<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Rick Chapman Realtor</title>
	<atom:link href="http://www.rchapmanrealtor.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.rchapmanrealtor.com</link>
	<description>Real Estate Professional</description>
	<lastBuildDate>Mon, 20 Feb 2012 17:09:24 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
		<item>
		<title>Mortgage Monday: Rates Are Starting to Rise</title>
		<link>http://www.rchapmanrealtor.com/2012/02/20/mortgage-monday-rates-are-starting-to-rise/</link>
		<comments>http://www.rchapmanrealtor.com/2012/02/20/mortgage-monday-rates-are-starting-to-rise/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 17:09:24 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1517</guid>
		<description><![CDATA[Rates Are Starting to Rise.
Mortgage rates for 30 year fixed loans are starting to rise. Rates are starting to rise as the economy starts to recover. With the Dow Jones Average going in an upward direction, so do mortgage rates. The rates will soon be over 4% and will continue to rise as the housing [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/02/20/mortgage-monday-rates-are-starting-to-rise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Prices at 2003 Level</title>
		<link>http://www.rchapmanrealtor.com/2012/01/30/mortgage-monday-prices-at-2003-level/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/30/mortgage-monday-prices-at-2003-level/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 16:13:12 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1501</guid>
		<description><![CDATA[Prices at 2003 Level
If you look at today&#8217;s real estate prices you will find that they have fallen to the level of prices in 2003. That is good news for today&#8217;s buyers, but not so good for today&#8217;s sellers. But that is not what I want to talk about today. Markets, whether it is the [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/30/mortgage-monday-prices-at-2003-level/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Examples of Mortgage Fraud</title>
		<link>http://www.rchapmanrealtor.com/2012/01/23/mortgage-monday-examples-of-mortgage-fraud/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/23/mortgage-monday-examples-of-mortgage-fraud/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 13:45:22 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1494</guid>
		<description><![CDATA[Examples of Mortgage Fraud
Kickbacks that are undisclosed
One kind of mortgage fraud is if you (the buyer) and the seller agree that you will receive a check or a cash payment for a new roof, for example. If your lender does not know about it because it is not disclosed in the Purchase and Sale Agreement [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/23/mortgage-monday-examples-of-mortgage-fraud/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Title and Escrow Explained</title>
		<link>http://www.rchapmanrealtor.com/2012/01/19/escrow-thursday-title-and-escrow-explained/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/19/escrow-thursday-title-and-escrow-explained/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 15:55:24 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Seller]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1474</guid>
		<description><![CDATA[Title And Escrow Explained

Title insurance is an insurance product that protects an insured owner (or lender) against various adverse claims, encumbrances, and defects against title to real property.

When a request for title insurance is received, the title company will examine the title history to the property in question and issue a title commitment that reflects [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/19/escrow-thursday-title-and-escrow-explained/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: What Is Mortgage Fraud?</title>
		<link>http://www.rchapmanrealtor.com/2012/01/16/mortgage-monday-what-is-mortgage-fraud/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/16/mortgage-monday-what-is-mortgage-fraud/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 17:58:59 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Seller]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1470</guid>
		<description><![CDATA[What is Mortgage Fraud?
Any one who lies or falsifies information on a loan application commits mortgage fraud. If you do not disclose all of the information that your lender asks for, or if you just adjust the figures a little bit so that you look better, you have committed mortgage fraud. This is often done [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/16/mortgage-monday-what-is-mortgage-fraud/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Is The Market Picking Up?</title>
		<link>http://www.rchapmanrealtor.com/2012/01/09/mortgage-monday-is-the-market-picking-up/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/09/mortgage-monday-is-the-market-picking-up/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 14:03:39 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1468</guid>
		<description><![CDATA[Is The Market Picking Up?
Real Estate offices throughout the Greater Seattle area are seeing an increase in activity. There are even reports of bidding wars in the more desirable neighborhoods. Pending sales going into the holidays were up. That is a time when sales usually slow down. Closed sales have shown an increase as well. [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/09/mortgage-monday-is-the-market-picking-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saturday Sellers News: First Time Home Sellers Resource</title>
		<link>http://www.rchapmanrealtor.com/2012/01/07/saturday-sellers-news-first-time-home-sellers-resource/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/07/saturday-sellers-news-first-time-home-sellers-resource/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 13:51:46 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Seller]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1458</guid>
		<description><![CDATA[First Time Home Sellers Resource
While looking at the statistics for my website and blog, it was brought to my attention that there were several views on a post that was directed at the &#8220;First Time Home Seller.&#8221; This was enlightening information as I thought that there was no need for any more information on selling [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/07/saturday-sellers-news-first-time-home-sellers-resource/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: What Is Closing?</title>
		<link>http://www.rchapmanrealtor.com/2012/01/06/escrow-thursday-what-is-closing/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/06/escrow-thursday-what-is-closing/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 15:09:05 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1455</guid>
		<description><![CDATA[What Is Closing?
I have been asked many times, &#8220;What do you mean by closing?&#8221; The answer is actually quite simple. Simple when you understand what is being talked about, and confusing when you do not know what is being talked about. If you are unfamiliar with the terminology, how can you know what is being [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/06/escrow-thursday-what-is-closing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: What is PMI</title>
		<link>http://www.rchapmanrealtor.com/2012/01/02/mortgage-monday-what-is-pmi/</link>
		<comments>http://www.rchapmanrealtor.com/2012/01/02/mortgage-monday-what-is-pmi/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 17:24:08 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1431</guid>
		<description><![CDATA[What is PMI?
PMI stands for Private Mortgage Insurance. It is an insurance policy that your lender may require if you have less than a 20% down payment. Most lenders feel that if you paid 20% down and have what is referred to as an 80-20 loan that you are less likely to default on the [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/01/02/mortgage-monday-what-is-pmi/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Who Determines Which Escrow Company is Used</title>
		<link>http://www.rchapmanrealtor.com/2011/12/29/escrow-thursday-who-determines-which-escrow-company-is-used/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/29/escrow-thursday-who-determines-which-escrow-company-is-used/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 16:13:40 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1414</guid>
		<description><![CDATA[Who Determines Which Escrow Company is Used?
It is usually the choice of the seller in a real estate transaction. When a real estate broker or agent gets a listing, they will contact a title company and &#8220;Open Title&#8221;. What that means is they are asking the title company to provide them with a preliminary report [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/29/escrow-thursday-who-determines-which-escrow-company-is-used/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Find The Right Mortgage For You</title>
		<link>http://www.rchapmanrealtor.com/2011/12/26/mortgage-monday-find-the-right-mortgage-for-you/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/26/mortgage-monday-find-the-right-mortgage-for-you/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 14:38:29 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1411</guid>
		<description><![CDATA[Find The Right Mortgage For You.
If you are thinking that you do not qualify for a mortgage, you are not alone. You think you need 20% for a down payment, so why even ask about a mortgage. You think you need a 700 credit score, or you have too much debt. Well don&#8217;t just think [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/26/mortgage-monday-find-the-right-mortgage-for-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: RESPA</title>
		<link>http://www.rchapmanrealtor.com/2011/12/21/escrow-thursday-respa/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/21/escrow-thursday-respa/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 16:38:54 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1390</guid>
		<description><![CDATA[RESPA
The escrow analysis provisions of the Real Estate Settlement Procedures Act (RESPA) are designed to ensure all lenders are handling borrowers’ escrow accounts in the proper manner. Among other things, RESPA:

Provides for the establishment of mortgage escrow accounts to collect 1/12 of the annual escrow disbursements, on a monthly basis, for the payment of taxes [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/21/escrow-thursday-respa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Rates Are Still Low. What Are You Waiting For?</title>
		<link>http://www.rchapmanrealtor.com/2011/12/19/mortgage-monday-rates-are-still-low-what-are-you-waiting-for/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/19/mortgage-monday-rates-are-still-low-what-are-you-waiting-for/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 18:23:57 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1325</guid>
		<description><![CDATA[ Rates Are Still Low. What Are You Waiting For?
Interest rates on a 30-year-fixed rate mortgage this morning is 3.75%. How long it is going to stay under 4% is anyone&#8217;s guess. If you are planning on buying a home in the next 2 to 3 months, get your pre-approval letter from your lender, lock in [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/19/mortgage-monday-rates-are-still-low-what-are-you-waiting-for/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Do I Need An Escrow Account Cushion?</title>
		<link>http://www.rchapmanrealtor.com/2011/12/15/escrow-thursday-do-i-need-an-escrow-account-cushion/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/15/escrow-thursday-do-i-need-an-escrow-account-cushion/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 17:28:20 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1320</guid>
		<description><![CDATA[Do I Need An Escrow Account Cushion?
The RESPA statute and regulations do not require the lender to maintain a cushion. However, since 1976 the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/15/escrow-thursday-do-i-need-an-escrow-account-cushion/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Avoiding Foreclosure Fraud</title>
		<link>http://www.rchapmanrealtor.com/2011/12/12/mortgage-monday-avoiding-foreclosure-fraud/</link>
		<comments>http://www.rchapmanrealtor.com/2011/12/12/mortgage-monday-avoiding-foreclosure-fraud/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 18:16:43 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1317</guid>
		<description><![CDATA[Avoiding Foreclosure Fraud.
Although the rate of home foreclosures is slowing, that does not mean the rate of foreclosure fraud has slowed. If you receive a flier from a company stating that they can stop your foreclosure or get a you a needed loan modification. Read it carefully and if it falls under the old adage, [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2011/12/12/mortgage-monday-avoiding-foreclosure-fraud/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

