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	<title>Utah Mortgage Loans &#187; mortgage news</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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		<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>
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		<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>

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		<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>
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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>Utah Mortgage Rates on the Rise</title>
		<link>http://utahmortgageloans.net/2006/10/17/utah-mortgage-rates-on-the-rise/</link>
		<comments>http://utahmortgageloans.net/2006/10/17/utah-mortgage-rates-on-the-rise/#comments</comments>
		<pubDate>Wed, 18 Oct 2006 00:26:09 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[adjustable rate mortgages]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgages in utah]]></category>
		<category><![CDATA[utah mortgage rates]]></category>

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		<description><![CDATA[Rates have recently jumped up some, reaching their highest levels in the past several years.Â  With many people having ARMs (adjustable-rate mortgages), there are many with good reason to refinance into a fixed rate program or something similar before rate adjustments take place. Typically, an ARM will adjust by 1% maximum in a single year, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<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>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/07/10/utah-land-prices-getting-too-expensive/</guid>
		<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>
		</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>
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		<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>Mortgage Fraud Doubles from 2004 to 2005</title>
		<link>http://utahmortgageloans.net/2006/05/22/mortgage-fraud-doubles-from-2004-to-2005/</link>
		<comments>http://utahmortgageloans.net/2006/05/22/mortgage-fraud-doubles-from-2004-to-2005/#comments</comments>
		<pubDate>Mon, 22 May 2006 21:00:56 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
				<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[utah mortgage business]]></category>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/22/mortgage-fraud-doubles-from-2004-to-2005/</guid>
		<description><![CDATA[The FBI has reported that mortgage fraud losses in the United States more than doubled from 2004 to 2005.Â  The exact figures are $1 billion in 2005, up from $429 million in 2004.Â  Utah was listed in the top 10 states for mortgage fraud activity in 2004, per capita, according to the same report. I&#8217;ve [...]]]></description>
		<wfw:commentRss>http://utahmortgageloans.net/2006/05/22/mortgage-fraud-doubles-from-2004-to-2005/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>

		<guid isPermaLink="false">http://utahmortgageloans.net/2006/05/08/irs-decision-changes-fha-lending-landscape/</guid>
		<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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		<slash:comments>0</slash:comments>
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