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	<title>LendingClarity.com</title>
	<link>http://www.lendingclarity.com</link>
	<description>Home loans made easy</description>
	<pubDate>Sat, 19 Jul 2008 01:06:26 +0000</pubDate>
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		<title>“Buy and Bail”…More Updates</title>
		<link>http://www.lendingclarity.com/2008/07/18/buy-and-bailmore-updates/</link>
		<comments>http://www.lendingclarity.com/2008/07/18/buy-and-bailmore-updates/#comments</comments>
		<pubDate>Sat, 19 Jul 2008 01:06:26 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/07/18/buy-and-bailmore-updates/</guid>
		<description><![CDATA[Just as people beganing turning the latest survival tactic into a real estate investment strategy, Fannie Mae and Freddie Mac have clamped down.  
Share This
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		<wfw:commentRss>http://www.lendingclarity.com/2008/07/18/buy-and-bailmore-updates/feed/</wfw:commentRss>
		</item>
		<item>
		<title>An Assortment of Mortgage Loan Updates</title>
		<link>http://www.lendingclarity.com/2008/07/09/an-assortment-of-mortgage-loan-updates/</link>
		<comments>http://www.lendingclarity.com/2008/07/09/an-assortment-of-mortgage-loan-updates/#comments</comments>
		<pubDate>Thu, 10 Jul 2008 01:15:07 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Changing Guidelines]]></category>

		<category><![CDATA[Mortgage Programs]]></category>

		<category><![CDATA[Qualifying]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/07/09/an-assortment-of-mortgage-loan-updates/</guid>
		<description><![CDATA[Well, it&#8217;s time to get back on my pony here.  The site hack I experienced recently  combined with this crazy market took the wind out of my sails.   But like the fires that have brought nuclear winter to Sacramento&#8211;maybe I should say nuclear summer since it&#8217;s a 111 degrees today&#8211;conflagration in [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/07/09/an-assortment-of-mortgage-loan-updates/feed/</wfw:commentRss>
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		<title>Changing Underwriting Rules: Will You Still Qualify?</title>
		<link>http://www.lendingclarity.com/2008/06/25/changing-underwriting-rules-will-you-still-qualify/</link>
		<comments>http://www.lendingclarity.com/2008/06/25/changing-underwriting-rules-will-you-still-qualify/#comments</comments>
		<pubDate>Wed, 25 Jun 2008 19:04:34 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Changing Guidelines]]></category>

		<category><![CDATA[FHA/VA]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/06/25/changing-underwriting-rules-will-you-still-qualify/</guid>
		<description><![CDATA[The current mortgage landscape is suffering from a series of aftershocks following the mortgage industry&#8217;s 2007 major quake.  It used to be easy to find the right ingredients for cooking up a solution to whatever financing challenge arose.  But that was yesterday.   And this ain&#8217;t your mama&#8217;s kitchen anymore.
Today&#8217;s rules are [...]]]></description>
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		<item>
		<title>Sacramento Mortgage Rates: Inflation Talk Spooks the Market</title>
		<link>http://www.lendingclarity.com/2008/06/10/sacramento-mortgage-rates-inflation-talks-spooks-the-market/</link>
		<comments>http://www.lendingclarity.com/2008/06/10/sacramento-mortgage-rates-inflation-talks-spooks-the-market/#comments</comments>
		<pubDate>Tue, 10 Jun 2008 22:18:30 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/06/10/sacramento-mortgage-rates-inflation-talks-spooks-the-market/</guid>
		<description><![CDATA[It&#8217;s all about inflation, at least lately.   An occasional positive economic report casting doubts on the weakness of the economy underscored by Fed speak suggesting that inflation is public enemy number 1 has bond traders pulling out their hair.  Rates have been steadily rising for the past week or two.
Bernanke spoke last [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/06/10/sacramento-mortgage-rates-inflation-talks-spooks-the-market/feed/</wfw:commentRss>
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		<item>
		<title>Sacramento Makes Kiplinger’s Top Ten Best Cities…And Now More Affordable Than Ever</title>
		<link>http://www.lendingclarity.com/2008/06/09/sacramento-makes-kiplingers-top-ten-best-citiesand-now-more-affordable-than-ever/</link>
		<comments>http://www.lendingclarity.com/2008/06/09/sacramento-makes-kiplingers-top-ten-best-citiesand-now-more-affordable-than-ever/#comments</comments>
		<pubDate>Tue, 10 Jun 2008 00:15:40 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Sac Real Estate]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/06/09/sacramento-makes-kiplingers-top-ten-best-citiesand-now-more-affordable-than-ever/</guid>
		<description><![CDATA[Despite the weak housing market, or maybe in a strange way because of it, Sacramento has made Kiplinger&#8217;s 2008  Top Ten Best Cities to Live, Work, &#38; Play.
If you ask Sacramentans where they are from, you&#8217;ll get a surprising array of responses.  As a Bay Area transplant myself, it never surprises me to [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/06/09/sacramento-makes-kiplingers-top-ten-best-citiesand-now-more-affordable-than-ever/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Agency Jumbo Pricing Finally Looks Attractive</title>
		<link>http://www.lendingclarity.com/2008/06/06/agency-jumbo-pricing-finally-looks-attractive/</link>
		<comments>http://www.lendingclarity.com/2008/06/06/agency-jumbo-pricing-finally-looks-attractive/#comments</comments>
		<pubDate>Sat, 07 Jun 2008 03:42:24 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/06/06/agency-jumbo-pricing-finally-looks-attractive/</guid>
		<description><![CDATA[In the past couple of weeks, mortgage rates associated with the increased conforming loan limits have fallen dramatically.  Those rates, previously 100 basis points higher than traditional conforming loans, are now low enough to offer some relief of the type intended by the authors of the Economic Stimulus package.  Housing Wire takes a [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/06/06/agency-jumbo-pricing-finally-looks-attractive/feed/</wfw:commentRss>
		</item>
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		<title>Sacramento Mortgage Rates on the Rise</title>
		<link>http://www.lendingclarity.com/2008/05/22/sacramento-mortgage-rates-on-the-rise/</link>
		<comments>http://www.lendingclarity.com/2008/05/22/sacramento-mortgage-rates-on-the-rise/#comments</comments>
		<pubDate>Thu, 22 May 2008 20:39:49 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/05/22/sacramento-mortgage-rates-on-the-rise/</guid>
		<description><![CDATA[This week&#8217;s wholesale inflation numbers gave the markets a good scare.  The beast is loose, and the Fed is trapped between trying to prop up a sagging economy and locking the inflation monster back in the closet.
Mortgage rates are on the rise, and if Bill Gross is correct about inflation being deliberately understated, this [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/05/22/sacramento-mortgage-rates-on-the-rise/feed/</wfw:commentRss>
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		<item>
		<title>Fannie &amp; Freddie Remove the 5% “Declining Market” Penalty</title>
		<link>http://www.lendingclarity.com/2008/05/18/fanniefreddie-life-the-5-declining-market-penalty/</link>
		<comments>http://www.lendingclarity.com/2008/05/18/fanniefreddie-life-the-5-declining-market-penalty/#comments</comments>
		<pubDate>Sun, 18 May 2008 17:17:41 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Changing Guidelines]]></category>

		<category><![CDATA[PMI]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/05/18/fanniefreddie-life-the-5-declining-market-penalty/</guid>
		<description><![CDATA[In the last couple of weeks, both Fannie Mae and Freddie Mac have lifted the 5% reduction in LTV required for loans in &#8220;declining markets&#8221;.  For those unfamiliar with this policy, here&#8217;s what transpired in the past few months.
For markets designated as &#8220;declining&#8221;, &#8220;stressed&#8221;, or in some cases &#8220;severely distressed&#8221;, the agencies began requiring [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/05/18/fanniefreddie-life-the-5-declining-market-penalty/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Buying Investment Properties All Cash?  Watch Your Step</title>
		<link>http://www.lendingclarity.com/2008/05/14/buying-investment-properties-all-cash-watch-your-step/</link>
		<comments>http://www.lendingclarity.com/2008/05/14/buying-investment-properties-all-cash-watch-your-step/#comments</comments>
		<pubDate>Thu, 15 May 2008 03:20:31 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Changing Guidelines]]></category>

		<category><![CDATA[Sac Real Estate]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/05/14/buying-investment-properties-all-cash-watch-your-step/</guid>
		<description><![CDATA[Even as the Sacramento real estate market&#8217;s lower price range turns frothy once again with first-time buyers and investors slugging it out over for bank foreclosures, the lending noose draws a little tighter.
The Pitfalls of Buying Auction Properties
A client called last week.  She had purchased a home&#8211;a condo actually&#8211;at auction last November, and she [...]]]></description>
		<wfw:commentRss>http://www.lendingclarity.com/2008/05/14/buying-investment-properties-all-cash-watch-your-step/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Sacramento Mortgage Rates: The Start of a Recovery?</title>
		<link>http://www.lendingclarity.com/2008/05/13/sacramento-mortgage-rates-4/</link>
		<comments>http://www.lendingclarity.com/2008/05/13/sacramento-mortgage-rates-4/#comments</comments>
		<pubDate>Tue, 13 May 2008 16:54:54 +0000</pubDate>
		<dc:creator>Marc</dc:creator>
		
		<category><![CDATA[Area Stats]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.lendingclarity.com/2008/05/13/sacramento-mortgage-rates-4/</guid>
		<description><![CDATA[I just received some statistics on the Sacramento County market that confirm what we in the Sacramento valley have been feeling: buyers have emerged like a dragonfly hatch and are swarming around a veritable feast of low-priced, bank-owned properties. Has Sacramento taken the worst of its lumps?
For April, new escrows rose 33%, and closed escrows [...]]]></description>
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