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	<title>Twin Cities Real Estate Blog &#187; Mortgage Rates</title>
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	<link>http://www.twincitiesrealestateblog.com</link>
	<description>Housing News, Opinion, Statistics and Homes for Sale</description>
	<lastBuildDate>Wed, 08 Feb 2012 15:00:00 +0000</lastBuildDate>
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		<item>
		<title>The Home Buyer Financing Fallacy</title>
		<link>http://www.twincitiesrealestateblog.com/2011/home-buyer-financing-fallacy/</link>
		<comments>http://www.twincitiesrealestateblog.com/2011/home-buyer-financing-fallacy/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 00:02:30 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Media]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1939</guid>
		<description><![CDATA[For many months I&#8217;ve been hearing via almost every media channel out there that today&#8217;s home buyers are struggling to get financing &#8211; that banks have too high of standards and that many people are not able to get a loan. Funny thing is, that&#8217;s totally untrue. Buying a home is not only a big [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2011/home-buyer-financing-fallacy/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>2010 Twin Cities House Prices &#8211; Fall Forecast</title>
		<link>http://www.twincitiesrealestateblog.com/2010/twin-cities-house-prices/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/twin-cities-house-prices/#comments</comments>
		<pubDate>Wed, 22 Sep 2010 12:23:36 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[forecasting]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[sales prices]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1641</guid>
		<description><![CDATA[Twin Cities Median Sales Price &#8211; All Properties (image courtesy Minneapolis Area Association of REALTORS) What does the fall and winter 2010 hold for Twin Cities home prices? If the last couple years are any benchmark, we should see median sales prices drop substantially&#8230; most likely back to the $155,000-$160,000 range that we have seen [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/twin-cities-house-prices/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Q&amp;A: Should I Refinance My Home?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/qa-should-i-refinance-my-home/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/qa-should-i-refinance-my-home/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 15:23:46 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Questions and Answers]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1617</guid>
		<description><![CDATA[With the ultra-low interest rates right now a lot of people are wondering if they should refinance their home.  It can make a lot of sense for anyone planning to stay in their home more than 3 years &#8211; but every case is different and there are no hard rules.  It is important to take [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/qa-should-i-refinance-my-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 Predictions for 2010 Twin Cities Housing Market &#8211; August Update</title>
		<link>http://www.twincitiesrealestateblog.com/2010/8-predictions-2010-twin-cities-housing-market/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/8-predictions-2010-twin-cities-housing-market/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 19:51:38 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Crystal Ball Projections]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[housing market prediction]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1579</guid>
		<description><![CDATA[Below you will find my predictions from a January 7, 2010 blog post and my comments on each of those predictions as of August 24, 2010: Foreclosures will continue to come on the market and many will be scooped up quickly with multiple offers. Correct!  This has been the case so far this year, though [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/8-predictions-2010-twin-cities-housing-market/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>USDA Rural Development Program Receives Cash Infusion</title>
		<link>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-program/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-program/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 15:42:32 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[city grants]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[100% financing]]></category>
		<category><![CDATA[rural development]]></category>
		<category><![CDATA[usda]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1458</guid>
		<description><![CDATA[According to the National Association of REALTORS, the USDA will once again have funding for their guaranteed loan program: &#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;- Thousands of Rural Home Buyers Aided by Passage of Housing Funding Measure Washington, July 28, 2010 The restoration of the single-family rural housing program that would guarantee home loans for rural buyers was passed by [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-program/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>40% Of Twin Cities Home Purchasers Used FHA In 1st Half 2010</title>
		<link>http://www.twincitiesrealestateblog.com/2010/40-percent-twin-cities-home-purchases-use-fha-2010/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/40-percent-twin-cities-home-purchases-use-fha-2010/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 12:35:11 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[special financing]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1356</guid>
		<description><![CDATA[The trend from 2009 continues: nearly 40% of all home buyers in the Twin Cities during the 1st half of 2010 used FHA Loan to finance their purchase.  This is up from just 2% in 2007! Why are so many buyers using FHA loans to purchase their home? Here are some reasons: FHA requires only [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/40-percent-twin-cities-home-purchases-use-fha-2010/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Twin Cities Home Buyer Financing Over The Years</title>
		<link>http://www.twincitiesrealestateblog.com/2010/twin-cities-home-buyer-financing/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/twin-cities-home-buyer-financing/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 21:49:02 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[special financing]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1336</guid>
		<description><![CDATA[I took some time today to go over some NorthstarMLS data (the Twin Cities area MLS data service) to see how home buyer financing has changed over the last few years and put together a few pie charts that I thought you might enjoy.  Click on each image for a bigger view: Buyer financing shifted [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/twin-cities-home-buyer-financing/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>FHA Loans Make up Nearly 40% of Real Estate Sales in Twin Cities in 2009</title>
		<link>http://www.twincitiesrealestateblog.com/2010/fha-loans-40-percent-of-sales-in-twin-cities/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/fha-loans-40-percent-of-sales-in-twin-cities/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 14:10:37 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[cash purchases]]></category>
		<category><![CDATA[conventional]]></category>
		<category><![CDATA[fha financing]]></category>
		<category><![CDATA[investors]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=972</guid>
		<description><![CDATA[The housing market continues to change and one of the largest changes in 2009 was the resurgence of FHA financing.  As lenders have tighted up financing requirements and increased down payments from 0% a few years ago to predominantly 10% today, FHA&#8217;s more forgiving standards and lower 3.5% down payment requirement have made it a very [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/fha-loans-40-percent-of-sales-in-twin-cities/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Why Sellers Should List Their Home For Sale Now</title>
		<link>http://www.twincitiesrealestateblog.com/2010/why-sellers-should-list-their-home-now/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/why-sellers-should-list-their-home-now/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 14:14:08 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[New Listings]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=937</guid>
		<description><![CDATA[We&#8217;re barely into the new year and it is cold&#8230;. very cold&#8230;. outside.  Why would I be suggesting sellers put their house on the market? The chart below shows that January historically has a stronger showing activity than November and December and due to the 20% decrease in houses for sale in the last 12 months, [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/why-sellers-should-list-their-home-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Rising Interest Rates Affect Home Sales in 2010?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/will-rising-interest-rates-affect-home-sales-in-2010/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/will-rising-interest-rates-affect-home-sales-in-2010/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 13:51:31 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[2010 housing market]]></category>
		<category><![CDATA[crystal ball]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=920</guid>
		<description><![CDATA[A reader of this blog asked a good question this weekend: what happens to sales when rates rise? This is an intriguing question.  While I had my suspicions, I wasn&#8217;t sure what I would find so I put together this little image from Twin Cities MN Pending Sales and the 10 Year Treasury Note.  While the [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/will-rising-interest-rates-affect-home-sales-in-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy for 0% Down in Columbia Heights</title>
		<link>http://www.twincitiesrealestateblog.com/2009/columbia-heights-0-downpayment/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/columbia-heights-0-downpayment/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 16:47:54 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[0 down]]></category>
		<category><![CDATA[down payment assistance]]></category>
		<category><![CDATA[zero down]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=736</guid>
		<description><![CDATA[Columbia Heights just revised their down payment assistance program to expand it to cover many more borrowers and properties.  Please call me with questions.  Search homes for sale in Coon Rapids now! Make Heights Your Home Columbia Heights Down Payment Assistance Program Program Summary Down payment assistance for homes purchased with a 203K loan or [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/columbia-heights-0-downpayment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making Home Affordable Program Not Working</title>
		<link>http://www.twincitiesrealestateblog.com/2009/making-home-affordable-program-not-working/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/making-home-affordable-program-not-working/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 18:09:32 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=652</guid>
		<description><![CDATA[Fellow local blogger and awesome mortgage broker Alex Stenback has a great post explaining how few people are being helped by the Marking Home Affordable program, which has only helped 93,000 borrowers so far when original estimates suggested up to 7 million could be helped. If we could do more successful loan modifications and short [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/making-home-affordable-program-not-working/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Mac Video on Preparing for a Mortgage Loan Modification</title>
		<link>http://www.twincitiesrealestateblog.com/2009/freddie-mac-video-preparing-for-mortgage-loan-modification/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/freddie-mac-video-preparing-for-mortgage-loan-modification/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 14:38:09 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[hope for homeowners]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage modification]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=647</guid>
		<description><![CDATA[Freddie Mac has released a 2 minute video with suggestions on what you will need to provide for a mortgage loan modification request.  If you have everything prepared beforehand, the process will be quicker and smoother than if you do not prepare.  As mortgage modifications can take weeks or months to complete, having everything upfront [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/freddie-mac-video-preparing-for-mortgage-loan-modification/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Jim Cramer: Housing Market Has Bottomed</title>
		<link>http://www.twincitiesrealestateblog.com/2009/jim-cramer-housing-market-has-bottomed/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/jim-cramer-housing-market-has-bottomed/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 12:40:50 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Media]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing market bottom]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=618</guid>
		<description><![CDATA[Jim Cramer on Tuesday&#8217;s show stated that we&#8217;re at a housing market bottom nationally (article).  Below is the video of this segment. While time will tell if Jim Cramer is right, on a local level I&#8217;m not ready to call a housing market bottom.  I do believe however that foreclosures have price-bottomed in our market. [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/jim-cramer-housing-market-has-bottomed/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>4.5% Interest Rates Hurt Housing</title>
		<link>http://www.twincitiesrealestateblog.com/2009/4-5-interest-rates-hurt-housing/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/4-5-interest-rates-hurt-housing/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 18:28:25 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[4.5%]]></category>
		<category><![CDATA[crystal ball]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=609</guid>
		<description><![CDATA[In the last two weeks we&#8217;ve seen interest rates on 30 year fixed mortgages move from 4.5% to 5.5% (or higher) that&#8217;s a big OUCH.  This full interest rate point swing has meant that almost overnight, buyers lost well over 10% of their buying power.  Another way to look at it is housing just got [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/4-5-interest-rates-hurt-housing/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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