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	<title>Raleigh Mortgage Gals</title>
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	<link>http://raleighmortgagegals.com</link>
	<description>No BS Insider Information on FICO Credit Scores, Buying/Selling Home and the World of Mortgages</description>
	<lastBuildDate>Mon, 17 Jun 2013 16:08:33 +0000</lastBuildDate>
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		<title>Calculate How Much House You Can Afford &amp; Avoid this Pitfall</title>
		<link>http://raleighmortgagegals.com/calculate-how-much-house-you-can-afford-avoid-this-pitfall/</link>
		<comments>http://raleighmortgagegals.com/calculate-how-much-house-you-can-afford-avoid-this-pitfall/#comments</comments>
		<pubDate>Mon, 17 Jun 2013 16:05:45 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2341</guid>
		<description><![CDATA[Bryan and Ashley decided they wanted to own their own home.  “To the web” was their battle cry.  They were overwhelmed with choices.  What next? Having just moved to Raleigh they lived with Ashley’s dad.  He said “Calculate how much house you can afford &#38; avoid this pitfall.”  Bryan could figure out how much they [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Homeowner Refuse Full-Price Offer?</title>
		<link>http://raleighmortgagegals.com/can-homeowner-refuse-full-price-offer/</link>
		<comments>http://raleighmortgagegals.com/can-homeowner-refuse-full-price-offer/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 16:18:34 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2336</guid>
		<description><![CDATA[“My whole family fell in love with this house so we offered the asking price.  Seller rejected our offer.  Can homeowner refuse full-price offer? “We have been looking for months.  When we found this house we all knew we wanted to live in this house in this neighborhood.  Can he legally say no?  We’re giving [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/can-homeowner-refuse-full-price-offer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Season Your Cash When Applying for a Mortgage</title>
		<link>http://raleighmortgagegals.com/season-your-cash-when-applying-for-a-mortgage/</link>
		<comments>http://raleighmortgagegals.com/season-your-cash-when-applying-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 16:07:25 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2333</guid>
		<description><![CDATA[What’s meant by “Season your cash when applying for a mortgage?”  Cash is cash, right?  Not right.  The bursting of the real estate bubble changed that. “But” you say “I know this guy who bought a house for cash and nobody asked him to season any cash.  What is ‘seasoning’ anyway? They call it seasoning [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/season-your-cash-when-applying-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can a 401k be used to buy a house?</title>
		<link>http://raleighmortgagegals.com/can-a-401k-be-used-to-buy-a-house/</link>
		<comments>http://raleighmortgagegals.com/can-a-401k-be-used-to-buy-a-house/#comments</comments>
		<pubDate>Thu, 06 Jun 2013 18:32:08 +0000</pubDate>
		<dc:creator>Gilles</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2324</guid>
		<description><![CDATA[Can a 401k be used to buy a house? Mortgage approvals often require borrowers to show they have cash, credit and financial stability.  Can a 401k be used to buy a house? Much is written about FICO credit scores; less is written about cash needed when a home is purchased and even less is written [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>June 2013 Raleigh Real Estate Market Favors Who Now?</title>
		<link>http://raleighmortgagegals.com/june-2013-raleigh-real-estate-market-favors-who-now/</link>
		<comments>http://raleighmortgagegals.com/june-2013-raleigh-real-estate-market-favors-who-now/#comments</comments>
		<pubDate>Mon, 03 Jun 2013 15:29:36 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2314</guid>
		<description><![CDATA[Who does Raleigh real estate market favor in June 2013 –buyer or seller?  Media sound bites are normally national in scope.   Here’s Raleigh, NC trends. What are media comments based on?  In my experience, it&#8217;s usually a comparison between the current month and the prior month or the current month compared with the same month [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/june-2013-raleigh-real-estate-market-favors-who-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seller Financing</title>
		<link>http://raleighmortgagegals.com/seller-financing/</link>
		<comments>http://raleighmortgagegals.com/seller-financing/#comments</comments>
		<pubDate>Thu, 30 May 2013 16:28:46 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2308</guid>
		<description><![CDATA[Who benefits from seller financing?  What are the benefits?  Are there obstacles / risks?  Do the benefits outweigh the obstacles / risks?  Let’s take a look. I had lunch with an attorney.  We’ll call her Legal Eagle (name withheld by request).  We discussed benefits, types of financing, how it works and tips for reducing risk.  [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/seller-financing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Secret to Attracting Buyers when Selling Your Home</title>
		<link>http://raleighmortgagegals.com/secret-to-attracting-buyers-when-selling-your-home/</link>
		<comments>http://raleighmortgagegals.com/secret-to-attracting-buyers-when-selling-your-home/#comments</comments>
		<pubDate>Thu, 23 May 2013 16:54:37 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2300</guid>
		<description><![CDATA[What’s the secret to attracting buyers when selling your home?  No, it’s not granite countertops.  Shrink Margaret E. Allen reveals reason why. Margaret and I were having coffee and the conversation strayed to attracting buyers.  She was researching this topic for a talk she was scheduled to give the following month.  Old time marketers believed [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/secret-to-attracting-buyers-when-selling-your-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Benefit Requirements on HARP Loans</title>
		<link>http://raleighmortgagegals.com/benefit-requirements-on-harp-loans/</link>
		<comments>http://raleighmortgagegals.com/benefit-requirements-on-harp-loans/#comments</comments>
		<pubDate>Mon, 20 May 2013 16:31:48 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2289</guid>
		<description><![CDATA[To protect upside down borrowers, loan officers must make sure they meet certain benefit requirements on HARP loans.  What’s this mean to you? It means that as a mortgage loan officer, and I can’t just do a HARP loan to earn a payday for myself.  I must be able to prove that you, the borrower, [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/benefit-requirements-on-harp-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Purpose of Credit Scores</title>
		<link>http://raleighmortgagegals.com/purpose-of-credit-scores/</link>
		<comments>http://raleighmortgagegals.com/purpose-of-credit-scores/#comments</comments>
		<pubDate>Thu, 16 May 2013 16:13:54 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2286</guid>
		<description><![CDATA[What is the purpose of credit scores?  Most believe it’s a grade or report card.  Credit insiders have a totally different view.  Does this impact your life? You bet it does.  Credit insiders (providers of credit information and lenders) don’t see credit scores as a ‘grade’ on our past.  Yes, current and past data is [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/purpose-of-credit-scores/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Many Credit Scores Do I Have Anyway?</title>
		<link>http://raleighmortgagegals.com/how-many-credit-scores-do-i-have-anyway/</link>
		<comments>http://raleighmortgagegals.com/how-many-credit-scores-do-i-have-anyway/#comments</comments>
		<pubDate>Mon, 13 May 2013 18:18:05 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2260</guid>
		<description><![CDATA[As a loan officer I get this question often:  “How many credit scores do I have anyway?”  A straightforward question.  Answer a bit complicated. To be frank I don’t know the correct answer.  Since I deal in mortgages my world revolves around FICO scores.  As a result I will limit my answer to FICO scores.  [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/how-many-credit-scores-do-i-have-anyway/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Impact of Underwater/Upside Down Mortgages</title>
		<link>http://raleighmortgagegals.com/impact-of-underwaterupside-down-mortgages/</link>
		<comments>http://raleighmortgagegals.com/impact-of-underwaterupside-down-mortgages/#comments</comments>
		<pubDate>Mon, 06 May 2013 19:00:07 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2257</guid>
		<description><![CDATA[Good news on real estate market these days.  Does this mean the housing crisis is over?  Or will impact of underwater/upside down mortgages derail the market? Buyers are entering the market at a faster pace than sellers.  Price trends show prices are rising.  Interest rates seem like they will stay low for a while.  Things [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/impact-of-underwaterupside-down-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Writing Offer With Short Expiration Can Be A Good Thing</title>
		<link>http://raleighmortgagegals.com/why-writing-offer-with-short-expiration-can-be-a-good-thing/</link>
		<comments>http://raleighmortgagegals.com/why-writing-offer-with-short-expiration-can-be-a-good-thing/#comments</comments>
		<pubDate>Thu, 02 May 2013 16:33:20 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2253</guid>
		<description><![CDATA[An idea on making offers worthy of consideration.  Brian Robertson explores a strategy that could save you thousands.  I invite you to check it out. As a rule, most buyers like to write offers that give the seller adequate time to review and discuss either accepting or countering.  There are times when giving the seller [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/why-writing-offer-with-short-expiration-can-be-a-good-thing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Foreclosure &#8211; Get Loan Modification &#8211; 100% Guarantee</title>
		<link>http://raleighmortgagegals.com/stop-foreclosure-get-loan-modification-100-guarantee/</link>
		<comments>http://raleighmortgagegals.com/stop-foreclosure-get-loan-modification-100-guarantee/#comments</comments>
		<pubDate>Mon, 29 Apr 2013 21:12:18 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2226</guid>
		<description><![CDATA[Keep your home.  Stop foreclosure &#8211; get loan modification &#8211; 100% guarantee.  We have special relationships with banks to speed up the process.  Learn more. Over 90% of our clients receive relief.  We’re affiliated with the government.  Can you resist such an offer?  Should you?  What do you have to lose?  More than you think. [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/stop-foreclosure-get-loan-modification-100-guarantee/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinance Investment Property to Capture Appreciation</title>
		<link>http://raleighmortgagegals.com/refinance-investment-property-to-capture-appreciation/</link>
		<comments>http://raleighmortgagegals.com/refinance-investment-property-to-capture-appreciation/#comments</comments>
		<pubDate>Thu, 25 Apr 2013 21:30:58 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2219</guid>
		<description><![CDATA[“How soon can you refinance investment property to capture appreciation?” This is an important question when you put your own money into investment real estate. I was having lunch with Leslie.  She was doing well and she started investing in single family residential real estate.  Over coffee she picked my brain.  She bought a house [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/refinance-investment-property-to-capture-appreciation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Application Credit Mistakes in North Carolina</title>
		<link>http://raleighmortgagegals.com/mortgage-application-credit-mistakes-in-north-carolina/</link>
		<comments>http://raleighmortgagegals.com/mortgage-application-credit-mistakes-in-north-carolina/#comments</comments>
		<pubDate>Tue, 23 Apr 2013 17:16:25 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2197</guid>
		<description><![CDATA[Avoid these mortgage application mistakes in North Carolina.  Prepare for a mortgage applications six months in advance advisors say, but there are risks. Doing the ‘right thing’ can cost you.  Steps taken to ‘improve’ your FICO credit score can actually lower it.  How can this be?  Learn from mistakes made by this couple. Carmen and [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/mortgage-application-credit-mistakes-in-north-carolina/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Home: What You Should Offer in Raleigh &#8211; April 2013</title>
		<link>http://raleighmortgagegals.com/buying-home-what-you-should-offer-in-raleigh-april-2013/</link>
		<comments>http://raleighmortgagegals.com/buying-home-what-you-should-offer-in-raleigh-april-2013/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 15:53:29 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2190</guid>
		<description><![CDATA[You found a house you want to own, what’s next?  A difficult decision faces aspiring home buyers.  Nobody pays sticker price, but how do you know what to offer? In real estate negotiation is still expected.  Even if you’re a repeat buyer, it’s been years since you last purchased a home.  This doesn’t inspire confidence [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/buying-home-what-you-should-offer-in-raleigh-april-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Credit Card and Social Security Numbers on the Internet</title>
		<link>http://raleighmortgagegals.com/your-credit-card-and-social-security-numbers-on-the-internet/</link>
		<comments>http://raleighmortgagegals.com/your-credit-card-and-social-security-numbers-on-the-internet/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 16:20:17 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2185</guid>
		<description><![CDATA[Is your credit card and social security numbers on the internet, they most likely are.  Is it identity theft?  You decide.  I’ll name two websites. The red light was on; I had a message.  Caller didn’t identify herself.  I did a reverse number lookup and got more than I bargained for.  There for the world [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/your-credit-card-and-social-security-numbers-on-the-internet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Increase in FHA Mortgage Insurance Good for Housing Market?</title>
		<link>http://raleighmortgagegals.com/increase-in-fha-mortgage-insurance-good-for-housing-market/</link>
		<comments>http://raleighmortgagegals.com/increase-in-fha-mortgage-insurance-good-for-housing-market/#comments</comments>
		<pubDate>Thu, 11 Apr 2013 16:19:39 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Housing Market]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2178</guid>
		<description><![CDATA[Increase in FHA mortgage insurance good for housing market? A loud NO is heard.  Is there a silver lining?  Let’s review changes and the silver lining question. FHA charges both an upfront fee (normally financed) and annual premiums (paid monthly).  Upfront fee not changing.  FHA revision increases the annual premium and how long it must [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I Ever Buy a Home Again After a Financial Disaster?</title>
		<link>http://raleighmortgagegals.com/can-i-ever-buy-a-home-again-after-a-financial-disaster/</link>
		<comments>http://raleighmortgagegals.com/can-i-ever-buy-a-home-again-after-a-financial-disaster/#comments</comments>
		<pubDate>Mon, 08 Apr 2013 21:31:40 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2175</guid>
		<description><![CDATA[Can I ever buy a home again after a financial disaster (bankruptcy, short sale, foreclosure)?  Millions of Americans ask this question and yes is the answer. The biggest second question is ‘when?’  Government rules and regulations plus the complex requirements of the mortgage market don’t lend themselves to a one answer fits answer.  Here’s a [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/can-i-ever-buy-a-home-again-after-a-financial-disaster/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Condition of Housing Market Today April 2013</title>
		<link>http://raleighmortgagegals.com/condition-of-housing-market-today-april-2013/</link>
		<comments>http://raleighmortgagegals.com/condition-of-housing-market-today-april-2013/#comments</comments>
		<pubDate>Thu, 04 Apr 2013 18:07:34 +0000</pubDate>
		<dc:creator>Gilles</dc:creator>
				<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2167</guid>
		<description><![CDATA[What is the condition of housing market today?  Let’s peel back the headlines and look at the numbers including some of the less-reported figures S&#38;P/Case-Shiller-Home Price Indices:  Probably the most quoted source quoted by the media just reported that home prices rose 6.2% in the last 12 months with most gains occurring last summer.  Prices [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/condition-of-housing-market-today-april-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>22 Stupidest Mortgage Underwriting Conditions</title>
		<link>http://raleighmortgagegals.com/22-stupidest-mortgage-underwriting-conditions/</link>
		<comments>http://raleighmortgagegals.com/22-stupidest-mortgage-underwriting-conditions/#comments</comments>
		<pubDate>Mon, 01 Apr 2013 16:02:55 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2159</guid>
		<description><![CDATA[April Fool’s Days seems like good day to bring you the 22 Stupidest Mortgage underwriting conditions.  Though not funny at the time, they are now. An underwriter (person who approves/disapproves) reviews a mortgage loan application.  Often they will say “I’ll approve this loan when the following condition is met.”  My friend Karen collected real conditions [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/22-stupidest-mortgage-underwriting-conditions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Return on Investment Trap of Kitchen Upgrade</title>
		<link>http://raleighmortgagegals.com/return-on-investment-trap-of-kitchen-upgrade/</link>
		<comments>http://raleighmortgagegals.com/return-on-investment-trap-of-kitchen-upgrade/#comments</comments>
		<pubDate>Mon, 25 Mar 2013 16:04:24 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2156</guid>
		<description><![CDATA[“Beware of the return on investment trap of kitchen upgrade” advised Angela.  There’s also a hidden opportunity she said.  Which applies to you? According to Remodeling website, you can expect to recoup 60 &#8211; 70% of your costs should you remodel your kitchen in Raleigh North Carolina.  Just make sure you avoid the trap Let’s [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/return-on-investment-trap-of-kitchen-upgrade/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sequestration: Raleigh Real Estate to Take Hit</title>
		<link>http://raleighmortgagegals.com/sequestration-raleigh-real-estate-to-take-hit/</link>
		<comments>http://raleighmortgagegals.com/sequestration-raleigh-real-estate-to-take-hit/#comments</comments>
		<pubDate>Thu, 21 Mar 2013 20:54:48 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2151</guid>
		<description><![CDATA[This will happen with sequestration:  Raleigh real estate to take hit.  Doesn’t sound like I’m hedging does it?  So brace yourself. No, Washington isn’t targeting Raleigh.  To varying degrees real estate will suffer nationwide.  How can I be so sure?  Because the average Joe needs a mortgage to buy a house.  Sequestration will have negative [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/sequestration-raleigh-real-estate-to-take-hit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Muck Up the Mortgage Closing Date</title>
		<link>http://raleighmortgagegals.com/how-to-muck-up-the-mortgage-closing-date/</link>
		<comments>http://raleighmortgagegals.com/how-to-muck-up-the-mortgage-closing-date/#comments</comments>
		<pubDate>Mon, 18 Mar 2013 16:37:39 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2148</guid>
		<description><![CDATA[Seller said no to buyers moving in prior to mortgage closing date.  Buyer wanted to move in before school started but were they about to make a big mistake. Richard and Lynn led busy lives.  Cramming as much in a day as possible defined their way of life.  It seemed normal to them to ‘fit [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/how-to-muck-up-the-mortgage-closing-date/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Rent vs Buy?  The Magical Lease Story</title>
		<link>http://raleighmortgagegals.com/rent-vs-buy-the-magical-lease-story/</link>
		<comments>http://raleighmortgagegals.com/rent-vs-buy-the-magical-lease-story/#comments</comments>
		<pubDate>Thu, 14 Mar 2013 23:07:53 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2143</guid>
		<description><![CDATA[We are entering the land of rent vs buy.  Our first stop a rental house owned by Rod Serling (Twilight Zone fame).  Rod made 2 offers.  Which would you choose? Rod offered choice of two leases.  One with standard terms and the Magical Lease.  Intrigued we asked for details.  Our curiosity wanted to know more [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/rent-vs-buy-the-magical-lease-story/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Insufficient Credit File Mean You Have Bad Credit?</title>
		<link>http://raleighmortgagegals.com/does-insufficient-credit-file-mean-you-have-bad-credit/</link>
		<comments>http://raleighmortgagegals.com/does-insufficient-credit-file-mean-you-have-bad-credit/#comments</comments>
		<pubDate>Mon, 11 Mar 2013 21:36:58 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2138</guid>
		<description><![CDATA[Mortgage application denied.  Insufficient credit file cited as the reason.  This couldn’t mean she had bad credit could it?  She was baffled. Evelyn was quite the successful career women.  She worked for a major corporation and made very good money.  She had credit and always paid on time.  Always.  Why couldn’t she buy a house? [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/does-insufficient-credit-file-mean-you-have-bad-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Inquiries Impact on Your Fico Score</title>
		<link>http://raleighmortgagegals.com/credit-inquiries-impact-on-your-fico-score/</link>
		<comments>http://raleighmortgagegals.com/credit-inquiries-impact-on-your-fico-score/#comments</comments>
		<pubDate>Thu, 07 Mar 2013 22:19:00 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2133</guid>
		<description><![CDATA[What impact do credit inquiries have on your FICO credit score?  Duane feels confused.  Not everyone tells him the same thing.  Who is right? It could be everyone is right.  FICO changed how they handle inquiries a number of times over the years.  What was ‘right’ a few years ago could have changed.  What is [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/credit-inquiries-impact-on-your-fico-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March 2013 Raleigh Real Estate Market Favors Who Now?</title>
		<link>http://raleighmortgagegals.com/march-2013-raleigh-real-estate-market-favors-who-now/</link>
		<comments>http://raleighmortgagegals.com/march-2013-raleigh-real-estate-market-favors-who-now/#comments</comments>
		<pubDate>Mon, 04 Mar 2013 17:43:34 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2130</guid>
		<description><![CDATA[Who does Raleigh real estate market favor in March 2013 –buyer or seller?  Media sound bites are normally national in scope.   Here’s Raleigh, NC trends. What are media comments based on?  In my experience, it&#8217;s usually a comparison between the current month and the prior month or the current month compared with the same month [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/march-2013-raleigh-real-estate-market-favors-who-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financing a House is Different than Buying a Loaf of Bread</title>
		<link>http://raleighmortgagegals.com/financing-a-house-is-different-than-buying-a-loaf-of-bread/</link>
		<comments>http://raleighmortgagegals.com/financing-a-house-is-different-than-buying-a-loaf-of-bread/#comments</comments>
		<pubDate>Thu, 28 Feb 2013 21:35:37 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2127</guid>
		<description><![CDATA[“Financing a house is different than buying a loaf of bread!” he barked when mom and I were looking at houses on the internet.  Father was subtle like that. I tend to get defensive when he does that.  I quickly told him that Ted and I had good jobs and our credit was good.  “That [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/financing-a-house-is-different-than-buying-a-loaf-of-bread/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ID Theft and Children</title>
		<link>http://raleighmortgagegals.com/id-theft-and-children/</link>
		<comments>http://raleighmortgagegals.com/id-theft-and-children/#comments</comments>
		<pubDate>Mon, 25 Feb 2013 17:45:46 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2111</guid>
		<description><![CDATA[ID theft and children?  They have no money.  They have no credit.  So why?  There are unique reasons.  Can you protect your children for free?  Learn more here… Richard Power, Distinguished Fellow at Carnegie Mellon CyLab published a study that revealed 10.2% of children in his study were targets.  Adults targeted only 0.2% of the [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/id-theft-and-children/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Application with 815 Credit Score Rejected &#8211; Why?</title>
		<link>http://raleighmortgagegals.com/mortgage-application-with-815-credit-score-rejected-why/</link>
		<comments>http://raleighmortgagegals.com/mortgage-application-with-815-credit-score-rejected-why/#comments</comments>
		<pubDate>Mon, 18 Feb 2013 17:32:47 +0000</pubDate>
		<dc:creator>Gilles</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2107</guid>
		<description><![CDATA[When you think you’ve seen everything an underwriter rejects mortgage application of borrower with an 815 FICO credit score.  The reason will surprise you. This will never happen to you.  So, other than being curious, why should you read this?  Because Ed’s story points out that approval of mortgage applications goes beyond credit scores, dependable [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/mortgage-application-with-815-credit-score-rejected-why/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Mortgage Payment Shock Fatal?</title>
		<link>http://raleighmortgagegals.com/is-mortgage-payment-shock-fatal/</link>
		<comments>http://raleighmortgagegals.com/is-mortgage-payment-shock-fatal/#comments</comments>
		<pubDate>Thu, 14 Feb 2013 17:54:18 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2102</guid>
		<description><![CDATA[Being zapped by mortgage payment shock made Isaac a very unhappy camper.  He let the messenger (me) know about it in no uncertain terms.  Can anything be done? Isaac made good money for a guy his age.  His employer was growing and the future looked bright.  He thought a mortgage would be automatic.  Heck I [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/is-mortgage-payment-shock-fatal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pay Credit Cards or Collections First?</title>
		<link>http://raleighmortgagegals.com/pay-credit-cards-or-collections-first/</link>
		<comments>http://raleighmortgagegals.com/pay-credit-cards-or-collections-first/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 17:07:19 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2100</guid>
		<description><![CDATA[Raleigh – Pay credit cards or collections first common question of people who want to fix their credit score.  But another question needs an answer first. Linda and Billy recently asked me that question.  My first question was why they want to improve their credit.  They wanted to buy a house.  I’m not a credit [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/pay-credit-cards-or-collections-first/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Track Raleigh’s Home Price Trends Today – February 2013</title>
		<link>http://raleighmortgagegals.com/track-raleighs-home-price-trends-today-february-2013/</link>
		<comments>http://raleighmortgagegals.com/track-raleighs-home-price-trends-today-february-2013/#comments</comments>
		<pubDate>Thu, 07 Feb 2013 17:20:01 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2096</guid>
		<description><![CDATA[When you want to know if home prices are going up or down, does news media provide information you need?  Not really.  Their data is national in scope. National real estate data does not reflect what’s happening in your local market.  That’s why this analysis of price trends is strictly local. Another limit to real [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/track-raleighs-home-price-trends-today-february-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Strategic Default on Underwater Home Unleashes Devil’s Wrath</title>
		<link>http://raleighmortgagegals.com/strategic-default-on-underwater-home-unleashes-devils-wrath/</link>
		<comments>http://raleighmortgagegals.com/strategic-default-on-underwater-home-unleashes-devils-wrath/#comments</comments>
		<pubDate>Mon, 04 Feb 2013 17:44:51 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2092</guid>
		<description><![CDATA[Raleigh.  Strategic default on underwater home unleashes nightmare.  What one man learned.  How could he have protected himself? Slick had it all worked out.  He had a plan.  He would land on his feet and the bank would take the loss on his house.  What went wrong?  What should he have done? Let’s rewind.  Success [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/strategic-default-on-underwater-home-unleashes-devils-wrath/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Be Careful I Kiss and Tell</title>
		<link>http://raleighmortgagegals.com/be-careful-i-kiss-and-tell/</link>
		<comments>http://raleighmortgagegals.com/be-careful-i-kiss-and-tell/#comments</comments>
		<pubDate>Thu, 31 Jan 2013 18:15:30 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2089</guid>
		<description><![CDATA[Raleigh.  Arthur and Dorothy (Dot) loved cruising neighborhoods and open houses in search of their dream home.  Were they about to make a very costly mistake? They found a house.  Talk about curb appeal – this house had it in spades!  They called the number on the sign.  The agent’s office was nearby and she [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/be-careful-i-kiss-and-tell/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Special Gotcha on VA Home Loans</title>
		<link>http://raleighmortgagegals.com/special-gotcha-on-va-home-loans/</link>
		<comments>http://raleighmortgagegals.com/special-gotcha-on-va-home-loans/#comments</comments>
		<pubDate>Mon, 28 Jan 2013 17:26:44 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2083</guid>
		<description><![CDATA[Raleigh.  Ruth, a veteran, applied for a VA home loan.  She and her husband had FICO scores over 700.  Yet mortgage was denied due to this special gotcha. No other mortgage program has this requirement.  It applies only to VA Home Loan Guarantee Program.  Blindsided Ruth started asking questions.  She was the type of person [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/special-gotcha-on-va-home-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the Heck is a Pocket Listing?</title>
		<link>http://raleighmortgagegals.com/what-the-heck-is-a-pocket-listing/</link>
		<comments>http://raleighmortgagegals.com/what-the-heck-is-a-pocket-listing/#comments</comments>
		<pubDate>Thu, 24 Jan 2013 22:07:27 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2079</guid>
		<description><![CDATA[Raleigh.  “I hired this clown to sell my house and he did nothing.  He didn’t even list the house in the MLS.”  Don’t let this happen to you. Charles and Aileen hired a real estate agent to sell their home.  They had a nice home in a popular neighborhood.  They lived apart.  They agreed to [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/what-the-heck-is-a-pocket-listing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Tips for Buying House Now</title>
		<link>http://raleighmortgagegals.com/credit-tips-for-buying-house-now/</link>
		<comments>http://raleighmortgagegals.com/credit-tips-for-buying-house-now/#comments</comments>
		<pubDate>Mon, 21 Jan 2013 18:24:56 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2077</guid>
		<description><![CDATA[Raleigh.  Overwhelmed with credit repair info?  What should you do?  Hire a credit repair company?  Can I provide tips on what to do?  Yes, here’s key info. Tina and Fred want a house now.  They’re planning on hiring a credit repair company.  Should they?  The short answer:  No.  They improved Fred’s cousin’s FICO score, so [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/credit-tips-for-buying-house-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips: How Much to Offer When Buying House – January 2013</title>
		<link>http://raleighmortgagegals.com/tips-how-much-to-offer-when-buying-house-january-2013/</link>
		<comments>http://raleighmortgagegals.com/tips-how-much-to-offer-when-buying-house-january-2013/#comments</comments>
		<pubDate>Thu, 17 Jan 2013 17:36:07 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2073</guid>
		<description><![CDATA[You found a house you want to own, what’s next?  A difficult decision faces aspiring home buyers.  Nobody pays sticker price, but how do you know what to offer? In real estate negotiation is still expected.  Even if you’re a repeat buyer, it’s been years since you last purchased a home.  This doesn’t inspire confidence [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/tips-how-much-to-offer-when-buying-house-january-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Hidden Villain Killing Your Home’s Sale?</title>
		<link>http://raleighmortgagegals.com/is-hidden-villain-killing-your-homes-sale/</link>
		<comments>http://raleighmortgagegals.com/is-hidden-villain-killing-your-homes-sale/#comments</comments>
		<pubDate>Mon, 14 Jan 2013 23:55:10 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2071</guid>
		<description><![CDATA[Raleigh.  Location, location, location drew people to the house.  Goal is to sell the house not show it.  No offers.  No clue as to why either.  What’s next? Enthusiasm had turned to self-doubt.  Milton and Louise were bright, educated people with a great house in a neighborhood in high demand.  Seven and a half months [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/is-hidden-villain-killing-your-homes-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Long Will it Take to Sell Your Home?  Raleigh Jan. 2013</title>
		<link>http://raleighmortgagegals.com/how-long-will-it-take-to-sell-your-home-raleigh-jan-2013/</link>
		<comments>http://raleighmortgagegals.com/how-long-will-it-take-to-sell-your-home-raleigh-jan-2013/#comments</comments>
		<pubDate>Mon, 07 Jan 2013 17:12:12 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2061</guid>
		<description><![CDATA[Does media provide feel for how long it’ll take you to sell your home?  Not really since data is national in scope.  Here’s 2-year trend specific for Raleigh. When we put our home for sale, we’re ready for the buyer to pull to the curb money in hand and make an offer.  Unfortunately, buying/selling real [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/how-long-will-it-take-to-sell-your-home-raleigh-jan-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Get Your VA Certificate of Eligibility</title>
		<link>http://raleighmortgagegals.com/how-to-get-your-va-certificate-of-eligibility/</link>
		<comments>http://raleighmortgagegals.com/how-to-get-your-va-certificate-of-eligibility/#comments</comments>
		<pubDate>Thu, 03 Jan 2013 12:25:16 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2057</guid>
		<description><![CDATA[Raleigh –My cable company requires proof before they answer any question.  So do you think VA will issue you a Certificate of Eligibility on your say so? I think not.  For the VA to issue a guarantee to your mortgage lender they require documentation of your veteran status.  The words ‘government’ and ‘documentation’ sends a [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/how-to-get-your-va-certificate-of-eligibility/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does a Good Credit Score Mean Mortgage Approval Today?</title>
		<link>http://raleighmortgagegals.com/does-a-good-credit-score-mean-mortgage-approval-today/</link>
		<comments>http://raleighmortgagegals.com/does-a-good-credit-score-mean-mortgage-approval-today/#comments</comments>
		<pubDate>Mon, 17 Dec 2012 23:25:32 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2053</guid>
		<description><![CDATA[Raleigh – They bought a home in 2002 with nothing but a good credit score and their word as to how much they made.  Can they today?  They thought so.  Surprise. Umberto and his wife Taylor owned their own business.  They were doing well and wanted to move up.  They found the home they wanted [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/does-a-good-credit-score-mean-mortgage-approval-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State of Housing Market Today December 2012</title>
		<link>http://raleighmortgagegals.com/state-of-housing-market-today-december-2012/</link>
		<comments>http://raleighmortgagegals.com/state-of-housing-market-today-december-2012/#comments</comments>
		<pubDate>Thu, 13 Dec 2012 23:10:17 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2047</guid>
		<description><![CDATA[Raleigh.  News media shouts that the housing market is back.  Is it?  How does answer to this question affect you if you want to buy or sell a house?  Find out. Let’s peel back the headlines and look at some less-reported figures.  I’ll answer the questions “Is the market back?” and “How will this impact [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/state-of-housing-market-today-december-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Settle Your Debts Now for Pennies on the Dollar – Part 2</title>
		<link>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-2/</link>
		<comments>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-2/#comments</comments>
		<pubDate>Mon, 10 Dec 2012 11:41:13 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2042</guid>
		<description><![CDATA[Raleigh couple considers debt settlement.  Promise of paying less than they owe, waiving penalties and reduced interest rates sounds great.  Should they do it? National Debt Relief provided viewpoint of a debt settlement company (see Part 1).  Now I provide another point of view.  First the dangers: 1, Confusion - debt settlement is neither debt [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Settle Your Debts Now for Pennies on the Dollar – Part 1</title>
		<link>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-1/</link>
		<comments>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-1/#comments</comments>
		<pubDate>Thu, 06 Dec 2012 16:48:17 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2040</guid>
		<description><![CDATA[Raleigh couple considers debt settlement.  Promise of paying less than they owe, waiving penalties and reduced interest rates sounds great.  Should they do it? We did some research.  National Debt Relief provided viewpoint of a debt settlement company (Part 1) and we than we searched for the other side of the story (coming in Part [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/settle-your-debts-now-for-pennies-on-the-dollar-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>December 2012 Raleigh Real Estate Market Favors Who Now?</title>
		<link>http://raleighmortgagegals.com/december-2012-raleigh-real-estate-market-favors-who-now/</link>
		<comments>http://raleighmortgagegals.com/december-2012-raleigh-real-estate-market-favors-who-now/#comments</comments>
		<pubDate>Mon, 03 Dec 2012 16:57:52 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling Your Home]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2036</guid>
		<description><![CDATA[Who does Raleigh real estate market favor in December 2012 –buyer or seller?  Media sound bites are normally national in scope.   Here’s Raleigh, NC. trend. What are media comments based on?  In my experience, it&#8217;s usually a comparison between the current month and the prior month or the current month compared with the same month [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/december-2012-raleigh-real-estate-market-favors-who-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Credit Scores Today May Harm You</title>
		<link>http://raleighmortgagegals.com/buying-credit-scores-today-may-harm-you/</link>
		<comments>http://raleighmortgagegals.com/buying-credit-scores-today-may-harm-you/#comments</comments>
		<pubDate>Thu, 15 Nov 2012 21:40:41 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Rates]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Purchase Financing]]></category>
		<category><![CDATA[Raleigh]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Repair]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2017</guid>
		<description><![CDATA[Surprise.  Sophisticated buyers most vulnerable.  Yet everyone buying credit scores at risk per Consumer Financial Protection Bureau (CFPB).  What can you do? In “Know Your Credit Score Now &#8211; Is This Possible?” I gave overview.  Suggest you review.  Today we dig deeper.  I outline possible harm, why scores vary and what action to take. HARM [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/buying-credit-scores-today-may-harm-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Revealed Today Techniques of High FICO® Score Achievers</title>
		<link>http://raleighmortgagegals.com/revealed-today-techniques-of-high-fico-score-achievers/</link>
		<comments>http://raleighmortgagegals.com/revealed-today-techniques-of-high-fico-score-achievers/#comments</comments>
		<pubDate>Mon, 12 Nov 2012 23:04:36 +0000</pubDate>
		<dc:creator>Kathy Godin</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Raleigh]]></category>

		<guid isPermaLink="false">http://raleighmortgagegals.com/?p=2014</guid>
		<description><![CDATA[No theory and no advice on how to achieve a high FICO® score.  Today we look at results of study of actual high achievers.  One surprise:  They’re not perfect. Since higher scores can save borrowers thousands of dollars over life of a loan, myFICO® (an arm of FICO®) conducted a study of techniques of people [...]]]></description>
		<wfw:commentRss>http://raleighmortgagegals.com/revealed-today-techniques-of-high-fico-score-achievers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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