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	<title>Mortgage Advice - Credit Advice &#187; FHA Mortgage Loans</title>
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	<link>http://www.genuinemortgageadvice.com</link>
	<description>2010 mortgage advice and credit advice.  Read.  Learn.  Share.</description>
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		<title>Mortgage Refinance With No Minimum Credit Score 2009</title>
		<link>http://www.genuinemortgageadvice.com/mortgage-refinance-with-no-minimum-credit-score-2009/</link>
		<comments>http://www.genuinemortgageadvice.com/mortgage-refinance-with-no-minimum-credit-score-2009/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 19:57:21 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.genuinelending.com/?p=283</guid>
		<description><![CDATA[There is still one mortgage program that allows you to refinance without having to verify your credit scores. 
 Yes, you can have a credit score in the 500&#8217;s, or even lower, and still get approved for a mortgage refinance.
The only program that allows this approval is called a FHA Streamline Refinance.
What is a FHA streamline refinance?
It&#8217;s similar to a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bad Credit Mortgage Loans Are Still Available</title>
		<link>http://www.genuinemortgageadvice.com/bad-credit-mortgage-loans-are-still-available/</link>
		<comments>http://www.genuinemortgageadvice.com/bad-credit-mortgage-loans-are-still-available/#comments</comments>
		<pubDate>Wed, 10 Sep 2008 14:09:56 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[government programs]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/?p=79</guid>
		<description><![CDATA[I specialize in bad credit mortgage loans and I do all I can to talk about how less than perfect credit can still get you a mortgage loan approval.
Government programs are in full force nowadays and they do not have a minimum credit score to qualify.
I encourage you to leave a comment with your feedback [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>3 Ways To Obtain A No Down Payment Mortgage Loan</title>
		<link>http://www.genuinemortgageadvice.com/3-ways-to-obtain-a-no-down-payment-mortgage-loan/</link>
		<comments>http://www.genuinemortgageadvice.com/3-ways-to-obtain-a-no-down-payment-mortgage-loan/#comments</comments>
		<pubDate>Sun, 13 Jul 2008 15:04:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[No Money Down Mortgage Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[wisconsin mortgage]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/07/13/3-ways-to-obtain-a-no-down-payment-mortgage-loan/</guid>
		<description><![CDATA[Here are the three options you have when looking for a true no down payment mortgage loan. I&#8217;ve also laid out some details of each program, so you can get an idea of what they are all about.
1. VA (Veterans Affairs) Mortgage Loan - Whether you or your spouse are currently in active duty or [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/3-ways-to-obtain-a-no-down-payment-mortgage-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA or VA Mortgage Loan Tip Of The Day &#8211; Compensating Factors</title>
		<link>http://www.genuinemortgageadvice.com/fha-or-va-mortgage-loan-tip-of-the-day-compensating-factors/</link>
		<comments>http://www.genuinemortgageadvice.com/fha-or-va-mortgage-loan-tip-of-the-day-compensating-factors/#comments</comments>
		<pubDate>Wed, 09 Jul 2008 18:57:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/07/09/fha-or-va-mortgage-loan-tip-of-the-day-compensating-factors/</guid>
		<description><![CDATA[If you are not that familiar with FHA or VA mortgage loans, well, they allow approvals with borrowers that have bad credit. Now, the key to getting an approval with bad credit on a FHA loan are compensating factors. Some of the most powerful compensating factors are listed below.
So, if you are looking to buy [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/fha-or-va-mortgage-loan-tip-of-the-day-compensating-factors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Tip Of The Day</title>
		<link>http://www.genuinemortgageadvice.com/fha-tip-of-the-day/</link>
		<comments>http://www.genuinemortgageadvice.com/fha-tip-of-the-day/#comments</comments>
		<pubDate>Tue, 08 Jul 2008 06:34:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/07/08/fha-tip-of-the-day/</guid>
		<description><![CDATA[Did you know that FHA will allow the lender to deduct the monthly alimony payment from the borrower&#8217;s gross monthly income when calculating ratios??
What does this mean???
Because of the tax consequences of alimony payments, FHA guidelines permit the lender to deduct the monthly alimony payment from the borrower&#8217;s gross monthly income before calculating ratios, rather [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2 Things You Can Still Do For A No Down Payment Mortgage</title>
		<link>http://www.genuinemortgageadvice.com/2-things-you-can-still-do-for-a-no-down-payment-mortgage/</link>
		<comments>http://www.genuinemortgageadvice.com/2-things-you-can-still-do-for-a-no-down-payment-mortgage/#comments</comments>
		<pubDate>Sat, 12 Apr 2008 16:30:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[No Money Down Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/04/12/2-things-you-can-still-do-for-a-no-down-payment-mortgage/</guid>
		<description><![CDATA[If you don&#8217;t know by now, MGIC, and other 3rd party private mortgage insurance (PMI) companies are only insuring up to 97%. What this means to you, is that now you have to put a minimum of 3% as a down payment. No matter how good your credit score or how much in liquid assets [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I Get A FHA Loan With No Money Down?</title>
		<link>http://www.genuinemortgageadvice.com/can-i-get-a-fha-loan-with-no-money-down/</link>
		<comments>http://www.genuinemortgageadvice.com/can-i-get-a-fha-loan-with-no-money-down/#comments</comments>
		<pubDate>Mon, 10 Mar 2008 18:10:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[No Money Down Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/03/10/can-i-get-a-fha-loan-with-no-money-down/</guid>
		<description><![CDATA[A recent article, I have copied below, talks about a bill that should reach President Bush soon. Hopefully, it will allow people looking to buy homes with no money down to qualify for an FHA loan still.
Currently, people need 3% as a down payment for FHA loans. If this bill passes, and it&#8217;s looking better [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/can-i-get-a-fha-loan-with-no-money-down/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 3 Reasons A Mortgage Broker Is Better Than Your Local Bank</title>
		<link>http://www.genuinemortgageadvice.com/top-3-reasons-a-mortgage-broker-is-better-than-your-local-bank/</link>
		<comments>http://www.genuinemortgageadvice.com/top-3-reasons-a-mortgage-broker-is-better-than-your-local-bank/#comments</comments>
		<pubDate>Sun, 02 Mar 2008 18:42:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/03/02/top-3-reasons-a-mortgage-broker-is-better-than-your-local-bank/</guid>
		<description><![CDATA[1. Wholesale Interest Rates
Let&#8217;s use Countrywide as an example. Countrywide gives a mortgage broker, like myself, access to wholesale interest rates as another avenue of revenue for themselves. Most times I will be able to offer 0.25% or better on an interest rate compared to you walking into the front door of Countrywide&#8217;s building. Think [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/top-3-reasons-a-mortgage-broker-is-better-than-your-local-bank/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is an FHA loan?</title>
		<link>http://www.genuinemortgageadvice.com/what-is-an-fha-loan/</link>
		<comments>http://www.genuinemortgageadvice.com/what-is-an-fha-loan/#comments</comments>
		<pubDate>Mon, 21 Jan 2008 20:22:00 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[No Money Down Mortgage Loans]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/2008/01/21/what-is-an-fha-loan/</guid>
		<description><![CDATA[It seems with this whole credit crisis lately, people are afraid if they have &#8220;bad&#8221; credit they cannot be approved for a mortgage loan. Especially, the current home owners who are in an adjustable rate mortgage and their payment is about to increase.
In a nutshell, the FHA (Federal Housing Administration) loan is insured by the [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/what-is-an-fha-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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