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	<title>Austin Real Estate Daily&#187; Current Real Estate Market</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>The Three-Headed Monster . . .What Is Moving Mortgage Rates?</title>
		<link>http://austinrealestatedaily.com/uncategorized/threeheaded-monster-moving-mortgage-rates/</link>
		<comments>http://austinrealestatedaily.com/uncategorized/threeheaded-monster-moving-mortgage-rates/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 15:53:56 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=2117</guid>
		<description><![CDATA[Where are rates headed?  This seems to be the question of the year; and, as usual, the direction is not easy to discern. A related question is this:  What is having the most influence on mortgage rates today?  I call it the three-headed monster, which is, I believe, an apt descriptor.  The three heads are, [...]]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/uncategorized/threeheaded-monster-moving-mortgage-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>HUD is raising its monthly MI and lowering its upfront MI*****Update**** Change has been delayed!!</title>
		<link>http://austinrealestatedaily.com/real-estate/current-real-estate/hud-raising-monthly-mi-lowering-upfront-mi/</link>
		<comments>http://austinrealestatedaily.com/real-estate/current-real-estate/hud-raising-monthly-mi-lowering-upfront-mi/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 13:45:06 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[H.R. 5981]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[Monthly MI]]></category>
		<category><![CDATA[ufront MI]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1930</guid>
		<description><![CDATA[*******UPDATE********* *******UPDATE********* Tuesday, August 10, 2010 FHA&#8217;s new mortgage insurance premium structure change has been pushed back to October 4, 2010 http://www.immaag.com/Portals/0/BottStatementPremiumChanges_delay_100410_081010.pdf *******UPDATE********* *******UPDATE********* This just came across the email from HUD:   Big changes that will affect the affordability of FHA loans by almost doubling the monthly MI payments on FHA loans.  Currently, on a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Austin Real Estate Daily &#8211; We need &#8220;deliverance&#8221; from HVCC</title>
		<link>http://austinrealestatedaily.com/real-estate/current-real-estate/austin-real-estate-daily-deliverance-hvcc/</link>
		<comments>http://austinrealestatedaily.com/real-estate/current-real-estate/austin-real-estate-daily-deliverance-hvcc/#comments</comments>
		<pubDate>Tue, 10 Aug 2010 23:23:04 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate Articles]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1934</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The Real Estate Zone &#8211; Commuter Rail and what it means to Central Texas Real Estate</title>
		<link>http://austinrealestatedaily.com/real-estate/real-estate-podcast-real-estate/real-estate-zone-commuter-rail-means-central-texas-real-estate/</link>
		<comments>http://austinrealestatedaily.com/real-estate/real-estate-podcast-real-estate/real-estate-zone-commuter-rail-means-central-texas-real-estate/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 22:30:24 +0000</pubDate>
		<dc:creator>John McClellan</dc:creator>
				<category><![CDATA[Current Real Estate Market]]></category>
		<category><![CDATA[Real Estate Podcast]]></category>
		<category><![CDATA[John McClellan]]></category>
		<category><![CDATA[kevin bown]]></category>
		<category><![CDATA[lstar rail]]></category>
		<category><![CDATA[metro rail]]></category>
		<category><![CDATA[metro rail austin]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate 101]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[red line rail austin]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1927</guid>
		<description><![CDATA[John McClellan and Kevin Bown discuss Commuter Rail and what it means to Central Texas Real Estate.]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/real-estate/real-estate-podcast-real-estate/real-estate-zone-commuter-rail-means-central-texas-real-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<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>The &#8220;PIIGS&#8221; are in Play&#8230;What do they have to do with interest rates?</title>
		<link>http://austinrealestatedaily.com/real-estate/real-estate-tips-real-estate/piigs-playwhat-interest-rates/</link>
		<comments>http://austinrealestatedaily.com/real-estate/real-estate-tips-real-estate/piigs-playwhat-interest-rates/#comments</comments>
		<pubDate>Mon, 10 May 2010 13:00:17 +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[austin]]></category>
		<category><![CDATA[Austin Home Prices]]></category>
		<category><![CDATA[City of Austin]]></category>
		<category><![CDATA[First time homebuyer credit]]></category>
		<category><![CDATA[Flip houses]]></category>
		<category><![CDATA[flip that house]]></category>
		<category><![CDATA[flip this house]]></category>
		<category><![CDATA[flipper]]></category>
		<category><![CDATA[Flipping Real Estate]]></category>
		<category><![CDATA[home flip]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[homevestors]]></category>
		<category><![CDATA[house flip]]></category>
		<category><![CDATA[housing act of 2008]]></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[Mortgage Meltdown]]></category>
		<category><![CDATA[mortgage rate]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate 101 Podcast]]></category>
		<category><![CDATA[real estate in austin]]></category>
		<category><![CDATA[real estate in texas]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[The Current Real Estate Market]]></category>
		<category><![CDATA[The Real Estate Zone]]></category>
		<category><![CDATA[USDA loans]]></category>

		<guid isPermaLink="false">http://austinrealestatedaily.com/?p=1525</guid>
		<description><![CDATA[The Fed program to buy mortgage-backed securities was put into place in December 2008 in an effort to stimulate home-buying and refinancing.  By becoming the major purchaser of MBSs (mortgage-backed securities) the Fed purposefully created demand for these securities when there was none.  By increasing the demand on MBSs they drove up their price, which [...]]]></description>
		<wfw:commentRss>http://austinrealestatedaily.com/real-estate/real-estate-tips-real-estate/piigs-playwhat-interest-rates/feed/</wfw:commentRss>
		<slash:comments>1</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>
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		<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>
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