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	<title>THE PENNSYLVANIA MORTGAGE REPORT</title>
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		<title>Pennsylvania USDA Mortgages : How the Annual Fee Increase Affects You</title>
		<link>http://www.pamortgageonline.com/?p=716</link>
		<comments>http://www.pamortgageonline.com/?p=716#comments</comments>
		<pubDate>Sun, 09 Sep 2012 11:52:33 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[USDA]]></category>

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		<description><![CDATA[Another change has occurred to Pennsylvania USDA Mortgages… Last fall the USDA began including an annual fee with their mortgages.  This fee is included with the monthly payment and is intended to help keep the USDA Mortgage Program financially solvent. USDA has now announced that there will be an increase in this annual fee for [...]]]></description>
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		<title>FHA Streamline Refinance just got much, much cheaper (for some)</title>
		<link>http://www.pamortgageonline.com/?p=709</link>
		<comments>http://www.pamortgageonline.com/?p=709#comments</comments>
		<pubDate>Fri, 08 Jun 2012 11:21:24 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[HUD has announced a change to the FHA Streamline program that will make refinancing an FHA Mortgage in Pennsylvania and the rest of the country much cheaper for many homeowners. Essentially, HUD is drastically reducing the amount of Mortgage Insurance required for qualified FHA Streamline Refinances. FHA has always had two types of mortgage insurance [...]]]></description>
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		<title>FHA Mortgages and Gift Funds</title>
		<link>http://www.pamortgageonline.com/?p=690</link>
		<comments>http://www.pamortgageonline.com/?p=690#comments</comments>
		<pubDate>Tue, 08 May 2012 11:23:55 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[FHA Mortgages allow borrowers to use Gift Funds to meet the 3.5% down payment requirement. When using Gift Funds to purchase a home it is important that Gift Funds be documented properly to avoid any issues with the FHA underwriting process. The primary intention of these rules is too make sure that the FHA borrower [...]]]></description>
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		<title>HARP Refinance with Mortgage Insurance</title>
		<link>http://www.pamortgageonline.com/?p=655</link>
		<comments>http://www.pamortgageonline.com/?p=655#comments</comments>
		<pubDate>Tue, 10 Apr 2012 13:05:26 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[If you have Mortgage Insurance you CAN Refinance with the HARP program If you currently have mortgage insurance and would like to refinance with the HARP program make sure you contact a lender that is able to handle this request. Some potential HARP applicants have been running into roadblocks because they have been told that [...]]]></description>
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		<title>Pennsylvania Mortgage Rates</title>
		<link>http://www.pamortgageonline.com/?p=449</link>
		<comments>http://www.pamortgageonline.com/?p=449#comments</comments>
		<pubDate>Sat, 10 Mar 2012 21:31:11 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Active Rain]]></category>

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		<description><![CDATA[Mortgage rates are still at very low levels in Pennsylvania.  Low Mortgage Rates increase your Home Purchase power and bring more homes into your price range.  Now is the time to see if you can take advantage of these low rates to purchase a home.    Call today for a free consultation to see what you qualify [...]]]></description>
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		<title>Get Pre &#8211; Approved Before Shopping for your Next Home</title>
		<link>http://www.pamortgageonline.com/?p=89</link>
		<comments>http://www.pamortgageonline.com/?p=89#comments</comments>
		<pubDate>Sat, 10 Mar 2012 20:22:01 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Home Shopping]]></category>
		<category><![CDATA[getting pre approved]]></category>
		<category><![CDATA[mortgage pre-approval]]></category>

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		<description><![CDATA[When shopping for a home it always a good idea to check in with your mortgage lender and make sure that obtaining a mortgage for a property will be possible. Making sure there are no mistakes on your credit report and that income, debts and assets are in line is a crucial step to purchasing [...]]]></description>
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		<title>HARP 2.0 : HARP Refinance Options in Pennsylvania</title>
		<link>http://www.pamortgageonline.com/?p=630</link>
		<comments>http://www.pamortgageonline.com/?p=630#comments</comments>
		<pubDate>Mon, 06 Feb 2012 12:16:41 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[The Home Affordable Refinance Program, known as HARP, has been revised and expanded to hopefully help more homeowners How is the new HARP 2.0 different from the previous HARP? Under the new HARP refinance program, the big change is that IT DOES NOT MATTER HOW MUCH A HOME HAS DECREASED IN VALUE. HARP has eliminated [...]]]></description>
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		<title>HARP Refinance Program in Pennsylvania : Help for Underwater Homeowners</title>
		<link>http://www.pamortgageonline.com/?p=615</link>
		<comments>http://www.pamortgageonline.com/?p=615#comments</comments>
		<pubDate>Thu, 26 Jan 2012 11:54:12 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.pamortgageonline.com/?p=615</guid>
		<description><![CDATA[The Home Affordable Refinance Program, known as HARP, has been revised and expanded to hopefully help more homeowners. How is the new HARP different from the previous HARP? Under the new HARP refinance program, the big change is that IT DOES NOT MATTER HOW MUCH A HOME HAS DECREASED IN VALUE. HARP has eliminated the [...]]]></description>
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		<title>Maximum FHA Loan Amounts in Pennsylvania Reinstated to Higher Limits Again</title>
		<link>http://www.pamortgageonline.com/?p=603</link>
		<comments>http://www.pamortgageonline.com/?p=603#comments</comments>
		<pubDate>Mon, 16 Jan 2012 12:49:57 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[FHA]]></category>

		<guid isPermaLink="false">http://www.pamortgageonline.com/?p=603</guid>
		<description><![CDATA[The maximum FHA loan amounts for Pennsylvania mortgages have changed again.  Previously these maximum loan amounts had reset back to the lower pre-2008 maximum loan amounts after the time limit on the temporary increase had expired.  Pressure from the housing industry and the home buying public helped push a reinstatement through Congress and the Oval [...]]]></description>
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		<title>Are You Pre-Approved or Just Pre-Qualified?</title>
		<link>http://www.pamortgageonline.com/?p=454</link>
		<comments>http://www.pamortgageonline.com/?p=454#comments</comments>
		<pubDate>Sun, 18 Dec 2011 11:23:21 +0000</pubDate>
		<dc:creator>Keith Landis</dc:creator>
				<category><![CDATA[Active Rain]]></category>

		<guid isPermaLink="false">http://www.pamortgageonline.com/?p=454</guid>
		<description><![CDATA[When shopping for a home it always a good idea to check in with your mortgage lender and make sure that obtaining a mortgage for a property will be possible.  Making sure there are no mistakes on your credit report and that income, debts and assets are in line is a crucial step to purchasing a [...]]]></description>
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