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	<title>The First Lady Of Finance® &#187; Terms</title>
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	<link>http://www.firstladyoffinance.com</link>
	<description>Find out all about smart home financing.</description>
	<lastBuildDate>Fri, 16 Apr 2010 08:34:13 +0000</lastBuildDate>
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		<title>Overlays Add to the Humps</title>
		<link>http://www.firstladyoffinance.com/2010/03/08/overlays-add-to-the-humps/</link>
		<comments>http://www.firstladyoffinance.com/2010/03/08/overlays-add-to-the-humps/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 17:00:36 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Terms]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=37</guid>
		<description><![CDATA[From my February 28th, 2010 column in the Sacramento Bee&#8230;
The loan process has many layers and is often  overwhelming to  borrowers especially with everything changing so often. In making mortgage  loans, lenders use guidelines regarding the borrowers and the  property. During  the early 2000’s, guidelines were relaxed quite a bit [...]]]></description>
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		<title>Terms Help Process</title>
		<link>http://www.firstladyoffinance.com/2010/03/06/terms-help-process/</link>
		<comments>http://www.firstladyoffinance.com/2010/03/06/terms-help-process/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 17:09:36 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Terms]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=36</guid>
		<description><![CDATA[From my column February 21st, 2010 column in the Sacramento Bee&#8230;
Knowing the terminology when you are shopping for a home helps. Here are a few terms that may have confused you.

MORTGAGE INSURANCE—Mortgage insurance (MI) is what the borrower pays if there is there is less than a 20 percent downpayment. MI insures the lender because [...]]]></description>
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