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	<title>Lance Sonka&#187; Mortgage</title>
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	<description>New Home Sales Manager</description>
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		<title>30-year Fixed Rates Continue Month-Long Decline</title>
		<link>http://lancesonka.com/2009/30-year-fixed-rates-continue-month-long-decline/</link>
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		<pubDate>Tue, 21 Jul 2009 02:38:42 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
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		<description><![CDATA[The weekly average rate borrowers were quoted on Zillow Mortgage Marketplace for 30-year fixed mortgages decreased last week to 5.26 percent, down from 5.40 percent the week prior, according to the Zillow Mortgage Rate Monitor, compiled by leading real estate Web site Zillow.com . Meanwhile, rates for 15-year fixed mortgages fell to 4.65 percent from [...]]]></description>
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		<title>How to Save Money in the New World</title>
		<link>http://lancesonka.com/2009/save-money-in-a-new-world/</link>
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		<pubDate>Fri, 06 Mar 2009 02:38:42 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
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		<description><![CDATA[What a difference nine months make. In the not-long-ago credit-card binge days, one of the “in” things was to own a TV the size of a bus. Today, it’s to have six months of living expenses saved in case you get laid off. Until recently, buying was the social norm; ”having stuff, having name brand [...]]]></description>
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		<title>It’s Still Possible to Get a Home Loan</title>
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		<pubDate>Wed, 04 Mar 2009 02:38:42 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
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		<description><![CDATA[The days of doling out home loans to just anyone are over. With the nation facing a deepening financial crisis, mortgage banks have tightened their credit standards. Here’s how to get that new home loan: At Fresno-based Murphy Bank, Vice President Richard Laxton says the bank is looking for people with a credit score of 700 [...]]]></description>
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		<title>Phishing Lures Hit Home Mortgages</title>
		<link>http://lancesonka.com/2009/phishing-lures-hit-home-mortgages/</link>
		<comments>http://lancesonka.com/2009/phishing-lures-hit-home-mortgages/#comments</comments>
		<pubDate>Mon, 02 Mar 2009 02:38:43 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
				<category><![CDATA[Finance]]></category>
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		<description><![CDATA[I received an e-mail on one of my unadvertised accounts from my mortgage lender, announcing that it had been trying to get in touch with me and asking me to respond with all sorts of personal information. I was, of course, suspicious, since my lender has my address and phone number, and has been informed [...]]]></description>
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		<title>How do you clear up bad credit?</title>
		<link>http://lancesonka.com/2008/how-do-you-clear-up-bad-credit/</link>
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		<pubDate>Sun, 21 Dec 2008 02:38:43 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Mortgage]]></category>

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		<description><![CDATA[It is not easy but certainly doable with both commitment and time. By law, any unfavorable information in your credit file can stay there from 7 to 10 years. Today, however, a creditor must remove credit blemishes in a timely fashion if you challenge them and they turn out to be false. The first step [...]]]></description>
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		<title>How does a home builder&#8217;s lender define bad credit?</title>
		<link>http://lancesonka.com/2007/how-home-builder-lenders-define-bad-credit/</link>
		<comments>http://lancesonka.com/2007/how-home-builder-lenders-define-bad-credit/#comments</comments>
		<pubDate>Sun, 21 Jan 2007 02:38:43 +0000</pubDate>
		<dc:creator>Lance Sonka</dc:creator>
				<category><![CDATA[Finance]]></category>
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		<category><![CDATA[loan]]></category>
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		<description><![CDATA[Bad credit can best be defined as everything that appears on a credit report that is derogatory. When buying a new construction home, often the home builder will have an affiliated business relationship with a mortgage lender that additionally allows them to offer new home financing as a packaged service. Sometimes home buyer incentives are tied to the use of a [...]]]></description>
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