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	<title>Free Mortgage Guid eBook</title>
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<title>Free Mortgage Guid eBook</title>
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		<item>
		<title>Canada Mortgage Tips</title>
		<link>http://www.freemortgageguidebook.com/271/canada-mortgage-tips/</link>
		<comments>http://www.freemortgageguidebook.com/271/canada-mortgage-tips/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 23:42:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Canada Mortgage]]></category>
		<category><![CDATA[Mortgage Tips]]></category>

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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Loans and Mortgage Tips @ www.homeloanblogs.net</title>
		<link>http://www.freemortgageguidebook.com/267/home-loans-and-mortgage-tips-www-homeloanblogs-net/</link>
		<comments>http://www.freemortgageguidebook.com/267/home-loans-and-mortgage-tips-www-homeloanblogs-net/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 16:54:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Home loans]]></category>
		<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/267/home-loans-and-mortgage-tips-www-homeloanblogs-net/</guid>
		<description><![CDATA[for more info visit @ www.homeloanblogs.net
]]></description>
			<content:encoded><![CDATA[<div>for more info visit @ www.homeloanblogs.net</div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Askmeme.com Mortgage News</title>
		<link>http://www.freemortgageguidebook.com/278/askmeme-com-mortgage-news/</link>
		<comments>http://www.freemortgageguidebook.com/278/askmeme-com-mortgage-news/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 18:28:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Foreclosure Information]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[News Information]]></category>
		<category><![CDATA[Presents]]></category>

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		<description><![CDATA[Askmeme.com presents mortgage news, mortgage tips, and more Distributed by Tubemogul. &#8230; foreclosure news mortgage home information
]]></description>
			<content:encoded><![CDATA[<div>Askmeme.com presents mortgage news, mortgage tips, and more Distributed by Tubemogul. &#8230; foreclosure news mortgage home information</div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>All Credit Lending Home Loans and Mortgage Tips</title>
		<link>http://www.freemortgageguidebook.com/257/all-credit-lending-home-loans-and-mortgage-tips/</link>
		<comments>http://www.freemortgageguidebook.com/257/all-credit-lending-home-loans-and-mortgage-tips/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 14:03:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Credit Loans]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[Home Loan Programs]]></category>
		<category><![CDATA[Home loans]]></category>
		<category><![CDATA[Mark Evans]]></category>
		<category><![CDATA[Mortgage Lending]]></category>
		<category><![CDATA[Mortgage Manager]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/257/all-credit-lending-home-loans-and-mortgage-tips/</guid>
		<description><![CDATA[All Credit Lending sales manager Mark Evans talks about Home Loan programs and Florida Real Estate Market.
]]></description>
			<content:encoded><![CDATA[<div>All Credit Lending sales manager Mark Evans talks about Home Loan programs and Florida Real Estate Market.</div>
]]></content:encoded>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>First Time Home Buyer &#8211; Tips?</title>
		<link>http://www.freemortgageguidebook.com/227/first-time-home-buyer-tips/</link>
		<comments>http://www.freemortgageguidebook.com/227/first-time-home-buyer-tips/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 09:15:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Guid]]></category>
		<category><![CDATA[Bank Owned Property]]></category>
		<category><![CDATA[Beautiful]]></category>
		<category><![CDATA[Burst Pipe]]></category>
		<category><![CDATA[Carpeting]]></category>
		<category><![CDATA[Dry Rot]]></category>
		<category><![CDATA[First Time Home]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer Tips]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[Furance]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Midst]]></category>
		<category><![CDATA[Mold]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Tax Purposes]]></category>
		<category><![CDATA[Terrible Shape]]></category>
		<category><![CDATA[Time Home Buyer]]></category>
		<category><![CDATA[Warwick Ri]]></category>
		<category><![CDATA[Window Sills]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/227/first-time-home-buyer-tips/</guid>
		<description><![CDATA[My boyfriend and I are in the midst of bidding on a home in Warwick, RI. We love the set up of the home. There are some problems with the property, though. The furance is dead, the house needs siding, there is some dry rot on the window sills, and there is mold in the [...]]]></description>
			<content:encoded><![CDATA[<div>My boyfriend and I are in the midst of bidding on a home in Warwick, RI. We love the set up of the home. There are some problems with the property, though. The furance is dead, the house needs siding, there is some dry rot on the window sills, and there is mold in the basement because of a burst pipe, and the yard is in terrible shape. The home was built in 1955. The home is also right now a bank owned property, foreclosed on a few months ago. It is also very dirty, some of the floor and carpeting must be replaced. The home was put on the market for $229k, and another home a street over was priced the same, but has no issues whatsoever, sided, beautiful. The home is assessed for tax purposes at $204k. The last mortgage on the house was for $207k total. Because of all the work, we bid low, at $190k. What are the chances the bank would accept, or counter with a similar price (under $210k). The house has been market 32 days, and there are tons of other foreclosures in this area.<br />
I am just looking for some some info, what people think we could get the house at, etc. We are also putting $5k down, and put that we were willing to close in 30-45 days.<br />
A Little More Info, We have been pre-approved for our mortgage, and were qualified for a 100% financing, but want to put at least the $5,000 down. <img src='http://www.freemortgageguidebook.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' title="First Time Home Buyer   Tips?" /> </div>
]]></content:encoded>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Moving in with BF, how to handle finances? How do you handle?</title>
		<link>http://www.freemortgageguidebook.com/231/moving-in-with-bf-how-to-handle-finances-how-do-you-handle/</link>
		<comments>http://www.freemortgageguidebook.com/231/moving-in-with-bf-how-to-handle-finances-how-do-you-handle/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 02:57:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Guid]]></category>
		<category><![CDATA[Adult]]></category>
		<category><![CDATA[Background Info]]></category>
		<category><![CDATA[Buying Groceries]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Experiences]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Fly]]></category>
		<category><![CDATA[Fly By Night]]></category>
		<category><![CDATA[Household Items]]></category>
		<category><![CDATA[Independent Person]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Mortgage Payment]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[Single Parent]]></category>
		<category><![CDATA[Success Stories]]></category>
		<category><![CDATA[Whole Lot]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/231/moving-in-with-bf-how-to-handle-finances-how-do-you-handle/</guid>
		<description><![CDATA[Background info&#8230;I am 31, he&#8217;s 34, and I have a 9 year old daughter. We will be moving in to his place. I&#8217;d like to hear from others out there who have a good plan on how to handle the finances/bills. I make more money than he does. Not a whole lot, but more. 
Splitting [...]]]></description>
			<content:encoded><![CDATA[<div>Background info&#8230;I am 31, he&#8217;s 34, and I have a 9 year old daughter. We will be moving in to his place. I&#8217;d like to hear from others out there who have a good plan on how to handle the finances/bills. I make more money than he does. Not a whole lot, but more. </p>
<p>Splitting everything straight 50/50 seems odd but if it works for you, please share.</p>
<p>Which one of you keeps track of the bills and makes sure they are paid? Do you have a joint bank account for this, or separate? How do you handle buying groceries and household items, and the rent or mortgage payment? </p>
<p>I&#8217;ve been a single parent, and I have not lived with another adult in years. This will be a big adjustment as it is, so the last thing I want to do is end up arguing about money and how to handle it. I want to have a good plan in place and discuss my ideas with him prior to moving in so there is no question later how things are to be handled.</p>
<p>Any tips or success stories you could share would be much appreciated!<br />
Yes, I do trust him. This has not been a fly-by-night decision by any means. I&#8217;ve considered a lot of things before seriously considering moving myself and my daughter in with someone. He&#8217;s probably more disciplined with finances than I am. I am going through a Chapter 7 right now and learning to make better financial decisions. But, I would like to be a large part of the decision-making when it comes to money&#8230;I am a very independent person and I won&#8217;t let anyone &#8220;tell&#8221; me what I can and cannot do with the money I make as long as our direct needs are met and the most important bills are paid. </p>
<p>We are not engaged or married yet but there has been serious talk of both. We&#8217;ve both discussed our ultimate goals and what we need to do to achieve it. Right now we&#8217;re both trying to get back on our feet financially, together, and then take it from there. </p>
<p>Thanks everyone for some good suggestions and sharing your experiences so far!</p></div>
]]></content:encoded>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgage Tips</title>
		<link>http://www.freemortgageguidebook.com/250/reverse-mortgage-tips-2/</link>
		<comments>http://www.freemortgageguidebook.com/250/reverse-mortgage-tips-2/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 00:02:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Gibbons]]></category>
		<category><![CDATA[Good Time]]></category>
		<category><![CDATA[Julie Chen]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[reverse mortgage]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/250/reverse-mortgage-tips-2/</guid>
		<description><![CDATA[Vera Gibbons spoke with Julie Chen about when is a good time for a reverse mortgage and what to look out for.
]]></description>
			<content:encoded><![CDATA[<div>Vera Gibbons spoke with Julie Chen about when is a good time for a reverse mortgage and what to look out for.</div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Tips &amp; Information : What Happens If I Miss a Mortgage Payment?</title>
		<link>http://www.freemortgageguidebook.com/248/mortgage-tips-information-what-happens-if-i-miss-a-mortgage-payment/</link>
		<comments>http://www.freemortgageguidebook.com/248/mortgage-tips-information-what-happens-if-i-miss-a-mortgage-payment/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 12:22:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Howto]]></category>
		<category><![CDATA[Industry Experience]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Mortgage Broker]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage Payment]]></category>
		<category><![CDATA[Mortgage Tips]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/248/mortgage-tips-information-what-happens-if-i-miss-a-mortgage-payment/</guid>
		<description><![CDATA[When a mortgage payment is missed, the best thing to do is to keep an open line of communication with the lender, as the missed payment can often be negotiated over a several-month period. Call the bank or lender as soon as a payment is missed with tips from a mortgage broker in this free [...]]]></description>
			<content:encoded><![CDATA[<div>When a mortgage payment is missed, the best thing to do is to keep an open line of communication with the lender, as the missed payment can often be negotiated over a several-month period. Call the bank or lender as soon as a payment is missed with tips from a mortgage broker in this free video on mortgageloans. Expert: Matthew McKillen Contact: www.innovativefg.com Bio: Matthew McKillen has more than 21 years of industry experience in arranging loans for his clients. Filmmaker: Christopher &#8230;</div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Question about mortgage?</title>
		<link>http://www.freemortgageguidebook.com/202/question-about-mortgage/</link>
		<comments>http://www.freemortgageguidebook.com/202/question-about-mortgage/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 19:08:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Guid]]></category>
		<category><![CDATA[Advice Tips]]></category>
		<category><![CDATA[Annual Income]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[Fiance]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Unknown Territory]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/202/question-about-mortgage/</guid>
		<description><![CDATA[My fiance and I want to get a home together in Canada. He is Canadian but I am english.
How do mortgages work?
Iv heard you can only borrow 2-3.5 times annual income??? What does this mean exactly???
Any advice/ tips appriciated.
Sorry for sounding dense but im in completely unknown territory here!
]]></description>
			<content:encoded><![CDATA[<div>My fiance and I want to get a home together in Canada. He is Canadian but I am english.<br />
How do mortgages work?<br />
Iv heard you can only borrow 2-3.5 times annual income??? What does this mean exactly???<br />
Any advice/ tips appriciated.</p>
<p>Sorry for sounding dense but im in completely unknown territory here!</p></div>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>SAVE MONEY with our Mortgage TIPS Expert Mortgage Advice</title>
		<link>http://www.freemortgageguidebook.com/274/save-money-with-our-mortgage-tips-expert-mortgage-advice/</link>
		<comments>http://www.freemortgageguidebook.com/274/save-money-with-our-mortgage-tips-expert-mortgage-advice/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 16:36:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Expert Advice]]></category>
		<category><![CDATA[Expert Mortgage]]></category>
		<category><![CDATA[Knowledge Is Power]]></category>
		<category><![CDATA[Marbles]]></category>
		<category><![CDATA[Mission Statement]]></category>
		<category><![CDATA[Money Mortgage]]></category>
		<category><![CDATA[Money Tips]]></category>
		<category><![CDATA[mortgage advice]]></category>
		<category><![CDATA[Mortgage Tips]]></category>
		<category><![CDATA[Obstacles]]></category>
		<category><![CDATA[Refinancing A Home]]></category>

		<guid isPermaLink="false">http://www.freemortgageguidebook.com/274/save-money-with-our-mortgage-tips-expert-mortgage-advice/</guid>
		<description><![CDATA[mortgagemarbles.com Let me start of by sharing two facts&#8230; 1) KNOWLEDGE IS POWER 2) CASH IS KING Keep the above two facts in mind as you read our mission statement. Mortgage Marbles, Inc was founded in 2003 to help consumers get through the obstacles of refinancing a home. The&#8230;
]]></description>
			<content:encoded><![CDATA[<div>mortgagemarbles.com Let me start of by sharing two facts&#8230; 1) KNOWLEDGE IS POWER 2) CASH IS KING Keep the above two facts in mind as you read our mission statement. Mortgage Marbles, Inc was founded in 2003 to help consumers get through the obstacles of refinancing a home. The&#8230;</div>
]]></content:encoded>
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