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	<title>Mortgage Blog &#187; Refinance Options</title>
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	<link>http://blog.freehomerefi.com</link>
	<description>Mortgage and Home Refinance Information</description>
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		<item>
		<title>Get the Lowest Rate and a Free TV</title>
		<link>http://blog.freehomerefi.com/refinance-options/get-the-lowest-rate-and-a-free-tv/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/get-the-lowest-rate-and-a-free-tv/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 18:48:21 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=277</guid>
		<description><![CDATA[Where can we go from here?  With rates on a home refinance still sitting right below 5% and the 30 year US treasury bond hovering at 4.5%(this is the return you would get) seems like the party may be coming to an end.  In today’s world would you rather borrow money from the [...]]]></description>
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		<slash:comments>21</slash:comments>
		</item>
		<item>
		<title>An update on Mortgage Interest Rates</title>
		<link>http://blog.freehomerefi.com/refinance-options/refinance-rates/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/refinance-rates/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 23:18:54 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=154</guid>
		<description><![CDATA[In recent years home refinance rates have pretty much remained in the 5-6% range and have held steady in that range due to all of the paper trading that was accruing between banks.  With the fallout of the banking industry and the private sectors exit from the mortgage securities market the Federal Reserve was forced [...]]]></description>
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		<slash:comments>12</slash:comments>
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		<title>Rates Remain Low For Now</title>
		<link>http://blog.freehomerefi.com/refinance-options/rates-remain-low-for-now/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/rates-remain-low-for-now/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 19:15:11 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=150</guid>
		<description><![CDATA[Interest rates have remained in a small trading window over the last 6+ months.  These historically low home refinance rates have helped many homeowners lower their monthly mortgage payments.  Most homeowners that are able to refinance will be looking at a rate between 4.5 and 5 percent.
So the question is how long will homeowners be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Markets are Unstable and you Need to Act</title>
		<link>http://blog.freehomerefi.com/refinance-options/markets-are-unstable-and-you-need-to-act/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/markets-are-unstable-and-you-need-to-act/#comments</comments>
		<pubDate>Fri, 17 Oct 2008 19:29:21 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/home-refi/markets-are-unstable-and-you-need-to-act/</guid>
		<description><![CDATA[The drastic swings of the stock market and the current state of the economy may soon have a serious effect on your home mortgage.  The credit markets are tightening and it is already becoming more difficult to obtain a mortgage for a purchase or a home refinance.  So how does the stock market effect your [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Interest Rate Watch Anyone?</title>
		<link>http://blog.freehomerefi.com/refinance-options/rate-watch-anyone/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/rate-watch-anyone/#comments</comments>
		<pubDate>Tue, 02 Sep 2008 22:18:04 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=35</guid>
		<description><![CDATA[So you have found the lender that you want to work with on your home refinance.  You understand their fees and you like the loan officer that you are speaking with.  There is just one problem.  Rates aren&#8217;t low enough yet.  Your current rate is lower than current rates, or the closing costs involved negate [...]]]></description>
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		<slash:comments>20</slash:comments>
		</item>
		<item>
		<title>The Mortgage Relief Bill</title>
		<link>http://blog.freehomerefi.com/refinance-options/the-mortgage-relief-bill/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/the-mortgage-relief-bill/#comments</comments>
		<pubDate>Tue, 02 Sep 2008 19:28:53 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=34</guid>
		<description><![CDATA[Congress and President Bush recently signed the Mortgage Relief Bill.  What does the bill do?  How can it help struggling homeowners?  Will it help you with a home refinance?There is quite a debate going on regarding this bill.  Many feel that this is &#8220;bailing out&#8221; homeowners that signed risky loans.  Some say that this bill [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Locking a Low Interest Rate</title>
		<link>http://blog.freehomerefi.com/refinance-options/locking-a-low-interest-rate/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/locking-a-low-interest-rate/#comments</comments>
		<pubDate>Thu, 28 Aug 2008 23:50:39 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=33</guid>
		<description><![CDATA[Many consumers that have refinanced or purchased a new home may have never even realized that their interest rate was locked in at some point during the home refinance process.  This is a fairly complicated idea, but nonetheless important.  Locking an interest rate essentially means that the interest rate on your home loan is locked [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Secure Program</title>
		<link>http://blog.freehomerefi.com/refinance-options/fha-secure-program/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/fha-secure-program/#comments</comments>
		<pubDate>Fri, 08 Aug 2008 21:32:53 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=31</guid>
		<description><![CDATA[

How Can the FHA Secure Program Help Me?
There are many myths about FHA secure home refinance loans.  It is time to clear up the ambiguity and let the homeowners of America know exactly what can and cannot be done with an FHA secure mortgage.  There is a lot to go over, but if [...]]]></description>
		<wfw:commentRss>http://blog.freehomerefi.com/refinance-options/fha-secure-program/feed/</wfw:commentRss>
		<slash:comments>42</slash:comments>
		</item>
		<item>
		<title>Details of Adjustable Rate Mortgages</title>
		<link>http://blog.freehomerefi.com/refinance-options/details-of-adjustable-rate-mortgages/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/details-of-adjustable-rate-mortgages/#comments</comments>
		<pubDate>Mon, 21 Jul 2008 22:03:59 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=26</guid>
		<description><![CDATA[Details on ARMs
ADJUSTABLE RATE MORTGAGES (ARMs)

Fixed Period ARMs &#8211; 3/1, 5/1, 7/1, and 10/1 ARM
These hybrid ARM loans have an initial fixed period that will be determined by the program you select for you home refinance. The first number represents the number of years the rates are fixed. The second number indicates the adjustment interval [...]]]></description>
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		<slash:comments>23</slash:comments>
		</item>
		<item>
		<title>The Interest Rate on your Refi is not Everything!</title>
		<link>http://blog.freehomerefi.com/refinance-options/the-interest-rate-on-your-refi-is-not-everything/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/the-interest-rate-on-your-refi-is-not-everything/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 21:14:24 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=17</guid>
		<description><![CDATA[Payment means more than Rate
When most people consider a home refinance for their properties, they primarily look at the current interest rates and compare them to the current interest rate they’re paying. That is one way to determine whether refinancing is worthwhile but it certainly isn’t always the best method.  I don’t know about [...]]]></description>
		<wfw:commentRss>http://blog.freehomerefi.com/refinance-options/the-interest-rate-on-your-refi-is-not-everything/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>To Cash out or not to Cash out is the Question &#8230;</title>
		<link>http://blog.freehomerefi.com/refinance-options/to-cash-out-or-not-to-cash-out-is-the-question/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/to-cash-out-or-not-to-cash-out-is-the-question/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 21:05:17 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=16</guid>
		<description><![CDATA[Cash Out Refinance
A cash out home refinance mortgage can be a great tool for homeowners.  There is no limit as to what you can do with cash that you receive from a refinance mortgage.  The idea is simple.You can refinance your home for more than what you currently owe.The difference is given to [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>No Cost Refi vs. Standard Refi</title>
		<link>http://blog.freehomerefi.com/refinance-options/no-cost-refi-vs-standard-refi/</link>
		<comments>http://blog.freehomerefi.com/refinance-options/no-cost-refi-vs-standard-refi/#comments</comments>
		<pubDate>Thu, 15 Nov 2007 19:07:58 +0000</pubDate>
		<dc:creator>Home Refinance</dc:creator>
				<category><![CDATA[Refinance Options]]></category>

		<guid isPermaLink="false">http://blog.freehomerefi.com/?p=3</guid>
		<description><![CDATA[No Cost Refinance
Borrowers have many options when they choose to look into a home refinance. They have many different lenders to choose from and many different types of loans to choose from as well. No two loans are alike and mortgage loans have to be tailored to meet the borrowers specific needs. The major benefit [...]]]></description>
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		<slash:comments>1</slash:comments>
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