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	<title>Utah Mortgage Loans &#187; commentary</title>
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	<link>http://utahmortgageloans.net</link>
	<description>I'm a licensed mortgage professional based in Salt Lake City, Utah, with Sun Valley Mortgage.  I've been in the mortgage business since 1998 (in one form or another).  Feel free to call me anytime at 801-376-2289.</description>
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		<item>
		<title>Been a While</title>
		<link>http://utahmortgageloans.net/2007/08/07/been-a-while/</link>
		<comments>http://utahmortgageloans.net/2007/08/07/been-a-while/#comments</comments>
		<pubDate>Wed, 08 Aug 2007 03:31:44 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[misc]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[utah real estate]]></category>
		<category><![CDATA[utah sports]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2007/08/07/been-a-while/</guid>
		<description><![CDATA[Gads I haven&#8217;t posted in quite some time. Summer has flown by. The wholesale mortgage landscape is going crazy right now &#8211; subprime lenders are dropping like flies. It&#8217;ll be interesting to see how it all plays out. In other Utah news&#8230; football season is almost here and this year should be a fun one [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Business is Changing</title>
		<link>http://utahmortgageloans.net/2007/03/30/mortgage-business-is-changing/</link>
		<comments>http://utahmortgageloans.net/2007/03/30/mortgage-business-is-changing/#comments</comments>
		<pubDate>Fri, 30 Mar 2007 18:47:44 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[mortgage news]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2007/03/30/mortgage-business-is-changing/</guid>
		<description><![CDATA[For those of you who aren&#8217;t already aware, the mortgage business is going through a period of self-correction right now. By that I mean there are several loan programs that have drastically changed or gone completely extinct over the past month or two. This is both good and bad news. Many have criticized the biggest [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2007/03/30/mortgage-business-is-changing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Trolley Square</title>
		<link>http://utahmortgageloans.net/2007/02/13/trolley-square/</link>
		<comments>http://utahmortgageloans.net/2007/02/13/trolley-square/#comments</comments>
		<pubDate>Tue, 13 Feb 2007 17:03:26 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2007/02/13/trolley-square/</guid>
		<description><![CDATA[Somehow, I doubt there will ever be a satisfactory answer to the question &#8220;why?&#8221; relating to the killing spree last night at Trolley Square.Â  Words fail to express what one feels and thinks at times like these, yet a desire to reach out to victims and families of victims won&#8217;t allow for comfortable silence. I [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Fraud to be a Felony in Utah?</title>
		<link>http://utahmortgageloans.net/2006/11/17/mortgage-fraud-to-be-a-felony-in-utah/</link>
		<comments>http://utahmortgageloans.net/2006/11/17/mortgage-fraud-to-be-a-felony-in-utah/#comments</comments>
		<pubDate>Fri, 17 Nov 2006 22:59:05 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgages in utah]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/11/17/mortgage-fraud-to-be-a-felony-in-utah/</guid>
		<description><![CDATA[Inman News published a report that we may be seeing some new legislation that would mortgage fraud a second degree felony here in Utah.Â  We&#8217;re currently the second worst state in the nation for mortgage fraud (source), per capita. As it stands now, the bill would view mortgage fraud much like racketeering, which would allow [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Effects of Higher Interest Rates on Utah Homeowners</title>
		<link>http://utahmortgageloans.net/2006/06/12/effects-of-higher-interest-rates-on-utah-homeowners/</link>
		<comments>http://utahmortgageloans.net/2006/06/12/effects-of-higher-interest-rates-on-utah-homeowners/#comments</comments>
		<pubDate>Mon, 12 Jun 2006 21:08:35 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[mortgage questions]]></category>
		<category><![CDATA[mortgages in utah]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/06/12/effects-of-higher-interest-rates-on-utah-homeowners/</guid>
		<description><![CDATA[Interest rate movements are about as well understood as some of the decisions made by Utah Jazz management.Â  Most of us can only scratch our heads and wonder why things happen the way they do.Â  However, that doesn&#8217;t mean a quick analysis of change won&#8217;t yield some beneficial insight. What do higher interest rates mean [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/06/12/effects-of-higher-interest-rates-on-utah-homeowners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buyers Fund Still Non-Profit</title>
		<link>http://utahmortgageloans.net/2006/06/02/buyers-fund-still-non-profit/</link>
		<comments>http://utahmortgageloans.net/2006/06/02/buyers-fund-still-non-profit/#comments</comments>
		<pubDate>Fri, 02 Jun 2006 16:46:06 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[utah mortgage business]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/06/02/buyers-fund-still-non-profit/</guid>
		<description><![CDATA[I recently posted about the IRS rescinding tax-exempt status from several non-profits acting as down-payment-assistance (DPA) charities, and how this would hurt buyers with low down payment money and some bumps in their credit.Â  Well, there&#8217;s still at least one DPA organization that is conducting business as usual, with full endorsement from the IRS and [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/06/02/buyers-fund-still-non-profit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Accredited to Acquire Aames</title>
		<link>http://utahmortgageloans.net/2006/05/25/accredited-to-acquire-aames/</link>
		<comments>http://utahmortgageloans.net/2006/05/25/accredited-to-acquire-aames/#comments</comments>
		<pubDate>Thu, 25 May 2006 17:55:34 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[mortgage news]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/25/accredited-to-acquire-aames/</guid>
		<description><![CDATA[There is a great deal of m&#038;a (mergers and acquisitions) happening in the mortgage world right now.Â  The latest news is that Accredited Home Loans will be acquiring Aames Investment Corp. The company believes they will become the sixth largest retail mortgage originator in the country once the acquisition is complete. Both Accredited and Aames [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/05/25/accredited-to-acquire-aames/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>An Acre of Forest for a 2300 Square-foot Home?</title>
		<link>http://utahmortgageloans.net/2006/05/19/an-acre-of-forest-for-a-2300-square-foot-home/</link>
		<comments>http://utahmortgageloans.net/2006/05/19/an-acre-of-forest-for-a-2300-square-foot-home/#comments</comments>
		<pubDate>Fri, 19 May 2006 18:07:59 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[utah real estate]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/19/an-acre-of-forest-for-a-2400-square-foot-home/</guid>
		<description><![CDATA[Wow. That&#8217;s all I could think when I read the following from Inman News: Ask most home builders these days what they sell, and they&#8217;ll say a lifestyle. In most cases, this means a house on the outer fringes of suburbia with a yard for the kids and a garden for the folks. The house [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/05/19/an-acre-of-forest-for-a-2300-square-foot-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>My Utah Mortgage Lender License Has Arrived</title>
		<link>http://utahmortgageloans.net/2006/05/08/my-utah-mortgage-lender-license-has-arrived/</link>
		<comments>http://utahmortgageloans.net/2006/05/08/my-utah-mortgage-lender-license-has-arrived/#comments</comments>
		<pubDate>Tue, 09 May 2006 00:16:38 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[utah mortgage business]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/08/my-utah-mortgage-lender-license-has-arrived/</guid>
		<description><![CDATA[It came earlier than anticipated (after several other delays).Â  I&#8217;m glad to report that I&#8217;m now officially able to originate mortgage loans in Utah again.Â  Actually, I&#8217;m able to originate in several states as well. Now I&#8217;ll have to find more to post about than the licensing process&#8230; stay tuned.]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/05/08/my-utah-mortgage-lender-license-has-arrived/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Great Loan Officer Migration of 2006</title>
		<link>http://utahmortgageloans.net/2006/05/04/the-great-loan-officer-migration-of-2006/</link>
		<comments>http://utahmortgageloans.net/2006/05/04/the-great-loan-officer-migration-of-2006/#comments</comments>
		<pubDate>Thu, 04 May 2006 21:14:01 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[commentary]]></category>
		<category><![CDATA[utah mortgage business]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/04/the-great-loan-officer-migration-of-2006/</guid>
		<description><![CDATA[While I&#8217;m twiddling my thumbs waiting for my Utah mortgage lender license to show up in the mail, I figured I&#8217;d make a quick post regarding one of the delays at the State office. You see, Utah recently introduced a new rule that all loan officers must work under a Principal Lending Manager (PLM). The [...]]]></description>
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		<slash:comments>0</slash:comments>
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