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	<title>Fair Oaks Lender</title>
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	<link>http://fairoakslender.com</link>
	<description>Providing Peace of Mind...One Loan at a Time.</description>
	<lastBuildDate>Thu, 05 Aug 2010 05:18:19 +0000</lastBuildDate>
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		<title>Proposition 13, Proposition 60, and Propositon 90</title>
		<link>http://fairoakslender.com/?p=104</link>
		<comments>http://fairoakslender.com/?p=104#comments</comments>
		<pubDate>Thu, 05 Aug 2010 05:14:56 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[Knowing the tax laws can allow homebuyers and the Realtors that assist them to make a move confidently and to save lots of money.  California Propositions 13, 60, and 90 can greatly affect people over 55 years of age.
]]></description>
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		<title>MCC Money Now Available in Sacramento</title>
		<link>http://fairoakslender.com/?p=99</link>
		<comments>http://fairoakslender.com/?p=99#comments</comments>
		<pubDate>Wed, 04 Aug 2010 18:48:51 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

		<guid isPermaLink="false">http://fairoakslender.com/?p=99</guid>
		<description><![CDATA[New money is now available for the SHRA MCC program.  This program blows away the $8,000 First Time Homebuyer program if the borrower keeps the loan in place for more than five years as an owner occupant.
The Sacramento Mortgage Credit Certificate (MCC) Program is designed to provide homeownership assistance on home purchases within the cities [...]]]></description>
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		<title></title>
		<link>http://fairoakslender.com/?p=95</link>
		<comments>http://fairoakslender.com/?p=95#comments</comments>
		<pubDate>Fri, 28 May 2010 16:08:44 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[Here's the latest on the USDA funding voted on last night.  ]]></description>
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		<title>USDA Funds</title>
		<link>http://fairoakslender.com/?p=93</link>
		<comments>http://fairoakslender.com/?p=93#comments</comments>
		<pubDate>Mon, 24 May 2010 15:37:30 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[There is a Senate Bill (S.3266) sponsored by Sen. Michael Bennet and 14 other Senators.  The bill is currently attached to HR 4899, the Disaster relief and Summer Jobs Act of 2010...]]></description>
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		<slash:comments>4</slash:comments>
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		<title>Fannie Mae Homepath Renovation</title>
		<link>http://fairoakslender.com/?p=77</link>
		<comments>http://fairoakslender.com/?p=77#comments</comments>
		<pubDate>Sat, 08 May 2010 07:00:49 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[National lender announces participation in Fannie Mae HomePath Renovation Program.  With this program you are able to purchase select Fannie Mae foreclosed homes listed on http://www.homepath.com and finance renovations into the loan.  ]]></description>
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		<title>$10,000 California Home Buyer Incentive</title>
		<link>http://fairoakslender.com/?p=79</link>
		<comments>http://fairoakslender.com/?p=79#comments</comments>
		<pubDate>Sat, 27 Mar 2010 19:52:48 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[I’ve been in the real estate game since 1985.  I’ve seen Federal and State incentives come and go (MCC, First House, DAP, etc.), but never has there been an enticement to buy like the <a href="../?p=43">$8,000 First Time Home Tax Credit</a>.  Now, California has come along and thrown more fuel on the hot real estate market fire and given us another gift–]]></description>
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		<slash:comments>0</slash:comments>
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		<title>10 Things You Should Know About John Easterbrook</title>
		<link>http://fairoakslender.com/?p=73</link>
		<comments>http://fairoakslender.com/?p=73#comments</comments>
		<pubDate>Wed, 17 Feb 2010 16:23:24 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[John Easterbrook of Golden Bear Mortgage has some unique loan products.  Capitalize on the $8,000 First Time Homebuyer Tax Credit and use one of these excellent programs to get qualified to buy now.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Investor Financing Ten Properties</title>
		<link>http://fairoakslender.com/?p=71</link>
		<comments>http://fairoakslender.com/?p=71#comments</comments>
		<pubDate>Fri, 12 Feb 2010 07:40:46 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[It is now possible for investors to finance up to 10 properties with John Easterbrook of Golden Bear Mortgage.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>First Time Homebuyer?</title>
		<link>http://fairoakslender.com/?p=64</link>
		<comments>http://fairoakslender.com/?p=64#comments</comments>
		<pubDate>Sat, 06 Feb 2010 19:13:09 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

		<guid isPermaLink="false">http://fairoakslender.com/?p=64</guid>
		<description><![CDATA[My advice?  Jump in with both feet and your eyes wide open!  Here&#8217;s what to watch for.
Mortgage rates are at an incredible historic low, and that will not last. The rate on a 30-year  mortgage averaged 5% last week, according to Freddie Mac. Rates are low in part  because the Federal Reserve has [...]]]></description>
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		<title>FHA Make Significant Changes</title>
		<link>http://fairoakslender.com/?p=62</link>
		<comments>http://fairoakslender.com/?p=62#comments</comments>
		<pubDate>Thu, 21 Jan 2010 21:07:21 +0000</pubDate>
		<dc:creator>John Easterbrook, Loan Specialist</dc:creator>
				<category><![CDATA[Agent Update]]></category>

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		<description><![CDATA[Commissioner David Stevens on Wednesday announced big changes at the government mortgage insurer that now backs a significant amount of the country’s home loans.
The FHA will raise the up-front Mortgage Insurance Premium paid by borrowers from 1.75% to 2.25% as well as request legislative authority to increase the maximum annual MIP that the FHA can [...]]]></description>
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