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	<title>Oregon Mortgage Blog</title>
	<link>http://www.oregonmortgageblog.com</link>
	<description>Portland Oregon Mortgage Broker James Adair</description>
	<lastBuildDate>Mon, 30 Aug 2010 19:43:31 +0000</lastBuildDate>
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		<title>A special message to my friends and clients</title>
		<description><![CDATA[This is my plea to all of my clients past and present.  Even if we closed a mortgage earlier this year, even if you think you are upside down on your homes equity, even if you think for some reason that this recent outbreak of mortgage refinance activity will not apply to you&#8230;. you have [...]]]></description>
		<link>http://www.oregonmortgageblog.com/fha-mortgage/a-special-message-to-my-friends-and-clients/</link>
			</item>
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		<title>Mortgage rates below 4% ?</title>
		<description><![CDATA[Until recently the holy grail of 30 year fixed rate mortgages has been the 4.5% rate.  I saw that price appear for 90 minute windows a handful of times in 2009, but it was like a unicorn sighting&#8230;. brief and magical, and ultimately only spoken about in the hushed tones of mortgage legend. We have [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/mortgage-rates-below-4-percent/</link>
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		<title>How Income is calculated for loan approval in 2010</title>
		<description><![CDATA[The rules of the mortgage game keep changing.  Ultimately, the changes are a reflection of a much more risk averse lending environment.  It is increasingly difficult to get approved for a mortgage.  Now, don&#8217;t get me wrong, this  isn&#8217;t the end of the world, and if you have decent credit, and a stable and verifiable [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/how-income-is-calculated-for-loan-approval-in-2010/</link>
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		<title>Portland Mortgage Broker who is Accountable</title>
		<description><![CDATA[I was listening to the Adam Corolla show the other day and he was off on some rant about how horrible the airline industry has become.  Horrible customer service, zero pride or respect from airline employees.  I also heard an anecdote about the airline industry that each flight only makes an average profit of $100 [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/portland-mortgage-broker-who-is-accountable/</link>
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		<title>If your rate is above 4.5%</title>
		<description><![CDATA[I&#8217;ve been hearing the radio ads just like everyone else, and our favorite breathless loan cheerleader has lately been urging you to call him &#8220;if your rate is higher than 4.5%&#8221;.  I&#8217;m sure he would love to refinance you over and over again without any regard to if it makes sense for you. Lets say [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/if-your-rate-is-above-4-5/</link>
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		<title>Converting your IRA to a Roth = a great opportunity</title>
		<description><![CDATA[File this one under:  &#8220;Check with your financial planner and tax adviser before taking action&#8221;. So now that the Lebron&#8217;s choice episode is behind us we can focus on another reason why 2010 is a unique moment in our financial lives.   This year there is a moratorium on the Roth IRA rules.  If you are [...]]]></description>
		<link>http://www.oregonmortgageblog.com/financial-health/converting-your-ira-to-a-roth-a-great-opportunity/</link>
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		<title>Mortgage Rate Apocalypse</title>
		<description><![CDATA[From the industry that has been &#8220;crying wolf&#8221; for the last I don&#8217;t know how many years about &#8220;low low rates&#8221;, I know that this is just more noise.  I have been trying to figure out exactly how to describe what is happening lately in the fixed rate mortgage marketplace.  Because rates usually move in [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgage-rates/mortgage-rate-apocalypse/</link>
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		<title>Gift Funds for a Down Payment: What to Expect</title>
		<description><![CDATA[Most home buyers bring some kind of down payment to the table in a real estate purchase. The money down can come from any variety of sources, and a very common source of funds is that of the &#8220;family gift&#8221;. Different loan programs have different requirements when using gift funds as the down payment. Most [...]]]></description>
		<link>http://www.oregonmortgageblog.com/fha-mortgage/gift-funds-for-a-down-payment-what-to-expect/</link>
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		<title>Refinancing Could Be Easier Than You Think</title>
		<description><![CDATA[With interest rates absolutely plummeting and apparently staying low for some time here, I really want to get a message out to the huge contingent of people who feel like they WON&#8217;T qualify for a mortgage, or a refinance. I have had many conversations with clients in recent weeks who seem to be in disbelief [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgage-programs/refinancing-could-be-easier-than-you-think/</link>
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		<title>Good Politics, Bad Policy: Take Action Now</title>
		<description><![CDATA[There is a new Senate Bill that has recently been turned loose out of committee, and I believe that it is potentially disastrous for the Mortgage industry as we now know it. The area of concern is amendment (SA. 3962) offered by senators Merkley (D-OR) and Klobuchar (D-MN) to S. 3217, the “Restoring American Financial [...]]]></description>
		<link>http://www.oregonmortgageblog.com/financial-health/good-politics-bad-policy/</link>
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