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        <link>http://www.unmcrealestatewithhonors.com/blog/renting-vs-buying/</link>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/7-ways-to-protect-your-credit-score-for-better-mortgage-rates.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/7-ways-to-protect-your-credit-score-for-better-mortgage-rates.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>7 Ways To Protect Your Credit Score For Better Mortgage Rates</title>
            <description> <![CDATA[ February 5th, 2010 As mortgage lenders tighten approval standards in Nebraska and nationwide, the importance of a good credit score is rising.&nbsp; Credit scores not only make the difference between a mortgage approval and mortgage turn-down, but they also play a large role in determining your actual mortgage note rate.In this 3-minute video, the NBC Today Show talks about 7 ways that homebuyers ruin their credit &mdash; often by accident.&nbsp; Some of the highlighted mistakes include:Closing ... ]]> </description>
            <pubDate>Fri, 05 Feb 2010 17:39:12 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/what-is-a-short-sale.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/what-is-a-short-sale.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>What is a Short Sale?</title>
            <description> <![CDATA[ February 2nd, 2010A &ldquo;Short Sale&rdquo; is when a home seller sells his home for a lesser amount than what is owed on his mortgage, and the mortgage lender agrees to accept the lesser amount in lieu of a full payoff.By way of example, a Short Sale may be appropriate for a Omaha home seller whose mortgage balance is $250,000 but whose home wouldn&rsquo;t sell for more than $220,000.&nbsp; Rather than pay the $30,000 difference to the lender at the time of sale, the seller enters into an agre... ]]> </description>
            <pubDate>Tue, 02 Feb 2010 17:34:41 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/theres-100-days-left-to-claim-the-homebuyer-tax-credit.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/theres-100-days-left-to-claim-the-homebuyer-tax-credit.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>There&#8217;s 100 Days Left To Claim The Homebuyer Tax Credit</title>
            <description> <![CDATA[ January 20th, 2010 November 6, 2009, Congress voted to extend and expand the&nbsp;First-Time Home Buyer Tax Credit program.&nbsp; There&rsquo;s 100 days left to claim it.The expiration date of the up-to-$8,000 tax credit has been pushed forward to spring, requiring homebuyers in Omaha to be under contract for a home no later than April 30, 2010, and to be closed no later than June 30, 2010.In addition, &ldquo;move-up&rdquo; buyers were also added to the program&rsquo;s eligibility list meaning y... ]]> </description>
            <pubDate>Thu, 21 Jan 2010 16:53:34 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/fannie-mae-gets-tougher-on-borrowers-again.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/fannie-mae-gets-tougher-on-borrowers-again.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>Fannie Mae Gets Tough(er) On Borrowers. Again.</title>
            <description> <![CDATA[ Fannie Mae raised the bar for mortgage applicants this past weekend.&nbsp; Getting approved for a home loan just got harder.In its official announcement, Fannie Mae says the updates minimize long-term lending risks.&nbsp; If that's the case, this won't be the last guideline change Fannie Mae makes -- especially with loans defaulting at an above-normal clip.The immediate changes are major. The first pertains to credit scores.Effective December 13, 2009, the bulk of Fannie Mae's loans require a 62... ]]> </description>
            <pubDate>Wed, 16 Dec 2009 10:16:31 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/store-credit-cards-the-hidden-cost-of-instant-savings.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/store-credit-cards-the-hidden-cost-of-instant-savings.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>Store Credit Cards : The Hidden Cost Of "Instant Savings"</title>
            <description> <![CDATA[ 'Tis the season to do shopping -- and get bombarded with offers to open credit cards.The deals are tempting, too.&nbsp;&quot;Open a charge card today&quot; and save up to 20% on your purchase. Considering that the average Black Friday ticket was $343, that's&nbsp;$68 saved per store. For big-ticket items like televisions, the savings are even bigger.But for people in the market for a new home -- or looking to refinance -- taking advantage of in-store savings could be a long-term money loser.Ever... ]]> </description>
            <pubDate>Thu, 03 Dec 2009 13:17:40 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/should-you-consider-a-15-year-fixed-mortgage.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/should-you-consider-a-15-year-fixed-mortgage.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>Should You Consider A 15-Year Fixed Mortgage?</title>
            <description> <![CDATA[ For today's home buyers and homeowners that can manage the higher monthly payments, 15-year fixed rate mortgage rates&nbsp;look attractive as compared to comparable 30-year products.The 15-year/30-year interest rate spread is near&nbsp;its 5-year high.Despite lower rates, however, homeowners opting for a 15-year fixed mortgage should be prepared for its higher monthly payments.&nbsp; This is because the principal balance of a 15-year fixed is repaid in half the years as with a standard, 30-year ... ]]> </description>
            <pubDate>Fri, 20 Nov 2009 12:10:53 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/congress-expands-and-extends-the-first-time-home-buyer-tax-credit.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/congress-expands-and-extends-the-first-time-home-buyer-tax-credit.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>Congress Expands And Extends The First-Time Home Buyer Tax Credit</title>
            <description> <![CDATA[ Congress both extended and expanded the&nbsp;First-Time Home Buyer Tax Credit program Thursday. The bill was signed by Presiden Obama on Friday.The up-to-$8000 tax credit's expiration date has been pushed forward to spring, requiring homebuyers to be under contract by April 30, 2010, and to be closed&nbsp;by June 30, 2010.The program's basic eligibility requirements&nbsp;remain the same:Buyers can't purchase the home from a parent, spouse, or child Buyers can't purchase the home from an entity i... ]]> </description>
            <pubDate>Tue, 10 Nov 2009 12:06:12 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/whats-ahead-for-mortgage-rates-this-week-november-9-2009.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/whats-ahead-for-mortgage-rates-this-week-november-9-2009.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>What's Ahead For Mortgage Rates This Week : November 9, 2009</title>
            <description> <![CDATA[ Mortgage markets were extremely volatile last week, carving out a wide range between Monday and Friday.&nbsp; Thankfully for rate shoppers, the overall momentum was positive.Mortgage rates fell for the second time in as many weeks.&nbsp;Rates still sit higher versus their early-October lows.For pure &quot;news&quot;, last week was a busy one:The Federal Reserve held the Fed Funds Rate near 0.000 percent The Unemployment Rate crossed 10 percent The First-Time Home Buyer Tax Credit was extended to... ]]> </description>
            <pubDate>Mon, 09 Nov 2009 13:15:57 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/because-of-the-federal-reserve-you-should-lock-before-215-pm-et-today.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/because-of-the-federal-reserve-you-should-lock-before-215-pm-et-today.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>Because Of The Federal Reserve, You Should Lock Before 2:15 PM ET Today</title>
            <description> <![CDATA[ The Federal Open Market Committee caps off&nbsp;a scheduled, 2-day meeting today in the nation's capital, its 8th meeting of the year.The group adjourns at 2:15 PM ET and, as is customary, will issue a&nbsp;press release reviewing its monetary policy and the&nbsp;health of the U.S. economy.&nbsp;The FOMC's post-meeting&nbsp;statements are&nbsp;brief but comprehensive.&nbsp;They're a window into the mind of the Federal Reserve and Wall Street picks apart every sentence for clues. It's why FOMC me... ]]> </description>
            <pubDate>Wed, 04 Nov 2009 10:03:17 -0600</pubDate>
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            <guid>http://www.unmcrealestatewithhonors.com/blog/how-to-find-good-deals-as-the-buyers-market-comes-to-an-end.html</guid>
            <link>http://www.unmcrealestatewithhonors.com/blog/how-to-find-good-deals-as-the-buyers-market-comes-to-an-end.html</link>
            <author>ryan@theprivatemortgagegroup.com (Ryan Shoemaker)</author>
            <title>How To Find Good Deals As The Buyers Market Comes To An End</title>
            <description> <![CDATA[ At some point in their lives, every home buyer in America has wondered &quot;Is now the best time to buy a home?&quot; In this 3-minute video, NBC's The Today Show does a good job of answering the question.The conclusion? Yes, but not if you're going to overpay.The Buyers Market is ending, we learn, as home prices rise across most of the country.&nbsp; Pockets of opportunity remain, however,&nbsp;and the focused home buyer can still find a &quot;good deal&quot;.Some of the video's tips include:O... ]]> </description>
            <pubDate>Fri, 30 Oct 2009 10:16:34 -0500</pubDate>
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