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	<title>Utah Mortgage Loans &#187; fha</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>
	<lastBuildDate>Wed, 09 Jul 2008 17:50:38 +0000</lastBuildDate>
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		<title>Bad Credit?  FHA is your best friend</title>
		<link>http://utahmortgageloans.net/2008/07/09/bad-credit-fha-is-your-best-friend/</link>
		<comments>http://utahmortgageloans.net/2008/07/09/bad-credit-fha-is-your-best-friend/#comments</comments>
		<pubDate>Wed, 09 Jul 2008 17:50:38 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[fha]]></category>

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		<description><![CDATA[I neglect my blog, it&#8217;s true. But it&#8217;s time for another installment since I got the urge. Today&#8217;s post is to glorify FHA loans for borrowers with less-than-perfect credit, little credit history, high debt-to-income ratios, or little down payment funds available. Since my last post a year ago there have been vast changes in the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Utah Land Prices Getting Too Expensive?</title>
		<link>http://utahmortgageloans.net/2006/07/10/utah-land-prices-getting-too-expensive/</link>
		<comments>http://utahmortgageloans.net/2006/07/10/utah-land-prices-getting-too-expensive/#comments</comments>
		<pubDate>Mon, 10 Jul 2006 20:36:31 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[fha]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[utah real estate]]></category>

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		<description><![CDATA[It seems to be the case, at least for non-profit Habitat for Humanity, that rising land prices in the Saint George area have pretty much stopped new Habitat homes from being built. Check out this article from KSL. It&#8217;s hard for me to believe that there is no available land anywhere around Saint George for [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<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>

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		<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>
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		<slash:comments>0</slash:comments>
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		<title>IRS Decision Changes FHA Lending Landscape</title>
		<link>http://utahmortgageloans.net/2006/05/08/irs-decision-changes-fha-lending-landscape/</link>
		<comments>http://utahmortgageloans.net/2006/05/08/irs-decision-changes-fha-lending-landscape/#comments</comments>
		<pubDate>Tue, 09 May 2006 05:17:30 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[fha]]></category>
		<category><![CDATA[mortgage news]]></category>

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		<description><![CDATA[This is some pretty big news in the mortgage and real estate world. The IRS decided to rescind the &#8220;non-profit&#8221; status of organizations that enabled buyers to purchase a home with no down payment on an FHA guaranteed loan. Without &#8220;non-profit&#8221; status, the funds coming from said organizations are no longer acceptable for use under [...]]]></description>
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