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	<title>How You Refinance Matters &#187; How to Refinance a Mortgage</title>
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	<description>Expert Mortgage Refinancing Advice You Can Trust</description>
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		<item>
		<title>Beware Free Credit Report Dot Scam</title>
		<link>http://www.refiadvisor.com/pblog/credit/beware-free-credit-report-dot-scam/</link>
		<comments>http://www.refiadvisor.com/pblog/credit/beware-free-credit-report-dot-scam/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 02:26:02 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Your Credit]]></category>
		<category><![CDATA[credit report scam]]></category>
		<category><![CDATA[Federal Trade Commisison]]></category>
		<category><![CDATA[freecreditreport.com]]></category>
		<category><![CDATA[FTC.gov]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Loan Tutorial]]></category>
		<category><![CDATA[mortgage secrets]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/?p=2496</guid>
		<description><![CDATA[It's important to check your credit reports before refinancing...just watch out for free credit report dot scams.<p><p><a href="http://www.refiadvisor.com/pblog/credit/beware-free-credit-report-dot-scam/">Beware Free Credit Report Dot Scam</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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<li><a href='http://www.refiadvisor.com/pblog/mortgage-news/mortgage-refinancing-with-a-credit-score-of-less-than-740/' rel='bookmark' title='Mortgage Refinancing With a Credit Score of Less Than 740'>Mortgage Refinancing With a Credit Score of Less Than 740</a></li>
<li><a href='http://www.refiadvisor.com/pblog/credit/refinance-your-mortgage-with-bad-credit/' rel='bookmark' title='Refinance Your Mortgage With Bad Credit'>Refinance Your Mortgage With Bad Credit</a></li>
<li><a href='http://www.refiadvisor.com/pblog/credit/mortgage-refinance-and-your-fico-credit-score/' rel='bookmark' title='Mortgage Refinance and Your FICO Credit Score'>Mortgage Refinance and Your FICO Credit Score</a></li>
<li><a href='http://www.refiadvisor.com/pblog/mortgage/refinance-your-home-with-less-than-perfect-credit/' rel='bookmark' title='Refinance Your Home With Less Than Perfect Credit'>Refinance Your Home With Less Than Perfect Credit</a></li>
</ol>]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Verbal Interest Rate Lock</title>
		<link>http://www.refiadvisor.com/pblog/mortgage-rate-lock/verbal-interest-rate-lock/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage-rate-lock/verbal-interest-rate-lock/#comments</comments>
		<pubDate>Fri, 20 Mar 2009 21:40:37 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage Rate Lock]]></category>
		<category><![CDATA[home mortgage refinancing]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Broker Pitfalls]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[yield spread premium]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/?p=1677</guid>
		<description><![CDATA[Does a verbal interest rate lock really lock your mortgage rate? Here are tips that could help you avoid an expensive mistake...<p><p><a href="http://www.refiadvisor.com/pblog/mortgage-rate-lock/verbal-interest-rate-lock/">Verbal Interest Rate Lock</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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<li><a href='http://www.refiadvisor.com/pblog/mortgage-rate-lock/can-you-break-your-mortgage-rate-lock/' rel='bookmark' title='Can You Break Your Mortgage Rate Lock?'>Can You Break Your Mortgage Rate Lock?</a></li>
<li><a href='http://www.refiadvisor.com/pblog/mortgage-advice/mortgage-rate-lock-2/' rel='bookmark' title='Mortgage Rate Lock Mistakes'>Mortgage Rate Lock Mistakes</a></li>
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</ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Refinance Fees You Need to Avoid</title>
		<link>http://www.refiadvisor.com/pblog/tutorial/refinance-fees-you-need-to-avoid/</link>
		<comments>http://www.refiadvisor.com/pblog/tutorial/refinance-fees-you-need-to-avoid/#comments</comments>
		<pubDate>Sun, 11 Jan 2009 20:49:33 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Tutorial]]></category>
		<category><![CDATA[Computerized Loan Origination Fee]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[mortgage broker tricks]]></category>
		<category><![CDATA[Mortgage Loan Tutorial]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage YSP]]></category>
		<category><![CDATA[refinance fees]]></category>
		<category><![CDATA[yield spread premium]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/?p=1399</guid>
		<description><![CDATA[If you are in the process of shopping for a home loan there are a number of Refinance Fees you need to avoid if you don’t want to overpay. Many of these fees are charged by the lender; however, there are several refinance fees that do nothing but line your mortgage broker’s pockets. Here are [...]<p><p><a href="http://www.refiadvisor.com/pblog/tutorial/refinance-fees-you-need-to-avoid/">Refinance Fees You Need to Avoid</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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<li><a href='http://www.refiadvisor.com/pblog/mortgage-help/avoid-junk-fees-refinancing/' rel='bookmark' title='How to Avoid Junk Fees When Refinancing'>How to Avoid Junk Fees When Refinancing</a></li>
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<li><a href='http://www.refiadvisor.com/pblog/mortgage/refinance-mortgage-loan-how-to-avoid-paying-high-lender-fees/' rel='bookmark' title='Refinance Mortgage Loan:  How to Avoid Paying High Lender Fees'>Refinance Mortgage Loan:  How to Avoid Paying High Lender Fees</a></li>
<li><a href='http://www.refiadvisor.com/pblog/mortgage-help/refinance-fees/' rel='bookmark' title='Refinance Fees'>Refinance Fees</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wholesale Mortgage Lenders</title>
		<link>http://www.refiadvisor.com/pblog/glossary/wholesale-mortgage-lenders-2/</link>
		<comments>http://www.refiadvisor.com/pblog/glossary/wholesale-mortgage-lenders-2/#comments</comments>
		<pubDate>Sun, 28 Dec 2008 20:56:03 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage Glossary]]></category>
		<category><![CDATA[Fixed Rate Mortgage]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Refinance Information]]></category>
		<category><![CDATA[Mortgage Refinancing]]></category>
		<category><![CDATA[wholesale mortgage rates]]></category>
		<category><![CDATA[yield spread premium]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/?p=1362</guid>
		<description><![CDATA[If you’re considering refinancing your home mortgage loan in 2009 and are looking for a wholesale lender there are several things you need to know in order to take advantage of wholesale rates. As a member of the public you cannot simply contact a wholesale lender expecting to refinance your home mortgage with a wholesale [...]<p><p><a href="http://www.refiadvisor.com/pblog/glossary/wholesale-mortgage-lenders-2/">Wholesale Mortgage Lenders</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Refinance a Mortgage</title>
		<link>http://www.refiadvisor.com/pblog/tutorial/how-to-refinance-a-mortgage-3/</link>
		<comments>http://www.refiadvisor.com/pblog/tutorial/how-to-refinance-a-mortgage-3/#comments</comments>
		<pubDate>Sun, 14 Sep 2008 23:14:39 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Tutorial]]></category>
		<category><![CDATA[home mortgage refinancing]]></category>
		<category><![CDATA[How to Refinance]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[mortgage brokers]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/?p=1055</guid>
		<description><![CDATA[If you are considering taking advantage of lower mortgage rates to get a lower mortgage payment and are looking for information on how to refinance a mortgage, here are several tips to help get you started. You should know that mortgage brokers are the key to getting a good deal when refinancing; however, you should [...]<p><p><a href="http://www.refiadvisor.com/pblog/tutorial/how-to-refinance-a-mortgage-3/">How to Refinance a Mortgage</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Hidden Cost Of Mortgage Points When Refinancing</title>
		<link>http://www.refiadvisor.com/pblog/points/the-hidden-cost-of-mortgage-points-when-refinancing/</link>
		<comments>http://www.refiadvisor.com/pblog/points/the-hidden-cost-of-mortgage-points-when-refinancing/#comments</comments>
		<pubDate>Wed, 16 Apr 2008 00:17:57 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Points]]></category>
		<category><![CDATA[discount points]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[origination points]]></category>
		<category><![CDATA[Refinancing Mortgage Rate]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/points/the-hidden-cost-of-mortgage-points-when-refinancing/</guid>
		<description><![CDATA[Points are one of the most misunderstood aspects of mortgage loans. In the simplest definition mortgage points are a percentage of your loan amount due at closing for one of two possible reasons. Here are the basics you need to know about mortgage points and how you can decide if paying them is worthwhile when [...]<p><p><a href="http://www.refiadvisor.com/pblog/points/the-hidden-cost-of-mortgage-points-when-refinancing/">The Hidden Cost Of Mortgage Points When Refinancing</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		</item>
		<item>
		<title>How Mortgage Rates Work</title>
		<link>http://www.refiadvisor.com/pblog/mortgage-tutorial/how-mortgage-rates-work/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage-tutorial/how-mortgage-rates-work/#comments</comments>
		<pubDate>Thu, 31 Jan 2008 21:57:57 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage Loan Tutorial]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[mortgage broker secrets]]></category>
		<category><![CDATA[Mortgage Refinancing Advice]]></category>
		<category><![CDATA[Mortgage YSP]]></category>
		<category><![CDATA[yield spread premium]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/mortgage-tutorial/how-mortgage-rates-work/</guid>
		<description><![CDATA[Are you considering taking out a new mortgage to refinance you existing loan and want the lowest possible mortgage rate? Did you know that wholesale mortgage are available to the average homeowner who knows how to get them and can save thousands of dollars? Here are several tips to show you how rates are quoted [...]<p><p><a href="http://www.refiadvisor.com/pblog/mortgage-tutorial/how-mortgage-rates-work/">How Mortgage Rates Work</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Refinancing Your Mortgage Loan During a Recession</title>
		<link>http://www.refiadvisor.com/pblog/mortgage/refinancing-your-mortgage-loan-during-a-recession/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage/refinancing-your-mortgage-loan-during-a-recession/#comments</comments>
		<pubDate>Tue, 22 Jan 2008 23:34:22 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[current mortgage rates]]></category>
		<category><![CDATA[Fed Rate Cut]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Interest Rate]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/mortgage/refinancing-your-mortgage-loan-during-a-recession/</guid>
		<description><![CDATA[Every time you turn on the television these days it seems like the news is bad. Today the story was “World Markets Plummet” like a newspaper headline from a comic book. While today’s news may be filled with stories of higher unemployment and a faltering economy, there is good news for homeowners who are looking [...]<p><p><a href="http://www.refiadvisor.com/pblog/mortgage/refinancing-your-mortgage-loan-during-a-recession/">Refinancing Your Mortgage Loan During a Recession</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		</item>
		<item>
		<title>Should You Refinance Your Mortgage?</title>
		<link>http://www.refiadvisor.com/pblog/mortgage-rate/should-you-refinance-your-mortgage/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage-rate/should-you-refinance-your-mortgage/#comments</comments>
		<pubDate>Fri, 11 Jan 2008 23:53:47 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage Rate]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing Advice]]></category>
		<category><![CDATA[refinancing garbage fees]]></category>
		<category><![CDATA[wholesale mortgage loan]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/mortgage-rate/should-you-refinance-your-mortgage/</guid>
		<description><![CDATA[The average homeowner in the United States refinances every four to five years for a variety of different reasons. Many people refinance to lower their mortgage rate; however, consolidating bills or borrowing cash are also good reasons for refinancing. Is mortgage refinancing right for you? Here are several tips to help you decide if mortgage [...]<p><p><a href="http://www.refiadvisor.com/pblog/mortgage-rate/should-you-refinance-your-mortgage/">Should You Refinance Your Mortgage?</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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		</item>
		<item>
		<title>Mortgage Refinancing – Five Common Mistakes</title>
		<link>http://www.refiadvisor.com/pblog/refinancing-advice/mortgage-refinancing-five-common-mistakes/</link>
		<comments>http://www.refiadvisor.com/pblog/refinancing-advice/mortgage-refinancing-five-common-mistakes/#comments</comments>
		<pubDate>Sat, 24 Nov 2007 23:25:42 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Refinancing Advice]]></category>
		<category><![CDATA[best mortgage lender]]></category>
		<category><![CDATA[Find The Best Mortgage Article]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Crisis]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/refinancing-advice/mortgage-refinancing-five-common-mistakes/</guid>
		<description><![CDATA[The mortgage industry is undergoing the worst crisis lenders have ever faced; if you’re considering refinancing your mortgage it’s more important than ever do your homework and choose an honest lender. Here five common mortgage refinancing mistakes you need to avoid in order avoiding paying too much for your next loan. Mistake Number One: Going [...]<p><p><a href="http://www.refiadvisor.com/pblog/refinancing-advice/mortgage-refinancing-five-common-mistakes/">Mortgage Refinancing – Five Common Mistakes</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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		<title>Mortgage Refinancing Advice</title>
		<link>http://www.refiadvisor.com/pblog/mortgage-tutorial/mortgage-refinancing-advice/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage-tutorial/mortgage-refinancing-advice/#comments</comments>
		<pubDate>Fri, 13 Jul 2007 19:24:25 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage Loan Tutorial]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Refinancing Advice]]></category>
		<category><![CDATA[refinance mortgages]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/mortgage-tutorial/mortgage-refinancing-advice/</guid>
		<description><![CDATA[If you are in the process of refinancing your home mortgage you might have discovered that everyone and their cousin Jim has advice for you on finding the best deal. While most of the individuals offering advice have good intentions, there is a lot of bad advice and misinformation available, especially online that could cost [...]<p><p><a href="http://www.refiadvisor.com/pblog/mortgage-tutorial/mortgage-refinancing-advice/">Mortgage Refinancing Advice</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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		<title>How to Refinance a Mortgage</title>
		<link>http://www.refiadvisor.com/pblog/mortgage/how-to-refinance-a-mortgage/</link>
		<comments>http://www.refiadvisor.com/pblog/mortgage/how-to-refinance-a-mortgage/#comments</comments>
		<pubDate>Mon, 02 Jul 2007 23:16:04 +0000</pubDate>
		<dc:creator>Robert Regehr</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[How to Refinance a Mortgage]]></category>
		<category><![CDATA[Mortgage Loan Tutorial]]></category>
		<category><![CDATA[yield spread premium]]></category>

		<guid isPermaLink="false">http://www.refiadvisor.com/pblog/mortgage/how-to-refinance-a-mortgage/</guid>
		<description><![CDATA[If you’re a homeowner “newbie” looking to refinance your mortgage for the first time or a seasoned real estate investor looking for money saving tips when refinancing you need to learn everything you can about Yield Spread Premium. According to the Secretary of Housing and Urban Development, homeowners in the United States will overpay nearly [...]<p><p><a href="http://www.refiadvisor.com/pblog/mortgage/how-to-refinance-a-mortgage/">How to Refinance a Mortgage</a> is a post from Robert Regehr's <a href="http://www.refiadvisor.com/pblog">Mortgage Refinancing</a> Blog.</p></p>

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</ol>]]></description>
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