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	<title>Mark Afman.com</title>
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	<link>http://markafman.com</link>
	<description>I want to earn your respect, then your business.</description>
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		<title>Forbearance to Help Foreclosures</title>
		<link>http://markafman.com/2012/01/31/607/%</link>
		<comments>http://markafman.com/2012/01/31/607/%#comments</comments>
		<pubDate>Tue, 31 Jan 2012 21:06:12 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=607</guid>
		<description><![CDATA[We all know someone who has lost their job and/or is having trouble finding gainful employment because of the battered economy.  This can be a challenging and scary situation to be in when you are a homeowner.  Many borrowers are embarrassed and are unsure of their options if they are having trouble making their payments.  [...]]]></description>
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		<title>Low rates….but low inventory as well</title>
		<link>http://markafman.com/2012/01/26/low-rates-but-low-inventory-as-well/%</link>
		<comments>http://markafman.com/2012/01/26/low-rates-but-low-inventory-as-well/%#comments</comments>
		<pubDate>Fri, 27 Jan 2012 06:27:50 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=597</guid>
		<description><![CDATA[It’s no surprise that we are enjoying historically low interest rates. However, at least here in the Denver area, we are also dealing with very low inventory levels as well.  If you follow www.insiderealestatenews.com you may have read a recent article from John Rebchook where he talks about the decrease in the number of released deeds [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>More on the G-Fees</title>
		<link>http://markafman.com/2012/01/16/more-on-the-g-fees/%</link>
		<comments>http://markafman.com/2012/01/16/more-on-the-g-fees/%#comments</comments>
		<pubDate>Tue, 17 Jan 2012 00:24:33 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=586</guid>
		<description><![CDATA[A few days ago Joel posted an article on G-Fees or Guarantee Fees and how rates on Conventional loans will be going up due to the fact that Mortgage borrowers are being saddled with paying the Temporary Payroll Tax Cut Continuation Act of 2011. Interesting how a &#8220;tax cut&#8221; is still costing someone money and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>G-Fees, What are they and how will they affect Interest Rates?</title>
		<link>http://markafman.com/2012/01/11/g-fees-what-are-they-and-how-will-they-affect-interest-rates/%</link>
		<comments>http://markafman.com/2012/01/11/g-fees-what-are-they-and-how-will-they-affect-interest-rates/%#comments</comments>
		<pubDate>Wed, 11 Jan 2012 23:11:29 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Conventional]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Guarantee fees]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=577</guid>
		<description><![CDATA[Recently, there’s been a lot of talk about G-fees (guaranty fees) increasing and how this may affect interest rates.  You may have heard about this from a number of sources and there seems to be varying opinions…some more dramatic than others…floating around about what this will do.             The reason for the G-fee increase is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What is the minimum requirement for a mortgage?</title>
		<link>http://markafman.com/2011/12/26/what-is-the-minimum-requirement-for-a-mortgage/%</link>
		<comments>http://markafman.com/2011/12/26/what-is-the-minimum-requirement-for-a-mortgage/%#comments</comments>
		<pubDate>Tue, 27 Dec 2011 04:43:42 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Denver]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[minimum]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=559</guid>
		<description><![CDATA[I was asked what the bare minimum requirements are to be considered for a mortgage. I can&#8217;t speak for all lenders but the answer that I can give is: 1) A credit score no lower then 620. 2) A debt ratio (defined as your gross monthly income divided by your minimum monthly housing and consumer [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Need Some Good News?</title>
		<link>http://markafman.com/2011/12/20/540/%</link>
		<comments>http://markafman.com/2011/12/20/540/%#comments</comments>
		<pubDate>Tue, 20 Dec 2011 18:20:19 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=540</guid>
		<description><![CDATA[Are you a &#8220;glass is half full&#8221; or &#8220;glass is half empty&#8221; kind of person? Growing up, I was very cynical about life and even into my adult years I was a pretty pessimistic guy. When something bad would happen I would justify it by thinking that it was going to happen anyway so why should I think that [...]]]></description>
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		<title>I Have A Partner</title>
		<link>http://markafman.com/2011/12/12/i-have-a-partner/%</link>
		<comments>http://markafman.com/2011/12/12/i-have-a-partner/%#comments</comments>
		<pubDate>Mon, 12 Dec 2011 18:45:38 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Blog]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=514</guid>
		<description><![CDATA[I would like to announce that I now have a partner working with me. His name is Joel Houwer and he is a fully Licensed Loan Officer in the state of Colorado. Joel and I will be working together to bring an even higher level of customer service to you or your referred clients. He provides a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>CHFA is Changing Their Credit Score Minimium</title>
		<link>http://markafman.com/2011/10/28/chfa-is-changing-their-credit-score-minimium/%</link>
		<comments>http://markafman.com/2011/10/28/chfa-is-changing-their-credit-score-minimium/%#comments</comments>
		<pubDate>Fri, 28 Oct 2011 19:09:00 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=492</guid>
		<description><![CDATA[This came in from CHFA today:   Important Program Update October 28, 2011 New Credit Score Floor to go into effect January 1, 2012Effective for Reservations made after January 1, 2012, CHFA&#8217;s Home Finance programs will no longer be available to borrowers with credit scores below 620. CHFA&#8217;s mission has been and continues to be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortrgage Insurance, MIP vs PMI</title>
		<link>http://markafman.com/2011/10/27/mortrgage-insurance-mip-vs-pmi/%</link>
		<comments>http://markafman.com/2011/10/27/mortrgage-insurance-mip-vs-pmi/%#comments</comments>
		<pubDate>Fri, 28 Oct 2011 05:25:35 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=477</guid>
		<description><![CDATA[In the lending business there is 0ne thing that every one hates&#8230;Mortgage Insurance &#8230;well except for those companies that sell it. So I get asked all the time &#8220;why do I have to pay that, what does it do for me? My only answer is that it&#8217;s the price you have to pay for not [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Shameless Self Promotion.</title>
		<link>http://markafman.com/2011/09/19/shameless-self-promotion/%</link>
		<comments>http://markafman.com/2011/09/19/shameless-self-promotion/%#comments</comments>
		<pubDate>Mon, 19 Sep 2011 18:38:00 +0000</pubDate>
		<dc:creator>Mark Afman</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://markafman.com/?p=452</guid>
		<description><![CDATA[It&#8217;s always nice to get a note from people telling me that I my services are appreciated. My company askes for feedback after a deal is done and, although I don&#8217;t do this very often, I just wanted to share these kind words and say thanks for the opportunity to help them. My Family and I have [...]]]></description>
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