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	<title>Zero Closing Cost Mortgage - CapCenter Blog</title>
	<link>http://www.zeroclosingcostmortgage.com</link>
	<description></description>
	<lastBuildDate>Thu, 15 Dec 2011 12:00:16 +0000</lastBuildDate>
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		<title>Closing Costs:  Pro-Rata Interest</title>
		<description><![CDATA[These costs are typically paid for by the buyer, but can be reimbursed by the seller. Since the set day for the mortgage to be paid typically isn&#8217;t the same day that closing occurs, an adjusted payment and interest is calculated based on the date of closing and when the next payment will be due.]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-pro-rata-interest.php</link>
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		<title>Closing Costs:  Pro-Rata Homeowner&#8217;s Association Dues</title>
		<description><![CDATA[These costs can be paid by the buyer, the seller, and are only paid if the home will be part of a Homeowner&#8217;s Association. Much like pro-rata property taxes, the costs are calculated based on the portion of the year that the home will actually be owned since closing rarely happens on the day that [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-pro-rata-homeowners-association-dues.php</link>
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		<title>Closing Costs:  Pro-Rata Property Taxes</title>
		<description><![CDATA[Pro-Rata Property Taxes can be paid by the buyer, the seller, or both and reflect the fact that most houses don&#8217;t go into closing on the same day that property taxes are assessed. Because of this, taxes are calculated based on the portion of the year that the house will actually be owned.]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-pro-rata-property-taxes.php</link>
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		<title>Closing Costs &#8211; Pre-Paid Property Insurance</title>
		<description><![CDATA[The lender on the mortgage will typically require that the mortgaged property be insured throughout the life of the mortgage. This is typically paid by the buyer, but may be reimbursed by the seller. The entire first year of the insurance premium can be required by the lender, which can be added to closing costs [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-pre-paid-property-insurance.php</link>
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		<title>Closing Costs &#8211; Home Warranties</title>
		<description><![CDATA[A home warranty can be purchased by either the buyer or the seller, with the buyer deciding to add it at closing and the seller using it as part of their marketing strategy to sell the home by offering the warranty. Home warranties are purchased for resale homes to insure the major household systems against [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-home-warranties.php</link>
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		<title>New Refinance Opportunities for &#8220;Underwater&#8221; Homeowners</title>
		<description><![CDATA[Recent News about the Home Affordable Refinance Program On October 24, 2011 the Federal Housing Finance Administration, with Fannie Mae and Freddie Mac, announced changes to the Home Affordable Refinance Program (HARP) to make it easier for certain homeowners to refinance their home mortgages and take advantage of historically low interest rates currently available. Specifically, [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/new-refinance-opportunities-for-underwater-homeowners.php</link>
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		<title>Closing Costs &#8211; Inspection Fees</title>
		<description><![CDATA[An Inspection Fee is a fee paid from the buyer (though occasionally by the seller) to a licensed home, pest, or other inspector. Some lenders will require inspections for things like termites to verify the property is in good condition and to ensure that the property will retain its collateral value in order to secure [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-inspection-fees.php</link>
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		<title>Closing Costs &#8211; Appraisal Fees</title>
		<description><![CDATA[The purpose of the appraisal fee is compensation for a professional, licensed appraiser to perform an appraisal on the property to verify that the property&#8217;s fair market value is equal to or greater than the asking sale price. This fee is usually paid for by the buyer, though negotiations can end with the seller paying [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-appraisal-fees.php</link>
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		<title>Closing Costs &#8211; Points</title>
		<description><![CDATA[If you&#8217;ve ever purchased a home you&#8217;ve probably heard about points, whether you purchased them or not. For those that aren&#8217;t familiar with the practice of buying points on a mortgage, it&#8217;s money that the buyer gives to the lender as a form of up-front, pre-paid interest rate on the loan, with one point equaling [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-points.php</link>
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		<title>Closing Costs &#8211; Mortgage Application Fees</title>
		<description><![CDATA[Closing costs, when paid, can go to a lot of different people and institutions. The mortgage application fee is one that goes from the buyer to the lender to cover the costs of processing the loan application for the house. In some cases this fee can be paid directly to the lender before entering into [...]]]></description>
		<link>http://www.zeroclosingcostmortgage.com/closing-costs-mortgage-application-fees.php</link>
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