<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>Mortgages Done Right</title>
	<atom:link href="http://rochestermortgagenews.wordpress.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://rochestermortgagenews.wordpress.com</link>
	<description>by John Milano</description>
	<lastBuildDate>Sat, 27 Aug 2011 03:14:09 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='rochestermortgagenews.wordpress.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://0.gravatar.com/blavatar/6f2577615b648739efc15ca23b3eb860?s=96&#038;d=http%3A%2F%2Fs2.wp.com%2Fi%2Fbuttonw-com.png</url>
		<title>Mortgages Done Right</title>
		<link>http://rochestermortgagenews.wordpress.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://rochestermortgagenews.wordpress.com/osd.xml" title="Mortgages Done Right" />
	<atom:link rel='hub' href='http://rochestermortgagenews.wordpress.com/?pushpress=hub'/>
		<item>
		<title>Don&#8217;t Give Up On Fannie Mae Yet</title>
		<link>http://rochestermortgagenews.wordpress.com/2011/08/26/dont-give-up-on-fannie-mae-yet/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2011/08/26/dont-give-up-on-fannie-mae-yet/#comments</comments>
		<pubDate>Sat, 27 Aug 2011 03:14:06 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=81</guid>
		<description><![CDATA[Fannie Mae (FNM : 0.2461, -0.0455) and Freddie Mac (FRE : 0.34, -0.02) are two of the most hated agencies on Wall Street. These quasi government agencies are blamed for much of the problems related to the housing crisis. They are criticized for backing risky loans and encouraging an environment of risk taking by guaranteeing liar loans. Many politicians and citizens [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=81&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2011/08/26/dont-give-up-on-fannie-mae-yet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>

		<media:content url="http://www.istockanalyst.com/images/ropen.gif" medium="image" />

		<media:content url="http://www.istockanalyst.com/images/ropen.gif" medium="image" />

		<media:content url="http://images.intellitxt.com/ast/adTypes/mag-glass_10x10.gif" medium="image" />

		<media:content url="http://images.intellitxt.com/ast/adTypes/mag-glass_10x10.gif" medium="image" />
	</item>
		<item>
		<title>When To Consider An Adjustable Rate Mortgage</title>
		<link>http://rochestermortgagenews.wordpress.com/2011/06/25/when-to-consider-an-adjustable-rate-mortgage/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2011/06/25/when-to-consider-an-adjustable-rate-mortgage/#comments</comments>
		<pubDate>Sat, 25 Jun 2011 15:58:46 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=75</guid>
		<description><![CDATA[If you have heard the word ARM in the mortgage business I assure it doesn&#8217;t get followed with &#8220;and a leg&#8221; although many people feel that&#8217;s what it takes to get approved these days.  What it does stand for is &#8220;adjustable rate mortgage&#8221; and simply put, it is an interest rate that can adjust based on the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=75&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2011/06/25/when-to-consider-an-adjustable-rate-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
		<item>
		<title>Mortgage Broker -vs- Big Bank</title>
		<link>http://rochestermortgagenews.wordpress.com/2011/06/02/mortgage-broker-vs-bank/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2011/06/02/mortgage-broker-vs-bank/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 05:53:57 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=66</guid>
		<description><![CDATA[If I had a dollar every time I was asked &#8220;why should I use a mortgage broker instead of my bank&#8221; I probably wouldn&#8217;t be writing this blog.  Now, you may think I am biased since I run a mortgage broker business but let me say &#8220;aha&#8221;  to you because in my 25 year career I have [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=66&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2011/06/02/mortgage-broker-vs-bank/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>

		<media:content url="http://rochestermortgagenews.files.wordpress.com/2011/06/betterrate2.jpg" medium="image">
			<media:title type="html">betterRate[2]</media:title>
		</media:content>
	</item>
		<item>
		<title>Selling Your Home? 5 Tips You Need To Know</title>
		<link>http://rochestermortgagenews.wordpress.com/2011/03/26/selling-your-home-5-tips-you-need-to-know/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2011/03/26/selling-your-home-5-tips-you-need-to-know/#comments</comments>
		<pubDate>Sat, 26 Mar 2011 18:27:26 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Home Sellers]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=58</guid>
		<description><![CDATA["NOT KNOWING THE PROPER VALUE OF A HOME IS THE NUMBER ONE MISTAKE THAT FOR SALE BY OWNERS MAKE".
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=58&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2011/03/26/selling-your-home-5-tips-you-need-to-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
		<item>
		<title>First Time Buyers Use FHA Financing To Buy Multi-Units!</title>
		<link>http://rochestermortgagenews.wordpress.com/2011/02/09/first-time-buyers-use-fha-financing-to-buy-multi-units/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2011/02/09/first-time-buyers-use-fha-financing-to-buy-multi-units/#comments</comments>
		<pubDate>Wed, 09 Feb 2011 19:29:34 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Real Estate Agents]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=37</guid>
		<description><![CDATA[The timing is still right to buy a home, rates are down and it’s a buyers market. Could it get any better? You bet! How about buying your first home that is a 2, 3 or 4 family? Not only will you have an income stream coming in, you will also have a great start [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=37&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2011/02/09/first-time-buyers-use-fha-financing-to-buy-multi-units/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
		<item>
		<title>Are You Still Renting?</title>
		<link>http://rochestermortgagenews.wordpress.com/2010/11/17/are-you-still-renting/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2010/11/17/are-you-still-renting/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 17:49:45 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Renters]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=34</guid>
		<description><![CDATA[To many of my loyal blog readers i&#8217;m sure this is going to sound repetitive, but I really can&#8217;t say it enough&#8230;GET OUT THERE AND BUY!  As of this writing we are seeing APR&#8217;s (annual percentage rate) in the very low 4 percent range.  This is truly amazing, it is like legally stealing money from [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=34&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2010/11/17/are-you-still-renting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.110073 -77.623299</georss:point>
		<geo:lat>43.110073</geo:lat>
		<geo:long>-77.623299</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
		<item>
		<title>Be Careful What You Wish For</title>
		<link>http://rochestermortgagenews.wordpress.com/2010/03/04/be-careful-what-you-wish-for/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2010/03/04/be-careful-what-you-wish-for/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 12:24:07 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Loan Officers]]></category>
		<category><![CDATA[Mortgage Industry Changes]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=27</guid>
		<description><![CDATA[Well, well, well, here I am deep into the Red Flag Rules, the Grahmm-Leach-Bliyley Act, RESPA, TIL, Section 32, Reg Z, Reg X, Reg C, so on, and so on, and so on.  So&#8230; how do I feel now? I asked for it, I got it.  Those that know me personally, know that I have [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=27&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2010/03/04/be-careful-what-you-wish-for/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.109974 -77.623997</georss:point>
		<geo:lat>43.109974</geo:lat>
		<geo:long>-77.623997</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
		<item>
		<title>2010- The Year Of Change</title>
		<link>http://rochestermortgagenews.wordpress.com/2010/01/01/2010-the-year-of-change-2/</link>
		<comments>http://rochestermortgagenews.wordpress.com/2010/01/01/2010-the-year-of-change-2/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 17:15:06 +0000</pubDate>
		<dc:creator>rochestermortgagenews</dc:creator>
				<category><![CDATA[Mortgage Industry Changes]]></category>
		<category><![CDATA[Real Estate Agents]]></category>

		<guid isPermaLink="false">http://rochestermortgagenews.wordpress.com/?p=13</guid>
		<description><![CDATA[Well here we are, another year gone by and if you are in the Real Estate business as either a Realtor or mortgage professional you probably didn&#8217;t let the door hit you in the tush. So where does that leave us?  The first word that comes to mind is &#8220;patience&#8221;. For the first time in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=rochestermortgagenews.wordpress.com&amp;blog=10811836&amp;post=13&amp;subd=rochestermortgagenews&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://rochestermortgagenews.wordpress.com/2010/01/01/2010-the-year-of-change-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>43.109974 -77.623997</georss:point>
		<geo:lat>43.109974</geo:lat>
		<geo:long>-77.623997</geo:long>
		<media:content url="http://1.gravatar.com/avatar/5d0054d32ce69c90dcaea399ce65fa32?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">rochestermortgagenews</media:title>
		</media:content>
	</item>
	</channel>
</rss>
