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		<title>CTeBockhorst&#039;s Blog</title>
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		<item>
		<title>Rates Down Slightly but Expected to Trend Higher &#124; HSH Financial News Blog</title>
		<link>http://ctebockhorst.wordpress.com/2012/02/22/rates-down-slightly-but-expected-to-trend-higher-hsh-financial-news-blog/</link>
		<comments>http://ctebockhorst.wordpress.com/2012/02/22/rates-down-slightly-but-expected-to-trend-higher-hsh-financial-news-blog/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 23:19:24 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[30 year mortgage rates]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[30 Year Fixed Rates]]></category>
		<category><![CDATA[Homebuyer's]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[mortgage program]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4661</guid>
		<description><![CDATA[Gumbinger noted that underlying interest rates which influence mortgages have been on the rise recently, a trend that will have at least some effect on mortgage rates before long.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4661&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">ctebockhorst</media:title>
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			<media:title type="html">interest rates</media:title>
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		<item>
		<title>Bipartisan Legislation Introduced to Hasten the Short Sale Process &#124; Mortgage News &#124; Daily National and State Headlines</title>
		<link>http://ctebockhorst.wordpress.com/2012/02/21/bipartisan-legislation-introduced-to-hasten-the-short-sale-process-mortgage-news-daily-national-and-state-headlines/</link>
		<comments>http://ctebockhorst.wordpress.com/2012/02/21/bipartisan-legislation-introduced-to-hasten-the-short-sale-process-mortgage-news-daily-national-and-state-headlines/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 16:27:55 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Foreclosure, Short Sale]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[Homebuyer's]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4648</guid>
		<description><![CDATA[“There are neighborhoods across the country full of empty homes and underwater owners that have legitimate offers, but unresponsive banks,” said Sen. Murkowski. “What we have here is a failure to communicate. Why don’t we make it easier for Americans trying to participate in the housing market, regardless of whether the answer is ‘yes,’ ‘no’ or ‘maybe?’”<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4648&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2012/02/21/bipartisan-legislation-introduced-to-hasten-the-short-sale-process-mortgage-news-daily-national-and-state-headlines/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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		<media:content url="http://ctebockhorst.files.wordpress.com/2012/02/short-sale-help2.jpg" medium="image">
			<media:title type="html">Short sale help2</media:title>
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		<item>
		<title>Will the Homebuyer Tax Credit Be Extended (Again)? &#124; HSH Financial News Blog</title>
		<link>http://ctebockhorst.wordpress.com/2012/02/19/will-the-homebuyer-tax-credit-be-extended-again-hsh-financial-news-blog/</link>
		<comments>http://ctebockhorst.wordpress.com/2012/02/19/will-the-homebuyer-tax-credit-be-extended-again-hsh-financial-news-blog/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 00:55:12 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Homebuyer's]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Tax credit]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4638</guid>
		<description><![CDATA[“If you’re a senator, you know you’re coming up for election. Do you want Realtors and builders to say that they tried to promote homeownership, but you said no? It’s an easy thing to stand behind during an election year,” [said HSH VP Keith Gumbinger].<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4638&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2012/02/19/will-the-homebuyer-tax-credit-be-extended-again-hsh-financial-news-blog/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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			<media:title type="html">tax credits</media:title>
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		<item>
		<title>Does mortgage insurance hurt my chances of a HARP refinance? &#124; HSH Financial News Blog</title>
		<link>http://ctebockhorst.wordpress.com/2012/02/17/does-mortgage-insurance-hurt-my-chances-of-a-harp-refinance-hsh-financial-news-blog/</link>
		<comments>http://ctebockhorst.wordpress.com/2012/02/17/does-mortgage-insurance-hurt-my-chances-of-a-harp-refinance-hsh-financial-news-blog/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 16:09:03 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Refinance information]]></category>
		<category><![CDATA[Debt-to-income ratio]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage insurance]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4623</guid>
		<description><![CDATA[The necessity of mortgage insurance can make it harder to secure a new loan through the Home Affordable Refinance Program (HARP). HARP was designed to help underwater homeowners refinance to current mortgage rates. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4623&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2012/02/17/does-mortgage-insurance-hurt-my-chances-of-a-harp-refinance-hsh-financial-news-blog/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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		<media:content url="http://ctebockhorst.files.wordpress.com/2012/02/harp-2.png" medium="image">
			<media:title type="html">HARP-2</media:title>
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		<item>
		<title>Foreclosure Starts See 30 Percent Drop in November &#124; Mortgage News &#124;</title>
		<link>http://ctebockhorst.wordpress.com/2012/01/07/foreclosure-starts-see-30-percent-drop-in-november-mortgage-news/</link>
		<comments>http://ctebockhorst.wordpress.com/2012/01/07/foreclosure-starts-see-30-percent-drop-in-november-mortgage-news/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 15:25:29 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4606</guid>
		<description><![CDATA[This degree of stagnation indicates that while the situation is not getting markedly worse, it is not improving either, and inventories of troubled loans remain significantly higher than pre-crisis levels across the board.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4606&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2012/01/07/foreclosure-starts-see-30-percent-drop-in-november-mortgage-news/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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		<media:content url="http://ctebockhorst.files.wordpress.com/2012/01/foreclosure-notice3.jpg" medium="image">
			<media:title type="html">foreclosure notice3</media:title>
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		<item>
		<title>Survey: Mpls home prices among nation&#8217;s biggest monthly declines</title>
		<link>http://ctebockhorst.wordpress.com/2011/12/27/survey-mpls-home-prices-among-nations-biggest-monthly-declines/</link>
		<comments>http://ctebockhorst.wordpress.com/2011/12/27/survey-mpls-home-prices-among-nations-biggest-monthly-declines/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 23:36:39 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Homeowner]]></category>
		<category><![CDATA[Minneapolis]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Real estate pricing]]></category>
		<category><![CDATA[Realestate]]></category>
		<category><![CDATA[Standard & Poor]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4582</guid>
		<description><![CDATA[WASHINGTON &#8211; U.S. home prices fell in most major cities for the second straight month, further evidence that the housing recovery will be bumpy and weigh on the broader economy in 2012.  The Standard &#38; Poor&#8217;s/Case-Shiller index released Tuesday showed prices dropped in October from September in 19 of the 20 cities tracked. Atlanta, Detroit [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4582&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2011/12/27/survey-mpls-home-prices-among-nations-biggest-monthly-declines/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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			<media:title type="html">ctebockhorst</media:title>
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		<media:content url="http://ctebockhorst.files.wordpress.com/2011/12/minneapolis-house-prices.jpg" medium="image">
			<media:title type="html">Minneapolis House prices</media:title>
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	</item>
		<item>
		<title>Fannie, Freddie release HARP 2.0 details &#124; HSH Financial News Blog</title>
		<link>http://ctebockhorst.wordpress.com/2011/11/16/fannie-freddie-release-harp-2-0-details-hsh-financial-news-blog/</link>
		<comments>http://ctebockhorst.wordpress.com/2011/11/16/fannie-freddie-release-harp-2-0-details-hsh-financial-news-blog/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 00:20:14 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Refinance information]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[Homeowner]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[mortgage program]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4553</guid>
		<description><![CDATA[HARP 2.0 will now run though December 31, 2013, and applications under the new guidelines can be accepted by lenders starting on December 1, 2011.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4553&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2011/11/16/fannie-freddie-release-harp-2-0-details-hsh-financial-news-blog/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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			<media:title type="html">FNMA, FHLMC</media:title>
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		<item>
		<title>Mortgage rates remain at historical lows as HARP 2.0 kicks off &#124; HSH Financial News Blog</title>
		<link>http://ctebockhorst.wordpress.com/2011/11/16/mortgage-rates-remain-at-historical-lows-as-harp-2-0-kicks-off-hsh-financial-news-blog/</link>
		<comments>http://ctebockhorst.wordpress.com/2011/11/16/mortgage-rates-remain-at-historical-lows-as-harp-2-0-kicks-off-hsh-financial-news-blog/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 23:35:45 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Refinance information]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Homeowner]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[mortgage program]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4537</guid>
		<description><![CDATA[Low mortgage rates are also a key ingredient to making HARP 2.0 a success. And according to the latest weekly mortgage rate report from HSH.com, rates remained near record lows for the wraparound week ending Nov. 15.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4537&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2011/11/16/mortgage-rates-remain-at-historical-lows-as-harp-2-0-kicks-off-hsh-financial-news-blog/feed/</wfw:commentRss>
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			<media:title type="html">ctebockhorst</media:title>
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		<media:content url="http://ctebockhorst.files.wordpress.com/2011/11/harp-2-0.jpg" medium="image">
			<media:title type="html">HARP 2.0</media:title>
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		<title>Twin Cities Homes For Sale Inventory Hits 7 Year Low</title>
		<link>http://ctebockhorst.wordpress.com/2011/11/11/twin-cities-homes-for-sale-inventory-hits-7-year-low/</link>
		<comments>http://ctebockhorst.wordpress.com/2011/11/11/twin-cities-homes-for-sale-inventory-hits-7-year-low/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 22:02:46 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[real estate]]></category>
		<category><![CDATA[Homebuyer's]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Minneapolis]]></category>
		<category><![CDATA[Minneapolis Area Association of REALTORS]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://ctebockhorst.wordpress.com/?p=4526</guid>
		<description><![CDATA[With the large number of foreclosures and short sales sold in recent years, the number of “move up” buyers is greatly reduced since when a foreclosure or short sale sells there isn’t a new buyer created.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4526&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ctebockhorst.wordpress.com/2011/11/11/twin-cities-homes-for-sale-inventory-hits-7-year-low/feed/</wfw:commentRss>
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		<title>Twin Cities Real Estate Market Update &#8211; October 30, 2011</title>
		<link>http://ctebockhorst.wordpress.com/2011/11/08/twin-cities-real-estate-market-update-october-30-2011/</link>
		<comments>http://ctebockhorst.wordpress.com/2011/11/08/twin-cities-real-estate-market-update-october-30-2011/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 18:39:48 +0000</pubDate>
		<dc:creator>ctebockhorst</dc:creator>
				<category><![CDATA[real estate]]></category>
		<category><![CDATA[Minneapolis]]></category>
		<category><![CDATA[Minneapolis – Saint Paul]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Twin Cities]]></category>
		<category><![CDATA[Twin Cities Real Estate Market Update]]></category>

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		<description><![CDATA[While underwater homeowners are eagerly awaiting the details of an expanded federal refinance effort (due out Nov. 15), the economic woes which are putting the screws to so many here and abroad should continue to put downward pressure on mortgage rates as the enhanced refinance effort begins.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ctebockhorst.wordpress.com&amp;blog=6675534&amp;post=4493&amp;subd=ctebockhorst&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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