comments>
		<pubDate>Fri, 24 Apr 2009 14:43:58 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Market Forecast]]></category>
		<category><![CDATA[Market Statistics]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Places in SW Orlando]]></category>
		<category><![CDATA[florida housing stats]]></category>
		<category><![CDATA[housing market bottom]]></category>
		<category><![CDATA[orlando housing stats]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2386</guid>
		<description><![CDATA[The University of Central Florida&#8217;s Institute for Economice Competitiveness recently released their quarterly forecast which surprisingly reveals some promising facts about the housing market. They predict a bottom to the housing market in the second quarter of 2009. Amazingly, housing starts are 87% below the peak levels we experienced just a few years ago. They [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Surprise, Chinese Drywall Stinks</title>
		<link>http://sworlandoblog.com/2009/04/17/surprise-chinese-drywall-stinks/</link>
		<comments>http://sworlandoblog.com/2009/04/17/surprise-chinese-drywall-stinks/#comments</comments>
		<pubDate>Fri, 17 Apr 2009 13:53:53 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Luxury Homes]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[New Construction]]></category>
		<category><![CDATA[Real Estate Oddities]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[SW Orlando Bulletin]]></category>
		<category><![CDATA[chinese drywall]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2368</guid>
		<description><![CDATA[I got an email about Chinese drywall from my boss today and at first, I deleted it thinking the Chinese are making everything these days. It seems like everything I own from the cheap tools I got at Wal Mart to my Nike shoes seems to be coming out of this place. So when I [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How Do You Qualify for an FHA Loan?</title>
		<link>http://sworlandoblog.com/2009/03/17/how-do-you-qualify-for-an-fha-loan/</link>
		<comments>http://sworlandoblog.com/2009/03/17/how-do-you-qualify-for-an-fha-loan/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 13:20:12 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate Tips]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2271</guid>
		<description><![CDATA[A Guest Post by Betty Parker of Your Ultimate Finance Destination blog FHA loans or Federal Housing Administration loans are the simplest forms of mortgage loans for buying real properties. Among all mortgage loans, the eligibility criteria for an FHA loan are the easiest and necessitate lower than 5% down payment. The FHA loans are [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Double Digit Interest Rates in the Next 2 Years?</title>
		<link>http://sworlandoblog.com/2009/02/16/double-digit-interest-rates-in-the-next-2-years/</link>
		<comments>http://sworlandoblog.com/2009/02/16/double-digit-interest-rates-in-the-next-2-years/#comments</comments>
		<pubDate>Mon, 16 Feb 2009 05:26:02 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Market Forecast]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=2154</guid>
		<description><![CDATA[I spent the past week in a real estate investing class in order to fulfill my post licensing education requirement for my broker&#8217;s license and learned quite a bit. There were real estate professionals specializing in numerous different fields and we all had one thing common, our business is way down. The stuff in the [...]]]></description>
		<wfw:commentRss>http://sworlandoblog.com/2009/02/16/double-digit-interest-rates-in-the-next-2-years/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Secret Welfare Program of the US Treasury</title>
		<link>http://sworlandoblog.com/2008/12/12/the-secret-welfare-program-the-us-treasury-is-creating/</link>
		<comments>http://sworlandoblog.com/2008/12/12/the-secret-welfare-program-the-us-treasury-is-creating/#comments</comments>
		<pubDate>Fri, 12 Dec 2008 16:10:46 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Market Forecast]]></category>
		<category><![CDATA[Market Statistics]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bernake]]></category>
		<category><![CDATA[mortgage crisis]]></category>
		<category><![CDATA[streamlined modification program]]></category>
		<category><![CDATA[tax hike]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=1898</guid>
		<description><![CDATA[I&#8217;m gonna get a little boring and political today. I ran across this article in the Chicago Tribune by economics professor Casey Mulligan at the University of Chicago that made a light bulb go off in my head&#8230;   the freakin US Treasury and Bernake are proposing a wacky welfare program as a solution to the [...]]]></description>
		<wfw:commentRss>http://sworlandoblog.com/2008/12/12/the-secret-welfare-program-the-us-treasury-is-creating/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed Cuts Fed Funds Rate 50 Basis Points to 1%</title>
		<link>http://sworlandoblog.com/2008/10/29/fed-cuts-fed-funds-rate-50-basis-points-to-1/</link>
		<comments>http://sworlandoblog.com/2008/10/29/fed-cuts-fed-funds-rate-50-basis-points-to-1/#comments</comments>
		<pubDate>Wed, 29 Oct 2008 19:47:06 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Market Statistics]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=1750</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://sworlandoblog.com/2008/10/29/fed-cuts-fed-funds-rate-50-basis-points-to-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wall Street Shadow Markets The Cause of Our Nation&#8217;s Financial Crisis</title>
		<link>http://sworlandoblog.com/2008/10/05/wall-street-shadow-markets-the-cause-of-our-nations-financial-crisis/</link>
		<comments>http://sworlandoblog.com/2008/10/05/wall-street-shadow-markets-the-cause-of-our-nations-financial-crisis/#comments</comments>
		<pubDate>Mon, 06 Oct 2008 02:50:47 +0000</pubDate>
		<dc:creator>Hojin Chang</dc:creator>
				<category><![CDATA[Market Forecast]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[SW Orlando Bulletin]]></category>
		<category><![CDATA[Videos About Real Estate]]></category>

		<guid isPermaLink="false">http://sworlandoblog.com/?p=1610</guid>
		<description><![CDATA[Watch CBS Videos Online With all the talk about the bailout plan being debated in Congress, I&#8217;ve heard all kinds of reasons why people think the market is failing. I&#8217;ve heard it&#8217;s because of Fannie Mae, shady mortgage lenders, stupid consumers that can&#8217;t comprehend that their payments will go up eventually on interest only loans, [...]]]></description>
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		<slash:comments>1</slash:comments>
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