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	<title>Lori Frankfort, Broker Associate and Exclusive Buyer&#039;s Representative &#187; First Time Buyers</title>
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	<description>Los Angeles and surrounding Real Estate</description>
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		<title>Shopping For a Mortgage on Multi-Lender Web Sites</title>
		<link>http://www.californiaisbeautiful.com/2012/03/21/shopping-for-a-mortgage-on-multi-lender-web-sites/</link>
		<comments>http://www.californiaisbeautiful.com/2012/03/21/shopping-for-a-mortgage-on-multi-lender-web-sites/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 17:20:20 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[lending tree]]></category>
		<category><![CDATA[mortgage shopping]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=947</guid>
		<description><![CDATA[March 18, 2012 Article Provided Courtesy of The Mortgage Professor  From the beginning, the basic promise of multi-lender internet-based sites was that they would provide one-stop shopping. With my colleague Jack Pritchard, I recently examined 13 major mortgage web sites to see how well this promise has been fulfilled. We found that many sites are ...]]></description>
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		<title>Why Housing Demand Defies Real Estate Fundamentals</title>
		<link>http://www.californiaisbeautiful.com/2012/02/18/why-housing-demand-defies-real-estate-fundamentals/</link>
		<comments>http://www.californiaisbeautiful.com/2012/02/18/why-housing-demand-defies-real-estate-fundamentals/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 21:13:21 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[buyer's market]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[housing supply]]></category>
		<category><![CDATA[mortgage rates low]]></category>
		<category><![CDATA[real estate bubble]]></category>
		<category><![CDATA[rental rates rising]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=732</guid>
		<description><![CDATA[By Diana Olick, CNBC.com Anyone with any cash in hand should be buying a house right now. By Justin Sullivan, Getty Images That&#8217;s what any real estate agent will tell you, obviously, but that&#8217;s also what many investors now believe. Unfortunately, the potential home-buying public … isn&#8217;t buying it. January&#8217;s consumer confidence report found a ...]]></description>
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		<title>What&#8217;s Hot and Not in Home Styles This Year</title>
		<link>http://www.californiaisbeautiful.com/2012/02/18/whats-hot-and-not-in-home-styles-this-year/</link>
		<comments>http://www.californiaisbeautiful.com/2012/02/18/whats-hot-and-not-in-home-styles-this-year/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 20:51:18 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[House Styles]]></category>
		<category><![CDATA[20th Century Modern]]></category>
		<category><![CDATA[american institute of architects]]></category>
		<category><![CDATA[Arts and Crafts house]]></category>
		<category><![CDATA[bungalow house]]></category>
		<category><![CDATA[colonial house]]></category>
		<category><![CDATA[colonial style home]]></category>
		<category><![CDATA[Craftsman house]]></category>
		<category><![CDATA[gothic]]></category>
		<category><![CDATA[hot home styles for 2012]]></category>
		<category><![CDATA[italianate]]></category>
		<category><![CDATA[mcmansion]]></category>
		<category><![CDATA[mediterranean house]]></category>
		<category><![CDATA[modern homes]]></category>
		<category><![CDATA[national association of home builders]]></category>
		<category><![CDATA[neo-mediterranean]]></category>
		<category><![CDATA[New American Home 2012]]></category>
		<category><![CDATA[queen Anne]]></category>
		<category><![CDATA[ranch house]]></category>
		<category><![CDATA[southern european style]]></category>
		<category><![CDATA[split-level]]></category>
		<category><![CDATA[Tudor roof]]></category>
		<category><![CDATA[turrets]]></category>
		<category><![CDATA[victorian home]]></category>
		<category><![CDATA[victorian house]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=728</guid>
		<description><![CDATA[By Marcelle Sussman Fischler, Yahoo! Real Estate February 6, 2012  Modern gets the thumbs up. “A lot of people want a spa feeling and a spa look that’s very analogous to modern,” said Luis Juaregui, a Texas-based American Institute of Architects accredited architect. The 4,200 square foot, $3.5 million gray stone and glass home has free ...]]></description>
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		<title>Housing Crisis to End in 2012 as Banks Loosen Credit Standards</title>
		<link>http://www.californiaisbeautiful.com/2012/01/30/housing-crisis-to-end-in-2012-as-banks-loosen-credit-standards/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/30/housing-crisis-to-end-in-2012-as-banks-loosen-credit-standards/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:44:26 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[credit requirements]]></category>
		<category><![CDATA[credit score to get a mortgage]]></category>
		<category><![CDATA[lending amounts]]></category>
		<category><![CDATA[loan-to-value ratios]]></category>
		<category><![CDATA[loosening credit]]></category>
		<category><![CDATA[LTV]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=713</guid>
		<description><![CDATA[Article Courtesy of dsnews.com January 24, 2012  Capital Economics expects the housing crisis to end this year, according to a report released Tuesday. One of the reasons: loosening credit. The analytics firm notes the average credit score required to attain a mortgage loan is 700. While this is higher than scores required prior to the ...]]></description>
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		<title>Finding a Mortgage on the Professor&#8217;s Certified Lender Network</title>
		<link>http://www.californiaisbeautiful.com/2012/01/23/finding-a-mortgage-on-the-professors-certified-lender-network/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/23/finding-a-mortgage-on-the-professors-certified-lender-network/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 19:30:39 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[certified lender network]]></category>
		<category><![CDATA[finding a mortgage]]></category>
		<category><![CDATA[lender certification]]></category>
		<category><![CDATA[mortgage borrowers]]></category>
		<category><![CDATA[underwriting rules]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=688</guid>
		<description><![CDATA[Finding a Mortgage on the Professor&#8217;s Certified Lender Network (CLN) January 20, 2012 Courtesy of The Mortgage Professor Since 1998, the professor has counseled over 25,000 mortgage borrowers on how to keep from getting ripped off and how to make critical decisions. Recently, he decided that his counsel could be substantially improved, and more borrowers ...]]></description>
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		<title>Frequently Asked Questions About the Down Payment</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/frequently-asked-questions-about-the-down-payment/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/frequently-asked-questions-about-the-down-payment/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:50:23 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyer's Toolkit]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraised value]]></category>
		<category><![CDATA[cash gifts]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[gift of equity]]></category>
		<category><![CDATA[lender rebates]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[negative points]]></category>
		<category><![CDATA[seasoned funds]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[undocumented cash gifts]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=668</guid>
		<description><![CDATA[Article Courtesy of mtgprofessor.com December 5, 2011Q: What is the down payment? A: The down payment is the property value less the loan amount. It is not the same as the borrower&#8217;s cash outlay if some of that outlay is used for settlement costs. On a newly constructed home, the land value can be part ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Fine Print for &#8216;Gifts&#8217; to Home Buyers</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/fine-print-for-gifts-to-home-buyers/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/fine-print-for-gifts-to-home-buyers/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:34:10 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[documenting gifts]]></category>
		<category><![CDATA[down payment gift]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[first-time buyers]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[gift documentation]]></category>
		<category><![CDATA[gift letter]]></category>
		<category><![CDATA[gift money]]></category>
		<category><![CDATA[loan-to-value]]></category>
		<category><![CDATA[seasoned down payment]]></category>
		<category><![CDATA[seasoned gift money]]></category>
		<category><![CDATA[seasoned money]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=663</guid>
		<description><![CDATA[Article Courtesy of wsj.com By Amy Hoak  Coming up with a down payment is often a first-time home buyer&#8217;s biggest challenge. That&#8217;s why many of them get a little help from relatives or friends.  In 2010, 27% of first-time buyers received a gift from a friend or relative to use toward their down payment. That was ...]]></description>
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