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	<title>The Veracity Team - Home Loans With A Purpose</title>
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	<link>http://theveracityblog.com</link>
	<description>Best Mortgage Loans In Arizona and California</description>
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		<title>Refinance with improved HARP Program in Arizona and California</title>
		<link>http://theveracityblog.com/2011/11/14/refinance-with-improved-harp-program-in-arizona-and-california/</link>
		<comments>http://theveracityblog.com/2011/11/14/refinance-with-improved-harp-program-in-arizona-and-california/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 21:11:47 +0000</pubDate>
		<dc:creator>Alberto Madrid</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Trends]]></category>
		<category><![CDATA[arizona home loans]]></category>
		<category><![CDATA[Arizona Mortgage Rates]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[interest rates in arizona]]></category>
		<category><![CDATA[mortgage qualifying]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=844</guid>
		<description><![CDATA[Many homeowners in Arizona and California will find out if they will be able to refinance their “upside down&#8221; homes tomorrow.  The Initial “HARP”  Home Affordable Refinance Program was rolled out in 2009.  It was designed to help refinance “underwater” homeowners &#8230; <a class="more-link" href="http://theveracityblog.com/2011/11/14/refinance-with-improved-harp-program-in-arizona-and-california/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2011/11/14/refinance-with-improved-harp-program-in-arizona-and-california/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Are your buyers using a USDA Rural Housing Loan? Act fast!</title>
		<link>http://theveracityblog.com/2011/08/04/are-your-buyers-using-a-usda-rural-housing-loan-act-fast/</link>
		<comments>http://theveracityblog.com/2011/08/04/are-your-buyers-using-a-usda-rural-housing-loan-act-fast/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 05:18:52 +0000</pubDate>
		<dc:creator>veracityteam</dc:creator>
				<category><![CDATA[Mortgage Trends]]></category>
		<category><![CDATA[USDA]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=819</guid>
		<description><![CDATA[October 1st, 2011. Remember this date. On this date, one of the key features of a USDA Rural Housing home loan will change. You see, currently a USDA loan carries no monthly mortgage insurance. Much like a VA loan, the &#8230; <a class="more-link" href="http://theveracityblog.com/2011/08/04/are-your-buyers-using-a-usda-rural-housing-loan-act-fast/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2011/08/04/are-your-buyers-using-a-usda-rural-housing-loan-act-fast/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>100% Financing for USDA loans in Arizona and California</title>
		<link>http://theveracityblog.com/2011/08/04/100-financing-for-usda-loans-in-arizona-and-california/</link>
		<comments>http://theveracityblog.com/2011/08/04/100-financing-for-usda-loans-in-arizona-and-california/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 18:16:44 +0000</pubDate>
		<dc:creator>Alberto Madrid</dc:creator>
				<category><![CDATA[Mortgage Trends]]></category>
		<category><![CDATA[USDA]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=815</guid>
		<description><![CDATA[Unless you’re a qualified veteran, the days of 100% financing in Arizona and California are pretty much unheard of.  However, there is this little kept secret called USDA Rural Housing program that allows 100% financing. What does this mean for &#8230; <a class="more-link" href="http://theveracityblog.com/2011/08/04/100-financing-for-usda-loans-in-arizona-and-california/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2011/08/04/100-financing-for-usda-loans-in-arizona-and-california/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Academy Mortgage: #1 Independent Lender in the United States? You Better Believe It!</title>
		<link>http://theveracityblog.com/2010/08/31/academy-mortgage-1-independent-lender-in-the-united-states-you-better-believe-it/</link>
		<comments>http://theveracityblog.com/2010/08/31/academy-mortgage-1-independent-lender-in-the-united-states-you-better-believe-it/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 15:54:37 +0000</pubDate>
		<dc:creator>Shane Hollenback</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=707</guid>
		<description><![CDATA[So, I’m sipping coffee this morning and an email pops up.&#160; It’s from my big wig boss, whom I’ve not had the pleasure of meeting in person yet.&#160; It says that the results are in.&#160; Academy Mortgage is now in &#8230; <a class="more-link" href="http://theveracityblog.com/2010/08/31/academy-mortgage-1-independent-lender-in-the-united-states-you-better-believe-it/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/08/31/academy-mortgage-1-independent-lender-in-the-united-states-you-better-believe-it/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>TenDayClose.com and Academy Mortgage: Why we made the move.</title>
		<link>http://theveracityblog.com/2010/06/19/tendayclose-com-and-academy-mortgage-why-we-made-the-move/</link>
		<comments>http://theveracityblog.com/2010/06/19/tendayclose-com-and-academy-mortgage-why-we-made-the-move/#comments</comments>
		<pubDate>Sat, 19 Jun 2010 21:34:14 +0000</pubDate>
		<dc:creator>Shane Hollenback</dc:creator>
				<category><![CDATA[Mortgage Trends]]></category>
		<category><![CDATA[Academy Mortgage]]></category>
		<category><![CDATA[arizona home loans]]></category>
		<category><![CDATA[Arizona Real Estate]]></category>
		<category><![CDATA[TenDayClose.com]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=683</guid>
		<description><![CDATA[Recently our team made a move over to, what I would consider, our chief competitors.  The old saying goes, “if you can’t beat ‘em, join ‘em”.  …and we did. Academy Mortgage is home to Ten Day Close, and is the &#8230; <a class="more-link" href="http://theveracityblog.com/2010/06/19/tendayclose-com-and-academy-mortgage-why-we-made-the-move/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/06/19/tendayclose-com-and-academy-mortgage-why-we-made-the-move/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Interest Rate Lock or Float: Protect your Arizona Mortgage</title>
		<link>http://theveracityblog.com/2010/03/07/interest-rate-lock-or-float-protect-your-arizona-mortgage/</link>
		<comments>http://theveracityblog.com/2010/03/07/interest-rate-lock-or-float-protect-your-arizona-mortgage/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 06:14:10 +0000</pubDate>
		<dc:creator>Alberto Madrid</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Float]]></category>
		<category><![CDATA[Float interest rate]]></category>
		<category><![CDATA[floats]]></category>
		<category><![CDATA[Home Loan Rates]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan officers]]></category>
		<category><![CDATA[locks]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Rate Lock]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[upfront mortgage lender]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=664</guid>
		<description><![CDATA[The million dollar question:  When is the best time to lock my interest rate?  The obvious answer: When home loan rates are at their lowest.  The problem is that loan officers don’t really have a crystal ball.  With that being &#8230; <a class="more-link" href="http://theveracityblog.com/2010/03/07/interest-rate-lock-or-float-protect-your-arizona-mortgage/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/03/07/interest-rate-lock-or-float-protect-your-arizona-mortgage/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : February 22, 2010</title>
		<link>http://theveracityblog.com/2010/02/22/whats-ahead-for-mortgage-rates-this-week-february-22-2010/</link>
		<comments>http://theveracityblog.com/2010/02/22/whats-ahead-for-mortgage-rates-this-week-february-22-2010/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 16:48:10 +0000</pubDate>
		<dc:creator>veracityteam</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[arizona home loans]]></category>
		<category><![CDATA[Arizona Mortgage Rates]]></category>
		<category><![CDATA[chandler]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Gilbert]]></category>
		<category><![CDATA[mesa]]></category>
		<category><![CDATA[mortgage in arizona]]></category>
		<category><![CDATA[phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[tempe]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/2010/02/22/whats-ahead-for-mortgage-rates-this-week-february-22-2010/</guid>
		<description><![CDATA[Mortgage markets had a terrible, holiday-shortened week last week as Wall Street responded to worse-than-expected inflation data and action from the Federal Reserve.&#160; Mortgage bonds sold off with force, causing mortgage rates to rise for the second week in a &#8230; <a class="more-link" href="http://theveracityblog.com/2010/02/22/whats-ahead-for-mortgage-rates-this-week-february-22-2010/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/02/22/whats-ahead-for-mortgage-rates-this-week-february-22-2010/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>HomePath, Welcome Home. Buy a House with Low Down, No PMI, No Appraisal? Yes!</title>
		<link>http://theveracityblog.com/2010/02/09/buy-a-house-with-low-down-no-pmi-no-appraisal-yes-welcome-to-homepath/</link>
		<comments>http://theveracityblog.com/2010/02/09/buy-a-house-with-low-down-no-pmi-no-appraisal-yes-welcome-to-homepath/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 21:10:00 +0000</pubDate>
		<dc:creator>Shane Hollenback</dc:creator>
				<category><![CDATA[Fannie Mae HomePath]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[arizona home loans]]></category>
		<category><![CDATA[chandler]]></category>
		<category><![CDATA[closing cost]]></category>
		<category><![CDATA[Fannie]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fannie mae products]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Gilbert]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[homepath]]></category>
		<category><![CDATA[HomePath loans in Arizona]]></category>
		<category><![CDATA[loan to value]]></category>
		<category><![CDATA[mesa]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage-backed security]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[subprime mortgage crisis]]></category>
		<category><![CDATA[tempe]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=607</guid>
		<description><![CDATA[HomePath loans from Fannie Mae provide home buyers an opportunity to purchase a home with low down payment, no PMI, no appraisal, and Seller paid closing costs.  Owner Occupants and Investors are welcome to enjoy the benefits of HomePath. <a class="more-link" href="http://theveracityblog.com/2010/02/09/buy-a-house-with-low-down-no-pmi-no-appraisal-yes-welcome-to-homepath/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/02/09/buy-a-house-with-low-down-no-pmi-no-appraisal-yes-welcome-to-homepath/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>It&#8217;s Getting Harder to Get Approved for a Home Loan</title>
		<link>http://theveracityblog.com/2010/02/09/its-getting-harder-to-get-approved-for-a-home-loan/</link>
		<comments>http://theveracityblog.com/2010/02/09/its-getting-harder-to-get-approved-for-a-home-loan/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 16:36:16 +0000</pubDate>
		<dc:creator>Shane Hollenback</dc:creator>
				<category><![CDATA[mortgage guidelines]]></category>
		<category><![CDATA[Arizona Mortgage Rates]]></category>
		<category><![CDATA[chandler]]></category>
		<category><![CDATA[Gilbert]]></category>
		<category><![CDATA[home loan guidelines]]></category>
		<category><![CDATA[home loan qualification]]></category>
		<category><![CDATA[mesa]]></category>
		<category><![CDATA[phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[tempe]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/?p=603</guid>
		<description><![CDATA[The economy&#8217;s improving but lending standards are not. Nationally, banks are making mortgage approvals harder to come by. Underwriting guidelines are tightening. The data comes from the Federal Reserve&#8217;s quarterly survey to its member banks.  The Fed asks senior bank &#8230; <a class="more-link" href="http://theveracityblog.com/2010/02/09/its-getting-harder-to-get-approved-for-a-home-loan/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/02/09/its-getting-harder-to-get-approved-for-a-home-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : February 8, 2010</title>
		<link>http://theveracityblog.com/2010/02/08/whats-ahead-for-mortgage-rates-this-week-february-8-2010/</link>
		<comments>http://theveracityblog.com/2010/02/08/whats-ahead-for-mortgage-rates-this-week-february-8-2010/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 16:02:04 +0000</pubDate>
		<dc:creator>veracityteam</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[arizona home loans]]></category>
		<category><![CDATA[chandler]]></category>
		<category><![CDATA[Gilbert]]></category>
		<category><![CDATA[Home Loan Rates]]></category>
		<category><![CDATA[mesa]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage Rates in Arizona]]></category>
		<category><![CDATA[phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[tempe]]></category>

		<guid isPermaLink="false">http://theveracityblog.com/2010/02/08/whats-ahead-for-mortgage-rates-this-week-february-8-2010/</guid>
		<description><![CDATA[Mortgage markets improved last week on domestic jobs data and international banking concerns. The news triggered buying in the bond market and, as a result, conventional, FHA and VA mortgage rates improved for the 4th consecutive week. Mortgage rates are &#8230; <a class="more-link" href="http://theveracityblog.com/2010/02/08/whats-ahead-for-mortgage-rates-this-week-february-8-2010/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://theveracityblog.com/2010/02/08/whats-ahead-for-mortgage-rates-this-week-february-8-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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