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	<title>Razor Mortgage LLC &#187; Mortgage</title>
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	<description>The Mortgage World explained</description>
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		<title>USDA back in the mortgage biz&#8230;..</title>
		<link>http://blog.razormortgage.com/2010/06/usda-back-in-the-mortgage-biz/</link>
		<comments>http://blog.razormortgage.com/2010/06/usda-back-in-the-mortgage-biz/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 13:00:48 +0000</pubDate>
		<dc:creator>Jacques E. Laubert</dc:creator>
				<category><![CDATA[Government Mortgage]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://blog.razormortgage.com/?p=36</guid>
		<description><![CDATA[After running out of money to guarantee loans USDA pulled the plug.  A couple of weeks later they published a letter that said banks could continue to fund USDA Guaranteed Mortgages which would be subject to receipt of funds in the future from Congress&#8230;..then a day later they pulled the plug again!  Well they are [...]]]></description>
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		<title>Quality Initiative-Delays maybe ahead if you aren&#8217;t prepared&#8230;..</title>
		<link>http://blog.razormortgage.com/2010/05/quality-intiative/</link>
		<comments>http://blog.razormortgage.com/2010/05/quality-intiative/#comments</comments>
		<pubDate>Mon, 31 May 2010 22:31:01 +0000</pubDate>
		<dc:creator>Jacques E. Laubert</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Regulatory Changes]]></category>

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		<description><![CDATA[Effective June 1 (some items July 1) there will be many changes to Fannie Mae which are called the Quality Initiative.  Many o f these changes are trasnparent to the consumer and those involved in the transaction, but could cause some confusion, possibly some delays and some turn downs well into the mortgage process. Being [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Good Faith Estimate</title>
		<link>http://blog.razormortgage.com/2009/11/new-good-faith-estimate/</link>
		<comments>http://blog.razormortgage.com/2009/11/new-good-faith-estimate/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 18:59:47 +0000</pubDate>
		<dc:creator>Jacques E. Laubert</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Regulatory Changes]]></category>

		<guid isPermaLink="false">http://blog.razormortgage.com/?p=24</guid>
		<description><![CDATA[After years of trying it seems that we are right around the corner from the much anticipated new and &#8220;improved&#8221; Good Faith Estimate.  The idea behind this estimate is to change the wanton disregard that many originators in the past had used when &#8220;dispensing&#8221; these pieces of important paper.  Now under the rules and regs [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Fannie Mae Changes&#8230;&#8230;Good&#8230;.or Bad&#8230;.it is now reality</title>
		<link>http://blog.razormortgage.com/2008/06/fannie-mae-changes-version-7/</link>
		<comments>http://blog.razormortgage.com/2008/06/fannie-mae-changes-version-7/#comments</comments>
		<pubDate>Thu, 12 Jun 2008 21:35:38 +0000</pubDate>
		<dc:creator>Jacques E. Laubert</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Fannie Mae]]></category>

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		<description><![CDATA[On June 1st Fannie Mae made changes to the way its automated underwriting engine evaluates applicants for mortgages.  Details follow: • As of June 1 Fannie Mae “upgraded” their underwriting engine to version 7.0.  This new version has some major changes including: 1) Loan to values of 85% or greater will no longer use PMI (Private Mortgage [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Meltdown-FHASecure to The Resuce</title>
		<link>http://blog.razormortgage.com/2007/08/fhasecure/</link>
		<comments>http://blog.razormortgage.com/2007/08/fhasecure/#comments</comments>
		<pubDate>Fri, 31 Aug 2007 13:38:07 +0000</pubDate>
		<dc:creator>Jacques E. Laubert</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Government Mortgage]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Meltdown]]></category>

		<guid isPermaLink="false">http://blog.razormortgage.com/?p=3</guid>
		<description><![CDATA[The newspapers have been touting the &#8220;meltdown&#8221; in the mortgage and real estate world which has caused some markets to react even more negatively than they would under the same circumstances without all the neagtive press and television coverage.  The fact remains that many banks did make numerous loans that are questionable.  This does not mean that [...]]]></description>
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