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		<title>A wild week in real estate- how will I survive? Watch and Learn!</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/24/a-wild-week-in-real-estate-how-will-i-survive-watch-and-learn/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/24/a-wild-week-in-real-estate-how-will-i-survive-watch-and-learn/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 04:58:37 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
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		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[comment]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
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		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[home act]]></category>
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		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
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		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
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		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=230</guid>
		<description><![CDATA[A wild week is finally over, how do we survive? We work together! Also, after the dust has settled. What are we really looking at in terms of the new FHA requirements. Links &#38; Docs ____________________________________________________________________________________________________________________ Save Borrower Choice R1366- Reg. Z- Comment Now Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=230&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>A wild week is finally over, how do we survive? We work together! Also, after the dust has settled. What are we really looking at in terms of the new FHA requirements.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/24/a-wild-week-in-real-estate-how-will-i-survive-watch-and-learn/"><img src="http://img.youtube.com/vi/H6qfm5Zee84/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.federalreserve.gov/generalinfo/foia/ElectronicCommentForm.cfm?doc_id=R-1366&amp;doc_ver=1&amp;name=Regulation%20Z%20-%20Truth%20in%20Lending%20-%20Closed-end%20Mortgages&amp;date=20090723a" target="_blank">Save Borrower Choice</a> R1366- Reg. Z- Comment Now</p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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			<wfw:commentRss>http://calljeffmiller.wordpress.com/2009/09/24/a-wild-week-in-real-estate-how-will-i-survive-watch-and-learn/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
	
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			<media:title type="html">Mortgage no white egde</media:title>
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	</item>
		<item>
		<title>FHA Credit Score Changes Emerging- Death List from Washington.</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/24/fha-credit-score-changes-emerging-death-list-from-washington/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/24/fha-credit-score-changes-emerging-death-list-from-washington/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 16:00:22 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=227</guid>
		<description><![CDATA[New score requirements are starting to surface from lenders in the wake of last Friday&#8217;s FHA announcement- I share what those new score requirements are and some other communist politics that are going on. Links &#38; Docs ____________________________________________________________________________________________________________________ Save Borrower Choice R1366- Reg. Z- Comment Now Realtor Action Center Short Sale and Foreclosure Resource Certification [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=227&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>New score requirements are starting to surface from lenders in the wake of last Friday&#8217;s FHA announcement- I share what those new score requirements are and some other communist politics that are going on.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/24/fha-credit-score-changes-emerging-death-list-from-washington/"><img src="http://img.youtube.com/vi/GBnBAUQzFt8/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.federalreserve.gov/generalinfo/foia/ElectronicCommentForm.cfm?doc_id=R-1366&amp;doc_ver=1&amp;name=Regulation%20Z%20-%20Truth%20in%20Lending%20-%20Closed-end%20Mortgages&amp;date=20090723a" target="_blank">Save Borrower Choice</a> R1366- Reg. Z- Comment Now</p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<slash:comments>6</slash:comments>
	
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		<title>How To Survive- Create a Business Plan- Learn How!</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/22/how-to-survive-create-a-business-plan-learn-how/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/22/how-to-survive-create-a-business-plan-learn-how/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 05:12:03 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[business plan]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=225</guid>
		<description><![CDATA[In the midst of all the changes that are being thrust upon us. How do we survive? We plan and stick to the plan. Links &#38; Docs ____________________________________________________________________________________________________________________ Save Borrower Choice R1366- Reg. Z- Comment Now Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=225&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>In the midst of all the changes that are being thrust upon us. How do we survive? We plan and stick to the plan.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/22/how-to-survive-create-a-business-plan-learn-how/"><img src="http://img.youtube.com/vi/siG5RxqSIdo/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.federalreserve.gov/generalinfo/foia/ElectronicCommentForm.cfm?doc_id=R-1366&amp;doc_ver=1&amp;name=Regulation%20Z%20-%20Truth%20in%20Lending%20-%20Closed-end%20Mortgages&amp;date=20090723a" target="_blank">Save Borrower Choice</a> R1366- Reg. Z- Comment Now</p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<title>Even More FHA changes coming- get ready- Time is Running Out on current guidelines.</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/22/even-more-fha-changes-coming-get-ready-time-is-running-out-on-current-guidelines/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/22/even-more-fha-changes-coming-get-ready-time-is-running-out-on-current-guidelines/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 15:32:52 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=222</guid>
		<description><![CDATA[With the new changes to FHA financing&#8230; there is a huge push now to take advantage of the current credit score and Loan to value ratios. These will be changing soon as well. Links &#38; Docs ____________________________________________________________________________________________________________________ Save Borrower Choice R1366- Reg. Z- Comment Now Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=222&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>With the new changes to FHA financing&#8230; there is a huge push now to take advantage of the current credit score and Loan to value ratios. These will be changing soon as well.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/22/even-more-fha-changes-coming-get-ready-time-is-running-out-on-current-guidelines/"><img src="http://img.youtube.com/vi/lYB5ElxK70s/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.federalreserve.gov/generalinfo/foia/ElectronicCommentForm.cfm?doc_id=R-1366&amp;doc_ver=1&amp;name=Regulation%20Z%20-%20Truth%20in%20Lending%20-%20Closed-end%20Mortgages&amp;date=20090723a" target="_blank">Save Borrower Choice</a> R1366- Reg. Z- Comment Now</p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<title>Bomb Dropped by FHA on Friday- Huge changes looming Jan. 1 2010</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/20/bomb-dropped-by-fha-on-friday-huge-changes-looming-jan-1-2010/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/20/bomb-dropped-by-fha-on-friday-huge-changes-looming-jan-1-2010/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 05:21:59 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=218</guid>
		<description><![CDATA[I will explain the changes that were announced on Friday by FHA that will send a shock wave through our already fragile market. Get ready more bad news! Links &#38; Docs ____________________________________________________________________________________________________________________ Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=218&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>I will explain the changes that were announced on Friday by FHA that will send a shock wave through our already fragile market. Get ready more bad news!</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/20/bomb-dropped-by-fha-on-friday-huge-changes-looming-jan-1-2010/"><img src="http://img.youtube.com/vi/kNTa7MaFwHQ/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<title>$15,000 Buyer Credit- Is it real? Perhaps Watch and Learn!</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/17/15000-buyer-credit-is-it-real-perhaps-watch-and-learn/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/17/15000-buyer-credit-is-it-real-perhaps-watch-and-learn/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 05:37:07 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=213</guid>
		<description><![CDATA[Today I talk about the potential for an expanded buyer credit and why First Time Buyers  should be in your sights! Links &#38; Docs ____________________________________________________________________________________________________________________ Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair list OR-HR2801 Ron Wyden: OR-HR 2801 Jeff [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=213&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Today I talk about the potential for an expanded buyer credit and why First Time Buyers  should be in your sights!</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/17/15000-buyer-credit-is-it-real-perhaps-watch-and-learn/"><img src="http://img.youtube.com/vi/uAS3d3OfDXk/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<title>Is it really that hard to get a loan? Myths dispelled here!- Sales tips Use them!</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/17/is-it-really-that-hard-to-get-a-loan-myths-dispelled-here-sales-tips-use-them/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/17/is-it-really-that-hard-to-get-a-loan-myths-dispelled-here-sales-tips-use-them/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 15:36:51 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=210</guid>
		<description><![CDATA[Today I want to re assure everyone getting a loan is not that hard. Also, sales tips use them! Links &#38; Docs ____________________________________________________________________________________________________________________ Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair list OR-HR2801 Ron Wyden: OR-HR 2801 Jeff Merkley: WA-HR [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=210&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Today I want to re assure everyone getting a loan is not that hard. Also, sales tips use them!</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/17/is-it-really-that-hard-to-get-a-loan-myths-dispelled-here-sales-tips-use-them/"><img src="http://img.youtube.com/vi/dUMFrlQ0xsk/2.jpg" alt="" /></a></span>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<title>A Call To Action! Now is the Time!</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/16/a-call-to-action-now-is-the-time/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/16/a-call-to-action-now-is-the-time/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 15:31:37 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
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		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
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		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
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		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=205</guid>
		<description><![CDATA[It is call to action time&#8230; watch and get involved and save your business! Links &#38; Docs ____________________________________________________________________________________________________________________ Realtor Action Center Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair list OR-HR2801 Ron Wyden: OR-HR 2801 Jeff Merkley: WA-HR 2801 Jim McDermott WA-HR 2801 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=205&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="font-size:1.5em;">It is call to action time&#8230; watch and get involved and save your business!</p>
<p style="font-size:1.5em;"><span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/16/a-call-to-action-now-is-the-time/"><img src="http://img.youtube.com/vi/E0GFNMyHaW0/2.jpg" alt="" /></a></span></p>
<p style="font-size:1.5em;">
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://takeaction.realtoractioncenter.com/campaign/hbtc?qp_source=actionsplash" target="_blank">Realtor Action Center</a></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2 style="font-size:1.5em;"><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<slash:comments>2</slash:comments>
	
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		<title>FHA Condo Revision coming Nov. 2nd- My bank frustration rant and conspiracy uncovered.</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/15/fha-condo-revision-coming-nov-2nd-my-bank-frustration-rant-and-conspiracy-uncovered/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/15/fha-condo-revision-coming-nov-2nd-my-bank-frustration-rant-and-conspiracy-uncovered/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 15:58:47 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
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		<category><![CDATA[HR 2801]]></category>
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		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
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		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=201</guid>
		<description><![CDATA[Condo revision coming Nov. 2nd to HUD guidelines- My bank frustration rant, and conspiracy uncovered. Links &#38; Docs ____________________________________________________________________________________________________________________ Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair list OR-HR2801 Ron Wyden: OR-HR 2801 Jeff Merkley: WA-HR 2801 Jim McDermott WA-HR 2801 Brian Baird [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=201&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Condo revision coming Nov. 2nd to HUD guidelines- My bank frustration rant, and conspiracy uncovered.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/15/fha-condo-revision-coming-nov-2nd-my-bank-frustration-rant-and-conspiracy-uncovered/"><img src="http://img.youtube.com/vi/V3PGHS6iG_Q/2.jpg" alt="" /></a></span>
<h2><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
<p style="text-align:center;"><strong><img style="border:0 initial initial;" title="Mortgage no white egde" src="http://calljeffmiller.files.wordpress.com/2009/08/mortgage-no-white-egde.jpg?w=150&#038;h=44" alt="Mortgage no white egde" width="150" height="44" /></strong></p>
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		<slash:comments>2</slash:comments>
	
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		<title>Whats Better sales savvy or knowledge? &#8211; Rates coming down?</title>
		<link>http://calljeffmiller.wordpress.com/2009/09/13/whats-better-sales-savvy-or-knowledge-rates-coming-down/</link>
		<comments>http://calljeffmiller.wordpress.com/2009/09/13/whats-better-sales-savvy-or-knowledge-rates-coming-down/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 04:37:39 +0000</pubDate>
		<dc:creator>calljeffmiller</dc:creator>
				<category><![CDATA[Daily Mortgage Rant]]></category>
		<category><![CDATA[30 year fixed rate]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bank shut down]]></category>
		<category><![CDATA[be happy]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[collateralized debt obligations]]></category>
		<category><![CDATA[condo financing]]></category>
		<category><![CDATA[down load]]></category>
		<category><![CDATA[down payment grants]]></category>
		<category><![CDATA[Escalation clause]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203K]]></category>
		<category><![CDATA[fha form]]></category>
		<category><![CDATA[FHA. credit scores]]></category>
		<category><![CDATA[First American Title]]></category>
		<category><![CDATA[First Time Buyer]]></category>
		<category><![CDATA[first time buyer credit]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[home act]]></category>
		<category><![CDATA[HR 2801]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[Jeff Miller]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[manufactured homes]]></category>
		<category><![CDATA[meltdown]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[out of business]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[portland housing center]]></category>
		<category><![CDATA[rant]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Real Etate Market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[required repairs]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[Town & Country Home Mortgage]]></category>
		<category><![CDATA[USDA]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[wholesale lenders]]></category>

		<guid isPermaLink="false">http://calljeffmiller.wordpress.com/?p=195</guid>
		<description><![CDATA[I wanted to give some tips on how to be a well rounded professional in this market. Also, get ready rates are going to get low&#8230;. Links &#38; Docs ____________________________________________________________________________________________________________________ Short Sale and Foreclosure Resource Certification HVCC Petition: First Time Buyer Tax Credit Form 5405: Amendatory Clause HUD/FHA Required Repair list OR-HR2801 Ron Wyden: OR-HR [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=calljeffmiller.wordpress.com&amp;blog=8871132&amp;post=195&amp;subd=calljeffmiller&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>I wanted to give some tips on how to be a well rounded professional in this market. Also, get ready rates are going to get low&#8230;.</p>
<span style="text-align:center; display: block;"><a href="http://calljeffmiller.wordpress.com/2009/09/13/whats-better-sales-savvy-or-knowledge-rates-coming-down/"><img src="http://img.youtube.com/vi/AoxnRSHeUnI/2.jpg" alt="" /></a></span>
<h2><span style="color:#ff0000;"><strong>Links &amp; Docs</strong></span></h2>
<p><span style="color:#ff0000;"><strong>____________________________________________________________________________________________________________________<br />
</strong></span></p>
<p><a href="http://www.realtorsfr.org/courses.html" target="_blank">Short Sale and Foreclosure Resource Certification</a></p>
<p><strong><a title="HVCC Petition" href="http://www.hvccpetition.com/" target="_blank">HVCC Petition:</a></strong></p>
<p><strong><a title="Tax Form" href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">First Time Buyer Tax Credit Form 5405:</a></strong></p>
<p><strong><a href="http://www.calljeffmiller.com/Amendatory%20Clause.pdf" target="_blank">Amendatory Clause</a></strong></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list</a></strong></p>
<p><a href="http://wyden.senate.gov/contact/" target="_blank">OR-HR2801 Ron Wyden:</a></p>
<p><a href="http://merkley.senate.gov/contact/" target="_blank">OR-HR 2801 Jeff Merkley:</a></p>
<p><a href="http://www.house.gov/mcdermott/contact.shtml" target="_blank">WA-HR 2801 Jim McDermott</a></p>
<p><a href="https://forms.house.gov/baird/webforms/issue_subscribe.htm" target="_blank">WA-HR 2801 Brian Baird</a></p>
<p><strong><a href="http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-22.cfm">HUD/FHA Required Repair list<br />
</a></strong></p>
<h2><span style="color:#ff0000;"><strong>Referrals:</strong></span></h2>
<p><strong><span style="color:#ff0000;">____________________________________________________________________________________________________________________</span><br />
</strong></p>
<p><a href="http://www.powerpics4u.com" target="_blank">Real Estate Photography Service</a></p>
<p><a href="http://www.priorityappraising.com" target="_blank">Priority Appraising</a></p>
<p><a href="http://www.fnto.com/" target="_blank">DM Barnes Home Inspections</a></p>
<p><strong><a href="http://www.carmenwagner.com" target="_blank">Wagner &amp; Associates Insurance &amp; Financial Services</a><br />
</strong></p>
<p><a href="http://www.aoitconsulting.com" target="_blank">AOIT Consulting</a></p>
<p><strong><a href="http://www.berithomes.com" target="_blank">Berit Homes Inc.</a></strong></p>
<p><strong><a href="http://www.facebook.com/rmeucci" target="_blank">Rochelle Meucci</a></strong></p>
<p><strong><span style="color:#c0c0c0;">Clean That Listing-    email:   rose_re@comcast.net</span><br />
</strong></p>
<p><strong>For questions about specific topics or loan scenarios email me at: jeff@calljeffmiller.com</strong></p>
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