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	<title>Alliance Financial Resources</title>
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	<link>http://www.afrhomeloans.com</link>
	<description>Outstanding People - Outstanding Results</description>
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		<title>Alliance Financial Resources (AFR) Receives 2009 Best of Business Award</title>
		<link>http://www.afrhomeloans.com/alliance-financial-resources-afr-receives-2009-best-of-business-award/</link>
		<comments>http://www.afrhomeloans.com/alliance-financial-resources-afr-receives-2009-best-of-business-award/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 21:11:25 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[AFR in the News]]></category>
		<category><![CDATA[award]]></category>
		<category><![CDATA[news]]></category>

		<guid isPermaLink="false">http://www.afrhomeloans.com/alliance-financial-resources-afr-receives-2009-best-of-business-award/</guid>
		<description><![CDATA[ 
We are very pleased to announce that AFR was given the 2009 “Best of Business” award.&#160; The “Best of Business” award is given out by the Small Business Commerce Association (SBCA).
Please read the full press release below:
SAN FRANSICO, November 7, 2009, Alliance Financial Resources LLC has been selected for the 2009 Best of Business [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Waiting &#8211; Rates are Moving Up</title>
		<link>http://www.afrhomeloans.com/stop-waiting-rates-are-moving-up/</link>
		<comments>http://www.afrhomeloans.com/stop-waiting-rates-are-moving-up/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 15:23:46 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Loan Rates]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[rate]]></category>

		<guid isPermaLink="false">http://www.afrhomeloans.com/stop-waiting-rates-are-moving-up/</guid>
		<description><![CDATA[ Freddie Mac just released its rates for a 30-year home loan.&#160; Guess what?&#160; It is on the rise for the third week in a row.
What does this mean, it means that you need to stop waiting to get that new loan or refinance.
I know what you are saying, the rate is only rising a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best Home Equity Loan for You</title>
		<link>http://www.afrhomeloans.com/the-best-home-equity-loan-for-you/</link>
		<comments>http://www.afrhomeloans.com/the-best-home-equity-loan-for-you/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 16:35:13 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Home Equity Loan]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Mortgage Concepts]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.afrhomeloans.com/the-best-home-equity-loan-for-you/</guid>
		<description><![CDATA[To be able to determine the best home equity loan for you will depend on what do you need the money for and how do you want to receive the money.]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/the-best-home-equity-loan-for-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Adjustable-Rate Mortgage Payment (ARM): The Pros and Cons</title>
		<link>http://www.afrhomeloans.com/adjustable-rate-mortgage-payment-arm-the-pros-and-cons/</link>
		<comments>http://www.afrhomeloans.com/adjustable-rate-mortgage-payment-arm-the-pros-and-cons/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 01:15:52 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Adjustable Rate Mortgage (ARM)]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[arm]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/?p=10</guid>
		<description><![CDATA[ People are asking if home loans in newspaper ads showing astonishingly low rates are for real. These ads are what we call adjustable-rate mortgage payments.
Loans with an adjustable-rate mortgage payment type usually have low rates only for a short time. Rates of adjustable-rate mortgage payment are adjusted on a regular basis, usually after the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank Rate Mortgages</title>
		<link>http://www.afrhomeloans.com/bank-rate-mortgages/</link>
		<comments>http://www.afrhomeloans.com/bank-rate-mortgages/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 19:34:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Loan Rates]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[rate]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/bank-rate-mortgages/</guid>
		<description><![CDATA[ Why do bank rate mortgages vary? What makes the interest rates of these bank rate mortgages rise? What makes those of bank rate mortgages fall? These questions race through our minds whenever we are faced with a financial situation that requires us to understand a little bit more about bank rate mortgages.
The answer is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest-Only Mortgage</title>
		<link>http://www.afrhomeloans.com/interest-only-mortgage/</link>
		<comments>http://www.afrhomeloans.com/interest-only-mortgage/#comments</comments>
		<pubDate>Thu, 21 May 2009 19:48:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Interest-Only Mortgage]]></category>
		<category><![CDATA[Loan Rates]]></category>
		<category><![CDATA[interest-only]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[rate]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/interest-only-mortgage/</guid>
		<description><![CDATA[ There are only two things people should keep in mind before taking on an interest-only mortgage. The name interest-only mortgage is misleading. If truth be told, there is no such thing as an interest-only mortgage. In an interest-only mortgage, you will still have to pay for the loan principal. When you get an interest-only [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/interest-only-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fixed Rate Mortgage</title>
		<link>http://www.afrhomeloans.com/fixed-rate-mortgage/</link>
		<comments>http://www.afrhomeloans.com/fixed-rate-mortgage/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 19:42:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Fixed Rate Mortgage]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Loan Rates]]></category>
		<category><![CDATA[fixed]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[rate]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/fixed-rate-mortgage/</guid>
		<description><![CDATA[ There are several types of mortgages offered by lenders in the market. The most common of these types is fixed rate mortgages. Fixed rate mortgage loans are characterized by fixed rates and monthly payments that are generally for a 15-year and 30-year periods.
Fixed rate mortgages are popular in the consumer market because of its [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/fixed-rate-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Amortization Mortgage</title>
		<link>http://www.afrhomeloans.com/amortization-mortgage/</link>
		<comments>http://www.afrhomeloans.com/amortization-mortgage/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 20:08:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Amortization Mortgage]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Negative Amortization Mortgage]]></category>
		<category><![CDATA[amortization]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[negative amortization]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/amortization-mortgage/</guid>
		<description><![CDATA[ What is an amortization mortgage? If you’ve bought a house before, you probably have an idea what amortization mortgage is. But as far as details are concerned, amortization mortgages just escape those who don’t have a solid financial education background.
Amortization Mortgages: What the experts say
According to Philip Russel, assistant professor of finance at Philadelphia [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/amortization-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Second Mortgage Loan</title>
		<link>http://www.afrhomeloans.com/second-mortgage-loan/</link>
		<comments>http://www.afrhomeloans.com/second-mortgage-loan/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 20:39:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Second Mortgage]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[second]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/second-mortgage-loan/</guid>
		<description><![CDATA[ A second mortgage loan is a subsequent loan and subordinate to the earlier mortgage. In other words, a second mortgage loan is used as collateral pledged for the first loan.
Length of Second Mortgage Loans

Second mortgage loans have varying lengths with which they are eventually paid off. Some second mortgage loans may last for as [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/second-mortgage-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Balloon Payment Mortgage</title>
		<link>http://www.afrhomeloans.com/balloon-payment-mortgage/</link>
		<comments>http://www.afrhomeloans.com/balloon-payment-mortgage/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 20:19:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Balloon Payment Mortgage]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[balloon]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/balloon-payment-mortgage/</guid>
		<description><![CDATA[ The other term for a balloon payment mortgage is a partially amortized loan. Balloon payment mortgage is when your liability or obligation is only partially amortized, leaving the rest to be paid upon the completion of the term. Because the initial interest rates and monthly payments are lower, a balloon payment mortgage is paid [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Considering Re-Financing?</title>
		<link>http://www.afrhomeloans.com/are-you-considering-re-financing/</link>
		<comments>http://www.afrhomeloans.com/are-you-considering-re-financing/#comments</comments>
		<pubDate>Wed, 15 Oct 2008 21:05:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/are-you-considering-re-financing/</guid>
		<description><![CDATA[ Homeowners who are considering re-financing their home may have a wealth of options available to them. However, these same homeowners may find themselves feeling overwhelmed by this wealth of options. This process doesn’t have to be so difficult though. Homeowners can greatly assist themselves in the process by taking a few simple steps. First [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/are-you-considering-re-financing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Choosing a Fixed or ARM Option</title>
		<link>http://www.afrhomeloans.com/choosing-a-fixed-or-arm-option/</link>
		<comments>http://www.afrhomeloans.com/choosing-a-fixed-or-arm-option/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 21:07:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Adjustable Rate Mortgage (ARM)]]></category>
		<category><![CDATA[Fixed Rate Mortgage]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[arm]]></category>
		<category><![CDATA[fixed]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/choosing-a-fixed-or-arm-option/</guid>
		<description><![CDATA[ One of the most important decisions a homeowner will have to make when deciding to re-finance their home is whether they want to refinance with a fixed mortgage, an adjustable rate mortgage (ARM) or a hybrid loan which combines the two options. The names are pretty much self explanatory but basically a fixed rate [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/choosing-a-fixed-or-arm-option/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting the Bait on Good Home Loan Terms Despite Bad Credit Score</title>
		<link>http://www.afrhomeloans.com/getting-the-bait-on-good-home-loan-terms-despite-bad-credit-score/</link>
		<comments>http://www.afrhomeloans.com/getting-the-bait-on-good-home-loan-terms-despite-bad-credit-score/#comments</comments>
		<pubDate>Tue, 12 Aug 2008 21:15:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/getting-the-bait-on-good-home-loan-terms-despite-bad-credit-score/</guid>
		<description><![CDATA[ Getting a home loan is just like getting recognition at the end of each academic year in school. Before you are awarded of any recognition, you must comply with the requirements for such recognition. For instance, before you will be given an academic award, you must first satisfy the required general weighted average on [...]]]></description>
		<wfw:commentRss>http://www.afrhomeloans.com/getting-the-bait-on-good-home-loan-terms-despite-bad-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Amortization Schedule &amp; Payment Calculator</title>
		<link>http://www.afrhomeloans.com/amortization-schedule-payment-calculator/</link>
		<comments>http://www.afrhomeloans.com/amortization-schedule-payment-calculator/#comments</comments>
		<pubDate>Tue, 01 Jan 2008 22:08:00 +0000</pubDate>
		<dc:creator>webmaster</dc:creator>
				<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://afr.shinesmarketing.com/mortgage-calculator/</guid>
		<description><![CDATA[

 This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home&#8217;s sale price, the term of the loan desired, buyer&#8217;s down payment percentage, and the loan&#8217;s interest rate. 
This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as [...]]]></description>
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		<slash:comments>0</slash:comments>
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