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	<title>FHA Loans Oregon &#187; First Time Home Buyer</title>
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	<link>http://fhaloansoregon.com</link>
	<description>Everything you everything you ever wanted to know about FHA loans but were afraid to ask</description>
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		<title>Calculating Loan-to-Value (LTV)</title>
		<link>http://fhaloansoregon.com/2010/06/28/calculating-loan-to-value-ltv/</link>
		<comments>http://fhaloansoregon.com/2010/06/28/calculating-loan-to-value-ltv/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 16:43:29 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Mortgage Basics]]></category>
		<category><![CDATA[Mortgage Terms]]></category>
		<category><![CDATA[underwriting guidelines]]></category>

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		<description><![CDATA[Understanding the definition of Loan-to-Value (LTV), and how it impacts a mortgage approval, will help you determine what type of loan amount and program you may qualify for.<p><a href="http://fhaloansoregon.com/2010/06/28/calculating-loan-to-value-ltv/">Calculating Loan-to-Value (LTV)</a> is a post from: <a href="http://fhaloansoregon.com">FHA Loans Oregon</a></p>
]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-1056" title="Top of Mind Loan-to-Value" src="http://fhaloansoregon.com/wp-content/uploads/2010/04/iStock_000010832024XSmall.jpg" alt="" width="227" height="342" />Understanding the <a href="/top-mortgage-terms-to-know/">definition</a> of Loan-to-Value (LTV), and how it impacts a <a href="/mortgage-101/mortgage-approval-process/">mortgage approval</a>, will help you determine what type of loan amount and <a href="/loan-programs/">program</a> you may qualify for. <a href='http://fhaloansoregon.com/2010/06/28/calculating-loan-to-value-ltv/' rel="nofollow">Read More</a></p>]]></content:encoded>
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		<title>Top 8 Things To Ask Your Lender During The Application Process</title>
		<link>http://fhaloansoregon.com/2010/06/28/top-8-things-to-ask-your-lender-during-the-application-process/</link>
		<comments>http://fhaloansoregon.com/2010/06/28/top-8-things-to-ask-your-lender-during-the-application-process/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 16:42:09 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[Mortgage Basics]]></category>

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		<description><![CDATA[Knowing what questions to ask your lender during or before the loan application process is essential for making your mortgage approval process as smooth as possible.<p><a href="http://fhaloansoregon.com/2010/06/28/top-8-things-to-ask-your-lender-during-the-application-process/">Top 8 Things To Ask Your Lender During The Application Process</a> is a post from: <a href="http://fhaloansoregon.com">FHA Loans Oregon</a></p>
]]></description>
			<content:encoded><![CDATA[<h4><img class="alignright size-full wp-image-1401" title="Mortgage Question - Top of Mind" src="http://fhaloansoregon.com/wp-content/uploads/2010/04/iStock_000000301844XSmall.jpg" alt="" width="243" height="494" />Knowing what questions to ask your lender during or before the loan application process is essential for making your <a href="/mortgage-101/mortgage-approval-process/">mortgage approval</a> process as smooth as possible.</h4>
<p>Many borrowers fail to ask the right questions during the mortgage pre-qualification process and end up getting frustrated or hurt because their expectations were not met. <a href='http://fhaloansoregon.com/2010/06/28/top-8-things-to-ask-your-lender-during-the-application-process/' rel="nofollow">Read More</a></p>]]></content:encoded>
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		<title>What&#039;s My Debt-to-Income (DTI) Ratio?</title>
		<link>http://fhaloansoregon.com/2010/06/08/whats-my-debt-to-income-dti-ratio/</link>
		<comments>http://fhaloansoregon.com/2010/06/08/whats-my-debt-to-income-dti-ratio/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 14:48:58 +0000</pubDate>
		<dc:creator>Fred Chamberlin</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Mortgage Basics]]></category>
		<category><![CDATA[Mortgage Terms]]></category>
		<category><![CDATA[underwriting guidelines]]></category>

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		<description><![CDATA[Debt-to-Income (DTI) is one of the many new mortgage related terms many First-Time Home Buyers will get used to hearing.<p><a href="http://fhaloansoregon.com/2010/06/08/whats-my-debt-to-income-dti-ratio/">What&#039;s My Debt-to-Income (DTI) Ratio?</a> is a post from: <a href="http://fhaloansoregon.com">FHA Loans Oregon</a></p>
]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-1050" title="Top of Mind Debt To Income" src="http://fhaloansoregon.com/wp-content/uploads/2010/04/iStock_000006078784XSmall.jpg" alt="" width="347" height="346" />Debt-to-Income (DTI) is one of the many new <a href="/top-mortgage-terms-to-know/">mortgage related terms</a> many <a href="/tag/first-time-home-buyer/">First-Time Home Buyers</a> will get used to hearing. <a href='http://fhaloansoregon.com/2010/06/08/whats-my-debt-to-income-dti-ratio/' rel="nofollow">Read More</a></p>]]></content:encoded>
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