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	<title>Orion Mortgage, Inc. &#187; Uncategorized</title>
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	<link>http://orionmortgageinc.com</link>
	<description>Consistently superior service since 1996 serving the Denver metro area</description>
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		<title>Setting a Home Purchase Budget</title>
		<link>http://orionmortgageinc.com/2009/12/setting-a-home-purchase-budget/</link>
		<comments>http://orionmortgageinc.com/2009/12/setting-a-home-purchase-budget/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 19:26:45 +0000</pubDate>
		<dc:creator>orionmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://orionmortgageinc.com/?p=1323</guid>
		<description><![CDATA[One of the most common questions we get is “How much can I qualify for?”  I consider this a very dangerous question because it assumes if the borrower can “qualify” for the loan, they can easily make the payments.  In fact, the “qualification” system is set based on the assumption that the borrower knows how [...]]]></description>
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		<title>Analysis Reveals a Different Market Dynamic in Each Real Estate Price Range</title>
		<link>http://orionmortgageinc.com/2009/07/analysis-reveals-a-different-market-dynamic-in-each-real-estate-price-range/</link>
		<comments>http://orionmortgageinc.com/2009/07/analysis-reveals-a-different-market-dynamic-in-each-real-estate-price-range/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 16:08:33 +0000</pubDate>
		<dc:creator>orionmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[housing market]]></category>

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		<description><![CDATA["It has been obvious to all of us for quite a while now that lower priced homes are selling much faster than higher-priced homes, so I figured it was high time to do some statistical analysis.  Here is what I discovered . . ."  The analysis is interesting, but no surprise for someone in the mortgage business.
]]></description>
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		<title>Should I Hire a Buyer&#8217;s Agent?</title>
		<link>http://orionmortgageinc.com/2009/07/should-i-hire-a-buyers-agent/</link>
		<comments>http://orionmortgageinc.com/2009/07/should-i-hire-a-buyers-agent/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 15:12:58 +0000</pubDate>
		<dc:creator>orionmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[real estate agent]]></category>

		<guid isPermaLink="false">http://orionmortgageinc.com/?p=782</guid>
		<description><![CDATA[Based On my experience and observations of others, the issue is not whether to use a buyer's agent. The issue is which buyer's agent to use. In my own last purchase, the listing agent offered me a credit not to bring in my own agent. I told him thanks, but I would use an agent I selected. When the transaction closed, we had negotiated a price concession roughly 10 times the credit that was offered plus valuable nonstandard terms. I don't think the listing agent understood what was given in terms. My agent more than earned his commission. The listing agent was paid a very small commission for the size of the transaction. My opinion is that the seller made a costly choice by selecting an agent based primarily on commission.]]></description>
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		<title>5 Tips for Prospective Home Buyers</title>
		<link>http://orionmortgageinc.com/2009/07/5-tips-for-prospective-home-buyers/</link>
		<comments>http://orionmortgageinc.com/2009/07/5-tips-for-prospective-home-buyers/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 18:13:00 +0000</pubDate>
		<dc:creator>orionmortgage</dc:creator>
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		<category><![CDATA[financing]]></category>
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		<category><![CDATA[mortgage rates]]></category>

		<guid isPermaLink="false">http://orionmortgageinc.com/?p=765</guid>
		<description><![CDATA[After a recent spike seen in mortgage rates, some consumers are wondering whether they’ve missed their chance to refinance into an ultra-low rate.  Fear not: While the conforming 30-year fixed-rate mortgage hit a daily average of 5.81% last Thursday, it averaged 5.53% on Tuesday, said Keith Gumbinger, vice president of HSH Associates, a publisher of consumer loan information. And it’s possible that rates could continue to fall.
]]></description>
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		<title>Should I refinance?</title>
		<link>http://orionmortgageinc.com/2009/06/should-i-refinance/</link>
		<comments>http://orionmortgageinc.com/2009/06/should-i-refinance/#comments</comments>
		<pubDate>Fri, 26 Jun 2009 17:21:00 +0000</pubDate>
		<dc:creator>orionmortgage</dc:creator>
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		<category><![CDATA[financing]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://orionmortgageinc.com/?p=657</guid>
		<description><![CDATA[Recently a customer called me asking about refinancing.  She had received information in the mail from her bank indicating they could refinance her for a low rate and save her tons of money.  There were a few issues with this offer.]]></description>
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