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	<title>Visionary Realty News &#187; Finance</title>
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	<link>http://www.visionaryrealtynews.com</link>
	<description>by Visionary Agents w/ Sotheby&#039;s International Realty® Where lifestyle is Realty adjacent.™. Providing Comprehensive Real Estate Knowledge and Services to Residential Buyers and Sellers.</description>
	<lastBuildDate>Mon, 06 Feb 2012 17:07:18 +0000</lastBuildDate>
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		<title>The Best Holiday Gift Some People Might Receive Would be help with a Down Payment on a House</title>
		<link>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/</link>
		<comments>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 17:00:36 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Trulia]]></category>
		<category><![CDATA[VA loan]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=80139</guid>
		<description><![CDATA[Help with a down payment With most lenders requiring borrowers to put down at least 20 percent as a down payment – unless using an FHA or VA loan, or purchasing mortgage insurance – the best holiday gift some people might receive would be help with a down payment on a house.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is now the time to dump your ARM?</title>
		<link>http://www.visionaryrealtynews.com/2011/05/is-now-the-time-to-dump-your-arm/</link>
		<comments>http://www.visionaryrealtynews.com/2011/05/is-now-the-time-to-dump-your-arm/#comments</comments>
		<pubDate>Tue, 24 May 2011 16:15:30 +0000</pubDate>
		<dc:creator>Peter Miller</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Adjustable Rate Mortgages]]></category>
		<category><![CDATA[Adjustable-rate mortgage]]></category>
		<category><![CDATA[Arms]]></category>
		<category><![CDATA[Detroit]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Mr. Dugan]]></category>
		<category><![CDATA[Option ARMs]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">http://blog.hsh.com/?p=44172</guid>
		<description><![CDATA[Despite continuing low mortgage rates, one prominent Detroit bankruptcy attorney says ARMs remain a looming danger and should be avoided.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage rates Rebound from 2010&#8242;s near-record low reducing consumer demand 4 home loans N refinancings</title>
		<link>http://www.visionaryrealtynews.com/2011/04/mortgage-rates-rebound-from-2010s-near-record-low-reducing-consumer-demand-4-home-loans-n-refinancings/</link>
		<comments>http://www.visionaryrealtynews.com/2011/04/mortgage-rates-rebound-from-2010s-near-record-low-reducing-consumer-demand-4-home-loans-n-refinancings/#comments</comments>
		<pubDate>Sat, 09 Apr 2011 01:15:44 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[L.A. Times]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Adjustable-rate mortgage]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Fixed rate mortgage]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[San Francisco]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=41160</guid>
		<description><![CDATA[A rebound in mortgage rates from last year's near-record low has reduced consumer demand for home loans and refinancings, leading Wells Fargo &#038; Co. to join other industry stalwarts in laying off loan processors and related workers.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Fannie Mae will probably lower the high balance conforming limit to $625,500</title>
		<link>http://www.visionaryrealtynews.com/2011/02/fannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500/</link>
		<comments>http://www.visionaryrealtynews.com/2011/02/fannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 01:19:55 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Loan modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Federal takeover of Fannie Mae and Freddie Mac]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Jumbo mortgage]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Obama Administration]]></category>
		<category><![CDATA[United States Congress]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=39064</guid>
		<description><![CDATA[<div style="padding-top:5px;padding-right:0px;padding-bottom:5px;padding-left:0px;;">
											<iframe
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												src="http://www.linksalpha.com/social?blog=Visionary+Realty+News&link=http%3A%2F%2Fwww.visionaryrealtynews.com%2F2011%2F02%2Ffannie-mae-will-probably-lower-the-high-balance-conforming-limit-to-625500%2F&title=Fannie+Mae+will+probably+lower+the+high+balance+conforming+limit+to+%24625%2C500&desc=%E2%80%9CThe+Obama+administration+proposes+to+reduce+the+%22footprint%E2%80%9D+of+Fannie+Mae+and+Freddie+Mac+by+reducing+the+ceiling+on+loans+that+the+two+government-controlled+lenders+can+guarantee+as+of+October+1&fc=333333&fs=arial&fblname=like&fblref=facebook&fbllang=en_US&fblshow=1&fbsbutton=1&fbsctr=1&fbslang=en&fbsendbutton=0&twbutton=1&twlang=en&twmention=%40visionaryagents&twrelated1=visionaryagents&twrelated2=&twctr=1&lnkdshow=show&lnkdctr=1&buzzbutton=1&buzzlang=en&buzzctr=1&diggbutton=1&diggctr=1&stblbutton=1&stblctr=1&g1button=1&g1ctr=1&g1lang=en-US">
											</iframe>
										</div>“The Obama administration proposes to reduce the &#8220;footprint” of Fannie Mae and Freddie Mac by reducing the ceiling on loans that the two government-controlled lenders can guarantee as of October 1, 2011. Current federal law allows the two agencies to guarantee mortgages up to $729,750 in some high-home price areas. The administration recommends that Congress [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ready to buy? Get cocked, locked and ready to rock. Become a Qualified Buyer!</title>
		<link>http://www.visionaryrealtynews.com/2010/08/ready-to-buy-get-cocked-locked-and-ready-to-rock-become-a-qualified-buyer/</link>
		<comments>http://www.visionaryrealtynews.com/2010/08/ready-to-buy-get-cocked-locked-and-ready-to-rock-become-a-qualified-buyer/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 23:08:55 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Corporate tax]]></category>
		<category><![CDATA[IRS tax forms]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=30764</guid>
		<description><![CDATA[Ready to buy? Then here's what documentation you need to prepare so a mortgage banker can let you know exactly what loan amount and purchase price you can qualify for...]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/08/ready-to-buy-get-cocked-locked-and-ready-to-rock-become-a-qualified-buyer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pimco: Investment Returns Will Turn Flat</title>
		<link>http://www.visionaryrealtynews.com/2010/08/pimco-investment-returns-will-turn-flat/</link>
		<comments>http://www.visionaryrealtynews.com/2010/08/pimco-investment-returns-will-turn-flat/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 15:53:29 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Great Moderation]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Pimco]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[United States Treasury security]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[The risk of big losses also will discourage excessive borrowing. “Successful investment strategies in a New Normal world will generally be less levered than during the Great Moderation — roughly 1987-2007,” he wrote.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making sense of the Financial Regulations Bill for Buyers</title>
		<link>http://www.visionaryrealtynews.com/2010/07/making-sense-of-the-financial-regulations-bill-for-buyers/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/making-sense-of-the-financial-regulations-bill-for-buyers/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 07:38:16 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=29529</guid>
		<description><![CDATA[Making sense of the Financial Regulations Bill for Buyers]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/07/making-sense-of-the-financial-regulations-bill-for-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Follow the Appraisal Insight Blog</title>
		<link>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 20:27:31 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Home Improvement]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://9DCCD636-E3E6-4177-A1DE-04EDCDEBC501</guid>
		<description><![CDATA[Get the latest appraisal news and analysis.

Appraisal Foundation, Appraisal Institute In Dispute 

House Offer Includes Sunset of HVCC]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>June 1 Fannie Mae has lenders pull a NEW credit report prior to ordering loan documents and/or closing.</title>
		<link>http://www.visionaryrealtynews.com/2010/05/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/</link>
		<comments>http://www.visionaryrealtynews.com/2010/05/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/#comments</comments>
		<pubDate>Sun, 16 May 2010 23:33:00 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[FannieMae]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Underwriting]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=25456</guid>
		<description><![CDATA[Starting June 1, 2010 Fannie Mae is going to implement some changes to their underwriting process. Most of them are minor and will not have any impact, but the one that MAY change things is the lenders will be pulling a NEW credit report prior to ordering loan documents and/or closing.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/05/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Economist: Eliminate Checking Accounts to End Bank Risks</title>
		<link>http://www.visionaryrealtynews.com/2010/05/economist-eliminate-checking-accounts-to-end-bank-risks/</link>
		<comments>http://www.visionaryrealtynews.com/2010/05/economist-eliminate-checking-accounts-to-end-bank-risks/#comments</comments>
		<pubDate>Wed, 05 May 2010 21:22:38 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[13 Bankers: The Wall Street Takeover and the Next Financial Meltdown]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Boston University]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Laurence Kotlikoff]]></category>
		<category><![CDATA[Mutual fund]]></category>
		<category><![CDATA[Savings account]]></category>

		<guid isPermaLink="false"></guid>
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											<iframe
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										</div>What’s the best way to prevent banks from taking reckless risks with customers’ money? Do away with savings and checking accounts, says Boston University economist Laurence Kotlikoff. In his new book, “Jimmy Stewart Is Dead: Ending the World’s Ongoing Financial Plague With Limited Purpose Banking,” Kotlikoff says checking accounts should be replaced with all-cash mutual [...]]]></description>
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