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	<title>Mortgage &#38; Real Estate News</title>
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	<link>http://edbrophy.com</link>
	<description>by: Ed Brophy</description>
	<lastBuildDate>Sun, 05 Sep 2010 18:10:25 +0000</lastBuildDate>
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		<item>
		<title>Ten Low Cost Tips to Improve Your Home&#8217;s Appeal</title>
		<link>http://edbrophy.com/2010/09/ten-low-cost-tips-to-improve-your-homes-appeal/</link>
		<comments>http://edbrophy.com/2010/09/ten-low-cost-tips-to-improve-your-homes-appeal/#comments</comments>
		<pubDate>Sun, 05 Sep 2010 18:10:25 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Marketing]]></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[home loans]]></category>
		<category><![CDATA[home mortgage]]></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[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2337</guid>
		<description><![CDATA[When selling your home, the goal is to sell it quickly for the highest price while investing as little as possible in renovations. With a limited budget and a little effort, you can greatly increase your home&#8217;s appeal by focusing on what prospective buyers can see on their first visit. The experts at BuyOwner.com offer [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Smart Reasons to Buy a Home Now</title>
		<link>http://edbrophy.com/2010/09/five-smart-reasons-to-buy-a-home-now/</link>
		<comments>http://edbrophy.com/2010/09/five-smart-reasons-to-buy-a-home-now/#comments</comments>
		<pubDate>Sat, 04 Sep 2010 17:53:12 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Real Estate]]></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[home loans]]></category>
		<category><![CDATA[home mortgage]]></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[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2328</guid>
		<description><![CDATA[The economy is stabilizing. Home prices are holding. It&#8217;s not just as good a time as ever to buy a house. It&#8217;s one of the best times ever. 1. Low mortgage rates serve as an equity shock absorber. When buyers borrow at today&#8217;s record-low rates, they start building equity as soon as they close. That [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>For Sale: Rancho Mirage Sunrise Country Club Condo</title>
		<link>http://edbrophy.com/2010/09/for-sale-rancho-mirage-sunrise-country-club-condo/</link>
		<comments>http://edbrophy.com/2010/09/for-sale-rancho-mirage-sunrise-country-club-condo/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 15:21:42 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Hot Properties]]></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[home loans]]></category>
		<category><![CDATA[home mortgage]]></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[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2287</guid>
		<description><![CDATA[This condo is the largest model in Sunrise Country Club is offered at $448,000. The 3rd bedroom and atrium have been converted into a cozy den with beautiful built in shevles and entertainment center and an adjoining study/office also with built in shelving. The kitchen was updated with Oak cabinetry and Corian counter tops. The [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/2010/09/for-sale-rancho-mirage-sunrise-country-club-condo/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>30 Year Mortgage Rates Drop to Another Low</title>
		<link>http://edbrophy.com/2010/09/30-year-mortgage-rates-drop-to-another-low/</link>
		<comments>http://edbrophy.com/2010/09/30-year-mortgage-rates-drop-to-another-low/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 15:01:58 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Interest Rates]]></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>
		<category><![CDATA[mortgage rates]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2282</guid>
		<description><![CDATA[The national, 30-year fixed-mortgage rate (FRM) slightly decreased from a week earlier, setting a new record low average of 4.26 percent. Regionally, 30-year rates vary, but the majority of states witnessed a deflation. Most large states saw a decline in rates: California&#8217;s current rate of 4.28% is down from 4.3% last week; Texas&#8217; at 4.23% [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MBA Report: 1 in 7 Homeowners Past Due or in Foreclosure</title>
		<link>http://edbrophy.com/2010/08/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/</link>
		<comments>http://edbrophy.com/2010/08/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 16:25:04 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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=2272</guid>
		<description><![CDATA[MBA Report: 1 in 7 Homeowners Past Due or in Foreclosure One in seven homeowners is past due on their mortgage or in foreclosure, according to the Mortgage Bankers Association&#8217;s latest report on home loan delinquencies. The report shows that mortgage delinquencies rose during the second quarter, and overall, one in seven borrowers is delinquent [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/2010/08/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Time Homebuyer Tax Credit May Return</title>
		<link>http://edbrophy.com/2010/08/first-time-homebuyer-tax-credit-may-return/</link>
		<comments>http://edbrophy.com/2010/08/first-time-homebuyer-tax-credit-may-return/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 16:13:46 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></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[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></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>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2263</guid>
		<description><![CDATA[First Time Homebuyer Tax Credit May Return Shaun Donovan, Secretary of Housing and Urban Development, said Sunday that the housing market&#8217;s July woes were &#8220;worse than expected&#8221; and that the administration may support a new homebuyer tax credit. In an interview on CNN, Donovan said the administration is &#8220;concerned&#8221; about the path of the industry. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Premium Increase Delayed</title>
		<link>http://edbrophy.com/2010/08/fha-premium-increase-delayed/</link>
		<comments>http://edbrophy.com/2010/08/fha-premium-increase-delayed/#comments</comments>
		<pubDate>Sun, 29 Aug 2010 21:45:53 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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=2255</guid>
		<description><![CDATA[The Federal Housing Administration (FHA) announced  it is pushing back the implementation date for new premium structures on FHA-insured mortgages to Oct. 4 from the original date of Sept. 7. Following FHA Commissioner David Stevens’ recent announcement that up-front premiums for FHA-insured mortgages would be reduced beginning Sept. 7 from 2.25 percent to 1 percent, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>For Sale: Palm Springs Andreas Hills Area</title>
		<link>http://edbrophy.com/2010/08/for-sale-palm-springss-andreas-hills-area/</link>
		<comments>http://edbrophy.com/2010/08/for-sale-palm-springss-andreas-hills-area/#comments</comments>
		<pubDate>Sat, 28 Aug 2010 07:14:57 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Hot Properties]]></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[home loans]]></category>
		<category><![CDATA[home mortgage]]></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[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2186</guid>
		<description><![CDATA[For Sale: Palm Springs Andreas Hills Area Offered below market at $299,900 Very spacious 2 bedroom/ 2 full bath condo in the Andreas Hills area. A private patio can be accessed from both the formal dining room and eating area in the kitchen. The kitchen has oak cabinetry with Corian countertops and wood flooring. The [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Six Reasons To Shop Around for Your Next Loan</title>
		<link>http://edbrophy.com/2010/08/six-reasons-to-shop-around-for-your-next-loan/</link>
		<comments>http://edbrophy.com/2010/08/six-reasons-to-shop-around-for-your-next-loan/#comments</comments>
		<pubDate>Sat, 28 Aug 2010 00:17:02 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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=2175</guid>
		<description><![CDATA[You wouldn’t buy a house without shopping around first, right? Then why would you commit to the loan you use to buy that house without making sure you’re getting the best deal possible? Here are six reasons why it’s essential to take a few minutes to browse before you borrow: 1. To get the best [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Military Basic Allowance for Housing Program</title>
		<link>http://edbrophy.com/2010/07/military-basic-allowance-for-housing-program/</link>
		<comments>http://edbrophy.com/2010/07/military-basic-allowance-for-housing-program/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 18:10:54 +0000</pubDate>
		<dc:creator>RStretch</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[BAH]]></category>
		<category><![CDATA[BAH calculator]]></category>
		<category><![CDATA[BAH rates]]></category>
		<category><![CDATA[BAH rates 2010]]></category>
		<category><![CDATA[Basic Allowance for Housing]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[military]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2167</guid>
		<description><![CDATA[Finding a place to live can sometimes be a difficult task for uniformed military men and women and their families. That’s why there’s the Basic Allowance for Housing Program, more commonly known as BAH.]]></description>
		<wfw:commentRss>http://edbrophy.com/2010/07/military-basic-allowance-for-housing-program/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Let&#8217;s Talk Mortgage Fraud</title>
		<link>http://edbrophy.com/2010/07/lets-talk-mortgage-fraud/</link>
		<comments>http://edbrophy.com/2010/07/lets-talk-mortgage-fraud/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 02:43:07 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Fraud]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2155</guid>
		<description><![CDATA[Recently I received a referral from a REALTOR partner, the client was looking to purchase an investment property but wanted to claim it as his primary residence so that he&#8217;d qualify for a lower interest rate (0.125% lower), and claim the California First Time Buyer Tax Credit.  Can you say mortgage and tax fraud? Committing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Jumbo Mortgage Rates Are Down</title>
		<link>http://edbrophy.com/2010/07/jumbo-mortgage-rates-are-down/</link>
		<comments>http://edbrophy.com/2010/07/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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rent or Buy A Home?</title>
		<link>http://edbrophy.com/2010/07/rent-or-buy-a-home/</link>
		<comments>http://edbrophy.com/2010/07/rent-or-buy-a-home/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 03:12:18 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[rent vs buy]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2125</guid>
		<description><![CDATA[First time home buyers have a lot to consider this summer when making the decision to rent or buy a home: interest rates are at all-time lows, there&#8217;s still plenty of housing stock and prices are at or near their lowest in years. Still, deciding whether to buy a home or rent an apartment can [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No-Cost vs No-Cash Mortgage</title>
		<link>http://edbrophy.com/2010/07/no-cost-vs-no-cash-mortgage/</link>
		<comments>http://edbrophy.com/2010/07/no-cost-vs-no-cash-mortgage/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 03:01:20 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2117</guid>
		<description><![CDATA[Getting a no-cost mortgage can provide you with a big financial benefit as a potential homeowner.  With most mortgages depending on the amount of the loan, you are going to have to pay somewhere between $4000 and $6000 in closing costs.  Obtaining a new mortgage is typically a very expensive proposition. However, with the no-cost [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Riverside County Homeowners Will Lower Property Tax Bills This Year</title>
		<link>http://edbrophy.com/2010/07/riverside-county-homeowners-will-lower-property-tax-bills-this-year/</link>
		<comments>http://edbrophy.com/2010/07/riverside-county-homeowners-will-lower-property-tax-bills-this-year/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 02:28:29 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Real Estate]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1999</guid>
		<description><![CDATA[Half of Riverside County&#8217;s homeowners will see their property tax bills shrink this year as the region&#8217;s weak housing market continues to weigh down home values, county officials said today. How much is your property worth?  According to officials with the County Assessors office this reduction in property value affects nearly 400,000 people in the [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/2010/07/riverside-county-homeowners-will-lower-property-tax-bills-this-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Changes Rules on Strategic Defualt</title>
		<link>http://edbrophy.com/2010/07/fannie-mae-changes-rules-on-strategic-defualt/</link>
		<comments>http://edbrophy.com/2010/07/fannie-mae-changes-rules-on-strategic-defualt/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 03:16:28 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1986</guid>
		<description><![CDATA[The good times are gone for residential mortgage defaulters in the U.S. Fannie Mae has just changed the rules of the game for people who walk from their home loans, better known as strategic loan defaults. The government-owned agency that backs up loans from lenders says it will lock out borrowers from getting a new [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seven Things You  Should Know About FHA Loans</title>
		<link>http://edbrophy.com/2010/07/seven-things-you-should-know-about-fha-loans/</link>
		<comments>http://edbrophy.com/2010/07/seven-things-you-should-know-about-fha-loans/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 16:07:23 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1979</guid>
		<description><![CDATA[We have seen home buyer interest in FHA loans go from practically zero three years ago to upwards of 87 percent today. Despite this rapid rise in popularity, many buyers still do not fully understand the benefits of these loans, and we believe it’s time to change that. 1. FHA Loans Are Not Only For [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners Likely to See an Increase in Monthly Mortgage Payments</title>
		<link>http://edbrophy.com/2010/06/homeowners-likely-to-see-an-increase-in-monthly-mortgage-payments/</link>
		<comments>http://edbrophy.com/2010/06/homeowners-likely-to-see-an-increase-in-monthly-mortgage-payments/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 15:47:09 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Mortgage]]></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[home purchase]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1969</guid>
		<description><![CDATA[Homeowners are likely to see an increase in their monthly mortgage payments if their current mortgage is insured by the Federal Housing Administration (FHA). FHA the primary source of mortgages for first-time homebuyers says it needs to increase fees  to stabilize its finances which have been depleted due to the foreclosure crisis.  FHA does not [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/2010/06/homeowners-likely-to-see-an-increase-in-monthly-mortgage-payments/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Summer Remodeling Ideas</title>
		<link>http://edbrophy.com/2010/06/summer-remodeling-ideas/</link>
		<comments>http://edbrophy.com/2010/06/summer-remodeling-ideas/#comments</comments>
		<pubDate>Sun, 27 Jun 2010 02:50:16 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Miscellaneous]]></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[firefighter]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></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[police officer]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[Summer Remodeling Ideas]]></category>
		<category><![CDATA[teacher]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1806</guid>
		<description><![CDATA[Summer Remodeling Ideas Other than vacations, summer is the time of the year most popular for home improvement. The long days and warm, sunny weather make a great time to work on repairs and renovations without much of the hassles and delays that rain and other elements bring. For this reason and more, a good [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Features to Highlight When Marketing Your Home for Sale this Summer</title>
		<link>http://edbrophy.com/2010/06/5-features-to-highlight-when-marketing-your-home-for-sale-this-summer/</link>
		<comments>http://edbrophy.com/2010/06/5-features-to-highlight-when-marketing-your-home-for-sale-this-summer/#comments</comments>
		<pubDate>Sat, 26 Jun 2010 02:28:11 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Marketing]]></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[firefighter]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></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[police officer]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[teacher]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1799</guid>
		<description><![CDATA[Five Features to Highlight When Marketing Your Home for Sale this Summer According to a recent survey by ZipRealty, there are some fairly distinctive “must-haves” and “deal-breakers” for home buyers in the current market. For sellers trying to compete in this tough housing market, these findings can help emphasize some of the best features in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Score Urban Legends Debunked</title>
		<link>http://edbrophy.com/2010/06/credit-score-urban-legends-debunked/</link>
		<comments>http://edbrophy.com/2010/06/credit-score-urban-legends-debunked/#comments</comments>
		<pubDate>Thu, 24 Jun 2010 20:24:41 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></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[firefighter]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></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[police officer]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[teacher]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1720</guid>
		<description><![CDATA[Credit Score Urban Legends Debunked When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans because credit scores are seemingly arbitrary numbersand credit reports are lengthy and unintelligible. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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