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	<title>Boise Idaho Real Estate&#187; Mortgage Loans</title>
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	<link>http://www.karengeselle.com</link>
	<description>helping you find your way home....</description>
	<lastBuildDate>Mon, 23 Aug 2010 22:28:00 +0000</lastBuildDate>
	
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		<title>Struggling to make your mortgage payment?  Here&#8217;s help&#8230;.</title>
		<link>http://www.karengeselle.com/2009/07/06/struggling-to-make-your-mortgage-payment-heres-help/</link>
		<comments>http://www.karengeselle.com/2009/07/06/struggling-to-make-your-mortgage-payment-heres-help/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 16:12:43 +0000</pubDate>
		<dc:creator>kgeselle</dc:creator>
				<category><![CDATA[Boise Business]]></category>
		<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=874</guid>
		<description><![CDATA[
			
				
			
		
Good news for those struggling homeowners who have continued to make their monthly mortgage payment.  HUD director Shaun Donovan announced an expansion of the Home Affordability Finance Program (HARP).  This program is aimed at helping homeowners take advantage of lower interest rates &#8211; or a fixed interest rate &#8211; even though they are [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Interest rates up?  Sales will be down.</title>
		<link>http://www.karengeselle.com/2009/07/03/interest-rates-up-sales-will-be-down/</link>
		<comments>http://www.karengeselle.com/2009/07/03/interest-rates-up-sales-will-be-down/#comments</comments>
		<pubDate>Fri, 03 Jul 2009 22:13:53 +0000</pubDate>
		<dc:creator>kgeselle</dc:creator>
				<category><![CDATA[Boise Business]]></category>
		<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Home Seller Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=813</guid>
		<description><![CDATA[
			
				
			
		
Back in March, I blogged about whether home buyers should buy now or wait for further declines in home values and how interest rate increases could price a home buyer out of the market.  A economist with Stewart Title provided a scenario where some home buyers would be priced out of the market if [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy Now or Later</title>
		<link>http://www.karengeselle.com/2009/03/26/buy-now-or-later/</link>
		<comments>http://www.karengeselle.com/2009/03/26/buy-now-or-later/#comments</comments>
		<pubDate>Thu, 26 Mar 2009 16:53:29 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Business]]></category>
		<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Timing the Real Estate Market]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=427</guid>
		<description><![CDATA[
			
				
			
		
Recently I attended a seminar given by Dr. Ted Jones, Senior Vice President-Chief Economist for Stewart Title Guaranty Company, a national company that provides title insurance and escrow services in the real estate industry.  He provided a lot of common sense information about the current state of our economy.  But the one idea [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Facing foreclosure?</title>
		<link>http://www.karengeselle.com/2009/03/06/facing-foreclosure/</link>
		<comments>http://www.karengeselle.com/2009/03/06/facing-foreclosure/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 17:29:21 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Business]]></category>
		<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Seller Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=366</guid>
		<description><![CDATA[
			
				
			
		
Last Tuesday, President Obama, through Treasury Secretary Timothy Geithner, laid out his plan to help homeowners who are facing foreclosure &#8211; either because they are already behind in their monthly mortgage payments or because they are about to be.  The plan is designed to help homeowners who are having difficulties paying their mortgage payments [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>To refinance or not to refinance?</title>
		<link>http://www.karengeselle.com/2009/01/31/to-refinance-or-not-to-refinance/</link>
		<comments>http://www.karengeselle.com/2009/01/31/to-refinance-or-not-to-refinance/#comments</comments>
		<pubDate>Sat, 31 Jan 2009 17:33:16 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=325</guid>
		<description><![CDATA[
			
				
			
		
Interest rates have been hovering around 5% &#8211; dipping to 4.875% a couple of weeks ago and rising to 5.12% this past week.  With interest rates at these levels, you may be asking yourself, &#8220;When does it make sense to refinance?&#8221;
Acording to Kellie Allen of Guild Mortgage, the general guideline for refinancing is a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Loan Modification Specialists?</title>
		<link>http://www.karengeselle.com/2008/12/17/mortgage-loan-modification-specialists/</link>
		<comments>http://www.karengeselle.com/2008/12/17/mortgage-loan-modification-specialists/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 16:46:06 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Business]]></category>
		<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Home Seller Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[This & That]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=252</guid>
		<description><![CDATA[
			
				
			
		
The Idaho Department of Finance is warning struggling Idaho homeowners against the upsurge of &#8220;mortgage loan modification specialists&#8221; who are making promises of relief from increasing mortgage payments.  Gavin McGee, director of the Idaho Department of Finance, states that &#8220;We are receiving an increasing number of inquiries from struggling homeowners about such offers.&#8221;  [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Interest Rates Today</title>
		<link>http://www.karengeselle.com/2008/12/02/interest-rates-dec-02/</link>
		<comments>http://www.karengeselle.com/2008/12/02/interest-rates-dec-02/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 23:38:17 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[This & That]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/?p=247</guid>
		<description><![CDATA[
			
				
			
		
RATE                        POINT
15 Year Fixed                             [...]]]></description>
		<wfw:commentRss>http://www.karengeselle.com/2008/12/02/interest-rates-dec-02/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hope for Homeowners Act</title>
		<link>http://www.karengeselle.com/2008/10/01/hope-for-homeowners-act/</link>
		<comments>http://www.karengeselle.com/2008/10/01/hope-for-homeowners-act/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 18:09:58 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Economic News]]></category>
		<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Home Seller Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[This & That]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/hope-for-homeowners-act/</guid>
		<description><![CDATA[
			
				
			
		
The Hope for Homeowners Act goes into effect today.  This Act, passed by Congress and signed by the President in July, provides an opportunity for distressed homeowners to refinance their existing loan into an FHA-backed fixed rate loan.

The Act will help homeowners, who are eligible for the program, to cancel their current loan and [...]]]></description>
		<wfw:commentRss>http://www.karengeselle.com/2008/10/01/hope-for-homeowners-act/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Help for Troubled Homeowners</title>
		<link>http://www.karengeselle.com/2008/02/22/help-for-troubled-homeowners/</link>
		<comments>http://www.karengeselle.com/2008/02/22/help-for-troubled-homeowners/#comments</comments>
		<pubDate>Fri, 22 Feb 2008 18:12:53 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Boise Real Estate]]></category>
		<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[This & That]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/help-for-troubled-homeowners/</guid>
		<description><![CDATA[
			
				
			
		
You purchased a home a couple of years ago.  Now your subprime adjustable rate loan is about to re-adjust upward and you don&#8217;t know how you&#8217;ll make the payment,  Now there&#8217;s help.

Under an initiative announced in December &#8211; Hope Now &#8211; homeowners with subprime loans are finding help in resolving their mortgage woes. [...]]]></description>
		<wfw:commentRss>http://www.karengeselle.com/2008/02/22/help-for-troubled-homeowners/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Correcting Credit Report Errors</title>
		<link>http://www.karengeselle.com/2007/08/09/credit-report-correction-tips-2/</link>
		<comments>http://www.karengeselle.com/2007/08/09/credit-report-correction-tips-2/#comments</comments>
		<pubDate>Thu, 09 Aug 2007 15:44:01 +0000</pubDate>
		<dc:creator>snyce</dc:creator>
				<category><![CDATA[Home Buyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.karengeselle.com/credit-report-correction-tips-2/</guid>
		<description><![CDATA[
			
				
			
		
So, you&#8217;ve gone to AnnualCreditReport.com and printed out your credit report.  You find an error or maybe more than one.  What next?  Again, thanks to Kellie Allen of Countrywide Home Loans for some excellent advice on disputing the errors.

1. Ask for a Credit Dispute form from your mortgage broker.
2. Complete one form [...]]]></description>
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		<slash:comments>2</slash:comments>
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