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	<title>Ethical Homes</title>
	<link>http://ethicalhomes.com</link>
	<description>Sustainable Mortgage &#38; Real Estate Solutions</description>
	<lastBuildDate>Tue, 10 Aug 2010 22:05:36 +0000</lastBuildDate>
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	<item>
		<title>FHA postpones implementation of mortgage insurance changes</title>
		<description><![CDATA[HUD recently announced changes in the mortgage insurance premiums that borrowers using FHA financing will be charged; in response to industry complaints about the short time frame provided for implementing those changes, HUD has agreed to postpone that implementation by one month.

Specifically, in a letter released today (PDF), HUD has announced that those changes will [...]


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		<link>http://ethicalhomes.com/1543/fha-postpones-implementation-mortgage-insurance</link>
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	<item>
		<title>FHA changes mortgage insurance premiums</title>
		<description><![CDATA[FHA issued a notice yesterday that it will, as expected, make some fairly substantial changes to the mortgage insurance premiums that it charges to FHA borrowers.

As you know, FHA lending has become the lifeline for both the lending industry and the real estate industry.  Without it, the activity that we have seen over the [...]


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		<link>http://ethicalhomes.com/1540/fha-mortgage-insurance-premiums</link>
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	<item>
		<title>Elaboration on Washington Examiner Article on &#8220;Military&#8221; tax credit</title>
		<description><![CDATA[I was recently quoted in the Washington Examiner in an article about the tax credit for military, diplomatic, and intelligence personnel; as is often the case with those sorts of articles, though, space constraints meant that a lot of the details that I gave to the reporter ended up not being published, so I thought [...]


No related posts.]]></description>
		<link>http://ethicalhomes.com/1518/elaboration-washington-examiner-article-military-tax-credit</link>
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		<title>Congress extends closing period for homebuyer tax credit</title>
		<description><![CDATA[Congress has passed the Homebuyer Improvement and Assistance Act of 2010, which extends the deadline by which certain buyers need to close on their purchases of homes in order to be eligible for up to $8000 in tax credits.

In February 2009, Congress passed the American Recovery and Reinvestment Act, which created the homebuyer tax credit [...]


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		<link>http://ethicalhomes.com/1519/congress-extends-closing-period-homebuyer-tax-credit</link>
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	<item>
		<title>HomePath Mortgages Allow Easy Purchase of FNMA Foreclosures</title>
		<description><![CDATA[While most post-foreclosure properties (aka REOs) end up being owned by individual banks, many such properties actually end up being owned by FNMA (Fannie Mae); since Fannie is one of the major players in mortgage markets, preferred FannieMae lenders are allowed to offer a special HomePath mortgage product that makes the process of buying those [...]


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<li><a href='http://ethicalhomes.com/1048/good-article-reverse-mortgages-purchase-homes' rel='bookmark' title='Permanent Link: Good article on using Reverse Mortgages to purchase new homes'>Good article on using Reverse Mortgages to purchase new homes</a></li>
<li><a href='http://ethicalhomes.com/1121/case-study-reverse-purchase-janet' rel='bookmark' title='Permanent Link: Case Study: Reverse For Purchase for Janet S'>Case Study: Reverse For Purchase for Janet S</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1513/homepath-mortgages-easy-purchase-fnma-foreclosures</link>
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	<item>
		<title>First Steps To Determine If You Are Eligible For A HARP Refinance</title>
		<description><![CDATA[There are many criteria that need to be looked at to determine if a homeowner is eligible for a HARP refinance; many of them will need to be reviewed with your mortgage consultant, but one of the first steps can be easily done by the homeowner for themself.

HARP refinances allow homeowners who are &#8220;underwater&#8221; on [...]


Possibly related posts (automatically generated):<ol><li><a href='http://ethicalhomes.com/783/guidelines-expanded-harp' rel='bookmark' title='Permanent Link: Guidelines Expanded for HARP'>Guidelines Expanded for HARP</a></li>
<li><a href='http://ethicalhomes.com/237/freddie-mac-announces-2007-conforming-loan-limits' rel='bookmark' title='Permanent Link: Freddie Mac announces 2007 conforming loan limits'>Freddie Mac announces 2007 conforming loan limits</a></li>
<li><a href='http://ethicalhomes.com/1513/homepath-mortgages-easy-purchase-fnma-foreclosures' rel='bookmark' title='Permanent Link: HomePath Mortgages Allow Easy Purchase of FNMA Foreclosures'>HomePath Mortgages Allow Easy Purchase of FNMA Foreclosures</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1510/steps-determine-eligible-harp-refinance</link>
			</item>
	<item>
		<title>Flood Insurance Unavailable Due To Congressional Error</title>
		<description><![CDATA[Buyers of homes in Special Flood Hazard Areas will probably be unable to close on their purchases for the next few weeks due to the failure of Congress to reauthorize the National Flood Insurance Program (NFIP).

After passing the recent health care reform bill, Congress adjourned for recess&#8211;but in so doing, forgot to reauthorize the NFIP, [...]


Possibly related posts (automatically generated):<ol><li><a href='http://ethicalhomes.com/1362/fha-2010-limits-changing' rel='bookmark' title='Permanent Link: FHA 2010 Limits Are NOT Changing'>FHA 2010 Limits Are NOT Changing</a></li>
<li><a href='http://ethicalhomes.com/238/buyer-paid-private-mortgage-insurance-pmi-now-deductible' rel='bookmark' title='Permanent Link: Buyer-Paid Private Mortgage Insurance (PMI) now deductible.'>Buyer-Paid Private Mortgage Insurance (PMI) now deductible.</a></li>
<li><a href='http://ethicalhomes.com/1330/upcoming-conforming-loan-limits' rel='bookmark' title='Permanent Link: Upcoming Changes To Conforming Loan Limits'>Upcoming Changes To Conforming Loan Limits</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1501/flood-insurance-unavailable-due-congressional-error</link>
			</item>
	<item>
		<title>Great Resource For Landlords With Basement Apartments in DC</title>
		<description><![CDATA[Are you worried about whether that basement apartment in your home (or the home you are thinking of buying) could be legally rented out?  Even worse, are you already renting your basement out and are worried that DC inspectors might cite you for not doing it right?  DC has unveiled a great new [...]


Possibly related posts (automatically generated):<ol><li><a href='http://ethicalhomes.com/1408/fhava-adjustablerate-mortgages-great-safe-deal' rel='bookmark' title='Permanent Link: FHA/VA Adjustable-Rate Mortgages Can Be A Great, Safe, Deal'>FHA/VA Adjustable-Rate Mortgages Can Be A Great, Safe, Deal</a></li>
<li><a href='http://ethicalhomes.com/751/mris-levels-field-matrixkeystone' rel='bookmark' title='Permanent Link: MRIS changes Levels field in Matrix/Keystone'>MRIS changes Levels field in Matrix/Keystone</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1498/great-resource-landlords-basement-apartments-dc</link>
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	<item>
		<title>Mortgage modification overview</title>
		<description><![CDATA[Mortgage modifications are proceeding slowly, and while some homeowners have been able to benefit greatly from them, many others are being hurt just by trying to achieve them.

As a recent series of articles on CNNMoney points out, some homeowners in distress are able to have some or all of their debt forgiven, or have their [...]


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<li><a href='http://ethicalhomes.com/1434/mortgages-nonpermanent-resident-aliens' rel='bookmark' title='Permanent Link: Mortgages for Non-Permanent Resident Aliens'>Mortgages for Non-Permanent Resident Aliens</a></li>
<li><a href='http://ethicalhomes.com/238/buyer-paid-private-mortgage-insurance-pmi-now-deductible' rel='bookmark' title='Permanent Link: Buyer-Paid Private Mortgage Insurance (PMI) now deductible.'>Buyer-Paid Private Mortgage Insurance (PMI) now deductible.</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1490/mortgage-modification-overview</link>
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	<item>
		<title>FHA announces assistance for &#8220;Chinese&#8221; drywall homeowners</title>
		<description><![CDATA[FHA has announced a program whereby homeowners with FHA mortgages who have been affected by recent issues with defective drywall can temporarily suspend or reduce payments on their mortgage in order to give them the additional cashflow that they might need to deal with those drywall issues.

We&#8217;ve previously commented on serious issues with this drywall, [...]


Possibly related posts (automatically generated):<ol><li><a href='http://ethicalhomes.com/1079/chinese-drywall' rel='bookmark' title='Permanent Link: Chinese Drywall: Worse Than Asbestos And Polybutylene?'>Chinese Drywall: Worse Than Asbestos And Polybutylene?</a></li>
<li><a href='http://ethicalhomes.com/1476/fha-announces-guidelines-postshortsale-mortgages' rel='bookmark' title='Permanent Link: FHA announces new guidelines for post-short-sale mortgages'>FHA announces new guidelines for post-short-sale mortgages</a></li>
<li><a href='http://ethicalhomes.com/1432/official-fha-loan-limits-issued-2010' rel='bookmark' title='Permanent Link: Official FHA loan limits issued for 2010'>Official FHA loan limits issued for 2010</a></li>
</ol>]]></description>
		<link>http://ethicalhomes.com/1486/fha-announces-assistance-chinese-drywall-homeowners</link>
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