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	<title>Everyday Mortgage Answers</title>
	<link>http://www.sandykrestan.com</link>
	<description>Good Sound Mortgage Advice in Arizona and California</description>
	<lastBuildDate>Thu, 02 Feb 2012 20:54:45 +0000</lastBuildDate>
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		<title>New Refinance Program&#8230;Fact or Fiction&#8230;from Sandy Krestan</title>
		<description><![CDATA[Everyone has heard them. You know, the rumors about all these new loan programs out there. The ones that will let anyone &#8220;refinance at the low rates.&#8221; Is that the same program that will let &#8220;investors refinance to today&#8217;s rates,&#8221; as well? I heard that &#8220;the Administration is promoting it.&#8221; I heard that there was [...]]]></description>
		<link>http://www.sandykrestan.com/2012/02/02/new-refinance-program-fact-or-fiction-from-sandy-krestan/</link>
			</item>
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		<title>FHA loan limits in Maricopa County Increased&#8230;from Sandy Krestan</title>
		<description><![CDATA[It is official&#8230;FHA loan limits for Maricopa County are at $346,250.00 again&#8230;for more information click on the link below&#8230;GREAT NEWS! https://entp.hud.gov/idapp/​html/hicost1.cfm]]></description>
		<link>http://www.sandykrestan.com/2011/12/07/fha-loan-limits-in-maricopa-county-increased-from-sandy-krestan/</link>
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		<title>The Federal Reserve and Mortgage Rates from Sandy Krestan</title>
		<description><![CDATA[The Federal Reserve and Mortgage Rates Understanding What Causes Interest Rate Movement Consumers are often misled when it comes to the subject of the Federal Reserve and how it affects mortgage interest rates. Often the media is the culprit causing the confusion. Many times, the Fed has taken action that caused mortgage interest rates to [...]]]></description>
		<link>http://www.sandykrestan.com/2011/12/01/the-federal-reserve-and-mortgage-rates-from-sandy-krestan/</link>
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		<title>Great News for Underwater Homeowners&#8211;Info about HARP from Sandy Krestan</title>
		<description><![CDATA[Great News for Underwater Homeowners Changes to HARP Program Announced You may have heard that President Obama plans to open up refinancing to more homeowners who are underwater. If you are wondering what this means&#8230;and if you can benefit&#8230;here are some facts to consider. First, it&#8217;s important to realize that the president&#8217;s proposal is not [...]]]></description>
		<link>http://www.sandykrestan.com/2011/11/03/great-news-for-underwater-homeowners-info-about-harp-from-sandy-krestan/</link>
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		<title>Insurance Anyone?  from KCMblog.com</title>
		<description><![CDATA[Insurance Anyone? I am often asked about the different types of insurances that surround real estate. And while I am no expert on the topic, I do feel qualified to give an overview and some insight to assist you in asking intelligent questions to true insurance professionals. So, here it goes: ■Homeowner’s Insurance covers the [...]]]></description>
		<link>http://www.sandykrestan.com/2011/11/03/insurance-anyone-from-kcmblog-com/</link>
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		<title>Avoid Foreclosure&#8212;We help clients keep their homes from Sandy Krestan</title>
		<description><![CDATA[Avoiding Foreclosure Helping Clients Keep Their Homes Few things are as devastating as losing your home. Sadly, it&#8217;s not always inevitable. In many cases the foreclosure could&#8217;ve been avoided with some outside help. You are in a unique position to advise your clients in financial matters. If you know that clients are on the path [...]]]></description>
		<link>http://www.sandykrestan.com/2011/11/01/avoid-foreclosure-we-help-clients-keep-their-homes-from-sandy-krestan/</link>
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		<title>FHFA, Fannie Mae and Freddie Mac Announce BIG changes to Harp from Sandy Krestan</title>
		<description><![CDATA[FHFA, Fannie Mae and Freddie Mac Announce HARP changes to Reach more Borrowers&#8230;I have attached the link to the entire document below. The new program enhancements address several other key aspects of HARP including: Removing the current 125% loan to value ceiling for fixed rates loans backed by FNMA &#038; FHLMC. More details to follow [...]]]></description>
		<link>http://www.sandykrestan.com/2011/10/24/fhfa-fannie-mae-and-freddie-mac-announce-big-changes-to-harp-from-sandy-krestan/</link>
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		<title>RePost from kcmblog.com</title>
		<description><![CDATA[Rates Stay Low, BUT Will Costs Go Up? by Dean Hartman on September 22, 2011 · 0 comments in For Buyers, Pricing Share We are enjoying extremely low interest rates, for sure. With the global economy, the national economy and unemployment where they are, no one is predicting a dramatic change in rates any time [...]]]></description>
		<link>http://www.sandykrestan.com/2011/09/22/repost-from-kcmblog-com/</link>
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		<title>How to Pick Your Lender from KCM Blog &amp; Sandy Krestan</title>
		<description><![CDATA[How To Pick Your Lender In the whirl wind that surrounds the home buying and mortgage process, how can a consumer be sure that they are working with the right lender? I mean there are so many choices…here’s some things to consider: What type of company is it? There are mortgage brokers, mortgage bankers and [...]]]></description>
		<link>http://www.sandykrestan.com/2011/09/15/how-to-pick-your-lender-from-kcm-blog-sandy-krestan/</link>
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		<title>Quick Tips for Getting Started on Your Home Purchase from Sandy Krestan</title>
		<description><![CDATA[Quick Tips for Getting Started on Your Home Purchase Buying a home can be a complex process, but it doesn&#8217;t have to be. With a little preparation, you can save a lot of time and hassle by having all of your documents ready when your mortgage professional needs them. To start with, the lender will [...]]]></description>
		<link>http://www.sandykrestan.com/2011/09/13/quick-tips-for-getting-started-on-your-home-purchase-from-sandy-krestan-2/</link>
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