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	<title>Karen&#039;s Perspective&#187; Financing</title>
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	<description>Wish I’d known this before…</description>
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		<title>Foreclosures &#8211; More Profitable Than Loan Modifications?</title>
		<link>http://www.karensperspective.com/foreclosures-more-profitable-than-loan-modifications/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=foreclosures-more-profitable-than-loan-modifications</link>
		<comments>http://www.karensperspective.com/foreclosures-more-profitable-than-loan-modifications/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 14:26:44 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Loan Mods]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=3475</guid>
		<description><![CDATA[photo by peternamara1 I first posted this article on November 10, 2009. I just came across it again and, unfortunately, it still seems completely relevant. I would love your feedback to know if you think any of this has changed over the past two years.&#8230;]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>What Credit Score do You Need to Get a Loan?</title>
		<link>http://www.karensperspective.com/what-credit-score-do-you-need-to-get-a-loan/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-credit-score-do-you-need-to-get-a-loan</link>
		<comments>http://www.karensperspective.com/what-credit-score-do-you-need-to-get-a-loan/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:37:29 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9280</guid>
		<description><![CDATA[When applying for credit, one of the first things you need to know is your credit score. But why? Your credit score will greatly impact, not only your ability to get a loan, but how much interest you will pay if you do. The higher&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/what-credit-score-do-you-need-to-get-a-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cost of Closing a Credit Card</title>
		<link>http://www.karensperspective.com/cost-of-closing-a-credit-card/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=cost-of-closing-a-credit-card</link>
		<comments>http://www.karensperspective.com/cost-of-closing-a-credit-card/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 15:45:57 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8903</guid>
		<description><![CDATA[Credit Score Close a card Miss a payment Max out your cards 680 40 70 95 720 55 80 115 Does closing a no balance credit card effect your credit score? Chances are, yes. One of the factors that goes into evaluating your credit score&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/cost-of-closing-a-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Affordable Refinanace Program for investors!</title>
		<link>http://www.karensperspective.com/home-affordable-refinanace-program-for-investors/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=home-affordable-refinanace-program-for-investors</link>
		<comments>http://www.karensperspective.com/home-affordable-refinanace-program-for-investors/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 14:36:21 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[home affordable refinance program]]></category>
		<category><![CDATA[triad mastermind]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8874</guid>
		<description><![CDATA[Did you know that the Home Affordable Refinance Program does apply to investors? With no credit check, no tax returns to submit, no bank statements, no appraisals, by the way. Are you an investor? Do you need a bank loan?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Mortgage Rates &#8211; Do You Care?</title>
		<link>http://www.karensperspective.com/mortgage-rates-do-you-care/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mortgage-rates-do-you-care</link>
		<comments>http://www.karensperspective.com/mortgage-rates-do-you-care/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 19:04:54 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage rates]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8774</guid>
		<description><![CDATA[Today&#8217;s average rate for a 30-year fixed mortgage is at the lowest level since 1971 &#8211; 4.1%. The last time long-term rates were lower was in the 1950&#8242;s. Back then, lenders didn&#8217;t give many 30 year loans. Most were 20-25 years. But who cares?? We&#8217;ve&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>How to Accelerate Your Mortgage Payoff</title>
		<link>http://www.karensperspective.com/how-to-accelerate-your-mortgage-payoff/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-accelerate-your-mortgage-payoff</link>
		<comments>http://www.karensperspective.com/how-to-accelerate-your-mortgage-payoff/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 14:32:48 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Caring for Your Home]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Negotiation]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[amoritization]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[mortgage payoff]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8524</guid>
		<description><![CDATA[How do you accelerate your mortgage payoff? To begin with, you can send in extra mortgage payments at any time. Extra payments will, hopefully, be applied to the principal only, saving you a fortune in interest payments. Here are some methods to make those extra&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest Rate Discussion</title>
		<link>http://www.karensperspective.com/interest-rate-discussion/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=interest-rate-discussion</link>
		<comments>http://www.karensperspective.com/interest-rate-discussion/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 14:20:59 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[discount points]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[lender fees]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8265</guid>
		<description><![CDATA[When qualifying for a mortgage, of primary concern is your interest rate. Some lenders offer discount points. Discount points typically cost 1% of the total amount of the loan. Know what your lender charges for a loan.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Loan Application Checklist</title>
		<link>http://www.karensperspective.com/loan-application-checklist/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=loan-application-checklist</link>
		<comments>http://www.karensperspective.com/loan-application-checklist/#comments</comments>
		<pubDate>Mon, 16 May 2011 13:44:45 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[jeff geary]]></category>
		<category><![CDATA[loan application]]></category>
		<category><![CDATA[the mortgage lender]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=7741</guid>
		<description><![CDATA[When applying for a loan, what are the first things a lender will ask for? Thanks to Jeff Geary, the Mortgage Lender for providing us with this list. Loan Application Checklist Income &#38; Assets Employer Name: ______________________ Contact:__________________ Phone: ______________ Pay Stubs for the last&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/loan-application-checklist/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Statements and Private Money Lenders</title>
		<link>http://www.karensperspective.com/tax-statements-and-private-money-lenders/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tax-statements-and-private-money-lenders</link>
		<comments>http://www.karensperspective.com/tax-statements-and-private-money-lenders/#comments</comments>
		<pubDate>Mon, 14 Mar 2011 15:12:50 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[borrowing]]></category>
		<category><![CDATA[lending]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=7031</guid>
		<description><![CDATA[&#160; It&#8217;s tax time&#8230; Have you borrowed hard money? Have you lent private money? When lending and borrowing, are you mailing and/or receiving 1098&#8242;s or 1099&#8242;s? Do you know how to use them? At our last Mastermind Meeting, there were questions concerning who gets 1099&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/tax-statements-and-private-money-lenders/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seller Financing Escapes Extinction</title>
		<link>http://www.karensperspective.com/seller-financing-escapes-extinction/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=seller-financing-escapes-extinction</link>
		<comments>http://www.karensperspective.com/seller-financing-escapes-extinction/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 13:14:38 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=6085</guid>
		<description><![CDATA[I am thrilled to announce that seller financing has escaped extinction! The conference committee addressing HR4173 &#8211; Wall Street Reform has agreed to a licensing exemption for those who do limited seller financing. Our goal when we went to Capitol Hill had been to keep&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/seller-financing-escapes-extinction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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