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	<title>Georgia Mortgage FHA &#187; Uncategorized</title>
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	<description>NMLS ID 208452 - (678) 439-8683</description>
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		<title>FHA mortgage insurance changes official</title>
		<link>http://kennycook.com/2010/09/fha-mortgage-insurance-changes-official/</link>
		<comments>http://kennycook.com/2010/09/fha-mortgage-insurance-changes-official/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 13:35:55 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[georgia]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mip]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[UFMIP]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=884</guid>
		<description><![CDATA[HUD has issued Mortgagee Letter 2010-28 changing the Upfront and Annual Mortgage Insurance Premiums effective with case numbers assigned on or after October 4, 2010 as follows: Upfront Premiums Loan Type Upfront Premium Requirement Purchase &#38; Full Credit Qualifying Refinances 100 BPS Streamline Refinances (all types) 100 BPS Annual Premiums LTV Annual Premiums for Terms [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Short sales and new loan approval</title>
		<link>http://kennycook.com/2010/06/short-sales-and-new-loan-approval/</link>
		<comments>http://kennycook.com/2010/06/short-sales-and-new-loan-approval/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 21:53:37 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=508</guid>
		<description><![CDATA[Image by futureatlas.com via Flickr With the number of short sales, properties being sold for much less than payoff, the question becomes more and more popular and, unfortunately, more and more necessary. “How long after a short sale can we qualify again?” It is a question often asked and until now the answer, with the [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Here come the changes</title>
		<link>http://kennycook.com/2009/12/here-come-the-changes/</link>
		<comments>http://kennycook.com/2009/12/here-come-the-changes/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 15:35:55 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=360</guid>
		<description><![CDATA[Making it more obvious every time regulatory changes are made at high level that those who make the changes are more in favor of big banking than the individual HUD and the GSEs have struck again. Beginning in January you will have a new Good Faith form and HUD settlement statement. The objective is to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Massive and sweeping changes to lending</title>
		<link>http://kennycook.com/2009/12/massive-and-sweeping-changes-to-lending/</link>
		<comments>http://kennycook.com/2009/12/massive-and-sweeping-changes-to-lending/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 02:33:42 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=356</guid>
		<description><![CDATA[Just when you thought the changes were slowing here come some of the most sweeping changes in the mortgage industry in decades. Brokers are all but gone &#8211; down to numbers less than 20% of less than two years ago. In Georgia alone the number of licensed mortgage brokers has dropped from 8700 to only [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA &#8211; Government Insured Home Loans</title>
		<link>http://kennycook.com/2009/11/fha-government-insured-home-loans/</link>
		<comments>http://kennycook.com/2009/11/fha-government-insured-home-loans/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 19:37:11 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=350</guid>
		<description><![CDATA[What is the purpose of this program? To provide mortgage insurance for a person to purchase or refinance a principal residence. The mortgage loan is funded by a lending institution, such as a mortgage company, bank, savings and loan association and the mortgage is insured by HUD. What are the eligibility requirements? The borrower must [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>FHA Loans and HUD Homes for $100 Down Payment</title>
		<link>http://kennycook.com/2009/11/fha-loans-and-hud-homes-for-100-down-payment/</link>
		<comments>http://kennycook.com/2009/11/fha-loans-and-hud-homes-for-100-down-payment/#comments</comments>
		<pubDate>Sun, 08 Nov 2009 22:59:13 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=337</guid>
		<description><![CDATA[Earlier in 2009 HUD put a nail in the coffin of one of the only stimulas packages that had ever been successful without spending your tax dollars and that was Down Payment Assistance offered by companies like Nehemiah. The way it was worded was to say that homes purchased using independent, not-for-profit down payment assistance [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Georgia Dream Disaster Expansion &#8211; Down Payment Assistance</title>
		<link>http://kennycook.com/2009/10/georgia-dream-disaster-expansion-down-payment-assistance/</link>
		<comments>http://kennycook.com/2009/10/georgia-dream-disaster-expansion-down-payment-assistance/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 19:18:41 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[down payment assistance]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[georgia]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=328</guid>
		<description><![CDATA[The Georgia Dream down payment assistance plan has been extended to higher loan amounts and higher income amounts in the Fall and Winter of 2009. Call me on my cell phone for specific examples of the augmentation to this program &#8211; that&#8217;s 678-439-8683. Here is some information directly from Georgia DCA about the Georgia Dream [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time Limit on Loan Approval on GAR Contract? Okay, go ahead &#8230;</title>
		<link>http://kennycook.com/2007/01/time-limit-on-loan-approval-on-gar-contract-okay-go-ahead/</link>
		<comments>http://kennycook.com/2007/01/time-limit-on-loan-approval-on-gar-contract-okay-go-ahead/#comments</comments>
		<pubDate>Sat, 13 Jan 2007 18:12:54 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=325</guid>
		<description><![CDATA[Before I get too deep into this post let me say that I respect what real estate agents do. I know and understand what they do because I have a very close relationship to a brokerage run by my sister and owned by my wife. Also let me add that I believe applicants should be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(Un)Fair Lending Acts And Your Loss of Rights (Also Called Predatory Lending Laws)</title>
		<link>http://kennycook.com/2007/01/unfair-lending-acts-and-your-loss-of-rights-also-called-predatory-lending-laws/</link>
		<comments>http://kennycook.com/2007/01/unfair-lending-acts-and-your-loss-of-rights-also-called-predatory-lending-laws/#comments</comments>
		<pubDate>Thu, 11 Jan 2007 18:11:33 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=323</guid>
		<description><![CDATA[Back in 2001 we changed directions. Originally we had been known as &#8220;Home of the American Dream&#8220;. We enjoyed our reign as champion of purchases for homebuyers who could not find an affordable loan for which they could qualify. Following the challenge by President Bush to put 10,000,000 new families in homes by the end [...]]]></description>
		<wfw:commentRss>http://kennycook.com/2007/01/unfair-lending-acts-and-your-loss-of-rights-also-called-predatory-lending-laws/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is &#8220;Rapid Acquisition&#8221; and Why Should Anyone Care?</title>
		<link>http://kennycook.com/2007/01/what-is-rapid-acquisition-and-why-should-anyone-care/</link>
		<comments>http://kennycook.com/2007/01/what-is-rapid-acquisition-and-why-should-anyone-care/#comments</comments>
		<pubDate>Wed, 10 Jan 2007 18:04:28 +0000</pubDate>
		<dc:creator>Ken Cook NMLS ID 208452</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kennycook.com/?p=320</guid>
		<description><![CDATA[We should go back in history to the time when you had to be a financially responsible citizen to purchase real estate through conventional methods &#8230; but we will not. At least not in this posting. Instead we will very shortly answer the question, &#8220;What is rapid acquisition and how does it affect real estate [...]]]></description>
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		<slash:comments>0</slash:comments>
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