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	<title>Twin Cities Real Estate Blog &#187; special financing</title>
	<atom:link href="http://www.twincitiesrealestateblog.com/category/special-financing/feed/" rel="self" type="application/rss+xml" />
	<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>3 Home Buyer Financing Lies</title>
		<link>http://www.twincitiesrealestateblog.com/2011/3-home-buyer-financing-lies/</link>
		<comments>http://www.twincitiesrealestateblog.com/2011/3-home-buyer-financing-lies/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 14:06:42 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[city grants]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Media]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[special financing]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1952</guid>
		<description><![CDATA[#1 &#8211; Buyers need 20% cash down to buy a home Did you know that some buyers can still buy a home with NO DOWN PAYMENT?  The USDA Rural Development and Department of Veterans Affairs loan programs both offer 0% down payment options.  In the case of the USDA, it is income and location restricted. [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2011/3-home-buyer-financing-lies/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Jumbo Mortgages Are No Fun</title>
		<link>http://www.twincitiesrealestateblog.com/2010/jumbo-mortgages/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/jumbo-mortgages/#comments</comments>
		<pubDate>Wed, 20 Oct 2010 22:55:46 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[jumbo mortgages]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1689</guid>
		<description><![CDATA[#1 &#8211; Jumbo Mortgages are Illiquid Assets Right Now The secondary market for jumbo loans has largely dried up, which has reduced availability, tightened debt-to-income (DTI) and loan-to-value (LTV) ratios, and increased the interest rates on these loans.  None of this helps the demand for or sale of housing.  Adding liquidity to this market would [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/jumbo-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minnesota Offers $2 Million in Energy Saver Rebates</title>
		<link>http://www.twincitiesrealestateblog.com/2010/minnesota-offers-2-million-in-energy-saver-rebates/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/minnesota-offers-2-million-in-energy-saver-rebates/#comments</comments>
		<pubDate>Thu, 30 Sep 2010 16:45:54 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Energy Efficiency]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[tax credits]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1671</guid>
		<description><![CDATA[An additional $2 million in Energy Saver Rebates is available for homeowners who install eligible energy-saving home improvements. These improvements must be financed using a Fix-up Fund loan, which allows homeowners finance the cost of making energy efficient upgrades. Rebates up to $10,000 are available for application on a first-come, first-served basis. More information and an Energy Saver Rebate application [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/minnesota-offers-2-million-in-energy-saver-rebates/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>&quot;I&#039;m taking myself out of the house-buying frenzy until after the end of April&quot;</title>
		<link>http://www.twincitiesrealestateblog.com/2010/im-taking-myself-out-of-the-house-buying-frenzy/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/im-taking-myself-out-of-the-house-buying-frenzy/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 15:51:44 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<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[special financing]]></category>
		<category><![CDATA[tax credits]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1159</guid>
		<description><![CDATA[A friend of mine posted to Facebook the following: I&#8217;m taking myself out of the house-buying frenzy until after the end of April.  I can&#8217;t take the stress anymore!  I&#8217;ve never been so frustrated or disappointed. This same message is being said by many of my current clients.  Dissatisfied by the low inventory of quality [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/im-taking-myself-out-of-the-house-buying-frenzy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA Rural Development 100% Financing Program Funding Ending</title>
		<link>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-100-financing-program-funding-ending/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-100-financing-program-funding-ending/#comments</comments>
		<pubDate>Fri, 12 Mar 2010 20:21:25 +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[special financing]]></category>
		<category><![CDATA[rural development]]></category>
		<category><![CDATA[usda]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1105</guid>
		<description><![CDATA[Based off of conversations I&#8217;ve had and what I&#8217;m reading on the interwebs, it sounds like the USDA&#8217;s Rural Development program that allows home buyers to purchase for 0% down is almost out of funding and isn&#8217;t scheduled to receive new funding until September. This program is heavily used in the boonies  the sticks Greater [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/usda-rural-development-100-financing-program-funding-ending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minnesota Appliance Rebate Program Details Released &#8211; Up To $200 Back!</title>
		<link>http://www.twincitiesrealestateblog.com/2010/minnesota-appliance-rebate-program-details-released/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/minnesota-appliance-rebate-program-details-released/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 20:06:11 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[city grants]]></category>
		<category><![CDATA[Energy Efficiency]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[appliance rebates]]></category>
		<category><![CDATA[energy star]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=991</guid>
		<description><![CDATA[The Minnesota Department of Commerce&#8217;s Office of Energy Security (what a mouthful) has just released more information on their energy star appliance rebate program. On March 1 @ 8am the website and a phone number will launch with a rebate reservation system &#8211; residents will have to pre-register for the rebate and receive a specific [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/minnesota-appliance-rebate-program-details-released/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Why Loan Modifications &amp; Short Sales Are So Tough</title>
		<link>http://www.twincitiesrealestateblog.com/2010/why-loan-modifications-short-sales-are-so-tough/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/why-loan-modifications-short-sales-are-so-tough/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 12:50:05 +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[Neighborhood Info]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[2nd mortgages]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=989</guid>
		<description><![CDATA[Minnesota Home Ownership Center does a great job of helping struggling homeowners determine and exercise their options.  Their blog post yesterday introduced me to a short article from Public Citizen that explains a large part of our problems in negotiating loan mods and short sales. Related Posts:Banks Suing Homeowners AFTER ForeclosureA Mortgage Modification in Just 7 [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/why-loan-modifications-short-sales-are-so-tough/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investors Competing with Home Buyers on Foreclosures</title>
		<link>http://www.twincitiesrealestateblog.com/2010/investors-competing-with-home-buyers-on-foreclosures/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/investors-competing-with-home-buyers-on-foreclosures/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 14:57:18 +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[investors]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[special financing]]></category>
		<category><![CDATA[cash offers]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[foreclosures]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=980</guid>
		<description><![CDATA[In the last 12 months I&#8217;ve had a few situations where my client&#8217;s offer on a foreclosure was rejected in favor of a cash offer.  In my office, I know of many others that have experienced the same thing. With the data provided by RMLS that I used yesterday to comment about FHA transactions, I am also [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/investors-competing-with-home-buyers-on-foreclosures/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Financial Help For Homeowners Displaced By Foreclosure</title>
		<link>http://www.twincitiesrealestateblog.com/2009/financial-help-for-homeowners-displaced-by-foreclosure/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/financial-help-for-homeowners-displaced-by-foreclosure/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 23:51:09 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[city grants]]></category>
		<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[special financing]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=760</guid>
		<description><![CDATA[My friend Ed Nelson over at the Minnesota Home Ownership Center (MNHOC) posted information about their new program to help homeowners AFTER their foreclosure on their blog.  Here is an excerpt from that post: The Minnesota Home Ownership Center is pleased to announce a new pilot program that may assist families AFTER the foreclosure of [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/financial-help-for-homeowners-displaced-by-foreclosure/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>
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