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	<title>Donnas Mortgages Blog</title>
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	<link>http://www.donnasmortgages.com/Blog</link>
	<description>Residential and Commercial Mortgage Agent</description>
	<lastBuildDate>Wed, 16 May 2012 16:19:41 +0000</lastBuildDate>
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		<title>Proposed Changes by the Office of the Superintendent of Financial Institutions</title>
		<link>http://www.donnasmortgages.com/Blog/2012/05/proposed-changes-by-the-office-of-the-superintendent-of-financial-institutions/</link>
		<comments>http://www.donnasmortgages.com/Blog/2012/05/proposed-changes-by-the-office-of-the-superintendent-of-financial-institutions/#comments</comments>
		<pubDate>Wed, 16 May 2012 16:19:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=108</guid>
		<description><![CDATA[The Office of the Superintendent of Financial Institutions (OSFI) has suggested some changes to the mortgage regulations, most of which are very scary.  In a nutshell here they are: Cash back mortgages could disappear HELOCs would have to be amortized, no more interest only payments.  Then this wouldn&#8217;t actually be a HELOC anymore but a [...]]]></description>
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		<title>Bank of Canada-Raising Rates because of Consumer Debt?</title>
		<link>http://www.donnasmortgages.com/Blog/2012/05/bank-of-canada-raising-rates-because-of-consumer-debt/</link>
		<comments>http://www.donnasmortgages.com/Blog/2012/05/bank-of-canada-raising-rates-because-of-consumer-debt/#comments</comments>
		<pubDate>Thu, 10 May 2012 18:36:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[bank of canada]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[genworth financial]]></category>
		<category><![CDATA[low rate mortgage]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[subprime mortgage]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=103</guid>
		<description><![CDATA[If the Bank of Canada wants to raise rates to keep consumer debt levels low, well, they don&#8217;t have to. According to Genworth Financial, a privately owned mortgage default insurance company, the consumer applications that they&#8217;ve been receiving are indicating that Canadian home owners (or would-be home owners) are paying off their debt. And a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Zero Down Payment Mortgages Still Available</title>
		<link>http://www.donnasmortgages.com/Blog/2011/10/zero-down-payment-mortgages-still-available/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/10/zero-down-payment-mortgages-still-available/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 14:49:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[0 down payment]]></category>
		<category><![CDATA[bank of canada interest rates]]></category>
		<category><![CDATA[burlington mortgage broker]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage purchase]]></category>
		<category><![CDATA[no money down]]></category>
		<category><![CDATA[no money down mortgage]]></category>
		<category><![CDATA[purchase financing]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[rental property financing]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[RSPs for down payment]]></category>
		<category><![CDATA[toronto mortgage broker]]></category>
		<category><![CDATA[using RSPs to buy a home]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=104</guid>
		<description><![CDATA[If you&#8217;ve been trying to save for a down payment to purchase a home but find that it&#8217;s just not happening, you may be eligible for 100% financing.  There are still a few financial institutions that will include the 5% cash back in your mortgage.  And with rates so low today, this is a lot [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FREE Online Home Valuation Tool</title>
		<link>http://www.donnasmortgages.com/Blog/2011/10/free-online-home-valuation-tool/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/10/free-online-home-valuation-tool/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 20:10:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[0 down payment]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[bad credit mortgage broker]]></category>
		<category><![CDATA[bad credit refinance]]></category>
		<category><![CDATA[bank of canada interest rates]]></category>
		<category><![CDATA[bank of canada rate]]></category>
		<category><![CDATA[burlington mortgage broker]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fixed mortgage rates]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home renovations]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[invesment property purchase]]></category>
		<category><![CDATA[investment properties]]></category>
		<category><![CDATA[mls]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[power of sale]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[rental properties]]></category>
		<category><![CDATA[rental property financing]]></category>
		<category><![CDATA[rental property purchase]]></category>
		<category><![CDATA[reverse mortgages]]></category>
		<category><![CDATA[RSPs for down payment]]></category>
		<category><![CDATA[Save Money]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[toronto mortgage broker]]></category>
		<category><![CDATA[using RSPs to buy a home]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=101</guid>
		<description><![CDATA[Thanks to increased technology, home owners or would-be home owners, can now get an idea of their home value.  Zoocasa offers a free online service call Zoopraisal.  You enter the address of the property you&#8217;re interested in, plus a few other details such as square footage, and voila! it gives you an approximate value. This [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Get Top Dollar for Your Home</title>
		<link>http://www.donnasmortgages.com/Blog/2011/09/how-to-get-top-dollar-for-your-home/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/09/how-to-get-top-dollar-for-your-home/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 21:13:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[bad credit home loans]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[buying a home in ontario]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure definition]]></category>
		<category><![CDATA[gta power of sales]]></category>
		<category><![CDATA[gta power or sale]]></category>
		<category><![CDATA[loan with bad credit]]></category>
		<category><![CDATA[mls]]></category>
		<category><![CDATA[mls ontario]]></category>
		<category><![CDATA[mortgage foreclosure]]></category>
		<category><![CDATA[mortgage real estate]]></category>
		<category><![CDATA[power of sale in ontario]]></category>
		<category><![CDATA[power of sales in ontario]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=98</guid>
		<description><![CDATA[If you&#8217;re planning on selling your home soon, or already have it on the market, here are some very important points to consider in order to bring in the highest possible asking price: 1.What is the general &#8220;condition&#8221; of the house?  Most people have a hard time seeing past what&#8217;s actually there.  If you have [...]]]></description>
		<wfw:commentRss>http://www.donnasmortgages.com/Blog/2011/09/how-to-get-top-dollar-for-your-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rental Property Financing Woes?</title>
		<link>http://www.donnasmortgages.com/Blog/2011/09/rental-property-financing-woes/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/09/rental-property-financing-woes/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 19:22:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[bad credit mortgage broker]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[financing multi residential]]></category>
		<category><![CDATA[financing student rentals]]></category>
		<category><![CDATA[hard money lenders]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[invesment property purchase]]></category>
		<category><![CDATA[investment properties]]></category>
		<category><![CDATA[investment property financing]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage purchase]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[multi residential properties]]></category>
		<category><![CDATA[multi units]]></category>
		<category><![CDATA[multiple rental properties]]></category>
		<category><![CDATA[private financing for rental properties]]></category>
		<category><![CDATA[refinacing rental properties]]></category>
		<category><![CDATA[rental properties]]></category>
		<category><![CDATA[rental property financing]]></category>
		<category><![CDATA[rental property purchase]]></category>
		<category><![CDATA[student rentals]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=95</guid>
		<description><![CDATA[Are you in investor with several rental properties and are being turned down for financing because your bank says you have &#8220;too many&#8221;?  If this sounds like you then you&#8217;ve come to the right place.  We deal with lenders who have no maximum on the number of rental properties that a borrower can own. In [...]]]></description>
		<wfw:commentRss>http://www.donnasmortgages.com/Blog/2011/09/rental-property-financing-woes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank of Canada Leaves Rate Alone</title>
		<link>http://www.donnasmortgages.com/Blog/2011/09/bank-of-canada-leaves-rate-alone-2/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/09/bank-of-canada-leaves-rate-alone-2/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 19:11:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[0 down payment]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[bad credit mortgage broker]]></category>
		<category><![CDATA[bad credit refinance]]></category>
		<category><![CDATA[bank of canada interest rates]]></category>
		<category><![CDATA[bank of canada rate]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fixed mortgage rates]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[no money down mortgage]]></category>
		<category><![CDATA[power of sale]]></category>
		<category><![CDATA[prime rate]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[toronto mortgage broker]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=93</guid>
		<description><![CDATA[The Bank of Canada met this week and left the bench mark interest rate unchanged at 1%. Mark Carney has suggested the rate will remain unchanged for some time to come as the outlook for the global economy remains somewhat bleak. Although Canada’s economy appears to be growing again, Carney said exports will be a [...]]]></description>
		<wfw:commentRss>http://www.donnasmortgages.com/Blog/2011/09/bank-of-canada-leaves-rate-alone-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Low Interest Rates for Some Time to Come?</title>
		<link>http://www.donnasmortgages.com/Blog/2011/07/low-interest-rates-for-some-time-to-come/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/07/low-interest-rates-for-some-time-to-come/#comments</comments>
		<pubDate>Thu, 21 Jul 2011 17:25:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[0 down payment]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[bad credit refinance]]></category>
		<category><![CDATA[bank of canada]]></category>
		<category><![CDATA[bank of canada interest rates]]></category>
		<category><![CDATA[bank of canada prime rate]]></category>
		<category><![CDATA[bank of canada rate]]></category>
		<category><![CDATA[bank takeover]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[fixed mortgage rates]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[prime rate]]></category>
		<category><![CDATA[toronto mortgage broker]]></category>
		<category><![CDATA[using RSPs to buy a home]]></category>
		<category><![CDATA[variable rate]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=91</guid>
		<description><![CDATA[Here is a very encouraging excerpt from a Reuters newsclip regarding the Bank of Canada’s position on interest rates: &#160; OTTAWA (Reuters) &#8211; A day after raising expectations it would increase interest rates soon, the Bank of Canada said it might keep rates below their normal long-run levels even after the Canadian economy is back [...]]]></description>
		<wfw:commentRss>http://www.donnasmortgages.com/Blog/2011/07/low-interest-rates-for-some-time-to-come/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Prime Rate Remains Unchanged</title>
		<link>http://www.donnasmortgages.com/Blog/2011/07/prime-rate-remains-unchanged/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/07/prime-rate-remains-unchanged/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 18:34:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[0 down payment]]></category>
		<category><![CDATA[bad credit mortgage]]></category>
		<category><![CDATA[bad credit mortgage broker]]></category>
		<category><![CDATA[bank of canada rate]]></category>
		<category><![CDATA[bank prime]]></category>
		<category><![CDATA[bank prime rate]]></category>
		<category><![CDATA[cmhc]]></category>
		<category><![CDATA[fixed mortgage rates]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[investment properties]]></category>
		<category><![CDATA[mortgage prime rate]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[prime lending rate canada]]></category>
		<category><![CDATA[prime rate]]></category>
		<category><![CDATA[prime rate canada]]></category>
		<category><![CDATA[variable rate]]></category>
		<category><![CDATA[variable rate mortgage]]></category>
		<category><![CDATA[zero down payment]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=87</guid>
		<description><![CDATA[The Bank of Canada left the prime rate alone today.  This is great news for those consumers with debt.  The next meeting date is Sept 7/11. Fixed rates have dropped recently after a brief increase.  Let&#8217;s just hope the U.S gets their debt scenario sorted out soon, as this could have a definite impact on [...]]]></description>
		<wfw:commentRss>http://www.donnasmortgages.com/Blog/2011/07/prime-rate-remains-unchanged/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>House Hunting Mistakes to Avoid</title>
		<link>http://www.donnasmortgages.com/Blog/2011/06/house-hunting-mistakes-to-avoid/</link>
		<comments>http://www.donnasmortgages.com/Blog/2011/06/house-hunting-mistakes-to-avoid/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 16:17:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[mortgage pre-approval]]></category>
		<category><![CDATA[pre-approved for a mortgage]]></category>
		<category><![CDATA[purchasing a home]]></category>
		<category><![CDATA[selling a home]]></category>

		<guid isPermaLink="false">http://www.donnasmortgages.com/Blog/?p=83</guid>
		<description><![CDATA[Buying  a new home is a very exciting &#38; emotional process.  But if you let your emotions get the better of you &#38; cloud your judgement, you could be in for trouble.  Keep these things in mind when house hunting: &#160; 1.  Don&#8217;t fall in love with a home that you can&#8217;t afford. When you&#8217;re [...]]]></description>
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		<slash:comments>0</slash:comments>
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