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<channel>
	<title>PERL Mortgage Podcast</title>
	
	<link>http://perlmortgage.com/blog</link>
	<description>PERL Mortgage Podcast</description>
	<pubDate>Mon, 06 Feb 2012 18:32:42 +0000</pubDate>
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	<language>en</language>
	<itunes:summary>Weekly podcast from Chicago-based independent lender</itunes:summary>
	<itunes:subtitle>Weekly podcast from Chicago's #1 Independent Lender</itunes:subtitle>
	<itunes:author>PERL Mortgage, Inc.</itunes:author>
	<itunes:image href="http://perlmortgage.com/images/PERLpodcastLogo.jpg" />
	<image><url>http://perlmortgage.com/images/PERLpodcastLogo.jpg</url><title>PERL Mortgage Podcast</title><link>http://perlmortgage.com/blog</link></image>
	
	
	
	<itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords>
	<itunes:explicit>no</itunes:explicit>
	
			<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/Perlmortgage" /><feedburner:info uri="perlmortgage" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><media:copyright>Copyright (c) 2009 by PERL Mortgage, Inc.</media:copyright><media:thumbnail url="http://perlmortgage.com/images/PERLpodcastLogo.jpg" /><media:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</media:keywords><media:category scheme="http://www.itunes.com/dtds/podcast-1.0.dtd">Business/Business News</media:category><itunes:owner><itunes:email>info@perlmortgage.com</itunes:email><itunes:name>PERL Mortgage, Inc.</itunes:name></itunes:owner><itunes:category text="Business"><itunes:category text="Business News" /></itunes:category><item>
		<title>PERL Podcast / The Year Before and The Year Ahead</title>
		<link>http://feedproxy.google.com/~r/Perlmortgage/~3/-slLmCaLmPU/</link>
		<comments>http://perlmortgage.com/blog/podcasts/perl-podcast-the-year-before-and-the-year-ahead/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 19:20:48 +0000</pubDate>
		<dc:creator>info@perlmortgage.com (PERL Mortgage, Inc.)</dc:creator>
		
		<category><![CDATA[Podcasts]]></category>

		<category><![CDATA[2011]]></category>

		<category><![CDATA[Barry Schwartz]]></category>

		<category><![CDATA[HARP]]></category>

		<category><![CDATA[Predictions]]></category>

		<category><![CDATA[Year in Review]]></category>

		<guid isPermaLink="false">http://perlmortgage.com/blog/?p=2780</guid>
		<description>Barry Schwartz gives an overview of 2011 and predicts how things might look in 2012 for housing and mortgages.&lt;img src="http://feeds.feedburner.com/~r/Perlmortgage/~4/-slLmCaLmPU" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://perlmortgage.com/blog/podcasts/perl-podcast-the-year-before-and-the-year-ahead/feed/</wfw:commentRss>

	<itunes:summary>Top PERL Loan Officer Barry Schwartz gives an overview of how the housing market and mortgage rates behaved in 2011, and offers some insights on how things might look in 2012. Alsoa quick look at the governments HARP program, and how it could affect mortgage banking.</itunes:summary>
<itunes:subtitle>Barry Schwartz gives an overview of 2011 and predicts how things might look in 2012 for housing and mortgages.</itunes:subtitle>
	<media:content url="http://feedproxy.google.com/~r/Perlmortgage/~5/Dc913meT8k8/PERL_Podcast_Episode81_FINAL.mp3" fileSize="7563806" type="audio/mpeg" /><itunes:explicit>no</itunes:explicit><itunes:author>PERL Mortgage, Inc.</itunes:author><itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords><feedburner:origLink>http://perlmortgage.com/blog/podcasts/perl-podcast-the-year-before-and-the-year-ahead/</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/Perlmortgage/~5/Dc913meT8k8/PERL_Podcast_Episode81_FINAL.mp3" length="7563806" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.perlmortgage.com/blog/wp-content/uploads/podcasts/PERL_Podcast_Episode81_FINAL.mp3</feedburner:origEnclosureLink></item>
		<item>
		<title>PERL Podcast / Chicago Housing Market in Fall 2011</title>
		<link>http://feedproxy.google.com/~r/Perlmortgage/~3/9EHVSZprGXk/</link>
		<comments>http://perlmortgage.com/blog/podcasts/perl-podcast-chicago-housing-market-in-fall-2011/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 15:16:47 +0000</pubDate>
		<dc:creator>info@perlmortgage.com (PERL Mortgage, Inc.)</dc:creator>
		
		<category><![CDATA[Podcasts]]></category>

		<category><![CDATA[Dream Town Realty]]></category>

		<category><![CDATA[Housing Market]]></category>

		<category><![CDATA[Interest Rate]]></category>

		<category><![CDATA[Matt Cochran]]></category>

		<category><![CDATA[Ramona DeMille]]></category>

		<guid isPermaLink="false">http://perlmortgage.com/blog/?p=2707</guid>
		<description>Ramona DeMille of Dream Town Realty and Matt Cochran look at key housing market indicators.&lt;img src="http://feeds.feedburner.com/~r/Perlmortgage/~4/9EHVSZprGXk" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://perlmortgage.com/blog/podcasts/perl-podcast-chicago-housing-market-in-fall-2011/feed/</wfw:commentRss>

	<itunes:summary>This week, Ramona DeMille of Dream Town Realty and Matt Cochran of PERL Mortgage analyze how Chicago has fared in the broader context of the housing market - from the recent stabilization of available home prices to historically low interest rates.</itunes:summary>
<itunes:subtitle>Ramona DeMille of Dream Town Realty and Matt Cochran look at key housing market indicators.</itunes:subtitle>
	<media:content url="http://feedproxy.google.com/~r/Perlmortgage/~5/NcG7JpHLB8g/PERL_Podcast_Episode80_FINAL.mp3" fileSize="5906802" type="audio/mpeg" /><itunes:explicit>no</itunes:explicit><itunes:author>PERL Mortgage, Inc.</itunes:author><itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords><feedburner:origLink>http://perlmortgage.com/blog/podcasts/perl-podcast-chicago-housing-market-in-fall-2011/</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/Perlmortgage/~5/NcG7JpHLB8g/PERL_Podcast_Episode80_FINAL.mp3" length="5906802" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.perlmortgage.com/blog/wp-content/uploads/podcasts/PERL_Podcast_Episode80_FINAL.mp3</feedburner:origEnclosureLink></item>
		<item>
		<title>PERL Podcast / Mortgage Insurance</title>
		<link>http://feedproxy.google.com/~r/Perlmortgage/~3/nY1wGADOyXw/</link>
		<comments>http://perlmortgage.com/blog/podcasts/perl-podcast-mortgage-insurance-2/#comments</comments>
		<pubDate>Sun, 15 May 2011 17:14:56 +0000</pubDate>
		<dc:creator>info@perlmortgage.com (PERL Mortgage, Inc.)</dc:creator>
		
		<category><![CDATA[Podcasts]]></category>

		<category><![CDATA[Alex Margulis]]></category>

		<category><![CDATA[FHA]]></category>

		<category><![CDATA[mortgage insurance]]></category>

		<category><![CDATA[regulations]]></category>

		<guid isPermaLink="false">http://perlmortgage.com/blog/?p=2537</guid>
		<description>Alex Margulis explains mortgage insurance.&lt;img src="http://feeds.feedburner.com/~r/Perlmortgage/~4/nY1wGADOyXw" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://perlmortgage.com/blog/podcasts/perl-podcast-mortgage-insurance-2/feed/</wfw:commentRss>

	<itunes:summary>Mortgage insurance, which is usually applied to any home purchased with a low down payment, is one way that the FHA helps to manage the risks of the housing market. Recently, new FHA regulations for mortgage insurance rates and premiums went into effect. Alex Margulis, one of PERLs top mortgage advisors, helps explain the basics of mortgage insurance and how the new regulations will affect the future state of the housing market.</itunes:summary>
<itunes:subtitle>Alex Margulis explains mortgage insurance.</itunes:subtitle>
	<media:content url="http://feedproxy.google.com/~r/Perlmortgage/~5/zkAE-p_euPg/PERL_Podcast_Episode79_FINAL.mp3" fileSize="12146932" type="audio/mpeg" /><itunes:explicit>no</itunes:explicit><itunes:author>PERL Mortgage, Inc.</itunes:author><itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords><feedburner:origLink>http://perlmortgage.com/blog/podcasts/perl-podcast-mortgage-insurance-2/</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/Perlmortgage/~5/zkAE-p_euPg/PERL_Podcast_Episode79_FINAL.mp3" length="12146932" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.perlmortgage.com/blog/wp-content/uploads/podcasts/PERL_Podcast_Episode79_FINAL.mp3</feedburner:origEnclosureLink></item>
		<item>
		<title>PERL Podcast / All About Money Down</title>
		<link>http://feedproxy.google.com/~r/Perlmortgage/~3/FyZqlk1h9-s/</link>
		<comments>http://perlmortgage.com/blog/podcasts/perl-podcast-all-about-money-down/#comments</comments>
		<pubDate>Sun, 01 May 2011 17:14:33 +0000</pubDate>
		<dc:creator>info@perlmortgage.com (PERL Mortgage, Inc.)</dc:creator>
		
		<category><![CDATA[Podcasts]]></category>

		<category><![CDATA[Barry Schwartz]]></category>

		<category><![CDATA[down payment]]></category>

		<category><![CDATA[FHA]]></category>

		<category><![CDATA[Jennifer Gerard]]></category>

		<guid isPermaLink="false">http://perlmortgage.com/blog/?p=2518</guid>
		<description>Barry Schwartz and Jennifer Gerard discuss down payments.&lt;img src="http://feeds.feedburner.com/~r/Perlmortgage/~4/FyZqlk1h9-s" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://perlmortgage.com/blog/podcasts/perl-podcast-all-about-money-down/feed/</wfw:commentRss>

	<itunes:summary>New homebuyers might be perplexed about the qualifications and criteria that are used to determine a minimum down payment. Top PERL loan officer Barry Schwartz and fellow PERL mortgage specialist Jennifer Gerard help unravel the mysteries of money down.</itunes:summary>
<itunes:subtitle>Barry Schwartz and Jennifer Gerard discuss down payments.</itunes:subtitle>
	<media:content url="http://feedproxy.google.com/~r/Perlmortgage/~5/FuLZ90l-e6c/PERL_Podcast_Episode78_FINAL.mp3" fileSize="12413172" type="audio/mpeg" /><itunes:explicit>no</itunes:explicit><itunes:author>PERL Mortgage, Inc.</itunes:author><itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords><feedburner:origLink>http://perlmortgage.com/blog/podcasts/perl-podcast-all-about-money-down/</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/Perlmortgage/~5/FuLZ90l-e6c/PERL_Podcast_Episode78_FINAL.mp3" length="12413172" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.perlmortgage.com/blog/wp-content/uploads/podcasts/PERL_Podcast_Episode78_FINAL.mp3</feedburner:origEnclosureLink></item>
		<item>
		<title>PERL Podcast / The Short Sale Process</title>
		<link>http://feedproxy.google.com/~r/Perlmortgage/~3/qFSG-QS23cE/</link>
		<comments>http://perlmortgage.com/blog/podcasts/perl-podcast-short-sale-process/#comments</comments>
		<pubDate>Sat, 30 Apr 2011 15:00:14 +0000</pubDate>
		<dc:creator>info@perlmortgage.com (PERL Mortgage, Inc.)</dc:creator>
		
		<category><![CDATA[Podcasts]]></category>

		<category><![CDATA[Akos Straub]]></category>

		<category><![CDATA[Dean Vlamis]]></category>

		<category><![CDATA[home buying]]></category>

		<category><![CDATA[short sales]]></category>

		<category><![CDATA[Vince Milito]]></category>

		<guid isPermaLink="false">http://perlmortgage.com/blog/?p=2481</guid>
		<description>Strategies for selling a home short.&lt;img src="http://feeds.feedburner.com/~r/Perlmortgage/~4/qFSG-QS23cE" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://perlmortgage.com/blog/podcasts/perl-podcast-short-sale-process/feed/</wfw:commentRss>

	<itunes:summary>With the housing market still improving at a slow-but-steady pace, some properties are selling short, which can mean different things to home buyers and home owners. Akos Straub and Vince Milito of Chicago Short Sale Negotiators and top PERL producer Dean Vlamis discuss the basics of short sales and some advice on how to make the most out of this current market trend.</itunes:summary>
<itunes:subtitle>Strategies for selling a home short.</itunes:subtitle>
	<media:content url="http://feedproxy.google.com/~r/Perlmortgage/~5/Xme0d782c8Q/PERL_Podcast_Episode76_FINAL.mp3" fileSize="11058985" type="audio/mpeg" /><itunes:explicit>no</itunes:explicit><itunes:author>PERL Mortgage, Inc.</itunes:author><itunes:keywords>Chicago,Mortgage,Lending,Finances,Credit,Fed,Prime,Rate,PERL,PERL,Mortgage,Home,Loan</itunes:keywords><feedburner:origLink>http://perlmortgage.com/blog/podcasts/perl-podcast-short-sale-process/</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/Perlmortgage/~5/Xme0d782c8Q/PERL_Podcast_Episode76_FINAL.mp3" length="11058985" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.perlmortgage.com/blog/wp-content/uploads/podcasts/PERL_Podcast_Episode76_FINAL.mp3</feedburner:origEnclosureLink></item>
	<copyright>Copyright (c) 2009 by PERL Mortgage, Inc.</copyright><media:credit role="author">PERL Mortgage, Inc.</media:credit><media:rating>nonadult</media:rating><media:description type="plain">Weekly podcast from Chicago's #1 Independent Lender</media:description></channel>
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