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	<title>Affirmations of a Certified Mortgage Planner</title>
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	<link>http://mycmps.wordpress.com</link>
	<description>The World Through the Eyes of James K Barath</description>
	<lastBuildDate>Mon, 10 May 2010 14:04:12 +0000</lastBuildDate>
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		<title>Affirmations of a Certified Mortgage Planner</title>
		<link>http://mycmps.wordpress.com</link>
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		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : May 10, 2010</title>
		<link>http://mycmps.wordpress.com/2010/05/10/mortgage-rates-week-ahead-may-10-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/05/10/mortgage-rates-week-ahead-may-10-2010/#comments</comments>
		<pubDate>Mon, 10 May 2010 12:56:07 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Weekly Review]]></category>
		<category><![CDATA[Greece]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Non-Farm Payrolls]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/10/mortgage-rates-week-ahead-may-10-2010/</guid>
		<description><![CDATA[Mortgage markets improved to their best levels of 2010 last week, aided by events half a world away and ongoing safe haven buying.  Greece's debt problems continue to help mortgage rate shoppers around the country.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=418&subd=mycmps&ref=&feed=1" />]]></description>
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		<media:content url="http://bringtheblog.com/i/net-nfp-job-gains-201004.png" medium="image">
			<media:title type="html">Non-Farm Payrolls May 2008-April 2010</media:title>
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		<item>
		<title>Markets Ignore The April Jobs Report And It&#8217;s Good News For Mortgage Rates</title>
		<link>http://mycmps.wordpress.com/2010/05/07/non-farm-payrolls-april-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/05/07/non-farm-payrolls-april-2010/#comments</comments>
		<pubDate>Fri, 07 May 2010 14:06:08 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Jobs,Greece,Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/07/non-farm-payrolls-april-2010/</guid>
		<description><![CDATA[Despite 290,000 jobs created in April 2010 -- nearly twice the expected amount -- and a 40 percent upward revision of March's numbers, mortgage rates are essentially unchanged. In a normal environment, rates would be higher.  Today is not normal.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=417&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/05/07/non-farm-payrolls-april-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/unemployment-rate-201003.png" medium="image">
			<media:title type="html">Unemployment Rate 2007-2010</media:title>
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		<item>
		<title>1 In 8 Banks Tightened Prime Mortgage Standards Last Quarter</title>
		<link>http://mycmps.wordpress.com/2010/05/06/mortgage-guidelines-tighten-q1/</link>
		<comments>http://mycmps.wordpress.com/2010/05/06/mortgage-guidelines-tighten-q1/#comments</comments>
		<pubDate>Thu, 06 May 2010 13:03:18 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Federal Reserve,Senior Loan Officer Survey,Fannie Mae]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/06/mortgage-guidelines-tighten-q1/</guid>
		<description><![CDATA[The Federal Reserve says that financial markets "remain supportive of economic growth". Residential mortgage guidelines, however, continue to tighten. If you've applied for a home loan recently, you probably felt it; extra scrutiny on income, assets and credit scores, among other things.  The hard proof of the changes, however, can be found in the Federal Reserve's quarterly survey of its member banks. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=416&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/05/06/mortgage-guidelines-tighten-q1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
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			<media:title type="html">Senior Loan Officer Opinion Survey on Bank Lending Practices</media:title>
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	</item>
		<item>
		<title>March Pending Home Sales Point To Stronger Spring Market</title>
		<link>http://mycmps.wordpress.com/2010/05/05/pending-home-sales-march-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/05/05/pending-home-sales-march-2010/#comments</comments>
		<pubDate>Wed, 05 May 2010 12:54:18 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Pending Home Sales]]></category>
		<category><![CDATA[Pending Home Sales,Tax Credit]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/05/pending-home-sales-march-2010/</guid>
		<description><![CDATA[Today's home buyers should consider making offer sooner rather than later.  Looking at the data, it appears the best time to have found a "deal" on a home may have been in February.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=415&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/05/05/pending-home-sales-march-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/pending-home-sales-201003.png" medium="image">
			<media:title type="html">Pending Home Sales September 2008 March 2010</media:title>
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	</item>
		<item>
		<title>Fannie Mae Tightens Guidelines On ARMs And Interest Only Products</title>
		<link>http://mycmps.wordpress.com/2010/05/04/fannie-mae-tightens-interest-only/</link>
		<comments>http://mycmps.wordpress.com/2010/05/04/fannie-mae-tightens-interest-only/#comments</comments>
		<pubDate>Tue, 04 May 2010 13:00:35 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Fannie Mae,Mortgage Guidelines,Interest Only]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/04/fannie-mae-tightens-interest-only/</guid>
		<description><![CDATA[For the first time this year, Fannie Mae announced significant updates to its mortgage underwriting guidelines. The changes include newer, harsher ARM qualification standards, the elimination of a once-popular loan product, and tighter rules for interest only mortgages.  <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=414&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/05/04/fannie-mae-tightens-interest-only/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
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		<media:content url="http://bringtheblog.com/i/fannie-mae-guideline-tighten-screws.jpg" medium="image">
			<media:title type="html">Fannie Mae tightens its mortgage guidelines</media:title>
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		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : May 3, 2010</title>
		<link>http://mycmps.wordpress.com/2010/05/03/mortgage-rates-week-ahead-may-3-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/05/03/mortgage-rates-week-ahead-may-3-2010/#comments</comments>
		<pubDate>Mon, 03 May 2010 12:54:10 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Weekly Review]]></category>
		<category><![CDATA[Mortgage Rates,Greece,Jobs]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/05/03/mortgage-rates-week-ahead-may-3-2010/</guid>
		<description><![CDATA[Mortgage markets improved last week on tame inflation data, a benign statement from the Federal Reserve, and ongoing credit problems in Greece.  The factors combined to drop conforming mortgage rates to their lowest levels in 6 weeks.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=413&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/05/03/mortgage-rates-week-ahead-may-3-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/nfp-net-job-gains-201003.png" medium="image">
			<media:title type="html">Net Job Gains April 2008-March 2010</media:title>
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		<item>
		<title>The Headlines Were Overly Rosy On February&#8217;s Case-Shiller Index</title>
		<link>http://mycmps.wordpress.com/2010/04/30/case-shiller-index-february-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/04/30/case-shiller-index-february-2010/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 12:59:45 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Case-Shiller Index]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/04/30/case-shiller-index-february-2010/</guid>
		<description><![CDATA[Overwhelmingly, home values fell in the 20 markets tracked by the Case-Shiller. Only San Diego showed a modest increase.  The other 19 markets averaged a 1.23 percent decline between January and February. However, that's not the story you read in the most papers.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=412&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/04/30/case-shiller-index-february-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/case-shiller-delta-201002.png" medium="image">
			<media:title type="html">Case-Shiller Change In Home Values Jan-Feb 2010</media:title>
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	</item>
		<item>
		<title>The Fed Adjourns From A 2-Day Meeting Today And What It Means For Mortgage Rates</title>
		<link>http://mycmps.wordpress.com/2010/04/28/fomc-meeting-lock-strategy/</link>
		<comments>http://mycmps.wordpress.com/2010/04/28/fomc-meeting-lock-strategy/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 12:58:53 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FOMC]]></category>
		<category><![CDATA[FOMC,Fed Funds Rate,Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/04/28/fomc-meeting-lock-strategy/</guid>
		<description><![CDATA[The Federal Reserve adjourns from a scheduled, 2-day meeting today.  It's one of 8 scheduled Fed meetings for 2010.  Upon adjournment, Fed Chairman Ben Bernanke &#38; Co. will release a formal statement to the market. In it, the Fed is expected to announce "no change" in the Fed Funds Rate.  Mortgage rates, however, WILL change.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=410&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/04/28/fomc-meeting-lock-strategy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/ffr-v-30-year-fixed-small.png" medium="image">
			<media:title type="html">Comparing 30-year fixed mortgage rate to Fed Funds Rate since 1990</media:title>
		</media:content>
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		<item>
		<title>A Simple Explanation Of The Federal Reserve Statement (April 28, 2010 Edition)</title>
		<link>http://mycmps.wordpress.com/2010/04/28/fomc-april-28-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/04/28/fomc-april-28-2010/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 06:56:09 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FOMC]]></category>
		<category><![CDATA[FOMC,Fed Funds Rate]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/04/28/fomc-april-28-2010/</guid>
		<description><![CDATA[Today, the Federal Open Market Committee voted 9-to-1 to leave the Fed Funds Rate unchanged, in its target range of 0.000-0.250 percent. Mortgage rates are rising this afternoon.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=411&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/04/28/fomc-april-28-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/FOMC-Announcement.jpg" medium="image">
			<media:title type="html">Putting the FOMC statement in plain English</media:title>
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		<item>
		<title>New Homes Sales Were Strong in March, But Not As Strong As The News Would Have You Believe</title>
		<link>http://mycmps.wordpress.com/2010/04/27/new-home-sales-march-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/04/27/new-home-sales-march-2010/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 13:00:39 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[New Home Sales]]></category>
		<category><![CDATA[New Home Sales,New Home Supply,Tax Credit]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/04/27/new-home-sales-march-2010/</guid>
		<description><![CDATA[The sales of newly-built homes soared in March. Even more than what was expected. But the news may not be as glowing as what the media is telling us.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=409&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/04/27/new-home-sales-march-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1584b830b1d2ab3ffca9c989b5d35383?s=96&#38;d=&#38;r=PG" medium="image">
			<media:title type="html">myCMPS</media:title>
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		<media:content url="http://bringtheblog.com/i/new-home-sales-201003.png" medium="image">
			<media:title type="html">New Home Sales Mar 2009-Mar 2010</media:title>
		</media:content>
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		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : April 26, 2010</title>
		<link>http://mycmps.wordpress.com/2010/04/26/mortgage-rates-week-ahead-apr-26-2010/</link>
		<comments>http://mycmps.wordpress.com/2010/04/26/mortgage-rates-week-ahead-apr-26-2010/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 13:00:25 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Weekly Review]]></category>
		<category><![CDATA[Mortgage Rates,FOMC,Goldman Sachs]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2010/04/26/mortgage-rates-week-ahead-apr-26-2010/</guid>
		<description><![CDATA[Mortgage rates rose last week.  This week, economic data will be at the forefront, as will the Federal Reserve which meets for one of its 8 scheduled meetings of the year. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=408&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2010/04/26/mortgage-rates-week-ahead-apr-26-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
		</media:content>

		<media:content url="http://bringtheblog.com/i/fed-meets-this-week.jpg" medium="image">
			<media:title type="html">Federal Reserve meets Apr 27-28 2010</media:title>
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