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	<title>Reverse Mortgage Concepts &#187; Reverse Mortgage</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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		<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>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>
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		<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>
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		<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>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Take Charge America Now Offering Reverse Mortgage Counseling</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/take-charge-america-reverse-mortgage-counseling/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/take-charge-america-reverse-mortgage-counseling/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 01:48:11 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[HECM]]></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=604</guid>
		<description><![CDATA[Take Charge America, headquartered in Phoenix, Arizona recently began offering reverse mortgage counseling nationwide. Take Charge says they have two reverse mortgage counselors who have been approved by the US department of Housing and Urban Development (HUD) to provide reverse mortgage counseling. For a limited time, they will be providing reverse mortgage counseling free of [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/take-charge-america-reverse-mortgage-counseling/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Michael Manfredi Approved Loan Officer NMLS#150754</title>
		<link>http://www.reversemortgageconcepts.com/2010/07/michael-manfredi-approved-loan-officer-nmls150754/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/07/michael-manfredi-approved-loan-officer-nmls150754/#comments</comments>
		<pubDate>Sat, 03 Jul 2010 06:45:45 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[licensed loan officer]]></category>
		<category><![CDATA[Loan Officer]]></category>
		<category><![CDATA[loan officers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage broker]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=524</guid>
		<description><![CDATA[This article is about the country&#8217;s lawmakers&#8217; decision to police-up the mortgage industry by requiring loan officers to be licensed and registered nationwide; a law that most states, including Arizona have also adopted. While I have always been a proponent of loan officer (LO) licensing I did not expect to be forced to get one [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/07/michael-manfredi-approved-loan-officer-nmls150754/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgage Phoenix</title>
		<link>http://www.reversemortgageconcepts.com/2010/04/reverse-mortgage-phoenix/</link>
		<comments>http://www.reversemortgageconcepts.com/2010/04/reverse-mortgage-phoenix/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 16:48:14 +0000</pubDate>
		<dc:creator>Michael Manfredi</dc:creator>
				<category><![CDATA[Arizona Reverse Mortgage]]></category>
		<category><![CDATA[Phoenix Reverse Mortgage]]></category>
		<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Phoenix Arizona]]></category>

		<guid isPermaLink="false">http://www.reversemortgageconcepts.com/?p=434</guid>
		<description><![CDATA[I am a Reverse Mortgage Specialist in Phoenix Arizona with ten years experience. The most common problem home owners face when doing a reverse mortgage in Phoenix is getting a fair appraised value for their home. In addition, if repairs or violations exists, the home owner can be faced with less money to access at [...]]]></description>
		<wfw:commentRss>http://www.reversemortgageconcepts.com/2010/04/reverse-mortgage-phoenix/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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