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		Comment on How Higher Mortgage Rates Affect Payment by Should You Save for a Down Payment Or Buy a Home Now? &#124; Credit.com		</title>
		<link>https://sonomacountymortgages.com/2013/02/higher-rates-affect-payment/#comment-1039</link>

		<dc:creator><![CDATA[Should You Save for a Down Payment Or Buy a Home Now? &#124; Credit.com]]></dc:creator>
		<pubDate>Wed, 22 Apr 2015 04:21:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=6242#comment-1039</guid>

					<description><![CDATA[[&#8230;] point is, if you can afford a mortgage payment with today&#8217;s home prices and interest rates and you have at least a 5% down payment (or 3.5% FHA), as well as money for closing costs, it might [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] point is, if you can afford a mortgage payment with today&#8217;s home prices and interest rates and you have at least a 5% down payment (or 3.5% FHA), as well as money for closing costs, it might [&#8230;]</p>
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		Comment on FHA Mortgage Insurance Premiums Now .85% by When Saving Up For A Big Down Payment Does Not Make Sense - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/2015/01/fha-mortgage-insurance-85/#comment-1440</link>

		<dc:creator><![CDATA[When Saving Up For A Big Down Payment Does Not Make Sense - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Fri, 17 Apr 2015 02:48:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=11385#comment-1440</guid>

					<description><![CDATA[[&#8230;] home value/purchase price back then was $275,000 and you put down $9,625 at closing, the minimum FHA contribution [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] home value/purchase price back then was $275,000 and you put down $9,625 at closing, the minimum FHA contribution [&#8230;]</p>
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		Comment on Steps To Buying A Home: Where To Begin by How Much Cash Do You Really Need to Buy a Home? &#124; Credit.com		</title>
		<link>https://sonomacountymortgages.com/2011/11/buying-a-home-where-to-begin/#comment-705</link>

		<dc:creator><![CDATA[How Much Cash Do You Really Need to Buy a Home? &#124; Credit.com]]></dc:creator>
		<pubDate>Tue, 14 Apr 2015 04:20:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=3522#comment-705</guid>

					<description><![CDATA[[&#8230;] a first-time homebuyer today does not carry additional tax benefits or incentives like it did a few years ago when the [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] a first-time homebuyer today does not carry additional tax benefits or incentives like it did a few years ago when the [&#8230;]</p>
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		Comment on Mortgage Loan Programs by 3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/loan-program-choices/#comment-234</link>

		<dc:creator><![CDATA[3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Thu, 09 Apr 2015 23:13:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?page_id=3915#comment-234</guid>

					<description><![CDATA[[&#8230;] Loan Programs [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] Loan Programs [&#8230;]</p>
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		Comment on How To Document A Foreclosure, Short Sale Or Bankruptcy For Mortgage Lending by 3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/2014/01/foreclosureshortsalebankruptcy/#comment-1405</link>

		<dc:creator><![CDATA[3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Thu, 09 Apr 2015 23:13:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=9405#comment-1405</guid>

					<description><![CDATA[[&#8230;] for such financing is incredibly lenient. The FHA routinely signs off on previous unfortunate credit circumstances including short sale, foreclosure or even bankruptcy in the last few [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] for such financing is incredibly lenient. The FHA routinely signs off on previous unfortunate credit circumstances including short sale, foreclosure or even bankruptcy in the last few [&#8230;]</p>
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		<title>
		Comment on Are You Sure Renting Still Makes Sense? by 3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/2014/12/3-reasons-renting-questionable/#comment-1435</link>

		<dc:creator><![CDATA[3 Low Down Payment Options First Time Buyers Have To Get Their Foot In The Door - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Thu, 09 Apr 2015 23:13:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=11196#comment-1435</guid>

					<description><![CDATA[[&#8230;] Administration (FHA) with as little as 3.5% minimum down payment. Each program can help get a first-time buyer get in the door all with a 30 year fixed rate payment containing no banking prepayment penalties or [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] Administration (FHA) with as little as 3.5% minimum down payment. Each program can help get a first-time buyer get in the door all with a 30 year fixed rate payment containing no banking prepayment penalties or [&#8230;]</p>
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		Comment on How To Buy A Home By Selling Another by How To Refinance To A 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/2013/11/how-to-buy-house-sell-another/#comment-1354</link>

		<dc:creator><![CDATA[How To Refinance To A 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Wed, 08 Apr 2015 21:48:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=8820#comment-1354</guid>

					<description><![CDATA[[&#8230;] How coming into additional funds via selling another property? [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] How coming into additional funds via selling another property? [&#8230;]</p>
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		Comment on Get A Mortgage Rate Quote by How To Refinance To 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/mortgageratequote/#comment-138</link>

		<dc:creator><![CDATA[How To Refinance To 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Wed, 08 Apr 2015 21:48:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?page_id=2451#comment-138</guid>

					<description><![CDATA[[&#8230;] a mortgage? Get a 15 year fixed rate quote online [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] a mortgage? Get a 15 year fixed rate quote online [&#8230;]</p>
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		<title>
		Comment on 15 Year Fixed Rate Mortgages by How To Refinance To 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans		</title>
		<link>https://sonomacountymortgages.com/15-year-fixed-mortgages/#comment-345</link>

		<dc:creator><![CDATA[How To Refinance To 15 Year Mortgage Even If Your Financials Don&#8217;t Pencil - Sonoma County Mortgages &#124; Free Rate Quotes &#124; Loans]]></dc:creator>
		<pubDate>Wed, 08 Apr 2015 21:47:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?page_id=4448#comment-345</guid>

					<description><![CDATA[[&#8230;] the 15 mortgage payment and interest expense paid over the life of the loan. The concept of the 15 year mortgage is &#8216;I&#8217;m going to have hammer, bite and chew and claw my way through a higher mortgage [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] the 15 mortgage payment and interest expense paid over the life of the loan. The concept of the 15 year mortgage is &#8216;I&#8217;m going to have hammer, bite and chew and claw my way through a higher mortgage [&#8230;]</p>
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		Comment on Your House Will Not Appraise For A Refinance Or Will It? by A 15-Year Mortgage Can Save You $190K ... but Can You Get One? - Finance - realtor.com		</title>
		<link>https://sonomacountymortgages.com/2015/01/house-appraise-refinance/#comment-1439</link>

		<dc:creator><![CDATA[A 15-Year Mortgage Can Save You $190K ... but Can You Get One? - Finance - realtor.com]]></dc:creator>
		<pubDate>Wed, 08 Apr 2015 18:29:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.sonomacountymortgages.com/?p=11361#comment-1439</guid>

					<description><![CDATA[[&#8230;] grow their savings would be well-suited for a 15-year mortgage. The other school of thought is to refinance into a 30-year mortgage and then simply make a larger payment like you would on a 25-year, [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] grow their savings would be well-suited for a 15-year mortgage. The other school of thought is to refinance into a 30-year mortgage and then simply make a larger payment like you would on a 25-year, [&#8230;]</p>
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