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	<title>Steamboat Real Estate Home Search and Blog &#187; Financing</title>
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	<link>http://steamboathomesales.com/blog</link>
	<description>Buying and Selling Steamboat Springs Real Estate.  Search ALL Listings--all the homes, all the facts.</description>
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		<item>
		<title>Financing Steamboat Real Estate: FHA vs. conventional  mortgages</title>
		<link>http://steamboathomesales.com/blog/financing-steamboat-real-estate-fha-vs-conventional-mortgages/financing/2010/06/22/</link>
		<comments>http://steamboathomesales.com/blog/financing-steamboat-real-estate-fha-vs-conventional-mortgages/financing/2010/06/22/#comments</comments>
		<pubDate>Tue, 22 Jun 2010 21:05:42 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[steamboat real estate loans]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=1608</guid>
		<description><![CDATA[Getting financing to purchase Steamboat real estate is challenging, especially if you are looking to put as little money down as possible.  FHA-insured mortgages may seem attractive at first because they only require a 3.5% down payment, but are they a better value? Usually not. The general rule is if you have the extra down [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Buy a Steamboat Fixer-Upper with Little $ Down</title>
		<link>http://steamboathomesales.com/blog/how-to-buy-a-steamboat-fixer-upper-with-little-down/financing/2010/05/03/</link>
		<comments>http://steamboathomesales.com/blog/how-to-buy-a-steamboat-fixer-upper-with-little-down/financing/2010/05/03/#comments</comments>
		<pubDate>Mon, 03 May 2010 22:08:30 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[203(k) loans]]></category>
		<category><![CDATA[steamboat loans]]></category>
		<category><![CDATA[Steamboat real estate]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=1494</guid>
		<description><![CDATA[Some of the best values in Steamboat real estate right now are bank-owned Steamboat foreclosures or short sales.  Many of these properties would be great if you could buy them at a good price then fix them up.  If you are handy and want to buy a Steamboat Springs home that needs some work, but [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/how-to-buy-a-steamboat-fixer-upper-with-little-down/financing/2010/05/03/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae Loan Qualifying Gets Harder in January</title>
		<link>http://steamboathomesales.com/blog/fannie-mae-loan-qualifying-gets-harder-in-january/financing/2009/12/11/</link>
		<comments>http://steamboathomesales.com/blog/fannie-mae-loan-qualifying-gets-harder-in-january/financing/2009/12/11/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 17:29:00 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Fannie Mae loan guidelines]]></category>
		<category><![CDATA[steamboat real estate loans]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=1296</guid>
		<description><![CDATA[If you&#8217;re looking to finance Steamboat real estate, pay attention to these new rules coming out in January.   This post is guest-authored by Kathryn Pedersen and Holly Rogers, mortgage brokers at Yampa Valley Bank: Fannie Mae will be changing their debt ratio guidelines as of the first of January. Debt ratio is total debt [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/fannie-mae-loan-qualifying-gets-harder-in-january/financing/2009/12/11/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Homebuyer Tax Credit Could Expand Beyond First Time Buyers</title>
		<link>http://steamboathomesales.com/blog/homebuyer-tax-credit-could-expand-beyond-first-time-buyers/financing/2009/10/29/</link>
		<comments>http://steamboathomesales.com/blog/homebuyer-tax-credit-could-expand-beyond-first-time-buyers/financing/2009/10/29/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 00:55:46 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Steamboat real estate]]></category>
		<category><![CDATA[tax credit extension]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=1181</guid>
		<description><![CDATA[First time homebuyers who procrastinated about buying Steamboat Springs real estate may not lose out after all. And as an added bonus, current homeowners could be eligible for a new $6500 tax credit. Real estate investors will not benefit. This tax credit extension and new credit for current homeowners has not passed Congress yet, but [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/homebuyer-tax-credit-could-expand-beyond-first-time-buyers/financing/2009/10/29/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What to Do If You Don&#8217;t Have A Credit Score</title>
		<link>http://steamboathomesales.com/blog/what-to-do-if-you-dont-have-a-credit-score/financing/2009/06/23/</link>
		<comments>http://steamboathomesales.com/blog/what-to-do-if-you-dont-have-a-credit-score/financing/2009/06/23/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 22:22:21 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Buying Steamboat Real Estate]]></category>
		<category><![CDATA[First time homebuyer]]></category>
		<category><![CDATA[How To Build Credit]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=968</guid>
		<description><![CDATA[This post is written by Holly Rogers, a mortgage lender in Steamboat with over 20 years experience.  You can email Holly or call her at (970) 875-1636. It is a very exciting time to be a first time buyer in Steamboat Springs with the $8,000.00 tax credit, historically low interest rates and a large inventory [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/what-to-do-if-you-dont-have-a-credit-score/financing/2009/06/23/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Rates in Steamboat on the Rise</title>
		<link>http://steamboathomesales.com/blog/mortgage-rates-in-steamboat-on-the-rise/financing/2009/06/01/</link>
		<comments>http://steamboathomesales.com/blog/mortgage-rates-in-steamboat-on-the-rise/financing/2009/06/01/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 16:05:41 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Steamboat mortgage rates]]></category>
		<category><![CDATA[steamboat springs real estate financing]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=954</guid>
		<description><![CDATA[This post is guest authored by Ed Allbright, a certified mortgage planner and owner of Columbine Mortgage here in Steamboat Springs: WHAT happened to RATES this week? Buyers need to get off the fence! Glad you asked. In a short sentence too much debt chasing too few investors with real cash. Rates on 30 year [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/mortgage-rates-in-steamboat-on-the-rise/financing/2009/06/01/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Steamboat Condo Financing:  What You Need to Know</title>
		<link>http://steamboathomesales.com/blog/steamboat-condo-financing-what-you-need-to-know/financing/2009/03/22/</link>
		<comments>http://steamboathomesales.com/blog/steamboat-condo-financing-what-you-need-to-know/financing/2009/03/22/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 03:21:36 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[New Developments]]></category>
		<category><![CDATA[steamboat financing]]></category>
		<category><![CDATA[steamboat springs condo financing]]></category>
		<category><![CDATA[steamboat springs new developments]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=899</guid>
		<description><![CDATA[Steamboat Springs has several new condominium projects like Howelson Place, Alpenglow, the Olympian, Edgemont, Trailhead Lodge, One Steamboat Place and the Victoria coming on the market this year and next year. As of March 1, Fannie Mae has made it harder to get financing. Fannie Mae is no longer guaranteeing mortgages in condo buildings where [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/steamboat-condo-financing-what-you-need-to-know/financing/2009/03/22/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Scores Matter When Buying Steamboat Real Estate</title>
		<link>http://steamboathomesales.com/blog/credit-scores-matter-when-buying-steamboat-real-estate/financing/2009/02/18/</link>
		<comments>http://steamboathomesales.com/blog/credit-scores-matter-when-buying-steamboat-real-estate/financing/2009/02/18/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 03:17:16 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Credit scores]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=863</guid>
		<description><![CDATA[Whether you are planning on buying Steamboat real estate or looking for a new job, your credit score matters more than ever in this challenging economic environment. Everyone&#8211;high income earners to first time home buyers&#8211;needs higher scores now to qualify for loans. High net worth individuals may think that paying cash and keeping money in [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/credit-scores-matter-when-buying-steamboat-real-estate/financing/2009/02/18/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Financing Steamboat Real Estate</title>
		<link>http://steamboathomesales.com/blog/financing-steamboat-real-estate/financing/2008/10/13/</link>
		<comments>http://steamboathomesales.com/blog/financing-steamboat-real-estate/financing/2008/10/13/#comments</comments>
		<pubDate>Mon, 13 Oct 2008 16:59:53 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Financing Steamboat real estate]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=725</guid>
		<description><![CDATA[Just last summer, you could write an offer and leave out the financing contingency even if you expected to get a loan.  You sat across from a mortgage broker who said, &#8220;You need $10,000 a month in income to qualify for this loan.  What do you make?&#8221;  Even those who earned less could say, &#8220;$10,000&#8243; [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/financing-steamboat-real-estate/financing/2008/10/13/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Benefits of Interest Only Mortgages for Steamboat Real Estate</title>
		<link>http://steamboathomesales.com/blog/benefits-of-interest-only-mortgages-for-steamboat-real-estate/financing/2008/05/22/</link>
		<comments>http://steamboathomesales.com/blog/benefits-of-interest-only-mortgages-for-steamboat-real-estate/financing/2008/05/22/#comments</comments>
		<pubDate>Thu, 22 May 2008 14:17:37 +0000</pubDate>
		<dc:creator>Eliese Pivarnik</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Holly Rogers]]></category>
		<category><![CDATA[Steamboat Interest Only Loans]]></category>

		<guid isPermaLink="false">http://steamboathomesales.com/blog/?p=481</guid>
		<description><![CDATA[(This article is guest-authored by Holly Rogers of Yampa Valley Bank. For more information on financing Steamboat real estate, call Holly at (970) 879-8765.) You&#8217;ve found the Steamboat Springs house you want to buy, you&#8217;ve made an offer, and now you&#8217;ve got to decide how to pay for it. With all the options available today, [...]]]></description>
		<wfw:commentRss>http://steamboathomesales.com/blog/benefits-of-interest-only-mortgages-for-steamboat-real-estate/financing/2008/05/22/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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