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	<title>California Mortgage Lender - Refinance Rates, FHA, Home Loans</title>
	<link>http://lendingexpertblog.com</link>
	<description>California’s #1 Mortgage Expert’s website - featured on Yahoo, ABC and CBS News.  Quick Interest Rate Quote for Home Loan, FHA and Refinance - No SSN Required</description>
	<lastBuildDate>Fri, 18 May 2012 05:23:58 +0000</lastBuildDate>
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		<title>FHA Loans Streamline Refinance and Mortgage Rates- A Complete Guide</title>
		<description><![CDATA[What is FHA Streamline Refinance? Refinancing of a current FHA insured loan into another FHA insured loan is called an FHA Streamline Refinance. The mortgage to be refinanced must be current (not delinquent). Not all FHA to FHA refinances are streamline in nature. Is there a minimum waiting period before which you can do a [...]]]></description>
		<link>http://lendingexpertblog.com/fha-loans-streamline-refinance-and-mortgage-rates-a-complete-guide/</link>
			</item>
	<item>
		<title>Good News about Principal Reductions and Underwater Mortgage Refinances</title>
		<description><![CDATA[After years of a declining housing market and no solutions in sight, there are two terms that are making the light of day: Principal reduction and Underwater mortgage refinance. As everyone knows, the housing recession began in 2007 when housing values started falling and homeowners could not sell their homes. Then people who were over [...]]]></description>
		<link>http://lendingexpertblog.com/good-news-about-principal-reductions-and-underwater-mortgage-refinances/</link>
			</item>
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		<title>5 Ways to Pay Off Your California Mortgage Debt Faster</title>
		<description><![CDATA[ If you search online, you will find numerous financial and debt management experts offering tips and tricks on managing debt such as mortgage, credit card debt, student loan and so on. However, it is important to evaluate one’s own personal financial situation before implementing any such debt relief tips. This is to ensure that you benefit [...]]]></description>
		<link>http://lendingexpertblog.com/5-ways-to-pay-off-your-california-mortgage-faster/</link>
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		<title>FHA Loans Mortgage Insurance Premiums (MIP/PMI) &#8211; Rates + Calculator</title>
		<description><![CDATA[Ultimate guide to Upfront and Monthly Mortgage Insurance Premiums (MIP/PMI) rates for FHA purchase loans and (streamline) refinances in California, Washington and Oregon. FHA charges both an upfront mortgage insurance premium and monthly mortgage insurance on almost all the loans it insures. On December 23, 2011 the President signed into law Temporary Payroll Tax Cut [...]]]></description>
		<link>http://lendingexpertblog.com/fha-loans-mortgage-insurance-premiums-mip-pmi-rates-calculator/</link>
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		<title>Santa Clara County Real Estate Market Shows Strong Spring Housing Trend</title>
		<description><![CDATA[You read it here first when we first reported the turnaround of the Santa Clara County housing market in some areas. The trend continues with some good news being reported locally and nationally. According to a recent Mercury News report,Marin home prices were up 15% over last year, marking similar stories of rising sales prices for [...]]]></description>
		<link>http://lendingexpertblog.com/santa-clara-county-real-estate-market-shows-strong-spring-housing-trend/</link>
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		<title>California Mortgage Rates Jump .25% in 2 days</title>
		<description><![CDATA[California Mortgage Rates for Refinance and Home Purchase loans are up .25% in 2 days and are hitting a 6 months high. On Tuesday, it was like as if the dam broke. After the rates have remained stable and under 4% for a solid 6 months &#8211; you could see it was coming. Mortgage Backed Securities [...]]]></description>
		<link>http://lendingexpertblog.com/california-mortgage-rates-jump-25-in-2-days/</link>
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		<title>Bank Settlements and Refinance Programs All Good News for Struggling Homeowners</title>
		<description><![CDATA[Homeowners more deeply underwater on mortgages handled by five major U.S. banking firms are prime candidates for getting help from a $25-billion nationwide settlement over alleged foreclosure abuses. That&#8217;s because the settlement gives the nation&#8217;s largest mortgage servicers more incentives to help those who owe 40% to 75% more than the value of their homes, [...]]]></description>
		<link>http://lendingexpertblog.com/bank-settlements-and-refinance-programs-all-good-news-for-struggling-homeowners/</link>
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		<title>Upside Down? HARP Obama Refinance- Ultimate Guide +RateQuote</title>
		<description><![CDATA[What is Making Home Affordable (MHA) program? The Making Home Affordable Program (MHA) is a critical part of the Obama Administration&#8217;s broad strategy to help California, Washington and Oregon homeowners (and rest of the country homeowners) avoid foreclosure, stabilize the country&#8217;s housing market, and improve the nation&#8217;s economy. What is HARP? First established in 2009, [...]]]></description>
		<link>http://lendingexpertblog.com/upside-down-harp-obama-refinance-guidelines-ratequote/</link>
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		<title>FHA Guideline Changes for Self Employed Borrowers and Collection Accounts</title>
		<description><![CDATA[FHA recently made underwriting guideline changes for Self Employed borrowers and borrowers who have disputed and/or collection accounts. The changes apply to residents of states of California, Washington, Oregon and rest of the country. These changes will be effective April 1, 2012 and will impact all FHA mortgages except non-credit qualifying Streamline Refinances and Reverse [...]]]></description>
		<link>http://lendingexpertblog.com/fha-guideline-changes-for-self-employed-borrowers-and-collection-accounts/</link>
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		<title>HARP 2 and Other Problems Mount for Bank of America Mortgage Business</title>
		<description><![CDATA[Bank of America continues to hit the headlines, unfortunately for all the wrong reasons. It all started late in 2011 when Bank of America decided to exit the Correspondent Lending business. Housing wire reported that Bank Of America was grappling with $1 trillion in soured mortgages and securities written prior to the 2008 acquisition of [...]]]></description>
		<link>http://lendingexpertblog.com/harp-and-other-problems-for-bank-of-america-mortgage-business/</link>
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