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	<title>Automatic CMR Updates</title> 
	<link>http://www.californiamortgagerate.com</link>
	<description>Get the information and insight you need to shop and compare loans for the lowest rate. Stay up-to-date with current mortgage rates and details on refinancing, home equity loans, and mortgage loans, plus free customized rate quotes.</description>
	<copyright>Copyright 2008</copyright>
	<lastBuildDate>Fri, 16 May 2008 17:10:50 -0800</lastBuildDate>
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		<item>
		<title>Bad Credit? Eight Tips for Getting a New Home Loan</title>
		<description>Many consumers with bad credit fear that buying a new home is an impossible feat to accomplish--not so. These suggestions can help you qualify for a mortgage despite your bad credit</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/bad_credit_eight_tips_for_getting_a_new_home_loan.php.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/bad_credit_eight_tips_for_getting_a_new_home_loan.php.htm</guid>
		<category>Mortgage</category>
				<pubDate>Fri, 16 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Can My Monthly Mortgage Payment Change?</title>
		<description>A mortgage calculator can help you figure out how refinancing might cushion the blow of mortgage payment increases.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/can_my_monthly_mortgage_payment_change.php.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/can_my_monthly_mortgage_payment_change.php.htm</guid>
		<category>Mortgage</category>
				<pubDate>Thu, 15 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Mortgage Options: Finding Flexibility in Your Home Loan</title>
		<description>What if you really need some flexibility in your mortgage? Is that even possible? The answer is yes, you can find room for flexibility in your mortgage.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/mortgage_options_finding_flexibility_in_your_home_loan.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/mortgage_options_finding_flexibility_in_your_home_loan.htm</guid>
		<category>Mortgage</category>
				<pubDate>Wed, 14 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Adjustable-Rate Mortgages: What You Need To Know About a Reset</title>
		<description>My Adjustable Rate Mortgage (ARM) is going to reset. What does that mean?</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/adjustablerate_mortgages_what_you_need_to_know_about_a_reset.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/adjustablerate_mortgages_what_you_need_to_know_about_a_reset.htm</guid>
		<category>Mortgage</category>
				<pubDate>Tue, 13 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>New Home Loan Problem Solving: Research the Market and Get Creative</title>
		<description>What can you do to save for the down payment you need for a new home loan? Can you qualify for a mortgage without a down payment? </description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/new_home_loan_problem_solving_research_the_market_and_get_creative.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/new_home_loan_problem_solving_research_the_market_and_get_creative.htm</guid>
		<category>Mortgage</category>
				<pubDate>Mon, 12 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>How to Refinance: Getting a Good Faith Estimate</title>
		<description>When refinancing a home loan, be sure to get a good faith estimate. If you want to do your refinance right, you'll need all the information you can get.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/how_to_refinance_getting_a_good_faith_estimate.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/how_to_refinance_getting_a_good_faith_estimate.htm</guid>
		<category>Mortgage</category>
				<pubDate>Fri, 09 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Down Payment Options for Buying a New Home</title>
		<description>What can you do to save for the down payment you need for a new home loan? Can you qualify for a mortgage without a down payment? </description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/down_payment_options_for_buying_a_new_home.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/down_payment_options_for_buying_a_new_home.htm</guid>
		<category>Mortgage</category>
				<pubDate>Thu, 08 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>How to Refinance: Choosing the Right Home Loan</title>
		<description>Choosing the right loan is an important step in the refinance process. Here are some of the home loans you might choose from.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/how_to_refinance_choosing_the_right_home_loan.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/how_to_refinance_choosing_the_right_home_loan.htm</guid>
		<category>Mortgage</category>
				<pubDate>Wed, 07 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Need Debt Consolidation Help? Find the Answer at Home</title>
		<description>Don't let your credit cards and other debts get out of control! Before it affects your credit, consider consolidating debt through a home equity loan.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/need_debt_consolidation_help_find_the_answer_at_home.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/need_debt_consolidation_help_find_the_answer_at_home.htm</guid>
		<category>Mortgage</category>
				<pubDate>Mon, 05 May 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Raising the Conforming Limit Helps California Home Loans</title>
		<description>With California among the leaders of the current foreclosure crisis, the California Association of Mortgage Brokers is pushing to raise the conforming loan limit.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/raising_the_conforming_limit_helps_california_home_loans.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/raising_the_conforming_limit_helps_california_home_loans.htm</guid>
		<category>Mortgage</category>
				<pubDate>Wed, 30 Apr 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Home Improvement Loan Options: HELOC vs. Second Mortgage</title>
		<description>Have you been considering tapping into your home equity for a home improvement loan? Learn about your options and find a solution that fits your needs.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/home_improvement_loan_options_heloc_vs_second_mortgage.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/home_improvement_loan_options_heloc_vs_second_mortgage.htm</guid>
		<category>Mortgage</category>
				<pubDate>Fri, 25 Apr 2008 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Save Your Home with a Mortgage Forbearance Loan </title>
		<description>We're hearing so much about mortgage defaults, but little about mortgage forbearance loans--a possible alternative to home foreclosure.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/save_your_home_with_a_mortgage_forbearance_loan.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/save_your_home_with_a_mortgage_forbearance_loan.htm</guid>
		<category>Mortgage</category>
				<pubDate>Thu, 21 Jun 2007 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Getting a Home Loan despite Your Bad Credit</title>
		<description>Those shopping for a new home loan with poor or bad credit may find themselves looking long and hard for the right deal, but the news isn't all bad. There are lenders looking for you, too.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/getting_a_home_loan_despite_your_bad_credit.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/getting_a_home_loan_despite_your_bad_credit.htm</guid>
		<category>Mortgage</category>
				<pubDate>Tue, 01 May 2007 09:00:00 -0800</pubDate>
	</item>
		<item>
		<title>Mortgage Combinations Help Bad Credit Buyers</title>
		<description>Unless your financial future is secure, think carefully before buying a home with an interest only mortgage.</description>
		<link>http://www.californiamortgagerate.com/mortgage_strategy/advice/mortgage_combinations_help_bad_credit_buyers.htm</link>
		<guid>http://www.californiamortgagerate.com/mortgage_strategy/advice/mortgage_combinations_help_bad_credit_buyers.htm</guid>
		<category>Mortgage</category>
				<pubDate>Wed, 27 Dec 2006 09:00:00 -0800</pubDate>
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