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	<title>Tampa Bay Homes and Land &#187; Fannie Mae</title>
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	<link>http://teamsumberg.com</link>
	<description>Team Sumberg - Fusion of Good People, The Right Tools and Great Resources!</description>
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		<title>Wall Street Reform Impact On Real Estate</title>
		<link>http://teamsumberg.com/2010/07/18/wall-street-reform-impact-on-real-estate/</link>
		<comments>http://teamsumberg.com/2010/07/18/wall-street-reform-impact-on-real-estate/#comments</comments>
		<pubDate>Sun, 18 Jul 2010 12:16:16 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Home ownership and government]]></category>
		<category><![CDATA[Property Ownership and Government]]></category>
		<category><![CDATA[Selling your property]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Home Mortgages]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=2055</guid>
		<description><![CDATA[Relatively few of the pages of legislation touch on real estate finance directly. Much of the bill addresses the way hedge funds, banks, and other financial services companies are regulated. One of its centerpieces is the new Financial Stability Oversight Council, which will have the job of issuing alerts when it sees lending practices becoming [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Fannie Tightens Interest-Only Requirements</title>
		<link>http://teamsumberg.com/2010/05/10/fannie-tightens-interest-only-requirements/</link>
		<comments>http://teamsumberg.com/2010/05/10/fannie-tightens-interest-only-requirements/#comments</comments>
		<pubDate>Mon, 10 May 2010 14:00:00 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1961</guid>
		<description><![CDATA[Fannie Tightens Interest-Only Requirements Fannie Mae announced last week that it plans to require borrowers using interest-only mortgages to put down 30 percent of the sale price. Fannie Mae also said it will only buy adjustable-rate mortgages underwritten to require that borrowers could afford the loans even if interest rates reset to the higher of either: 1. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Self-employed and 1099er Home Loans Are More Difficult</title>
		<link>http://teamsumberg.com/2010/03/23/self-employed-and-1099er-home-loans-are-more-difficult/</link>
		<comments>http://teamsumberg.com/2010/03/23/self-employed-and-1099er-home-loans-are-more-difficult/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 11:04:13 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1942</guid>
		<description><![CDATA[WASHINGTON &#8211; March 22, 2010 &#8211; Self-employed and seasonal workers historically have struggled to meet eligibility criteria for loans. Their plight has worsened of late, however, now that changes to Fannie Mae and Freddie Mac rules governing &#8220;no doc&#8221; and &#8220;no ratio&#8221; loans have kicked in. Under the revised guidelines, self-employed individuals, 1099 filers, and [...]]]></description>
		<wfw:commentRss>http://teamsumberg.com/2010/03/23/self-employed-and-1099er-home-loans-are-more-difficult/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA Helps CONDO Market with Rule Change</title>
		<link>http://teamsumberg.com/2009/11/12/fha-helps-condo-market-with-rule-change/</link>
		<comments>http://teamsumberg.com/2009/11/12/fha-helps-condo-market-with-rule-change/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 16:48:28 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Homebuyer Tax Credit]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1838</guid>
		<description><![CDATA[The Federal Housing Administration is giving the condo market something it hasn&#8217;t had for a while &#8211; a little breathing room. Last week, the FHA, the federal agency that insures low-downpayment home loans for private lenders, said it was relaxing its building underwriting guidelines as a way of helping the struggling sector ride out the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Dream of Homeownership is ALIVE and WELL in the U.S</title>
		<link>http://teamsumberg.com/2009/06/23/the-dream-of-homeownership-is-alive-and-well-in-the-us/</link>
		<comments>http://teamsumberg.com/2009/06/23/the-dream-of-homeownership-is-alive-and-well-in-the-us/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 10:53:22 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Affordable Housing]]></category>
		<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/the-dream-of-homeownership-is-alive-and-well-in-the-us/</guid>
		<description><![CDATA[The dream of homeownership is alive and well in the U.S., the president of the nation&#8217;s largest real estate trade association recently told a professional group in Fort Worth.  Consumers want back in the market on two conditions: They can get a home for a good price and financing at an affordable rate. With so [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Appraisal Rules Make Home Sales Harder.</title>
		<link>http://teamsumberg.com/2009/06/19/new-appraisal-rules-make-home-sales-harder/</link>
		<comments>http://teamsumberg.com/2009/06/19/new-appraisal-rules-make-home-sales-harder/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 10:32:59 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Commercial Real Estate]]></category>
		<category><![CDATA[Selling your property]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Home values]]></category>
		<category><![CDATA[Team Sumberg]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1497</guid>
		<description><![CDATA[New rules to safeguard the integrity of home appraisals are complicating the deals they’re supposed to protect.  Real estate agents, mortgage brokers and buyers, as well as homeowners who want to refinance their loans, are feeling the effects of rules designed to prevent inflationary appraisals that helped fuel the housing boom. Since May 1, home [...]]]></description>
		<wfw:commentRss>http://teamsumberg.com/2009/06/19/new-appraisal-rules-make-home-sales-harder/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You, Could You Refinance Your Home?</title>
		<link>http://teamsumberg.com/2009/05/27/should-you-could-you-refinance-your-home/</link>
		<comments>http://teamsumberg.com/2009/05/27/should-you-could-you-refinance-your-home/#comments</comments>
		<pubDate>Wed, 27 May 2009 20:20:43 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/should-you-could-you-refinance-your-home/</guid>
		<description><![CDATA[Many homeowners are anxious to refinance with interest rates being near 50 year lows.  Unfortunately, you may have one or more circumstances that could prevent you from doing so.  These are some of the most common problems:   Negative Equity. If you bought your home a few years ago and little or no money down, chances are your loan [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Adjustment to Loan Modification Goals.</title>
		<link>http://teamsumberg.com/2009/04/29/adjustment-to-loan-modification-goals/</link>
		<comments>http://teamsumberg.com/2009/04/29/adjustment-to-loan-modification-goals/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 14:59:09 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Homeownership Affordability and Stability Plan]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan Modification Program]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1324</guid>
		<description><![CDATA[FHFA Sends GSE Housing Goals to Federal Register Proposed Rule Adjusts Certain Goals for Market Conditions; Provides Credit for Loan Modifications     WASHINGTON-The Federal Housing Finance Agency (FHFA) yesterday sent a proposed rule establishing 2009 housing goals for Fannie Mae and Freddie Mac to the Federal Register for publication. Loan modifications undertaken by the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Movin on up? Fannie and Freddie are ready to start taking JUMBO LOANS again.</title>
		<link>http://teamsumberg.com/2009/04/27/fannie-and-freddie-are-to-start-jumbo-loans-again/</link>
		<comments>http://teamsumberg.com/2009/04/27/fannie-and-freddie-are-to-start-jumbo-loans-again/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 21:28:52 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[JUMBO Loans]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1320</guid>
		<description><![CDATA[IN SEARCH OF THE ELUSIVE JUMBO LOAN Mortgage experts say that lenders will soon begin making loans between $625,500 and $729,750 in high-cost housing markets now that Fannie Mae and Freddie Mac have issued underwriting standards. Starting May 4, Fannie Mae and Freddie Mac say they&#8217;ll start buying loans up to the new conforming-loan limit [...]]]></description>
		<wfw:commentRss>http://teamsumberg.com/2009/04/27/fannie-and-freddie-are-to-start-jumbo-loans-again/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>There&#8217;s a New Sheriff in Town.</title>
		<link>http://teamsumberg.com/2009/04/20/theres-a-new-sheriff-in-town/</link>
		<comments>http://teamsumberg.com/2009/04/20/theres-a-new-sheriff-in-town/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 16:33:22 +0000</pubDate>
		<dc:creator>Paul J. Sumberg, Sr.</dc:creator>
				<category><![CDATA[Home ownership and government]]></category>
		<category><![CDATA[Tampa Bay Real Estate Market]]></category>
		<category><![CDATA[Fannie Mae]]></category>

		<guid isPermaLink="false">http://teamsumberg.com/?p=1303</guid>
		<description><![CDATA[ STATEMENT OF FHFA DIRECTOR JAMES B. LOCKHART ON THE APPOINTMENT OF MICHAEL WILLIAMS AS PRESIDENT AND CEO OF FANNIE MAE &#8220;I am pleased that the Fannie Mae Board has selected Michael Williams to become the President and Chief Executive Officer (CEO) of Fannie Mae. Mike Williams brings a breadth of valuable experience to his new [...]]]></description>
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