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	<title>cindymoynihan.com</title>
	<link>http://cindymoynihan.com/blog</link>
	<description>Mortgages with a Personal Touch</description>
	<lastBuildDate>Tue, 13 Jul 2010 15:15:44 +0000</lastBuildDate>
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	<item>
		<title>Summer Fun &#8211; Go North!</title>
		<description><![CDATA[Summer is clicking away.  There&#8217;s still plenty of time to have fun in Minnesota this summer. 
Looking for some ideas? Here&#8217;s a few things to do up North!
~ Tall Ships Festival in Duluth &#8211; Eight tall ships, replicas of old schooners and other sailing vessels, sail into the port of Duluth July 29-August 2nd. 
~ Split Rock [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=437</link>
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		<title>Out-of-the-Box Ideas (money for a down payment)</title>
		<description><![CDATA[Whether you are trying to buy a home or refinance your current home &#8211; sometimes thinking outside-of-the-box will help you achieve your goals
You&#8217;d like to buy a home and take advantage of today&#8217;s low rates, but you do not have enough money saved for the down payment.  What can you do?
1. Ask a parent or [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=431</link>
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	<item>
		<title>Home Improvement Loans&#8212;ask your City</title>
		<description><![CDATA[As the housing crisis looms, home owners are finding it more difficult to pull equity out of their homes to complete normal home improvements like getting their roof repaired, replacing old windows or purchasing a new furnace.  Shoreview, Minnesota is offering up to $20,000 for residents seeking to complete  energy improvements.  If residents remain in [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=427</link>
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		<title>Low Rates? not today</title>
		<description><![CDATA[The past few days we&#8217;ve seen the return of low interest rates.  Why?  The troubled Eurpean financial market provided a flight to safety (discussed a few days ago on this blog) -this flux increased investing in US Treasury Bonds which lowered interest rates, temporarily. 
China is stepping in to rescue Europe &#8211; providing a stabilization to the market and a decreased need [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=423</link>
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		<title>Rates Dropped! (should you refinance?)</title>
		<description><![CDATA[Great question! It used to be a simple answer&#8230;&#8221;if you are dropping your interest rate by 1.5 &#8211; 2.0% it makes sense,&#8221; (that&#8217;s when most people only owed $125,000 or less on their mortgages).  Now the equation is more interesting.
When someone asks me if they should refinance we compare the current rate to the new [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=418</link>
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		<title>Flight to Safety</title>
		<description><![CDATA[Recent news about European bank failures creates the need to put funds where it is deemed safe, also called a &#8220;Flight to Safety&#8221; and the US bond market is just the place to go.  This week a major bank in Spain failed and when something of this magnitude happens the bond market improves and mortgage [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=413</link>
			</item>
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		<title>Violated!</title>
		<description><![CDATA[Last summer someone broke into our car.  Not a big deal, but we&#8217;d left a copy of our bank statement in the car (not smart!) and the bank statement was taken.  Suddenly our identity was at risk.
If you&#8217;ve been a victim of identity theft here&#8217;s a few tips of what you need to do immediately [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=409</link>
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		<title>Prom and Mortgage Rates?</title>
		<description><![CDATA[What does prom have to do with mortgage rates? 
Nothing! But this is prom week in our house and I feel a need to chat about it; dress alterations, up-do, manicure, pedicure, massage, flowers, make-up.  It&#8217;s a little excessive, yet I&#8217;m right with my daughter scheduling appointments and going along with all the fun, or madness.  Why? [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=405</link>
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		<title>What does Greece have to do with it?</title>
		<description><![CDATA[Thank you Greece.  Thank you for your economic woes and inner Government turmoil.  Yes, you are all the way across the world but your troubles have investors thinking our market it better than yours &#8211; and the short story is our mortgage rates improved because of your debacle.
If you are thinking of refinancing or writing [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=402</link>
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		<title>Watch Out! How to Detect a Mortgage Scam</title>
		<description><![CDATA[A letter arrives in the mail addressed to you at your current address.  Your current lender&#8217;s name is also shown on the inside letter and an important seal of authenticity.  Facts about your mortgage are listed, the date of your last mortgage, the original loan amount and the interest rate.  A few additional calculations are [...]]]></description>
		<link>http://cindymoynihan.com/blog/?p=397</link>
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