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        <title>Lake Lanier Real Estate Blog - Covering Hall, Dawson, Forsyth, Gwinnett, and Jackson County GA! Subd</title>
        <link>http://www.lauraallenteam.com/blog/home-loans/</link>
        <description>Lake Lanier Real Estate news from the lake communities of Gainesville, Dawsonville, Cumming, Buford, Flowery Branch, and Oakwood in Hall, Dawson, Forsyth, and Gwinnett County, Georgia. We also cover Braselton and Chateau Elan in Jackson County, GA.</description>
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            <guid>http://www.lauraallenteam.com/blog/how-will-an-increase-in-mortgage-rates-affect-me.html</guid>
            <link>http://www.lauraallenteam.com/blog/how-will-an-increase-in-mortgage-rates-affect-me.html</link>
            <author>northgalife@northgalife.com (NorthGaLife.com Team)</author>
            <title>How will an Increase in Mortgage Rates Affect Me?</title>
            <description> <![CDATA[ 
To understand the effects of mortgage rates, we have to first understand how they work.&nbsp; Mortgage rates are based off of Mortgage Backed Securities.&nbsp; 

Mortgage Backed Securities (MBS) are basically investments in mortgage loans.&nbsp; MBS&rsquo;s represent mortgage bonds and are made up of pools of mortgages.&nbsp; MBS&rsquo;s are traded just like stocks and their value fluctuates on a daily basis.&nbsp; Rates are constantly changing just like stocks.&nbsp; Throughout a trading day, ... ]]> </description>
            <pubDate>Sun, 24 Jan 2010 19:37:01 -0600</pubDate>
                    </item>
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            <guid>http://www.lauraallenteam.com/blog/get-preapproved-for-a-loan-in-ga-why-should-you-get-pre-approved-for-a-mortgage.html</guid>
            <link>http://www.lauraallenteam.com/blog/get-preapproved-for-a-loan-in-ga-why-should-you-get-pre-approved-for-a-mortgage.html</link>
            <author>northgalife@northgalife.com (NorthGaLife.com Team)</author>
            <title>Get preapproved for a loan in GA! Why should you get pre-approved for a mortgage?</title>
            <description> <![CDATA[ 
Why should you get pre-approved for a 
mortgage?&nbsp;


Getting a pre-approval letter gives you 
substantial leverage.&nbsp; 

Sellers immediately see you as a serious buyer.&nbsp; 
Not only will you know the exact price range you can afford, you'll 
be able to negotiate a better deal and move faster when you see a house 
you like. &nbsp; You'll need to supply information to verify your income, 
credit history, debts and assets. Lender&rsquo;s will then issue a letter 
stating that you... ]]> </description>
            <pubDate>Mon, 30 Nov 2009 13:44:46 -0600</pubDate>
                    </item>
        <item>
            <guid>http://www.lauraallenteam.com/blog/a-primer-on-government-mortgage-programs.html</guid>
            <link>http://www.lauraallenteam.com/blog/a-primer-on-government-mortgage-programs.html</link>
            <author>northgalife@northgalife.com (NorthGaLife.com Team)</author>
            <title>A Primer on Government Mortgage Programs</title>
            <description> <![CDATA[ 
A Primer on Government Mortgage Programs



Government mortgage programs are often overlooked by both home buyers and mortgage professionals because of the stigma of having too much red tape.  Today this sentiment is fading because other financing options are drying up and home buyers are part of an enevitable &quot;flight to quality.&quot;  Below is a short primer on each type of the governemts there most popular loan types--USDA, FHA, and VA mortgages.  



FHA Loan Program



Federal H... ]]> </description>
            <pubDate>Thu, 05 Nov 2009 08:56:28 -0600</pubDate>
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