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	<title>Mortgage Maniac</title>
	<link>http://www.scoutmortgage.com/blog</link>
	<description>Just another WordPress weblog</description>
	<pubDate>Fri, 05 Oct 2007 20:29:53 +0000</pubDate>
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		<title>No Out of Pocket vs. No Cost</title>
		<link>http://www.scoutmortgage.com/blog/no-out-of-pocket-vs-no-cost</link>
		<comments>http://www.scoutmortgage.com/blog/no-out-of-pocket-vs-no-cost#comments</comments>
		<pubDate>Wed, 03 Oct 2007 21:24:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

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		<description><![CDATA[As different as night and day!

Defined:

No Cost - No origination fees or discount  points AND the broker pays ALL closing costs including the title, appraisal and  bank junk fees.  The broker pays all the closing fees out of the Yield Spread  Premium (Commission) paid to the broker by the bank. 

No Out of Pocket [...]]]></description>
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		<title>Broker vs. Bank</title>
		<link>http://www.scoutmortgage.com/blog/broker-vs-bank</link>
		<comments>http://www.scoutmortgage.com/blog/broker-vs-bank#comments</comments>
		<pubDate>Wed, 26 Sep 2007 16:56:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

		<guid isPermaLink="false">http://s218617622.onlinehome.us/ScoutMortgage/blog/people-are-smart</guid>
		<description><![CDATA[There is a lot of confusion in the marketplace regarding whether a borrower is better served going to a mortgage broker or going to their bank.  The answer is simple…it depends.
As a mortgage broker, we get to &#8220;shop&#8221; hundreds of banks to find the bank with the lowest rates and fees.  You see, every morning banks [...]]]></description>
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		<title>Crystal Ball</title>
		<link>http://www.scoutmortgage.com/blog/crystal-ball</link>
		<comments>http://www.scoutmortgage.com/blog/crystal-ball#comments</comments>
		<pubDate>Mon, 17 Sep 2007 19:13:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

		<guid isPermaLink="false">http://s218617622.onlinehome.us/ScoutMortgage/blog/crystal-ball</guid>
		<description><![CDATA[Watch the talking heads of any financial news network and you can&#8217;t help but notice that for every issue there are two sides, and for every prediction, there is one that counters it.  Predictions are really just educated guesses that can change on a dime when unexpected events occur. Don&#8217;t fall for their predictions, it can end up costing you thousands. 

With [...]]]></description>
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		<title>People are Smart</title>
		<link>http://www.scoutmortgage.com/blog/people-are-smart</link>
		<comments>http://www.scoutmortgage.com/blog/people-are-smart#comments</comments>
		<pubDate>Thu, 26 Jul 2007 16:56:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

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		<description><![CDATA[Everyday, I sit in my office and have to watch the new ad campaign that Ditech is running and I wonder… why do they advertise the absolute worse loan that a borrower could take? Do people respond? And it makes me wonder, does Ditech really think “People Are Smart” or are they laughing behind our [...]]]></description>
		<wfw:commentRss>http://www.scoutmortgage.com/blog/people-are-smart/feed</wfw:commentRss>
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		<title>Annual Percentage Rate</title>
		<link>http://www.scoutmortgage.com/blog/annual-percentage-rate</link>
		<comments>http://www.scoutmortgage.com/blog/annual-percentage-rate#comments</comments>
		<pubDate>Tue, 17 Jul 2007 21:46:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

		<guid isPermaLink="false">http://s218617622.onlinehome.us/ScoutMortgage/blog/annual-percentage-rate</guid>
		<description><![CDATA[A.P.R. is a prime example of the government trying to give poorly informed consumers just enough information to make a big mistake. And like all financial mistakes, there is a benefactor –the bank.  
With respect to interest rates, we are programmed to believe that the lowest interest rate (APR) is the best interest rate. [...]]]></description>
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		<title>Don&#8217;t get caught in a shell game</title>
		<link>http://www.scoutmortgage.com/blog/dont-get-caught-in-a-shell-game</link>
		<comments>http://www.scoutmortgage.com/blog/dont-get-caught-in-a-shell-game#comments</comments>
		<pubDate>Mon, 09 Jul 2007 21:40:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Mortgage Maniac]]></category>

		<guid isPermaLink="false">http://s218617622.onlinehome.us/ScoutMortgage/blog/dont-get-caught-in-a-shell-game</guid>
		<description><![CDATA[Most of us have strolled along the boardwalk or the streets of  New York and watched a street magician perform.  One of the magicians favorites  is to have a passerby place a ball under a cup and watch the magician begin  swirling the cups, faster and faster, while I try to [...]]]></description>
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