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	<title>CA HomeMortgage (.net)</title>
	<link>http://cahomemortgage.net</link>
	<description>Cutting Edge Information To Help You Save Time And Money When Mortgage Shopping</description>
	<lastBuildDate>Fri, 01 Jan 2010 18:11:23 +0000</lastBuildDate>
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		<title>Dedicated To Answering Your Mortgage Questions</title>
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		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>Should You Refinance If You Can Drop Your Rate By 1%?</title>
		<description><![CDATA[I&#8217;ve seen articles where so-called financial experts advise refinancing a California (CA) home mortgage only if you can drop your rate by 1.0% or more.&#160; This is WAY over-simplified in my opinion.&#160; In some situations it may make sense at 0.250% and in others it may not make sense at 1.500%.&#160; Consider these two scenario&#8217;s:
John [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>Can A Lender &#8216;Guarantee&#8217; You An Interest Rate For &#8220;x&#8221; Number of Days?</title>
		<description><![CDATA[A client called me yesterday and said she&#8217;d received a letter from a lender who &#8216;guaranteed&#8217; her a rate of 4.750% for the next 30 days. If rates change several times per day &#8211; how is this possible?&#160; Well, that&#8217;s a simple one: if rates get worse during that time frame they simply increase the [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>The Best Mortgage Shopping Strategy In Existence</title>
		<description><![CDATA[First, you have to decide if you are actually a California (CA) home mortgage shopper at all.  If you&#8217;re well seasoned you may have already come to the conclusion that mortgage rates and closing costs (lender, title company, appraiser) are a commodity and you may be already using this strategy.
If you do describe yourself as [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>What Constitutes a No-Points-Or-Fees Mortgage?&#8221;</title>
		<description><![CDATA[For as long as I have been originating California (CA) home mortgages there has been one lender who has had the lowest rates, day after day after day.  At the time of writing they are umber 3 nationwide in terms of mortgage fundings. They are BIG!
Anyway, in order to make sure I am offering my [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>What Constitutes a Cash-Out Transaction And How This Can Affect Your Interest Rate</title>
		<description><![CDATA[What constitutes a &#8216;cash-out&#8217; California (CA) refinance varies in the eyes of each lender but generally speaking, if you are going to walk away with more than $2,000 at the close of escrow it is a cash-out transaction and you will usually end up with a higher interest rate or points cost if that happens.
If [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>Do You Want The Lowest Price Or The Lowest Overall Costs?</title>
		<description><![CDATA[A friend of mine bought a house several years ago. To keep his costs low he hired an ex builder to do a pre-purchase inspection of the property instead of the more expensive property inspection companies.
To cut a long story short; this mistake cost him his house, his marriage, hundreds of thousands of dollars, and [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>Why Do The Numbers On The GFE From Your Broker Differ From Those On The Lenders?</title>
		<description><![CDATA[If you apply for a California (CA) home mortgage and apply through a broker there is a good chance that the Good Faith Estimate (GFE) you receive from each of them is different (by law they both have to send you one shortly after you apply).
The reason they are different is because at the early [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>Maximize Your Savings When Shopping For A Mortgage Online</title>
		<description><![CDATA[Many sites give you the option to &#8220;Shop 4 Lenders&#8221; or similar.  The theory is that if you contact 4 different lenders you can get a better deal.  As you know; if shopping for a CA home mortgage using the same techniques you use for other products you could run into trouble. But that&#8217;s the [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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		<title>What Commitment Are You Making When You APPLY For A Mortgage?</title>
		<description><![CDATA[Once you&#8217;ve found a  mortgage professional &#8216;employed&#8217; by a California mortgage broker you trust, then the next step is to fill out a loan application.  The agent will give you the loan application, numerous disclosure documents, and a Good Faith Estimate (GFE) for signing.
The first question is usually; &#8220;what does this commit me to?&#8221; and, [...]]]></description>
		<link>http://cahomemortgage.net/http:/cahomemortgage.net/mortgage</link>
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