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	<title>Reverse Mortgage Concepts</title>
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	<link>http://www.reversemortgageconcepts.com</link>
	<description>Reverse Mortgage Concepts is an Arizona reverse mortgage lender.</description>
	<lastBuildDate>Tue, 27 Jul 2010 20:50:52 +0000</lastBuildDate>
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		<item>
		<title>Free Reverse Mortgage Counseling</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/free-reverse-mortgage-counseling/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/free-reverse-mortgage-counseling/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 20:29:26 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fixed Interest Rate]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[reverse mortgage lender]]></category>
		<category><![CDATA[reverse mortgage rates]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=693</guid>
		<description><![CDATA[The U.S. Department of Housing and Urban Development (HUD) announced today that $79 million (seventy-nine million dollars) will be made available for a broad range of housing counseling including how to qualify for a reverse mortgage in fiscal 2010. In times like these when reverse mortgage counseling can cost as high as $125, the additional [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/free-reverse-mortgage-counseling/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Insured Reverse Mortgage Monthly Premiums to Rise</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/fha-insured-reverse-mortgage-monthly-premiums-to-rise/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/fha-insured-reverse-mortgage-monthly-premiums-to-rise/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 17:22:58 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha insurance]]></category>
		<category><![CDATA[Fixed Interest Rate]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[mip]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[reverse mortgage lender]]></category>
		<category><![CDATA[reverse mortgages]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=688</guid>
		<description><![CDATA[I thought it would be necessary to post this article just after my last &#8220;Lowest Reverse Mortgage Fees&#8221; because there are definitely some issues of concern about the ongoing costs of reverse mortgages, or any FHA loan for that matter. The last article defined the reasons for the dramatic decrease in up-front closing costs and [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/fha-insured-reverse-mortgage-monthly-premiums-to-rise/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Lowest Reverse Mortgage Fees</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/lowest-reverse-mortgage-fees/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/lowest-reverse-mortgage-fees/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 17:11:40 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[disadvantages]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fixed Interest Rate]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[jumbo reverse mortgage]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[reverse mortgage lender]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=685</guid>
		<description><![CDATA[Reverse Mortgages have come a long way in just the last year or two. The low, fixed interest rate, FHA insured reverse mortgage came on to the scene last year and has taken the industry by storm. This is good news for everyone, including homeowners age 62 and older. With a very healthy secondary market [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Unlicensed Loan Officers Still Operating in Arizona</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/unlicensed-loan-officers-still-operating-in-arizona/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/unlicensed-loan-officers-still-operating-in-arizona/#comments</comments>
		<pubDate>Mon, 19 Jul 2010 00:37:24 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Arizona Reverse Mortgage]]></category>
		<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[arizona state laws]]></category>
		<category><![CDATA[azdfi]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[loan officer fines]]></category>
		<category><![CDATA[loan officer license]]></category>
		<category><![CDATA[loan officer training]]></category>
		<category><![CDATA[loan officers]]></category>
		<category><![CDATA[Phoenix Arizona]]></category>
		<category><![CDATA[reverse mortgage rates]]></category>
		<category><![CDATA[reverse mortgages]]></category>
		<category><![CDATA[state of arizona]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>
		<category><![CDATA[unlicensed loan officer]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=669</guid>
		<description><![CDATA[With all of the advanced warning and instructions we received from the state and many other sources, there can be no gray area when it comes to who has to have a license to originate loans in Arizona and how to get one. This is not the case for some loan officers who continue to [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/unlicensed-loan-officers-still-operating-in-arizona/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Write For Us</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/write-for-us/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/write-for-us/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 01:31:17 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Write For Us]]></category>
		<category><![CDATA[guest author]]></category>
		<category><![CDATA[guest blogging]]></category>
		<category><![CDATA[reverse mortgage articles]]></category>
		<category><![CDATA[write for us]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=641</guid>
		<description><![CDATA[Please submit article under the following format: Roughly 250 &#8211; 500 words Two outbound links maximum. Subject related to retirement, seniors, all things 62 and over Email your submission along with gravatar and bio to Article Submission Original, quality Reverse Mortgage articles will be submitted in return upon request.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top 10 Disadvantages of Reverse Mortgages</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/top-10-disadvantages-of-reverse-mortgages/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/top-10-disadvantages-of-reverse-mortgages/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 22:36:00 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[advantages]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[disadvantages]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fixed Interest Rate]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[Home equity]]></category>
		<category><![CDATA[jumbo reverse mortgage]]></category>
		<category><![CDATA[Phoenix Arizona]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[reverse mortgage lender]]></category>
		<category><![CDATA[reverse mortgage refinance]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=626</guid>
		<description><![CDATA[I get the question a lot from prospective borrowers, &#8220;What are the disadvantages of a Reverse Mortgage?&#8221; It is a very easy question to answer because there actually are a few. Reverse Mortgages are Home Equity Loans and they will reduce the amount of equity you have in your home. If you are in the [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/top-10-disadvantages-of-reverse-mortgages/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgages and Annuities</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgages-and-annuities/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgages-and-annuities/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 06:54:50 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Fixed Interest Rate]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[Home equity]]></category>
		<category><![CDATA[jumbo reverse mortgage]]></category>
		<category><![CDATA[licensed loan officer]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[reverse mortgages]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=623</guid>
		<description><![CDATA[While I agree that a reverse mortgage is not right for everyone, I also see evidence that only a small number of homeowners trust them or the potential opportunities they create. Not everyone uses them to pay off bills or help out a friend. I have recently had reverse mortgage clients use the proceeds of [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgages-and-annuities/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgage Appropriation Woes</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgage-appropriation-woes/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgage-appropriation-woes/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 00:23:14 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[reverse mortgage lender]]></category>
		<category><![CDATA[United States Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=616</guid>
		<description><![CDATA[By now you have probably heard of the $250 million appropriation the Obama administration requested from congress in order to justify the expected losses from the FHA reverse mortgage program in fiscal 2011. A congressional sub-committee assigned a new number recently of $100 million less based on revised annual projections and the severe downturn in [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/reverse-mortgage-appropriation-woes/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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