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	<title>Central Ohio Mortgage Loans</title>
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	<link>http://centralohioloan.com</link>
	<description>This is an informative site brought to you by Mike Kennedy and Union Savings Bank</description>
	<lastBuildDate>Wed, 24 Feb 2010 22:48:56 +0000</lastBuildDate>
	
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		<title>Hurry! The $8,000 first-time buyer tax credit expires soon.</title>
		<link>http://centralohioloan.com/hurry-the-8000-first-time-buyer-tax-credit-expires-soon-4/</link>
		<comments>http://centralohioloan.com/hurry-the-8000-first-time-buyer-tax-credit-expires-soon-4/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 22:48:56 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=884</guid>
		<description><![CDATA[If you, or someone you know, is thinking of buying a first home in Columbus or Central Ohio in the next year, there’s no better time than right now. Not only can you take advantage of historically-low interest rates and still very affordable house prices, the $8,000 federal government tax credit is still available. But [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Thomas Jefferson&#8217;s 10 Rules</title>
		<link>http://centralohioloan.com/thomas-jeffersons-10-rules/</link>
		<comments>http://centralohioloan.com/thomas-jeffersons-10-rules/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 04:22:35 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=860</guid>
		<description><![CDATA[
A little off subject today but these rules are timeless.



1)  Never put off till tomorrow what you can do today.
2)  Never trouble another for what you can do yourself.
3)  Never spend your money before you have it.
4)  Never buy what you do not want because it is cheap; it will never be dear to you.
5)  [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Central Ohio Home Loan:  Changes to FHA</title>
		<link>http://centralohioloan.com/central-ohio-home-loan-fh/</link>
		<comments>http://centralohioloan.com/central-ohio-home-loan-fh/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 19:41:25 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=242</guid>
		<description><![CDATA[Central Ohio Home Loan:  Changes to FHA
Borrowers looking for a FHA home loan in Columbus or Central Ohio should be aware of the upcoming policy changes at FHA.  The changes were deemed necessary to reduce the portfolio’s risk and for FHA to remain solvent.
The 3 major changes are:

Upfront      mortgage insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>203K Streamline: Central Ohio Mortgage Loan</title>
		<link>http://centralohioloan.com/203k-streamlin/</link>
		<comments>http://centralohioloan.com/203k-streamlin/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 03:00:43 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>
		<category><![CDATA[Refinance Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=236</guid>
		<description><![CDATA[How to Get an FHA Streamlined Renovation 203(ks) Loan
 
// Streamlined 203(ks) Loans Allow for Repairs up to $35,000
If you&#8217;ve been passing up buying a home that requires cosmetic repairs for lack of funds to fix them up, Union Savings Bank &#38; FHA have a program for you. Not to be confused with FHA&#8217;s much [...]]]></description>
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		<slash:comments>30</slash:comments>
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		<title>Central Ohio Mortgage Loans: Resubordination</title>
		<link>http://centralohioloan.com/central-ohio-mortgage-loa/</link>
		<comments>http://centralohioloan.com/central-ohio-mortgage-loa/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 14:57:55 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Refinance Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=232</guid>
		<description><![CDATA[Resubordination can hamper refinance:
Many borrowers have recently come across a similar situation.  You locked in a very competitive interest rate for a refinance only to run into a problem with a resubordination.
If you have an equity loan or line of credit the equity lender must approve the new refinance.  This can cause a myriad of [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Columbus Home Loans: FHA or Conventional</title>
		<link>http://centralohioloan.com/columbus-home-loans-fha-refi/</link>
		<comments>http://centralohioloan.com/columbus-home-loans-fha-refi/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 12:23:18 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>
		<category><![CDATA[Refinance Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=219</guid>
		<description><![CDATA[

Columbus and Central Ohio Home Loans: FHA or Conventional
Many Central Ohio Home Loan borrowers are unsure which loan product is best for them FHA or Conventional.  Each product has its own merits.









FHA


Conventional




Pros

Easier Credit Qualification
Lower Down Payment (Purchase)
Allows Gift Funds
No Mandated Loan Limits
No Upfront MI
Lower Costs
Fewer Bureaucratic Hurdles



Cons

Upfront MI
Higher Costs
Tighter Appraisal Guidelines
Mandated Loan Limits
Higher Credit Score [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Columbus Mortgage Loans: What are delivery fees?</title>
		<link>http://centralohioloan.com/columbus-ohio-loan-refinance/</link>
		<comments>http://centralohioloan.com/columbus-ohio-loan-refinance/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 20:09:25 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>
		<category><![CDATA[Refinance Information]]></category>
		<category><![CDATA[Refiance Information]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=123</guid>
		<description><![CDATA[Columbus and Central Ohio Mortgage Loans:  What are delivery fees?
Many customers looking for a conventional refinance or purchase find the rate they are looking for, terms they like and are ready to go only to be blindsided by a new fee that seemingly came out of nowhere a so called delivery fee.
Delivery fees are secondary [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What not to do when you are in contract.</title>
		<link>http://centralohioloan.com/columbus-ohio-home-loan/</link>
		<comments>http://centralohioloan.com/columbus-ohio-home-loan/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 11:19:20 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Info]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=107</guid>
		<description><![CDATA[Columbus, Ohio Home Loans …. What not to do when you are in contract!
 
 
You have found your dream house.  You are pre-approved.  Your contract has been accepted.  Your mortgage papers are in order.  All seems well, you are on your way to getting the house you always wanted.  [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New home loan program Columbus, Ohio</title>
		<link>http://centralohioloan.com/new-home-loan-program-columbus-ohio/</link>
		<comments>http://centralohioloan.com/new-home-loan-program-columbus-ohio/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 01:40:01 +0000</pubDate>
		<dc:creator>Mike Kennedy</dc:creator>
				<category><![CDATA[Home Loans Columbus, OH]]></category>
		<category><![CDATA[Purchase Information]]></category>
		<category><![CDATA[New Home Purchase]]></category>

		<guid isPermaLink="false">http://centralohioloan.com/?p=67</guid>
		<description><![CDATA[Grants for Grads Program from OHFA &#8230; New Home Loan Program in Columbus, Ohio


 
Recent college graduates looking for a home loan in the Columbus, Ohio area, including those earning postgraduate degrees, can now received down payment and closing cost assistance and a favorable mortgage interest rate though  OHFA’s Grants for Grads Program.  Eligible borrowers [...]]]></description>
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		<slash:comments>21</slash:comments>
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