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	<title>Utah Home Mortgage Specialist &#187; Home Mortgages</title>
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		<title>Looking to Lower Your Payment?</title>
		<link>http://theutahhomemortgage.com/wordpress/looking-to-lower-your-payment/</link>
		<comments>http://theutahhomemortgage.com/wordpress/looking-to-lower-your-payment/#comments</comments>
		<pubDate>Tue, 11 Jan 2011 23:56:17 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Weekly Tips]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=593</guid>
		<description><![CDATA[But don&#8217;t want to refinance? Homeowners looking to lower their monthly mortgage payments and also save some on interest may be able to do so without refinancing.  By using a little-known strategy, called &#8220;recasting,&#8221; or &#8220;re-amortization,&#8221; that may be available through some mortgage lenders and servicers. It involves paying off a lump sum of the principal amount and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Decorate Like a Pro</title>
		<link>http://theutahhomemortgage.com/wordpress/decorate-like-a-pro/</link>
		<comments>http://theutahhomemortgage.com/wordpress/decorate-like-a-pro/#comments</comments>
		<pubDate>Mon, 08 Nov 2010 11:46:49 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Weekly Tips]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=583</guid>
		<description><![CDATA[Even if you can&#8217;t afford an interior designer, you can decorate successfully. Before starting a project, determine your style preferences. If you have trouble coming up with great ideas, check out decorating shows and collect tear sheets from magazines. For best results, create a budget and focus on one room at a time. Here are [...]]]></description>
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		<title>Housing Tax Credit Extended</title>
		<link>http://theutahhomemortgage.com/wordpress/housing-tax-credit-extended/</link>
		<comments>http://theutahhomemortgage.com/wordpress/housing-tax-credit-extended/#comments</comments>
		<pubDate>Fri, 07 May 2010 13:12:31 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=545</guid>
		<description><![CDATA[Exciting News for Veterans! The First Time Home Buyer and Long-time Resident Tax Credits have been extended for Military Personnel and certain Federal Employees.   Here are the basics: You must have been on active duty outside of the US for 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010. [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Reasons to Refinance When Rates Are Moving Up</title>
		<link>http://theutahhomemortgage.com/wordpress/reasons-to-refinance-your-utah-home-mortgage/</link>
		<comments>http://theutahhomemortgage.com/wordpress/reasons-to-refinance-your-utah-home-mortgage/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 18:19:35 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=380</guid>
		<description><![CDATA[Interest rates have enjoyed record lows during the last few years allowing many people to refinance and enjoy lower home mortgage payments. Now, interest rates are beginning to move in the other direction.  Why would anyone refinance when rates are going up? With cash-out refinancing, you refinance your mortgage for more than you owe and keep the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Mortgage rates are rising is Inflation coming?</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-rates-are-rising-%e2%80%93-inflation-coming/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-rates-are-rising-%e2%80%93-inflation-coming/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 18:00:36 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=372</guid>
		<description><![CDATA[Mortgage rates are rising as the markets believe the Federal Reserve will raise the interest rates higher.  Rates on 30 year mortgages are predicted to raise 0.50 to 1%  by the end of this year.  This is the highest rates we have seen in the last couple years. Some analysts believe that new home sales will decline as the interest [...]]]></description>
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		<title>Home Mortgages And Interest Rates</title>
		<link>http://theutahhomemortgage.com/wordpress/home-mortgages-and-interest-rates/</link>
		<comments>http://theutahhomemortgage.com/wordpress/home-mortgages-and-interest-rates/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 17:38:30 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=365</guid>
		<description><![CDATA[Interest rates can affect the type of home mortgage you choose and dictate when its wise to make a change. Here are a few of the factors that can be affected by a swing in interest rates: Choosing a mortgage When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Annual Percentage Rate (APR) on a Home Mortgage</title>
		<link>http://theutahhomemortgage.com/wordpress/annual-percentage-rate-apr-on-a-utah-home-mortgage/</link>
		<comments>http://theutahhomemortgage.com/wordpress/annual-percentage-rate-apr-on-a-utah-home-mortgage/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 17:25:16 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=361</guid>
		<description><![CDATA[Analyzing APR during a home mortgage refinancing or second mortgage loan shopping can be a very tricky proposition.  Many people have come to believe that a loans APR, or &#8220;Annual Percentage Rate&#8221;, is the single most important factor in comparing homeÂ mortgage loans.  However, this is rarely the case, especially in today&#8217;s marketplace.  Annual Percentage Rate is [...]]]></description>
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		<title>Adjustable Rate Mortgages: Interest Rate Strategy</title>
		<link>http://theutahhomemortgage.com/wordpress/adjustable-rate-on-utah-home-mortgages-%e2%80%93-interest-rate-strategy/</link>
		<comments>http://theutahhomemortgage.com/wordpress/adjustable-rate-on-utah-home-mortgages-%e2%80%93-interest-rate-strategy/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 17:20:29 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=356</guid>
		<description><![CDATA[Over the last few years, many people squeezed into new homes using adjustable rate mortgages. As interest rates move up, you need an interest rate strategy Adjustable Rate Mortgages (ARMs) Adjustable rate mortgages carry a bit of a gamble for home owners. Essentially, you trade smaller interest rates and lower initial payments on the gamble rates will not increase [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Confirm Loan Terms in Person</title>
		<link>http://theutahhomemortgage.com/wordpress/confirm-utah-home-mortgage-loan-terms-in-person/</link>
		<comments>http://theutahhomemortgage.com/wordpress/confirm-utah-home-mortgage-loan-terms-in-person/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 21:10:58 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=346</guid>
		<description><![CDATA[While shopping for home mortgage options online is certainly easy and convenient, you should consider completing the application process either in person or over the phone instead of relying on an automated system. While the Internet is good for research purposes, you can take advantage of face to face meetings or telephone conferences to ask [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Use Only Reliable Resources</title>
		<link>http://theutahhomemortgage.com/wordpress/use-only-reliable-resources-for-utah-home-mortgage/</link>
		<comments>http://theutahhomemortgage.com/wordpress/use-only-reliable-resources-for-utah-home-mortgage/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 18:34:46 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=343</guid>
		<description><![CDATA[If you are using the Internet to research home mortgage options and obtain quotes should carefully consider their sources when making important decisions regarding the subject of home mortgages. You should stick with well known lenders and established websites and will not likely encounter problems.  If you are unsure about the reliability of a particular resource or [...]]]></description>
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