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	<title>Palm Springs Real Estate &#187; Refinance</title>
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	<link>http://edbrophy.com</link>
	<description>Ed Brophy, REALTOR®</description>
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		<title>Does per diem interest affect refinance?</title>
		<link>http://edbrophy.com/does-per-diem-interest-affect-refinance/</link>
		<comments>http://edbrophy.com/does-per-diem-interest-affect-refinance/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 16:56:50 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home buyer grants]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
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		<category><![CDATA[Does per diem interest affect refinance]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home buyer grants]]></category>
		<category><![CDATA[Mortgage Closing Date]]></category>
		<category><![CDATA[Trust One Mortgage]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=3244</guid>
		<description><![CDATA[Dear Ed, I&#8217;m considering refinancing into a 15-year fixed-rate loan. I currently have a 30-year loan that was refinanced in 2005 for $120,000 at a rate of 5.375 percent. I&#8217;ve been making additional principal payments every month and the current balance is $95,000. My lender said it will refinance my loan into a 15-year mortgage [...]]]></description>
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		<title>Mortgage Refinance Might Have Drawbacks</title>
		<link>http://edbrophy.com/mortgage-refinance-might-have-drawbacks/</link>
		<comments>http://edbrophy.com/mortgage-refinance-might-have-drawbacks/#comments</comments>
		<pubDate>Thu, 07 Oct 2010 17:35:38 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[CredAbility]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[HomePath Mortgage Financing]]></category>
		<category><![CDATA[HomePath Renovation Mortgage]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Mortgage Professional]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[REALTORS®]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2841</guid>
		<description><![CDATA[The Van Ripers have moved up the date of their mortgage-burning party. When the couple purchased their St. Paul, Minn., home in 2005, they locked in a 6 percent interest rate for 30 years. But with mortgage rates at jaw-dropping lows, they refinanced into a 4.125 percent, 15-year mortgage that will save them more than [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How Refinancing Pays for Itself &amp; Saves You Money</title>
		<link>http://edbrophy.com/how-refinancing-pays-for-itself-saves-you-money/</link>
		<comments>http://edbrophy.com/how-refinancing-pays-for-itself-saves-you-money/#comments</comments>
		<pubDate>Tue, 21 Sep 2010 18:44:43 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Financing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2615</guid>
		<description><![CDATA[Many are complaining about the fact that their home has lost value in the last three years. They purchased the home in the early 2000s and saw nice increases for a few years. Then the housing bubble burst and the market started going south, and it kept going down, and down, and down. It has [...]]]></description>
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		<title>What is an FHA Streamline Refinance</title>
		<link>http://edbrophy.com/what-is-an-fha-streamline-refinance/</link>
		<comments>http://edbrophy.com/what-is-an-fha-streamline-refinance/#comments</comments>
		<pubDate>Sun, 19 Sep 2010 15:23:24 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Financing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2599</guid>
		<description><![CDATA[FHA Streamline Refinance – A Simple Definition: The FHA streamline refinance is a refinance program designed for people who currently have an FHA loan to be able to take advantage of lowering their interest rate when rates drop with less documentation than a “normal” refinance requires. The term streamline refers to the reduced documentation requirements [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Asks Lenders to Forgive 10% of &#8216;Underwater&#8217; Mortgages</title>
		<link>http://edbrophy.com/fha-asks-lenders-to-forgive-10-of-underwater-mortgages/</link>
		<comments>http://edbrophy.com/fha-asks-lenders-to-forgive-10-of-underwater-mortgages/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 18:03:48 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Financing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
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		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2551</guid>
		<description><![CDATA[The Obama administration is trying to jump-start its sputtering attempts to tackle the foreclosure crisis with an effort to assist homeowners who owe more on their properties than their homes are worth. The Federal Housing Administration will permit lenders to give these borrowers refinanced loans backed by the government. The lenders will be required to [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/fha-asks-lenders-to-forgive-10-of-underwater-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Jumbo Mortgage Rates Are Down</title>
		<link>http://edbrophy.com/jumbo-mortgage-rates-are-down/</link>
		<comments>http://edbrophy.com/jumbo-mortgage-rates-are-down/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 16:59:44 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Loans]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Streamline Refinanc]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2136</guid>
		<description><![CDATA[The average rate on a “jumbo” mortgage — a loan of more than $729,750 — has fallen nearly a point and a half in a year.  It’s no surprise that the average 5.48 percent rate is prompting a wave of refinancings. According to the Mortgage Bankers Association, applications to refinance are now at a 13-month [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/jumbo-mortgage-rates-are-down/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Refinance Your Mortgage?</title>
		<link>http://edbrophy.com/should-you-refinance-your-mortgage/</link>
		<comments>http://edbrophy.com/should-you-refinance-your-mortgage/#comments</comments>
		<pubDate>Fri, 28 May 2010 19:27:31 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed borphy]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[loan approval]]></category>
		<category><![CDATA[loan contingency]]></category>
		<category><![CDATA[loan process]]></category>
		<category><![CDATA[Mortgage Approval]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
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		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1364</guid>
		<description><![CDATA[Because of strife in Greece, Spain and North Korea, conforming mortgage rates are back to all-time lows. They&#8217;re at levels not seen in 50 years.  For homeowners that missed the Refi Boom of November 2009, this is  your second chance. In this well-presented, 3-minute video (below), from NBC&#8217;s The Today Show, you&#8217;ll get tips on getting [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Time Has Come To Refinance Your Existing Mortgage</title>
		<link>http://edbrophy.com/the-time-has-come-to-refinance-your-existing-mortgage/</link>
		<comments>http://edbrophy.com/the-time-has-come-to-refinance-your-existing-mortgage/#comments</comments>
		<pubDate>Mon, 24 May 2010 17:31:16 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[California FHA Loans]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[FHA Loans]]></category>
		<category><![CDATA[FHA Loans in California]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Palm Springs Fannie Mae HomePath Listings]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1176</guid>
		<description><![CDATA[For many the time has come to refinance your existing mortgage. I am not saying that it&#8217;s not possible that rates will not go any lower than they are right now. The truth is no one can know for sure how low or high they may go (you have to remember the last time there [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Unscrupulous Mortgage Originators, Family&#8217;s Not Even Safe!</title>
		<link>http://edbrophy.com/unscrupulous-mortgage-originators-familys-not-even-safe/</link>
		<comments>http://edbrophy.com/unscrupulous-mortgage-originators-familys-not-even-safe/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 13:00:44 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[pay option arm]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=247</guid>
		<description><![CDATA[I&#8217;ve been running a radio ad in the Los Angeles area the past couple of days, tremendous response and majority of the prospects are extremely credit worthy. Here&#8217;s a problem I ran into last night while taking a call a 9pm, how would you have advised the client? Mr. Prospect calls about refinancing, he&#8217;s currently [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Refinacing Becomes Tougher &#8211; Part One</title>
		<link>http://edbrophy.com/mortgage-refinacing-becomes-tougher-part-one/</link>
		<comments>http://edbrophy.com/mortgage-refinacing-becomes-tougher-part-one/#comments</comments>
		<pubDate>Sat, 12 Apr 2008 02:22:16 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[default notices]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[refinance options]]></category>
		<category><![CDATA[rising interest r]]></category>
		<category><![CDATA[synergy mortgage]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=76</guid>
		<description><![CDATA[With rates on many homeowners&#8217; adjustable-rate mortgages rising, some who would like to refinance into a new loan are finding they can&#8217;t. In most cases, it&#8217;s because their loan carries a prepayment penalty, which would require them to come up with thousands of dollars if they refinance in the first few years.  Pre-payment penalties are [...]]]></description>
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