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	<title>Austin Real Estate Daily&#187; Mortgage</title>
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	<link>http://austinrealestatedaily.com</link>
	<description>Austin Real Estate Daily is an online resource dedicated to giving the real estate industry a spot to find inspiration, compare investment strategies and stay updated with the community. Search the Austin MLS, get free market statistics, ask the experts in our forum and the truth about central Texas real estate without all the doom and gloom.</description>
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		<title>TDHCA &#8211; Bond 77 Webinar REPLAY . . . for buyers and for realtors</title>
		<link>http://austinrealestatedaily.com/real-estate/tdhca-bond-77-video-webinar-replay/</link>
		<comments>http://austinrealestatedaily.com/real-estate/tdhca-bond-77-video-webinar-replay/#comments</comments>
		<pubDate>Wed, 15 Sep 2010 14:23:32 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[bond 77]]></category>
		<category><![CDATA[Flipping Real Estate]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[TDHCA]]></category>
		<category><![CDATA[TDHCA bond 77]]></category>
		<category><![CDATA[The Real Estate Zone]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1564</guid>
		<description><![CDATA[We have posted a replay of the video webinar on TDHCA Bond 77 for those who could not attend in person. This exciting new program offers borrowers two choices when purchasing a new home: Assisted Program offers 5% for down-payment assistance and covers FHA down payment of 3.5% and a portion of closing costs. Nonassisted [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Dead Cat Story . . .</title>
		<link>http://austinrealestatedaily.com/uncategorized/the-dead-cat-story/</link>
		<comments>http://austinrealestatedaily.com/uncategorized/the-dead-cat-story/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 17:58:15 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Flip houses]]></category>
		<category><![CDATA[flip that house]]></category>
		<category><![CDATA[flip this house]]></category>
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		<category><![CDATA[home flip]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[homevestors]]></category>
		<category><![CDATA[house flip]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[make money in real estate]]></category>
		<category><![CDATA[Mortgage Meltdown]]></category>
		<category><![CDATA[mortgage rate]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Investment]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=828</guid>
		<description><![CDATA[Dead Cat StoryClose your eyes.  Relax.  Think back to a simpler time—a time before cell phones, before email, before PDAs and internet search engines.  Think back to a time when real estate agents had glamour-shot photographs on their business cards and online was not around. Now, ask yourself these questions:  How did real estate agents [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ALERT! USDA to issue conditional commitments once funds are exhausted!! No break in funding!</title>
		<link>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-issue-conditional-commitments-funds-exhausted-break-funding/</link>
		<comments>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-issue-conditional-commitments-funds-exhausted-break-funding/#comments</comments>
		<pubDate>Tue, 11 May 2010 21:43:44 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[City of Austin]]></category>
		<category><![CDATA[Feature Realtors]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[USDA loans]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1553</guid>
		<description><![CDATA[Today USDA announced that they WILL issue conditional commitments on USDA loans once funds are exhausted.  This  is a turn around from their previous stance and allows current USDA loans to close and fund before Congress passes the new legislation.  However, there are a few changes to the normal guarantee fee.  See below: SFH Origination [...]]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-issue-conditional-commitments-funds-exhausted-break-funding/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>TDHCA Bond 77 -Just in time to fill the void that the homebuyer tax credit will be leaving…</title>
		<link>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/tdhca-bond-77-time-fill-void-homebuyer-tax-credit-leaving/</link>
		<comments>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/tdhca-bond-77-time-fill-void-homebuyer-tax-credit-leaving/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 22:22:53 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[austin]]></category>
		<category><![CDATA[bond 77]]></category>
		<category><![CDATA[City of Austin]]></category>
		<category><![CDATA[Flip houses]]></category>
		<category><![CDATA[flip that house]]></category>
		<category><![CDATA[Flipping Real Estate]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[Mortgage Meltdown]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[Real Estate 101 Podcast]]></category>
		<category><![CDATA[supreme lending]]></category>
		<category><![CDATA[TDHCA]]></category>
		<category><![CDATA[The Current Real Estate Market]]></category>
		<category><![CDATA[USDA]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1455</guid>
		<description><![CDATA[On May 3 the TDHCA will roll out a new bond program to assist buyers with their down payment when purchasing a home.  &#8220;Bond 77&#8243;  is its largest allotment to date and is purported to be $500 million in funds.  This program will be released just in time to fill the void left behind by [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Pending Home Sales for the Austin Area are on Fire!</title>
		<link>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/pending-sales-for-the-austin-area-is-on-fire/</link>
		<comments>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/pending-sales-for-the-austin-area-is-on-fire/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 18:14:39 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[austin]]></category>
		<category><![CDATA[City of Austin]]></category>
		<category><![CDATA[First time homebuyer credit]]></category>
		<category><![CDATA[flip that house]]></category>
		<category><![CDATA[homevestors]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[make money in real estate]]></category>
		<category><![CDATA[pending home sales]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[The Real Estate Zone]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1164</guid>
		<description><![CDATA[Looks like pending homes sales for the Austin area are heating up ahead of the Tax credit contract deadline (must have house under contract by April 30th). This chart shows months of inventory based on pending home sales and active listings. This is a more forward looking view as opposed to months of inventory using [...]]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/pending-sales-for-the-austin-area-is-on-fire/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA in Jeopardy!</title>
		<link>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-in-jeopardy/</link>
		<comments>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-in-jeopardy/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 20:07:59 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[austin]]></category>
		<category><![CDATA[Austin real estate]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[McClellan]]></category>
		<category><![CDATA[texas]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[USDA home loan]]></category>
		<category><![CDATA[usda loan]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1147</guid>
		<description><![CDATA[It has recently been announced that the USDA loan program will be out of money by the end of April 2010. In any typical year the USDA loan program has plenty of funds to make loans through the end of the year. Over the last few years as other &#8220;0&#8243; down loan programs have disappeared, USDA [...]]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/mortgage/the-current-mortgage-climate-mortgage/usda-in-jeopardy/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Two predictions for future mortgage rate movement—is it time to “rip the band-aid” off?</title>
		<link>http://austinrealestatedaily.com/real-estate/real-estate-tips-real-estate/two-predictions-for-future-mortgage-rate-movement%e2%80%94is-it-time-to-%e2%80%9crip-the-band-aid%e2%80%9d-off/</link>
		<comments>http://austinrealestatedaily.com/real-estate/real-estate-tips-real-estate/two-predictions-for-future-mortgage-rate-movement%e2%80%94is-it-time-to-%e2%80%9crip-the-band-aid%e2%80%9d-off/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 14:54:54 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[austin]]></category>
		<category><![CDATA[Austin real estate]]></category>
		<category><![CDATA[Downtown Austin]]></category>
		<category><![CDATA[First time homebuyer credit]]></category>
		<category><![CDATA[Flip houses]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[make money in real estate]]></category>
		<category><![CDATA[McClellan]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[Real Estate 101 Podcast]]></category>
		<category><![CDATA[real estate in texas]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[The Real Estate Zone]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=945</guid>
		<description><![CDATA[I have been talking a great deal lately about the Fed’s exit from its program of buying mortgage-backed securities (MBS).  Over the last 13 months the Fed has spent more than one trillion dollars—that’s $1,000,000,000,000.00—to buy these securities in order to drive up their price, thereby artificially keeping interest rates low.  This program has succeeded [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Sweeping Changes from HUD on FHA loans…Really?</title>
		<link>http://austinrealestatedaily.com/real-estate/real-estate-investing-real-estate/sweeping-changes-from-hud-on-fha-loans%e2%80%a6really/</link>
		<comments>http://austinrealestatedaily.com/real-estate/real-estate-investing-real-estate/sweeping-changes-from-hud-on-fha-loans%e2%80%a6really/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 23:27:32 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[austin]]></category>
		<category><![CDATA[Austin Home Prices]]></category>
		<category><![CDATA[Austin real estate]]></category>
		<category><![CDATA[City of Austin]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Downtown Austin]]></category>
		<category><![CDATA[Feature Realtors]]></category>
		<category><![CDATA[First time homebuyer credit]]></category>
		<category><![CDATA[Flip houses]]></category>
		<category><![CDATA[flip this house]]></category>
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		<category><![CDATA[house flip]]></category>
		<category><![CDATA[housing act of 2008]]></category>
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		<category><![CDATA[John McClellan]]></category>
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		<category><![CDATA[McClellan]]></category>
		<category><![CDATA[Mortgage Meltdown]]></category>
		<category><![CDATA[Mortgage Mess]]></category>
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		<category><![CDATA[real estate in austin]]></category>
		<category><![CDATA[The Current Real Estate Market]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=918</guid>
		<description><![CDATA[Today HUD announced some sweeping changes for FHA loans.  I use the descriptor sweeping because the media and even HUD are portraying these changes as sweeping.  Truth be told, most of these changes either have already been made at the origination level or are a reverting to old standards that have been set for previous [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Year of the Incentives . . .</title>
		<link>http://austinrealestatedaily.com/uncategorized/the-year-of-the-incentives/</link>
		<comments>http://austinrealestatedaily.com/uncategorized/the-year-of-the-incentives/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 13:12:33 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[United States Economy]]></category>
		<category><![CDATA[flip]]></category>
		<category><![CDATA[fliping]]></category>
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		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[McClellan]]></category>
		<category><![CDATA[mortgage lender]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[real estate in austin]]></category>
		<category><![CDATA[real estate in texas]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[supreme lending]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=899</guid>
		<description><![CDATA[“incentive (in⋅cen⋅tive) any factor (financial or non-financial) that enables or motivates a particular course of action, or counts as a reason for preferring one choice to the alternatives” Our world is founded and based upon incentives either to do something or not to do something.  Today’s real estate market is driven by incentives, organic and [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>A year in the life of the 30 year fixed rate mortgage&#8230;..</title>
		<link>http://austinrealestatedaily.com/uncategorized/a-year-in-the-life-of-the-30-year-fixed-rate-mortgage/</link>
		<comments>http://austinrealestatedaily.com/uncategorized/a-year-in-the-life-of-the-30-year-fixed-rate-mortgage/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 17:53:04 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[The Current Mortgage Climate]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Austin real estate]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[McClellan]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[real estate in austin]]></category>
		<category><![CDATA[real estate in texas]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[supreme lending]]></category>
		<category><![CDATA[The Real Estate Zone]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=813</guid>
		<description><![CDATA[The last 12 months have not only been interesting but they have been expensive for the American Taxpayer.  Over the last 12 months the Fed has spent over one trillion dollars (yes I said trillion) on Mortgage Backed Securities (MBS) and will continue to do so until the end of the first quarter 2010. By [...]]]></description>
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		<slash:comments>0</slash:comments>
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