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	<title>mortgages and loans</title>
	<link>http://www.fast-mortgage.net</link>
	<description>where your money goes...</description>
	<lastBuildDate>Sat, 21 Jun 2008 12:36:05 +0000</lastBuildDate>
	<docs>http://backend.userland.com/rss092</docs>
	<language>en</language>
	
	<item>
		<title>Beside mortgage payment, what other costs you need to consider</title>
		<description>Besides the mortgage repayment, you'll have to consider your monthly utility bills. If your utilities have been covered in the rent you're paying, this may be a completely brand new issue for you. Your real estate broker should help you get information from the seller on how much utilities normally ...</description>
		<link>http://www.fast-mortgage.net/2008/05/beside-mortgage-payment-what-other-costs-you-need-to-consider/</link>
			</item>
	<item>
		<title>When I find the home I want, how much should I offer</title>
		<description>Your real estate broker can help you, but there are several things you should always consider:

	 is the asking price close to the prices of similar homes in the area?
	 Is the home in good condition?
	 How long has the home been on the market?
	 How much mortgage will be ...</description>
		<link>http://www.fast-mortgage.net/2008/04/when-i-find-the-home-i-want-how-much-should-i-offer/</link>
			</item>
	<item>
		<title>What do you need to take with you when you apply for a mortgage</title>
		<description>If you have all necessary documents with you when you visit your lender, you'll save a good deal of time.
What you need:

	 Social security numbers for both your and your spouse, if both of you are applying for the loan;
	 Copies of your checking and savings account statements for the ...</description>
		<link>http://www.fast-mortgage.net/2008/03/what-do-you-need-to-take-with-you-when-you-apply-for-a-mortgage/</link>
			</item>
	<item>
		<title>Hidden points and fees</title>
		<description>Adding hidden points or fees is a way for lender to make more money off homeowners.  Every homebuyer should be well-educated as to all fees and costs to their mortgage. 
Homeowners may not be aware of the fees charged at closing. You should always seek mortgage lenders who do ...</description>
		<link>http://www.fast-mortgage.net/2008/02/hidden-points-and-fees/</link>
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