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	<title>Michigan Mortgage</title>
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	<link>http://www.lansingmimortgage.com</link>
	<description>Michigan Mortgage - Get The Advice You Deserve - Cornerstone Home Loans</description>
	<lastBuildDate>Fri, 30 Nov 2012 19:02:03 +0000</lastBuildDate>
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		<title>Let&#8217;s Not Tinker</title>
		<link>http://www.lansingmimortgage.com/lets-not-tinker.html</link>
		<comments>http://www.lansingmimortgage.com/lets-not-tinker.html#comments</comments>
		<pubDate>Fri, 30 Nov 2012 18:47:45 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1179</guid>
		<description><![CDATA[The 100-year-old homeowner&#8217;s tax deduction is on the block&#8230; Watch this video from Frank and Brian at the National Real Estate Post. I happen to think the current tax code with all of its deductions ought to be abolished and replaced with a sales tax or a flat tax or even just a tax on property [...]]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Lock in or wait it out?</title>
		<link>http://www.lansingmimortgage.com/lock-in-or-wait-it-out.html</link>
		<comments>http://www.lansingmimortgage.com/lock-in-or-wait-it-out.html#comments</comments>
		<pubDate>Tue, 26 Jun 2012 10:35:02 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Japanese candlesticks]]></category>
		<category><![CDATA[lock in]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[Why Bother Refinancing]]></category>
		<category><![CDATA[yields]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1158</guid>
		<description><![CDATA[This chart should be helpful for deciding whether or not to lock in an interest rate: The chart is tracking the PRICE OF BONDS – specifically the 3.5% Fannie Mae Coupon. And the trend is clearly up. Remember that when bond prices are UP, yields or RATES are down. This has been a positive trend [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/lock-in-or-wait-it-out.html/feed</wfw:commentRss>
		<slash:comments>72</slash:comments>
		</item>
		<item>
		<title>Glimmers of Housing Hope</title>
		<link>http://www.lansingmimortgage.com/glimmers-of-housing-hope.html</link>
		<comments>http://www.lansingmimortgage.com/glimmers-of-housing-hope.html#comments</comments>
		<pubDate>Mon, 10 Oct 2011 10:00:41 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[housing markets]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[markets]]></category>
		<category><![CDATA[nahb]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1114</guid>
		<description><![CDATA[Here’s some promising news: The National Association of Homebuilders Improving Markets Index nearly doubled this month. The NAHB’s IMI combines these three criteria: employment (from Bureau of Labor and Stats), housing price appreciation (Freddie Mac), and building permit activity (Census Bureau). The index measures metropolitan areas that have shown growth for at least six straight [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/glimmers-of-housing-hope.html/feed</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>It&#8217;s a Good Time to Jump In</title>
		<link>http://www.lansingmimortgage.com/new-home-investment-buyer.html</link>
		<comments>http://www.lansingmimortgage.com/new-home-investment-buyer.html#comments</comments>
		<pubDate>Wed, 21 Sep 2011 11:00:45 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1105</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/new-home-investment-buyer.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Tables are Turning</title>
		<link>http://www.lansingmimortgage.com/the-tables-are-turning-for-pure-michigan.html</link>
		<comments>http://www.lansingmimortgage.com/the-tables-are-turning-for-pure-michigan.html#comments</comments>
		<pubDate>Wed, 31 Aug 2011 21:09:35 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[Michigan]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1097</guid>
		<description><![CDATA[I took a call today from a Dave Ramsey listener who lives in Florida. She’s buying a second home here in Michigan. She loves the snow and the weather in the winter and never gets that in Florida. She misses it and wants to own something here in the North as a second home. After [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/the-tables-are-turning-for-pure-michigan.html/feed</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>Buy a Rental Property? Love the Idea!</title>
		<link>http://www.lansingmimortgage.com/buy-a-rental-property-love-the-idea.html</link>
		<comments>http://www.lansingmimortgage.com/buy-a-rental-property-love-the-idea.html#comments</comments>
		<pubDate>Tue, 16 Aug 2011 16:19:18 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Rental Homes]]></category>
		<category><![CDATA[rental property]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1089</guid>
		<description><![CDATA[A friend asked recently for my advice on buying a rental property&#8230; Hey Evan, This is a different note but what do you think about Heidi and I trying to get some of these really cheap houses right now, fixing them up a bit, and renting them out? We gross about $36,000 right now and [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/buy-a-rental-property-love-the-idea.html/feed</wfw:commentRss>
		<slash:comments>20</slash:comments>
		</item>
		<item>
		<title>GOOD ADVICE</title>
		<link>http://www.lansingmimortgage.com/good-advice.html</link>
		<comments>http://www.lansingmimortgage.com/good-advice.html#comments</comments>
		<pubDate>Wed, 10 Aug 2011 15:45:04 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[conventional loan]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[rural development]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1085</guid>
		<description><![CDATA[Evan, Can you finance a buyer who has only been out of a short sale for 2 years? Purchase price is $172,000 and 5% down. Clean credit except for short sale. Thanks! Jenna &#160; Hi Jenna, My first assumption is that with the short sale there were also late payments on that mortgage. If so, [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/good-advice.html/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Year of No Mortgage Payments?</title>
		<link>http://www.lansingmimortgage.com/a-year-of-no-mortgage-payments.html</link>
		<comments>http://www.lansingmimortgage.com/a-year-of-no-mortgage-payments.html#comments</comments>
		<pubDate>Wed, 13 Jul 2011 14:14:28 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[mortgage relief]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1079</guid>
		<description><![CDATA[This video is well done and illustrates why we don’t want the government fixing our housing problems. It would be a lot funnier if it weren&#8217;t real. After watching this video, resolve to stop voting for or promoting programs like these. They do not work]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/a-year-of-no-mortgage-payments.html/feed</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
		<item>
		<title>Now May Be a Good Time to Look at Your Interest Rate</title>
		<link>http://www.lansingmimortgage.com/now-may-be-a-good-time-to-look-at-your-interest-rate.html</link>
		<comments>http://www.lansingmimortgage.com/now-may-be-a-good-time-to-look-at-your-interest-rate.html#comments</comments>
		<pubDate>Tue, 05 Jul 2011 17:17:36 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Lansing MI mortgage]]></category>
		<category><![CDATA[Lansing Michigan]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1072</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/now-may-be-a-good-time-to-look-at-your-interest-rate.html/feed</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>MERS Lawsuit Fouls up Foreclosures</title>
		<link>http://www.lansingmimortgage.com/mers-lawsuit-fouls-up-foreclosures.html</link>
		<comments>http://www.lansingmimortgage.com/mers-lawsuit-fouls-up-foreclosures.html#comments</comments>
		<pubDate>Thu, 09 Jun 2011 12:27:40 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mers]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1068</guid>
		<description><![CDATA[Some foreclosures in Ingham County may have just gotten a lot more complicated. Last month the Michigan Court of Appeals ruled that Mortgage Electronic Registration Systems (MERS), a private company, did not have the right to use the state’s “Foreclosure by Advertisement” law to initiate foreclosures. MERS is an electronic registry that tracks servicing rights and [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/mers-lawsuit-fouls-up-foreclosures.html/feed</wfw:commentRss>
		<slash:comments>143</slash:comments>
		</item>
		<item>
		<title>Lemonade, Anyone?</title>
		<link>http://www.lansingmimortgage.com/lemonade-anyone.html</link>
		<comments>http://www.lansingmimortgage.com/lemonade-anyone.html#comments</comments>
		<pubDate>Tue, 07 Jun 2011 13:08:49 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=1059</guid>
		<description><![CDATA[Government looks to increase the FHA minimum down payment. Last month, on May 25th, in the House Financial Services committee meeting, the discussion resumed about increasing the minimum down payment requirement for FHA loans from 3.5% or $3500 on a $100,000 home to 5% or $5000 on a $100,000 home. This idea is gaining traction because FHA loan performance has [...]]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/lemonade-anyone.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Personal Story on Loan Modification</title>
		<link>http://www.lansingmimortgage.com/personal-story-on-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/personal-story-on-loan-modification.html#comments</comments>
		<pubDate>Tue, 19 Apr 2011 13:24:10 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[called lenders regularly]]></category>
		<category><![CDATA[keep fighting]]></category>
		<category><![CDATA[making monthly payments]]></category>
		<category><![CDATA[new normal]]></category>
		<category><![CDATA[refinancing in Michigan]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[standard of living]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=966</guid>
		<description><![CDATA[This last post on loan modification is my personal story on this topic.

It’s no secret to many of my good friends and clients that the years 2000 through 2006 were very good years for me as a mortgage broker. I was not one who wrote the high-interest-rate sub-prime loans, but even so, many were buying and selling and refinancing in Michigan during those years, and I was able to help many of them...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/personal-story-on-loan-modification.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Is Modification Like Stealing?</title>
		<link>http://www.lansingmimortgage.com/is-modification-like-stealing.html</link>
		<comments>http://www.lansingmimortgage.com/is-modification-like-stealing.html#comments</comments>
		<pubDate>Wed, 13 Apr 2011 17:31:14 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[honesty is the best policy]]></category>
		<category><![CDATA[loan modification story]]></category>
		<category><![CDATA[modifying your loan]]></category>
		<category><![CDATA[set of terms]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=964</guid>
		<description><![CDATA[One of my more introspective clients asked this question, and I appreciated it a great deal. He said that since he had agreed to borrow the money up front at a certain set of terms, that anything less than those terms could be considered stealing. Hmmm...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/is-modification-like-stealing.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Important Tips to Remember when Doing a Loan Modification</title>
		<link>http://www.lansingmimortgage.com/important-tips-to-remember-when-doing-a-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/important-tips-to-remember-when-doing-a-loan-modification.html#comments</comments>
		<pubDate>Tue, 05 Apr 2011 14:36:32 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[budget reductions]]></category>
		<category><![CDATA[loan modification denied]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[modification specialists]]></category>
		<category><![CDATA[review your paperwork]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=962</guid>
		<description><![CDATA[Run the numbers first. Know what would be a good scenario for you. Figure out what kind of budget reductions you can make first and then determine what kind of payment you need to make it work. Come up with one or two ways to get there...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/important-tips-to-remember-when-doing-a-loan-modification.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What Is the Process of Getting a loan Modification?</title>
		<link>http://www.lansingmimortgage.com/what-is-the-process-of-getting-a-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/what-is-the-process-of-getting-a-loan-modification.html#comments</comments>
		<pubDate>Mon, 28 Mar 2011 17:12:30 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[alternative to foreclosure]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[getting a loan modification]]></category>
		<category><![CDATA[loan counselor]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[trial periods]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=960</guid>
		<description><![CDATA[In the previous posts we’ve looked at loan modifications from a few different perspectives: the bank’s motivation, a big-picture definition, and a nuts-and-bolts, real-life example. Today I’ll lay out how to make it happen...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/what-is-the-process-of-getting-a-loan-modification.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How do Loan Modifications Work?</title>
		<link>http://www.lansingmimortgage.com/how-do-loan-modifications-work.html</link>
		<comments>http://www.lansingmimortgage.com/how-do-loan-modifications-work.html#comments</comments>
		<pubDate>Fri, 18 Mar 2011 14:57:38 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[achieve a lower payment]]></category>
		<category><![CDATA[ARM loan]]></category>
		<category><![CDATA[current interest rate]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[loan balance]]></category>
		<category><![CDATA[loan calculator]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan term]]></category>
		<category><![CDATA[reduce the interest rate]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=957</guid>
		<description><![CDATA[When looking into a loan modification it’s important to get a little refresher on personal finance. A simple loan calculator can help you. I would suggest playing around with your numbers before you contact your bank so that you have in mind one or two ways that a modification might help you...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/how-do-loan-modifications-work.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What is a Loan Modification?</title>
		<link>http://www.lansingmimortgage.com/what-is-a-loan-modification.html</link>
		<comments>http://www.lansingmimortgage.com/what-is-a-loan-modification.html#comments</comments>
		<pubDate>Thu, 10 Mar 2011 14:53:50 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[bank assets]]></category>
		<category><![CDATA[debt restructuring]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan performing well]]></category>
		<category><![CDATA[not a refinance]]></category>
		<category><![CDATA[refinance approved]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=955</guid>
		<description><![CDATA[A loan modification is not a refinance. There are few, if any, fees involved as a result, and no new mortgage is written. The existing mortgage is simply modified. The modification can be slight or it can be all-encompassing.

The main difference between loan mod’s and refi’s, however, has to do with qualifying. When you apply for a refinance the game is to look as strong as possible financially. The better you look the easier it is to get the refinance approved. The same goes with purchasing a new home...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/what-is-a-loan-modification.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Loan Modification &#8211; The End of the Road or Just the Road Less Traveled?</title>
		<link>http://www.lansingmimortgage.com/loan-modification-the-end-of-the-road-or-just-the-road-less-traveled.html</link>
		<comments>http://www.lansingmimortgage.com/loan-modification-the-end-of-the-road-or-just-the-road-less-traveled.html#comments</comments>
		<pubDate>Sat, 05 Mar 2011 18:47:31 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss loan]]></category>
		<category><![CDATA[refinancing home loans]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[Why Bother Refinancing]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=951</guid>
		<description><![CDATA[Why do Lenders Modify Loans?

Since we began working with Dave Ramsey’s listeners through our preferred partnership with Churchill Mortgage in November of 2009, I talk with no less than 100 families per month about refinancing their homes. For most, the call quickly becomes a math problem that essentially determines the cost and benefit of the loan and whether or not the person would be better off by simply adding money to their monthly payment and just paying it off more quickly on their own. Refinancing makes sense for some, and for others they should just keep doing what they are doing.

Sometimes though, it’s more complicated and difficult. Yesterday was one of those calls...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/loan-modification-the-end-of-the-road-or-just-the-road-less-traveled.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Now A Good Time To Buy A Home?</title>
		<link>http://www.lansingmimortgage.com/is-now-a-good-time-to-buy-a-home.html</link>
		<comments>http://www.lansingmimortgage.com/is-now-a-good-time-to-buy-a-home.html#comments</comments>
		<pubDate>Fri, 25 Feb 2011 00:16:42 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[15-year mortgage]]></category>
		<category><![CDATA[actual sale price of homes]]></category>
		<category><![CDATA[Case-Schiller RE Index]]></category>
		<category><![CDATA[markets are uncertain]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[real estate news]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=934</guid>
		<description><![CDATA[Everyone wants to know: are property values rising or are they declining?

The local real estate news shows that all but one of the cities surrounding Lansing reported an increase in the average actual sale price of homes this past year. That seems like good news.

Robert Schiller, the creator of the Case-Schiller RE Index, said today that all 30 cities he analyzes annually has declined over the past year and that we could see another 15% to 20% decline in the housing market before we reach the bottom! Another 15 to 20 percent...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/is-now-a-good-time-to-buy-a-home.html/feed</wfw:commentRss>
		<slash:comments>72</slash:comments>
		</item>
		<item>
		<title>Should I pay off my mortgage or not?!</title>
		<link>http://www.lansingmimortgage.com/should-i-pay-off-my-mortgage-or-not.html</link>
		<comments>http://www.lansingmimortgage.com/should-i-pay-off-my-mortgage-or-not.html#comments</comments>
		<pubDate>Mon, 07 Feb 2011 20:39:13 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Adjustable Rate Mortgages]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[accelerated mortgage payoff]]></category>
		<category><![CDATA[contentment]]></category>
		<category><![CDATA[done with payments]]></category>
		<category><![CDATA[eliminate a mortgage]]></category>
		<category><![CDATA[having less debt]]></category>
		<category><![CDATA[life happens]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage elimination]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[mortgage performance report card]]></category>
		<category><![CDATA[option ARM loan]]></category>
		<category><![CDATA[pay off a mortgage]]></category>
		<category><![CDATA[pay with cash]]></category>
		<category><![CDATA[paying off your mortgage]]></category>
		<category><![CDATA[peace of mind]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[presume upon the future]]></category>
		<category><![CDATA[unable to refinance]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=928</guid>
		<description><![CDATA[If I were a customer of mine today I would be asking my mortgage broker, “Hey, Evan! What happened? Why the change? Should I pay off my mortgage or not!?” I would be asking for an answer. I wouldn’t let me off the hook...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/should-i-pay-off-my-mortgage-or-not.html/feed</wfw:commentRss>
		<slash:comments>62</slash:comments>
		</item>
		<item>
		<title>VA Loan In 18 Days.</title>
		<link>http://www.lansingmimortgage.com/va-loan-in-18-days.html</link>
		<comments>http://www.lansingmimortgage.com/va-loan-in-18-days.html#comments</comments>
		<pubDate>Wed, 12 Jan 2011 14:01:29 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[clear to fund]]></category>
		<category><![CDATA[cleared home inspection]]></category>
		<category><![CDATA[home inspection contingency]]></category>
		<category><![CDATA[purchase contract]]></category>
		<category><![CDATA[real estate in Michigan]]></category>
		<category><![CDATA[VA loan]]></category>
		<category><![CDATA[write an offer]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=925</guid>
		<description><![CDATA[Can home purchases close quickly any more? The short answer is – yes.

Here’s the longer answer:

On the 10th of December I got the call from my client. The home they offered on last week passed inspection – need to get this closed. I asked what the expected date was and the client had forgotten “I think it’s yet this year,” she said.

Sure enough the purchase contract came over and the closing was to take place by the 31st. That would be 21 days from the day they cleared their home inspection...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/va-loan-in-18-days.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Negotiating with Sellers in Short Sales</title>
		<link>http://www.lansingmimortgage.com/negotiating-with-sellers-in-short-sales.html</link>
		<comments>http://www.lansingmimortgage.com/negotiating-with-sellers-in-short-sales.html#comments</comments>
		<pubDate>Wed, 05 Jan 2011 18:01:52 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[arm's length sale transaction]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[cash to closing]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[full foreclosure]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=923</guid>
		<description><![CDATA[Negotiating with sellers in a short sale is a lot like trying to talk the clerk at the DMV into handling your transaction without three forms of ID.

The two situations are similar on a few important levels...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/negotiating-with-sellers-in-short-sales.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>It Takes a Village to Close a Loan</title>
		<link>http://www.lansingmimortgage.com/it-takes-a-village-to-close-a-loan.html</link>
		<comments>http://www.lansingmimortgage.com/it-takes-a-village-to-close-a-loan.html#comments</comments>
		<pubDate>Thu, 23 Dec 2010 21:47:28 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[close a loan]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home mortgages]]></category>
		<category><![CDATA[verify employment]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=920</guid>
		<description><![CDATA[Are you still employed?

“The answer might be yes -- but if we can’t prove it three days before closing, we’re not closing next Monday”.  That’s what I had to tell a Michigan school teacher today when I learned that we were unable to reach any one in the HR office of her school district to verify her employment.]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/it-takes-a-village-to-close-a-loan.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Now.</title>
		<link>http://www.lansingmimortgage.com/now.html</link>
		<comments>http://www.lansingmimortgage.com/now.html#comments</comments>
		<pubDate>Wed, 22 Sep 2010 14:25:32 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[housing affordability index]]></category>
		<category><![CDATA[housing opportunity index]]></category>
		<category><![CDATA[Lansing Michigan]]></category>
		<category><![CDATA[national association of home builders]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=909</guid>
		<description><![CDATA[Despite the ups and (mostly) downs of the past few years, we’ve been saying all along that for many the time has never been better to take the plunge into home ownership. According to the latest data for 2nd quarter 2010, we’ve got even more reason for beating that drum...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/now.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Investing In Real Estate Still a Good Way to Become Wealthy?</title>
		<link>http://www.lansingmimortgage.com/is-investing-in-real-estate-still-a-good-way-to-become-wealthy.html</link>
		<comments>http://www.lansingmimortgage.com/is-investing-in-real-estate-still-a-good-way-to-become-wealthy.html#comments</comments>
		<pubDate>Fri, 17 Sep 2010 12:17:54 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Rental Homes]]></category>
		<category><![CDATA[equity line]]></category>
		<category><![CDATA[good investment]]></category>
		<category><![CDATA[prices of homes]]></category>
		<category><![CDATA[rate of return]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[real estate values]]></category>
		<category><![CDATA[upside-down mortgage]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=906</guid>
		<description><![CDATA[As my last post  indicated, many are afraid of what may be a reality in the real estate market – that the prices of homes may not rise much over the next decade or two.

The reasons cited include:

1.    Americans are too focused on de-leveraging—paying off their credit cards and their upside-down mortgage.
2.    Baby boomers are retiring and now with less money in their retirement accounts.  They will not continue to buy second homes and will live more frugally in the home they have.
3.    Young people are more transient than ever before and do not want to be tied down to a home and a mortgage and a job for 30 years.

These things could all be true and they could all be false. We don’t know. But let’s just say that it’s true and that we will see no rise in real-estate value for the next 20 years.

I still believe that being a real-estate investor is a great way to build real wealth in the long run. Here’s why...]]></description>
		<wfw:commentRss>http://www.lansingmimortgage.com/is-investing-in-real-estate-still-a-good-way-to-become-wealthy.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
