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	<title>Hall Financial</title>
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	<description>Birmingham, MI Mortgage Lender</description>
	<lastBuildDate>Wed, 01 Sep 2010 16:18:54 +0000</lastBuildDate>
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		<title>FHA Home Loans, What are They and Should You Get One?</title>
		<link>http://hallfinancialcorp.com/blog/fha-home-loans-what-are-they-and-should-you-get-one/</link>
		<comments>http://hallfinancialcorp.com/blog/fha-home-loans-what-are-they-and-should-you-get-one/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 16:11:11 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=693</guid>
		<description><![CDATA[FHA loans are one of a variety of government mortgage programs created to promote home ownership. Administered by the Federal Housing Administration (FHA), an FHA home loan is one that is insured by FHA against the borrower’s potential default (i.e., not paying back the mortgage loan). This unique guarantee from the Federal government to mortgage [...]]]></description>
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		<title>Don’t Fear Your Credit. You Deserve to Buy a Home.</title>
		<link>http://hallfinancialcorp.com/blog/dont-fear-your-credit-you-deserve-to-buy-a-home/</link>
		<comments>http://hallfinancialcorp.com/blog/dont-fear-your-credit-you-deserve-to-buy-a-home/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 19:32:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Home Buying]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=687</guid>
		<description><![CDATA[Nothing makes a potential home buyer more fearful than their credit. Many new home buyers are paralyzed with thoughts of, “Am I good enough to be a homeowner?” Well, I’ll give you the simple answer: “Of course you are!” Why You Shouldn’t Fear Your Credit Score Home ownership has always been a fundamental premise of [...]]]></description>
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		<title>Could a Cash-in Refinance Make You Money?</title>
		<link>http://hallfinancialcorp.com/blog/could-a-cash-in-refinance-make-you-money/</link>
		<comments>http://hallfinancialcorp.com/blog/could-a-cash-in-refinance-make-you-money/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:07:43 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=671</guid>
		<description><![CDATA[With mortgage rates at historic lows most homeowners have considered refinancing their current mortgage. According to the US Census Bureau’s 2009 American Housing Survey, over 24 million homeowners still have mortgages over 6 percent. Unfortunately, many of these folks (maybe you included) have assumed that refinancing is impossible because of losses in home values, but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>30 Year Mortgage Rates Fall to Record Lows</title>
		<link>http://hallfinancialcorp.com/blog/30-year-mortgage-rates-fall-below-4-5/</link>
		<comments>http://hallfinancialcorp.com/blog/30-year-mortgage-rates-fall-below-4-5/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 12:27:34 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[RealtyTrac]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=591</guid>
		<description><![CDATA[Image via Wikipedia For the eighth straight week mortgage rates fall, continuing to break new record lows. 30 year fixed rate mortgages are now averaging well below historic lows. These average national mortgage rates are reported by Freddie Mac, one of the largest holders of US mortgages. Mortgage Rates at Record Lows Current mortgage rates [...]]]></description>
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		<title>Short Sales Triple Since 2008. Your Home Buying Opportunity?</title>
		<link>http://hallfinancialcorp.com/blog/short-sales-triple-since-2008-your-home-buying-opportunity/</link>
		<comments>http://hallfinancialcorp.com/blog/short-sales-triple-since-2008-your-home-buying-opportunity/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 17:06:24 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=550</guid>
		<description><![CDATA[Image via Wikipedia Are you looking for a cheap way to buy a new home? Looking for a bank short sale might be the answer and according to a recent study, these deals are a lot easier to find these days. CoreLogic, a Santa Ana, California mortgage and real estate research firm, just completed a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Fix Credit Report Mistakes</title>
		<link>http://hallfinancialcorp.com/blog/how-to-fix-credit-report-mistakes/</link>
		<comments>http://hallfinancialcorp.com/blog/how-to-fix-credit-report-mistakes/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 18:34:22 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit history]]></category>
		<category><![CDATA[Credit score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Transunion]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=456</guid>
		<description><![CDATA[Image via Wikipedia Credit report inaccuracies can kill your credit score. Worse yet you might not even know there are mistakes on your credit report. Your credit scores impact all facets of your life. Credit determines whether you qualify and how much you pay for mortgages, auto loans, and other bank lending. Your credit report [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Danger! My Dream Home is Still on the Market</title>
		<link>http://hallfinancialcorp.com/blog/danger-my-dream-home-is-still-on-the-market-2/</link>
		<comments>http://hallfinancialcorp.com/blog/danger-my-dream-home-is-still-on-the-market-2/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 12:58:36 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[birmingham]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=451</guid>
		<description><![CDATA[Image via Wikipedia My Dad always reminded me, &#8220;Good times don&#8217;t last forever!&#8221; This is a warning you should be heeding as this housing and mortgage market begins to shift. If you&#8217;re dream home is sitting out there it&#8217;s not likely to be there long. You&#8217;ve probably already seen the headlines, &#8220;30-year mortgage rates hit [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Danger! My Dream Home is Still on the Market</title>
		<link>http://hallfinancialcorp.com/blog/danger-my-dream-home-is-still-on-the-market/</link>
		<comments>http://hallfinancialcorp.com/blog/danger-my-dream-home-is-still-on-the-market/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 12:58:36 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[birmingham]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=451</guid>
		<description><![CDATA[Image via Wikipedia My Dad always reminded me, &#8220;Good times don&#8217;t last forever!&#8221; This is a warning you should be heeding as this housing and mortgage market begins to shift. If you&#8217;re dream home is sitting out there it&#8217;s not likely to be there long. You&#8217;ve probably already seen the headlines, &#8220;30-year mortgage rates hit [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Rich Walking Away From Homes, Could This Be Your Opportunity?</title>
		<link>http://hallfinancialcorp.com/blog/rich-walking-away-from-homes-could-this-be-your-opportunity/</link>
		<comments>http://hallfinancialcorp.com/blog/rich-walking-away-from-homes-could-this-be-your-opportunity/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 19:45:29 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[birmingham]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Wealth]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=349</guid>
		<description><![CDATA[Image via Wikipedia I&#8217;ve told you before there is gold in these fancy Southeast Michigan neighborhoods. Take a drive through Birmingham, Beverly Hills, Bloomfield Hills, or Franklin and what do you notice? That&#8217;s right&#8230;For Sale signs. Cleverly disguised short sales and foreclosures. These Realtor signs are the hallmarks of a trend banks are just starting [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>WARNING: Do Not Look at Another House Until You Read This</title>
		<link>http://hallfinancialcorp.com/blog/warning-do-not-look-at-another-house-until-you-read-this/</link>
		<comments>http://hallfinancialcorp.com/blog/warning-do-not-look-at-another-house-until-you-read-this/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 11:34:52 +0000</pubDate>
		<dc:creator>David Hall</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Pre-qualification]]></category>
		<category><![CDATA[Ranch-style house]]></category>

		<guid isPermaLink="false">http://hallfinancialcorp.com/blog/?p=277</guid>
		<description><![CDATA[Image via Wikipedia Why would you shop for a home without knowing your price range? Having a pre-approval on your mortgage not only lets you know what you can afford, but gives you negotiating power. Spending a few minutes with an expert in home loans, getting you pre-qualified, can save you time and money. Here [...]]]></description>
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