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	<title>Visionary Realty News &#187; Mortgage</title>
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	<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>
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		<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>

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		<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>
		</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>
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		<slash:comments>0</slash:comments>
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		<title>Preparing to Close on a Property? Keep these things in mind&#8230;</title>
		<link>http://www.visionaryrealtynews.com/2010/08/preparing-to-close-on-a-property-keep-these-things-in-mind/</link>
		<comments>http://www.visionaryrealtynews.com/2010/08/preparing-to-close-on-a-property-keep-these-things-in-mind/#comments</comments>
		<pubDate>Tue, 03 Aug 2010 00:00:02 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker/agent]]></category>
		<category><![CDATA[Title insurance in the United States]]></category>

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		<description><![CDATA[Closing on a property is both a thrilling and taxing ordeal for buyers and seller alike. Make sure to prepare on the closing day thoroughly whether you are a buyer or a seller.]]></description>
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		<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>
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		<title>Learn about the various forms of Seller Financing for Buyers unable to get conventional mortgages in articles from #NYT #Realtor Mag #WSJ</title>
		<link>http://www.visionaryrealtynews.com/2010/07/learn-about-the-various-forms-of-seller-financing-for-buyers-unable-to-get-conventional-mortgages-in-articles-from-nyt-realtor-mag-wsj/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/learn-about-the-various-forms-of-seller-financing-for-buyers-unable-to-get-conventional-mortgages-in-articles-from-nyt-realtor-mag-wsj/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 15:51:32 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[New York Times]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Seller financing]]></category>
		<category><![CDATA[Wall Street Journal]]></category>
		<category><![CDATA[Washington Post]]></category>

		<guid isPermaLink="false">http://0AA3A43D-3F77-475C-9596-CB293DA2FE96</guid>
		<description><![CDATA[Seller financing offers advantages to both sellers and buyers.  Sellers have an opportunity to widen the pool of potential buyers, and buyers have an opportunity for homeownership even if they are unable to obtain a mortgage through conventional channels...]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/07/learn-about-the-various-forms-of-seller-financing-for-buyers-unable-to-get-conventional-mortgages-in-articles-from-nyt-realtor-mag-wsj/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who Qualifies for the Extended “first-time home buyer” tax Credit?</title>
		<link>http://www.visionaryrealtynews.com/2010/07/who-qualifies-for-the-extended-%e2%80%9cfirst-time-home-buyer%e2%80%9d-tax-credit/</link>
		<comments>http://www.visionaryrealtynews.com/2010/07/who-qualifies-for-the-extended-%e2%80%9cfirst-time-home-buyer%e2%80%9d-tax-credit/#comments</comments>
		<pubDate>Sat, 03 Jul 2010 08:25:08 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Homebuyer Tax Credit]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credits]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[IRS Form 5405]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28940</guid>
		<description><![CDATA[Who Qualifies for the Extended Credit?]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/07/who-qualifies-for-the-extended-%e2%80%9cfirst-time-home-buyer%e2%80%9d-tax-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 10 Myths About Buying a Foreclosure</title>
		<link>http://www.visionaryrealtynews.com/2010/06/top-10-myths-about-buying-a-foreclosure/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/top-10-myths-about-buying-a-foreclosure/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 03:38:52 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker]]></category>
		<category><![CDATA[RealtyTrac]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28462</guid>
		<description><![CDATA[Trulia.com and RealtyTrac recently surveyed U.S. adults to get some insight into what people *think* is involved with buying a foreclosure. Here are the Top 10 Myths that came up, and the facts to set the record straight...]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/06/top-10-myths-about-buying-a-foreclosure/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>If You Don&#8217;t Buy a House Now, You&#8217;re Stupid or Broke says Newsweek</title>
		<link>http://www.visionaryrealtynews.com/2010/06/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 01:03:41 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Listing Presentation]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Trappist]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=28457</guid>
		<description><![CDATA[Interest rates are at historic lows but cyclical trends suggest they will soon rise. Home buyers may never see such a chance again, writes Marc Roth]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/06/if-you-dont-buy-a-house-now-youre-stupid-or-broke-says-newsweek/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>Banks Have REO Market Locked Up #realestate</title>
		<link>http://www.visionaryrealtynews.com/2010/05/banks-have-reo-market-locked-up-realestate/</link>
		<comments>http://www.visionaryrealtynews.com/2010/05/banks-have-reo-market-locked-up-realestate/#comments</comments>
		<pubDate>Mon, 10 May 2010 18:45:42 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker]]></category>
		<category><![CDATA[Real estate owned]]></category>
		<category><![CDATA[RealtyTrac]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=25030</guid>
		<description><![CDATA[Nearly two years later lenders are much savvier about selling bank-owned properties, and their newfound know-how is grounded in the basics of supply and demand, which are both heavily impacted by foreclosures in the 2010 marketplace. Sales of properties in some stage of foreclosure accounted for one-third of all sales in the first three months of the year, according to Rea]]></description>
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