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	<title>Phoenix Home Mortgage Blog</title>
	<link>http://dkhomeloans.com/phoenix-home-mortgage</link>
	<description>Your Phoenix, Arizona Mortgage Resource</description>
	<lastBuildDate>Fri, 23 Jul 2010 23:47:37 +0000</lastBuildDate>
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	<item>
		<title>Can I Purchase A Home If My Spouse Has A Short Sale?</title>
		<description><![CDATA[Short sales, in most cases, are one of the most economical solutions for all parties involved when a borrower can no longer afford their home. The bank typically incurs a smaller financial loss than would result from an ultimate foreclosure or continued delinquency on the mortgage payments. Borrowers may be able to soften the overall [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/can-i-purchase-a-home-if-my-spouse-has-a-short-sale/</link>
			</item>
	<item>
		<title>Four Possible Reasons To Refinance Your Phoenix Home Mortgage</title>
		<description><![CDATA[Unless you have a really expensive car, a mortgage is typically the largest debt most Phoenix homeowners have to manage. It&#8217;s always a good idea to give your personal real estate portfolio a check-up at least once a year.
Since there are many reasons a homeowner may choose to refinance their Phoenix home mortgage, we&#8217;ll take a look at the four most common.
1. Mortgage [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/four-possible-reasons-to-refinance-your-phoenix-home-mortgage/</link>
			</item>
	<item>
		<title>Do I Need To Sell My Phoenix Home Before I Can Qualify For A New Mortgage On Another Property in Phoenix?</title>
		<description><![CDATA[Although every situation is unique, it is still possible to qualify to purchase a new home while keeping your current primary residence in Phoenix.  
Perhaps you are outgrowing your current house, or have been forced to relocate due to a job transfer? Regardless of the motivation for keeping one property while purchasing another, let’s address this question with the Phoenix home mortgage [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/do-i-need-to-sell-my-phoenix-home-before-i-can-qualify-for-a-new-mortgage-on-another-property-in-phoenix/</link>
			</item>
	<item>
		<title>Ten Credit Do&#8217;s and Don&#8217;ts Prior To Getting Your Phoenix Mortgage Loan</title>
		<description><![CDATA[How can a fully approved loan get denied for funding after the borrower has signed loan docs?

Simple, the underwriter pulls an updated credit report to verify that there hasn&#8217;t been any new activity since original approval was issued, and the new findings kill the loan.
In the past, this generally wouldn&#8217;t happen.  However, after June 01, [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/ten-credit-dos-and-donts-prior-to-getting-your-phoenix-mortgage-loan/</link>
			</item>
	<item>
		<title>Seven Things Your Phoenix Real Estate Agent Should Know About Your Mortgage Approval</title>
		<description><![CDATA[
Many experienced real estate agents in the Phoenix metropolitan are have a general understanding of the mortgage approval process, but there are a few important details that frequently get overlooked which may cause your loan to be delayed or denied when you&#8217;re buying your new home.
New Federal and State regulation, updated disclosure policies, appraisal guidelines, interest rate [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/seven-things-your-phoenix-real-estate-agent-should-know-about-your-mortgage-approval/</link>
			</item>
	<item>
		<title>Even Great Warriors Die In Battle</title>
		<description><![CDATA[For many, 2010 will undoubtedly prove to be one of the toughest years in the mortgage industry.  The underwriting guidelines still continue to change daily, government regulation and intervention is at an all-time high, legislation is being proposed to change compensation models for Loan Originators, more fraud verification policies are being put in place to protect lenders adding confusion, borrowers are forced to [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/even-great-warriors-die-in-battle/</link>
			</item>
	<item>
		<title>Looking to Purchase a Home With a Low Down Payment in Phoenix? HomePath Financing May Be Right For You</title>
		<description><![CDATA[
So you’re in the market to purchase a home in Phoenix, Arizona?  You’ve saved your money, but were hoping to find something with a low down payment.  Unfortunately, most of the affordable houses in your price range are unable to be financed with a FHA home loan.  It is beginning to seem like your only [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/purchase-home-low-down-payment-phoenix-homepath-financing/</link>
			</item>
	<item>
		<title>Mortgage Industry Changes in 2010 &#8211; Good Faith Estimate</title>
		<description><![CDATA[You have probably heard the buzz by now: Big changes are happening in the mortgage lending industry, triggered by new requirements under the Real Estate Settlement Procedures Act (RESPA), which governs many of the processes and procedures that mortgage lenders and brokers must follow in order to comply with the law and to ensure consumers [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/mortgage-industry-changes-in-2010-good-faith-estimate/</link>
			</item>
	<item>
		<title>Is 100% Financing Still Available For Purchasing a Home in Arizona?</title>
		<description><![CDATA[
USDA Home Loans - 100% Financing 
If you&#8217;re interested in purchasing a home in Arizona but don&#8217;t have the available resources for a down payment, look no further than the U.S. Department of Agriculture (USDA) Home Loan.  The USDA has a guaranteed home loan program available to help individuals and families purchase a home in Arizona located in certain qualified rural areas.
How do you qualify [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/is-100-financing-still-available-for-purchasing-a-home-in-arizona/</link>
			</item>
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		<title>Mortgage Revolution: How One Event Changed My Life</title>
		<description><![CDATA[Its Wednesday, January 13th 7:30 am and I am sitting in my office in Phoenix.  I’ve just returned from Atlanta, GA after a 3-day event called Mortgage Revolution.  I have hundreds of emails to return, many voicemails and I’m putting on a 3-hour seminar this afternoon to 35 Real Estate professionals, which I desperately should [...]]]></description>
		<link>http://dkhomeloans.com/phoenix-home-mortgage/mortgage-revolution-how-one-event-changed-my-life/</link>
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