<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>JBerman Group &#187; Consumer Education</title>
	<atom:link href="http://jbermangroup.com/category/consumer-education/feed/" rel="self" type="application/rss+xml" />
	<link>http://jbermangroup.com</link>
	<description>Serving Colorado homeowners since 1993.</description>
	<lastBuildDate>Wed, 01 Feb 2012 07:19:23 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
		<item>
		<title>Mailbag: IRS to give Tax Lien holders a break</title>
		<link>http://jbermangroup.com/2011/04/mailbag-irs-to-give-tax-lien-holders-a-break/</link>
		<comments>http://jbermangroup.com/2011/04/mailbag-irs-to-give-tax-lien-holders-a-break/#comments</comments>
		<pubDate>Thu, 07 Apr 2011 21:22:29 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[OIC]]></category>
		<category><![CDATA[tax lien]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1465</guid>
		<description><![CDATA[From time to time, we get great content from our friends over at Advantage Credit. In December, they wrote about Short Sale and Foreclosures and how each affects your credit report. Short Sale Vs. Foreclosure: How Does Each Affect My Credit? Advantage is back with an update on the latest changes from the IRS regarding [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/04/mailbag-irs-to-give-tax-lien-holders-a-break/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mailbag: Short Sale Vs. Foreclosure: How Does Each Affect My Credit?</title>
		<link>http://jbermangroup.com/2010/12/mailbag-short-sale-vs-foreclosure-how-does-each-affect-my-credit/</link>
		<comments>http://jbermangroup.com/2010/12/mailbag-short-sale-vs-foreclosure-how-does-each-affect-my-credit/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 22:56:50 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1160</guid>
		<description><![CDATA[Question: Short Sale Vs. Foreclosure: How Does Each Affect My Credit? A short sale in real estate occurs when the outstanding obligations (loans) against a property are greater than what the property can be sold for. In this time of option-arms coming due we will see more and more borrowers trying to negotiate short sales as opposed to [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/12/mailbag-short-sale-vs-foreclosure-how-does-each-affect-my-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Important is Identity Security to Your Mortgage Originator?</title>
		<link>http://jbermangroup.com/2010/09/how-important-is-identity-security-to-your-mortgage-originator/</link>
		<comments>http://jbermangroup.com/2010/09/how-important-is-identity-security-to-your-mortgage-originator/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 23:10:52 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1109</guid>
		<description><![CDATA[As it relates to our mortgage practice, I&#8217;ve been thinking about privacy and data security a lot lately. Mortgage Origination IS moving online. This means thousands of individuals like me are discovering that it is both efficient and economical to operate a mortgage practice on the web. One of the many benefits of operating in [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/09/how-important-is-identity-security-to-your-mortgage-originator/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From the Mailbag: Shorter Maturity Loan Terms</title>
		<link>http://jbermangroup.com/2010/07/from-the-mailbag-shorter-maturity-loan-terms/</link>
		<comments>http://jbermangroup.com/2010/07/from-the-mailbag-shorter-maturity-loan-terms/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 16:29:03 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1040</guid>
		<description><![CDATA[Question: Can I get a mortgage for less than 30 years? Is that a good deal? &#8211; Avi, Westminster, CO The quick answer is yes &#38; maybe. Mortgages are available in a variety of loan terms. The two most common are 30 year fixed and 15 year fixed. However, 25 year and 20 year options [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/07/from-the-mailbag-shorter-maturity-loan-terms/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From the Mailbag: Holding Title to a Home</title>
		<link>http://jbermangroup.com/2010/06/from-the-mailbag-holding-title-to-a-home/</link>
		<comments>http://jbermangroup.com/2010/06/from-the-mailbag-holding-title-to-a-home/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 12:52:36 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[mailbag]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=818</guid>
		<description><![CDATA[Throughout the year we get lots of mortgage-related questions from our customers and readers of this blog. We thought it would be fun to start answering some of the questions on a regular basis as a featured post. If you have a question, send it to us through the contact us page. &#8220;I&#8217;m confused about [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/06/from-the-mailbag-holding-title-to-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Simple Real Estate Definitions : Quitclaim Deed</title>
		<link>http://jbermangroup.com/2009/09/simple-real-estate-definitions-quitclaim-deed/</link>
		<comments>http://jbermangroup.com/2009/09/simple-real-estate-definitions-quitclaim-deed/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 15:11:31 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=505</guid>
		<description><![CDATA[By its most common definition,&#160;a quitclaim deed is a document by which one person passes legal and financial ownership of a home to another person. It&#8217;s also a way for an owner of a home to remove himself from the title to the property. Often misspelled as &#8220;quick claim deed&#8221; or &#8220;quit claim deed&#8221;, quitclaim [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/09/simple-real-estate-definitions-quitclaim-deed/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Keep Burglars From Knowing You&#8217;re On Vacation</title>
		<link>http://jbermangroup.com/2009/08/how-to-keep-burglars-from-knowing-youre-on-vacation/</link>
		<comments>http://jbermangroup.com/2009/08/how-to-keep-burglars-from-knowing-youre-on-vacation/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 14:45:53 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=479</guid>
		<description><![CDATA[There&#8217;s some common sense ways to protect your home from burglary &#8212; keep the doors locked, the windows shut, and the alarm system on, for example.&#160; But drawing from a series of interviews with ex-convicts, NBC&#8217;s The Today Show reveals there are ways by which a vacationing homeowner can unwittingly make his home a theft [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/08/how-to-keep-burglars-from-knowing-youre-on-vacation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>To Use The $8,000 First-Time Home Buyer Tax Credit Program, There&#8217;s Now Just 6 Weeks To Find A Home</title>
		<link>http://jbermangroup.com/2009/08/to-use-the-8000-first-time-home-buyer-tax-credit-program-theres-now-just-6-weeks-to-find-a-home/</link>
		<comments>http://jbermangroup.com/2009/08/to-use-the-8000-first-time-home-buyer-tax-credit-program-theres-now-just-6-weeks-to-find-a-home/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 14:40:00 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=486</guid>
		<description><![CDATA[If you plan to use the First-Time Home Buyer Tax Credit program, time is running out. The program expires November 30, 2009 and closing on a home can take up to 60 days. That leaves you 6 weeks from today to find a home and go under contract. The First-Time Homebuyer Tax Credit program was [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/08/to-use-the-8000-first-time-home-buyer-tax-credit-program-theres-now-just-6-weeks-to-find-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consumers: Watch out for bogus mortgage closing fees&#8230;.</title>
		<link>http://jbermangroup.com/2009/05/consumers-watch-out-for-bogus-mortgage-closing-fees/</link>
		<comments>http://jbermangroup.com/2009/05/consumers-watch-out-for-bogus-mortgage-closing-fees/#comments</comments>
		<pubDate>Wed, 13 May 2009 17:11:51 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>
		<category><![CDATA[bogus mortgage fees]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=362</guid>
		<description><![CDATA[I received an email from my home office a few days ago. Apparently some originators are charging bogus fees. I can&#8217;t believe this type of behavior still needs to be addressed. Greed The days of originators (not including bankers) making 2% or more on a loan are gone. Charging bogus &#8216;handling&#8217; fees is a short-term [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/05/consumers-watch-out-for-bogus-mortgage-closing-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>With Mortgage Rates, You Can&#8217;t Shop For Good Luck</title>
		<link>http://jbermangroup.com/2009/05/with-mortgage-rates-you-cant-shop-for-good-luck/</link>
		<comments>http://jbermangroup.com/2009/05/with-mortgage-rates-you-cant-shop-for-good-luck/#comments</comments>
		<pubDate>Tue, 12 May 2009 15:00:06 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Consumer Education]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=378</guid>
		<description><![CDATA[After a series of increases starting April 30, mortgage rates finally took a dip Monday.&#160; It was a welcome surprise for home buyers that went under contract over the weekend.&#160; Same for homeowners looking to pull the refinance&#160;trigger. Versus mortgage rates on Friday afternoon, many lenders were already showing lower rates Monday morning before a [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/05/with-mortgage-rates-you-cant-shop-for-good-luck/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

