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	<title>Michigan Mortgage &#187; loan officer</title>
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	<link>http://www.lansingmimortgage.com</link>
	<description>Michigan Mortgage - Get The Advice You Deserve - Cornerstone Home Loans</description>
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		<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>
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		<slash:comments>1</slash:comments>
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		<title>Self Serving or True?</title>
		<link>http://www.lansingmimortgage.com/self-serving-or-true.html</link>
		<comments>http://www.lansingmimortgage.com/self-serving-or-true.html#comments</comments>
		<pubDate>Tue, 31 Aug 2010 13:26:14 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[cost shopping]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[mortgage bonds]]></category>
		<category><![CDATA[rate shopping]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=896</guid>
		<description><![CDATA[This post covers something I often think but rarely say because it sounds as though I am being very self serving.  But because blog readers are volunteers, I think this is the right medium in which to present it.

COST AND RATE SHOPPING...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Successful Home Ownership III &#8211; When Does it Make Sense to Take the Plunge?</title>
		<link>http://www.lansingmimortgage.com/successful-home-ownership-iii-when-does-it-make-sense-to-take-the-plunge.html</link>
		<comments>http://www.lansingmimortgage.com/successful-home-ownership-iii-when-does-it-make-sense-to-take-the-plunge.html#comments</comments>
		<pubDate>Fri, 18 Jun 2010 15:21:19 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[mortgage lender]]></category>
		<category><![CDATA[stable income]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=834</guid>
		<description><![CDATA[It’s easy to print the “regs” and find out from FHA or VA or Fannie Mae just what it takes for them to approve a loan for you. The rules and guidelines are very detailed but they’re understandable.

But did you know that I can approve a person whose gross (before taxes and all other withholdings) income is $60,000 per year for a $2500 house payment under the right list of conditions? That’s half the borrower’s income. The before tax income! In this case the person would have approximately $1200 left every month to pay all utilities, car insurance, life insurance, groceries, Christmas presents, etc. Not sure how this make sense, but FHA will do it – and with only 3.5% down.

Here are some helpful benchmarks to consider before trying to buy a home or make a move up into a more expensive home...]]></description>
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		<title>Successful Home Ownership I &#8211; &#8220;Qualify&#8221; vs. &#8220;Afford&#8221;</title>
		<link>http://www.lansingmimortgage.com/successful-home-ownership-i-qualify-vs-afford.html</link>
		<comments>http://www.lansingmimortgage.com/successful-home-ownership-i-qualify-vs-afford.html#comments</comments>
		<pubDate>Mon, 14 Jun 2010 14:46:46 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[Mortgage Details]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[making homes affordable]]></category>
		<category><![CDATA[qualify]]></category>
		<category><![CDATA[what can you afford]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=832</guid>
		<description><![CDATA[In my many appointments with hopeful homeowners to be and with those hoping to make a transition to another home or purchase a second home, I often draw a simple distinction between two words—qualify and afford.

The word qualify is my word. As the lender I need to make sure that I can “qualify” the borrower for the loan and ultimately the home that she wants.

The word afford is the customer’s word and is often ignored in the lending office. This is the process whereby the potential borrower determines what she is able to pay each month based on her income and other bills and lifestyle habits.

Let me give you an example of the conflict...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>TKO of the HVCC by the NAMB!!?</title>
		<link>http://www.lansingmimortgage.com/tko-of-the-hvcc-by-the-namb.html</link>
		<comments>http://www.lansingmimortgage.com/tko-of-the-hvcc-by-the-namb.html#comments</comments>
		<pubDate>Mon, 26 Oct 2009 17:55:31 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Lansing MI]]></category>
		<category><![CDATA[Lansing mortgage company]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Okemos]]></category>
		<category><![CDATA[Realtors]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=304</guid>
		<description><![CDATA[I have been holding on to this post for some time, but on Friday, the subcommittee working on House Bill HR3126 approved it in committee.  This bill contains something better than we have all been hoping for regarding HVCC and its heading for the full House of Representatives.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Folly of the Reg Z Exemption</title>
		<link>http://www.lansingmimortgage.com/the-folly-of-the-reg-z-exemption.html</link>
		<comments>http://www.lansingmimortgage.com/the-folly-of-the-reg-z-exemption.html#comments</comments>
		<pubDate>Tue, 08 Sep 2009 23:45:10 +0000</pubDate>
		<dc:creator>Evan Vanderwey</dc:creator>
				<category><![CDATA[Lansing Mortgage]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Lansing mortgage]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Okemos mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[Reg Z]]></category>
		<category><![CDATA[truth in lending act]]></category>

		<guid isPermaLink="false">http://www.lansingmimortgage.com/?p=170</guid>
		<description><![CDATA[There’s an interesting pair of verses in the book of Proverbs. They go like this:  “Answer not a fool according to his folly, lest you be like him yourself.” Then right after that we read, “Answer a fool according to his folly, lest he be wise in his own eyes.” This is no contradiction...]]></description>
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		<slash:comments>3</slash:comments>
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