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	<title>Oregon Mortgage Blog</title>
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	<description>Portland Mortgage Broker James Adair NMLS 272766</description>
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		<title>Why is Mortgage Underwriting So Crazy?</title>
		<description><![CDATA[Why is the loan approval process so difficult these days? Well,  the answer is complicated. The truth is that the approval and funding process for a conforming, FHA, or VA, government insured mortgage has never been more complex since I’ve been in the business (since 2003). To get to the root of this issue we [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/mortgage-underwriting/</link>
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		<title>New HARP loan &#8220;HARP 2&#8243; + new FHA loan limits 2011</title>
		<description><![CDATA[Christmas might be coming early for homeowners in Oregon and Washington!  The Obama administration has been putting pressure on banks to come up with ways to extend opportunities to refinance into lower rates in recent months, and it appears that we&#8217;re getting some movement on this finally.  The original HARP loan (aka: Home Affordable Refinance [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/new-harp-loan/</link>
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		<title>Is it Possible to Buy Real Estate with Less Than 20% Down?</title>
		<description><![CDATA[A realtor colleague of mine was recently relating his shock to me about how often he is talking to renters who aren&#8217;t considering buying real estate because they are under the impression that a purchase requires a 20% down payment.  This idea couldn&#8217;t be further from the truth, and this message is sadly often relayed [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/real-estate-down-payments/</link>
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		<title>Operation Twist = Mortgage Rate Bonanza</title>
		<description><![CDATA[Yesterday&#8217;s announcement from the Fed&#8217;s quarterly meeting was a major market mover&#8211;especially for mortgage rates.  Ben Bernanke announced the initiation of something called &#8216;operation twist&#8217;, which many market observers were prepared for, but my understanding is the tone of the announcement really made the bond market jump to levels never before seen, with the result [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/operation-twist/</link>
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		<title>How Does the Debt Ceiling Affect Mortgage Rates?</title>
		<description><![CDATA[This debate is unavoidable, so I won&#8217;t try to establish any context for this blog post.  I&#8217;ll just try to keep this very simple for those of you who are searching for some quick perspective on how this current debt ceiling debate might impact residential mortgage rates and fees. ***DISCLAIMER*** I am not an economist. [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/how-does-the-debt-ceiling-affect-mortgage-rates/</link>
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		<title>How to save your money: Webinar invitation</title>
		<description><![CDATA[&#8220;Establishing your cash reserve:  the first step to financial safety&#8221; Join James Adair from Portland Home Loan for a Webinar on July 28: 12:15-12:50  (during your lunch hour) Space is limited. Reserve your Webinar seat now at: YES! I WOULD LIKE TO REGISTER FOR THE WEBINAR What exactly will we discuss? The first step to [...]]]></description>
		<link>http://www.oregonmortgageblog.com/financial-health/how-to-save-your-money/</link>
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		<title>What To Do If You Are Underwater On Your House</title>
		<description><![CDATA[Many of us are finding ourselves living in homes worth less than we paid to purchase them (myself included).  Some of us purchased with a down payment, to find that equity we started with evaporating at what seems to be an alarming and relentless clip.  Some of us purchased with little or no money down [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/what-to-do-if-you-are-underwater-on-your-house/</link>
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		<title>FHA Streamline: How to Qualify</title>
		<description><![CDATA[I should have subtitled this post: &#8220;Why you might NOT Qualify&#8221; The FHA mortgage continues to be one of the most popular mortgages in Portland.  The reason for this is undoubtedly its FLEXIBILITY.  The FHA loan is the easiest to qualify for, requires the least amount of cash, has the lowest credit requirements, allows for [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/fha-how-to-qualify/</link>
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		<title>Low Rates and the Return of Private Mortgage Insurance (PMI)</title>
		<description><![CDATA[Its happening again.  Rates are tumbling and tumbling more.  I read recently that avoiding closing costs in a declining rate environment is a wise approach and I completely agree.  By avoiding closing costs two things happen: 1. The net benefit of the improved cash flow is immediately realized, and 2. You are in a position [...]]]></description>
		<link>http://www.oregonmortgageblog.com/mortgages/low-rates-and-the-return-of-pmi/</link>
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		<title>Free Resources for Divorcing Couples in Portland, Oregon</title>
		<description><![CDATA[If someone you know is contemplating a divorce, do them a favor and send them a link to this blog post.  Helping families in a divorce is one of my core services as a mortgage professional.  I can help families get their finances and debts clarified and organized, as well as help them make clear [...]]]></description>
		<link>http://www.oregonmortgageblog.com/financial-health/free-resources-for-divorce/</link>
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