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	<title>FHA Mortgage</title>
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	<link>http://fhamortgagemag.com</link>
	<description>FHA Mortgage Rules, Requirements, and Interest Rates</description>
	<lastBuildDate>Tue, 15 May 2012 07:30:49 +0000</lastBuildDate>
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		<title>FHA Purchasers Immediately Have Negative Equity &#8211; The Buying Dilemma</title>
		<link>http://fhamortgagemag.com/2012/05/fha-purchasers-immediately-have-negative-equity-the-buying-dilemma/</link>
		<comments>http://fhamortgagemag.com/2012/05/fha-purchasers-immediately-have-negative-equity-the-buying-dilemma/#comments</comments>
		<pubDate>Tue, 15 May 2012 07:30:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Benefits of FHA Mortgage]]></category>
		<category><![CDATA[FHA Down Payment Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Insurance]]></category>
		<category><![CDATA[FHA property]]></category>
		<category><![CDATA[buying a house]]></category>
		<category><![CDATA[Downside of FHA]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[housing recovery]]></category>
		<category><![CDATA[UFMIP]]></category>
		<category><![CDATA[upfront FHA mortgage insurance]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=449</guid>
		<description><![CDATA[Most first time home buyers who have done their homework know that there are both benefits and disadvantages associated with FHA mortgage financing. Real estate agents and the mortgage industry will typically stress the benefits of a low down payment requirement and flexible underwriting standards with FHA financing.  However, there are also disadvantages associated with [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting FHA Mortgage Approval After Bankruptcy Is Easier Than You Think</title>
		<link>http://fhamortgagemag.com/2012/04/getting-fha-mortgage-approval-after-bankruptcy-is-easier-than-you-think/</link>
		<comments>http://fhamortgagemag.com/2012/04/getting-fha-mortgage-approval-after-bankruptcy-is-easier-than-you-think/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 07:01:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Basics]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA eligibility]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[fha mortgage]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=442</guid>
		<description><![CDATA[Many potential homeowners mistakenly believe that they must wait a very long time to qualify for mortgage approval after declaring bankruptcy.  Depending on the circumstances, however, this is not the case.  Easy FHA mortgage guidelines allow some borrowers to become homeowners as soon as 12 months after a bankruptcy. The primary factors determining how soon [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/getting-fha-mortgage-approval-after-bankruptcy-is-easier-than-you-think/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do FHA Low Down Payment Loans Make Financial Sense?</title>
		<link>http://fhamortgagemag.com/2012/04/do-fha-low-down-payment-loans-make-financial-sense/</link>
		<comments>http://fhamortgagemag.com/2012/04/do-fha-low-down-payment-loans-make-financial-sense/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 04:11:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Benefits of FHA Mortgage]]></category>
		<category><![CDATA[FHA Down Payment Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[Downside of FHA]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA lending]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[fha mortgages]]></category>
		<category><![CDATA[high cost FHA financing]]></category>
		<category><![CDATA[home ownership]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=426</guid>
		<description><![CDATA[Home ownership rightfully remains the goal of many Americans and a plethora of government loan programs run by agencies such as the  FHA, VA and USDA all provide mortgage programs with little or no down payment requirements. Before buying that dream home, however, a borrower should analyze whether or not it makes financial sense to [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/do-fha-low-down-payment-loans-make-financial-sense/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA&#8217;s 75% Increase In Mortgage Insurance Premiums May Hurt Housing Sales</title>
		<link>http://fhamortgagemag.com/2012/04/fhas-75-increase-in-mortgage-insurance-premiums-may-hurt-housing-sales/</link>
		<comments>http://fhamortgagemag.com/2012/04/fhas-75-increase-in-mortgage-insurance-premiums-may-hurt-housing-sales/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 09:23:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Basics]]></category>
		<category><![CDATA[FHA Mortgage Insurance]]></category>
		<category><![CDATA[FHA capital ratio]]></category>
		<category><![CDATA[FHA defaults]]></category>
		<category><![CDATA[FHA delinquencies]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[FHA mortage]]></category>
		<category><![CDATA[FHA mortgage insurance]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[why does the FHA charge mortgage insurance?]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=417</guid>
		<description><![CDATA[After the implosion of Fannie Mae and Freddie Mac in 2008, the FHA was seen as the savior of the housing industry.  Liberal underwriting guidelines combined with a low down payment requirement made FHA financing the preferred choice for many home buyers.  As a result, the FHA&#8217;s share of total mortgage lending soared to almost [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/fhas-75-increase-in-mortgage-insurance-premiums-may-hurt-housing-sales/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are Only U.S. Citizens Eligible For FHA Loans? Facts vs. Myths</title>
		<link>http://fhamortgagemag.com/2012/04/are-only-u-s-citizens-eligible-for-fha-loans-facts-vs-myths/</link>
		<comments>http://fhamortgagemag.com/2012/04/are-only-u-s-citizens-eligible-for-fha-loans-facts-vs-myths/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 07:26:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Basics]]></category>
		<category><![CDATA[FHA citizenship requirements]]></category>
		<category><![CDATA[FHA eligibility]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA immigration status]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[FHA mortage]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgages]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=410</guid>
		<description><![CDATA[During my discussions with loan applicants, there seems to be a common misperception that only U.S. citizens are eligible for FHA mortgage financing.  I can recall a long list of second hand stories from people who &#8220;heard about&#8221; illegal immigrants receiving FHA financing using forged and fraudulent documents. Although it is certainly possible that some [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/are-only-u-s-citizens-eligible-for-fha-loans-facts-vs-myths/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is FHA Loan Approval Possible With Outstanding Collections and Judgments?</title>
		<link>http://fhamortgagemag.com/2012/04/is-fha-loan-approval-possible-with-outstanding-collections-and-judgments/</link>
		<comments>http://fhamortgagemag.com/2012/04/is-fha-loan-approval-possible-with-outstanding-collections-and-judgments/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 03:41:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Basics]]></category>
		<category><![CDATA[FHA collection accounts]]></category>
		<category><![CDATA[FHA disputed accounts]]></category>
		<category><![CDATA[FHA eligibility]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA judgments]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA regulations]]></category>
		<category><![CDATA[Mortgagee Letter]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=405</guid>
		<description><![CDATA[Applying for a Federal Housing Administration (FHA) mortgage typically involves a substantial amount of time, paperwork and out of pocket costs.  The FHA mortgage program, which is widely used by home buyers, has many different rules and regulations that can result in approval delays or a loan turn down. One of the primary purposes of [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/is-fha-loan-approval-possible-with-outstanding-collections-and-judgments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Self Employed FHA Borrowers Subject To New Guidelines</title>
		<link>http://fhamortgagemag.com/2012/04/self-employed-fha-borrowers-subject-to-new-guidelines/</link>
		<comments>http://fhamortgagemag.com/2012/04/self-employed-fha-borrowers-subject-to-new-guidelines/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 08:16:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA Mortgage Basics]]></category>
		<category><![CDATA[FHA eligibility]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA self employed]]></category>
		<category><![CDATA[self employed FHA borrower]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=400</guid>
		<description><![CDATA[Self employed borrowers have always had to contend with more extensive paperwork requirements and underwriting scrutiny than the typical salaried employee.   The underlying rationale for a more careful examination of a self employed borrower&#8217;s situation is based on the fact that self employment income can vary dramatically from year to year and, in addition, [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/04/self-employed-fha-borrowers-subject-to-new-guidelines/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Can An FHA Borrower Select A Reputable FHA Lender?</title>
		<link>http://fhamortgagemag.com/2012/02/how-can-an-fha-borrower-select-a-reputable-fha-lender/</link>
		<comments>http://fhamortgagemag.com/2012/02/how-can-an-fha-borrower-select-a-reputable-fha-lender/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 11:53:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[Mortgage Default]]></category>
		<category><![CDATA[FHA default]]></category>
		<category><![CDATA[FHA defaults]]></category>
		<category><![CDATA[FHA delinquencies]]></category>
		<category><![CDATA[FHA eligibility]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[top]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=388</guid>
		<description><![CDATA[Besides worrying about whether or not the mortgage loan application will be approved, FHA borrowers also need to worry if they are dealing with a reputable FHA lender. There are serious pitfalls and consequences from dealing with a &#8220;rogue&#8221; FHA lender. A borrower applying for FHA financing needs to invest significant time and money applying [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/02/how-can-an-fha-borrower-select-a-reputable-fha-lender/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Regulators Warn Elderly To Be Aware Of Reverse Mortgage Scams</title>
		<link>http://fhamortgagemag.com/2012/02/regulators-warn-elderly-to-be-aware-of-reverse-mortgage-scams/</link>
		<comments>http://fhamortgagemag.com/2012/02/regulators-warn-elderly-to-be-aware-of-reverse-mortgage-scams/#comments</comments>
		<pubDate>Fri, 24 Feb 2012 08:13:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA HECM]]></category>
		<category><![CDATA[FHA Home Equity Conversion Mortgage]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[FHA reverse mortgage]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[financial predators]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[home equity conversion mortgage]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[reverse mortgage fraud]]></category>
		<category><![CDATA[scamming the elderly]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[top]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=380</guid>
		<description><![CDATA[Unfortunately for all of us, there are numerous individuals and companies operating as financial predators against homeowners.  Even worse, many criminals operating financial scams prey upon the elderly who are least able to defend themselves against deceptive offers and high pressured sales tactics. The Federal Deposit Insurance Corporation (FDIC) has issued a warning in their [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/02/regulators-warn-elderly-to-be-aware-of-reverse-mortgage-scams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Lists 50 Counties With Highest Default Rates</title>
		<link>http://fhamortgagemag.com/2012/02/fha-lists-50-counties-with-highest-default-rates/</link>
		<comments>http://fhamortgagemag.com/2012/02/fha-lists-50-counties-with-highest-default-rates/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 08:17:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Eligibility Requirements]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[HUD foreclosed homes]]></category>
		<category><![CDATA[Mortgage Default]]></category>
		<category><![CDATA[FHA capital ratio]]></category>
		<category><![CDATA[FHA county defaults]]></category>
		<category><![CDATA[FHA defaults]]></category>
		<category><![CDATA[FHA delinquencies]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[FHA reserve fund]]></category>
		<category><![CDATA[Monthly Report to the FHA Commissioner]]></category>
		<category><![CDATA[MSA]]></category>

		<guid isPermaLink="false">http://fhamortgagemag.com/?p=372</guid>
		<description><![CDATA[The rates of defaults and delinquencies on FHA mortgage loans continues to surge.  The latest Monthly Report to the FHA Commissioner on FHA Business Activity reveals that almost 1 out of every 10 FHA mortgages is now classified as &#8220;seriously delinquent&#8221;.   A seriously delinquent loan is defined as being 90 days or more past due, [...]]]></description>
		<wfw:commentRss>http://fhamortgagemag.com/2012/02/fha-lists-50-counties-with-highest-default-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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