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    <language>en</language>
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        <title>Exotic Loan Programs Always Fail</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/exotic-loan-programs-always-fail.html</link>
        <description>Over the last 60 years since World War II ended, a number of experimental loan programs have been attempted. These include interest-only loans, adjustable rate loans, and negative amortization loans a</description>
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    <item>
        <title>Real Estate Speculators Usually Fail</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/real-estate-speculators-usually-fail.html</link>
        <description>Despite the huge price spike in the final two years of the Great Housing Bubble caused by wild speculation, most speculators will lose a great deal of money. They will buy when prices are high, and th</description>
    </item>
    <item>
        <title>Get free prints paper sizes - 4XD 5XD and more</title>
        <link>http://ahomemortgageguide.comget-free-prints-paper-sizes-4xd-5xd-and-more.html</link>
        <description>In the film days photo paper sizes were designed to fit the aspect ratio of the film negative frames. Digital camera sensors use different aspect ratios and as such when printing digital photos on tra</description>
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        <title>Adjustable Rate Mortgage Payment Recast - What is It?</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/adjustable-rate-mortgage-payment-recast-what-is-it.html</link>
        <description>Interest-only and negative amortization payments cannot go on forever. At some point, the loan balance must be paid in full. For all adjustable rate mortgages, there is a mandatory recast after a fixe</description>
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        <title>Bring Back Paternalism in the Mortgage Market</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/bring-back-paternalism-in-the-mortgage-market.html</link>
        <description>I do not like government paternalism. When Ronald Reagan came to power and began our 25 year experiment with government deregulation, I thought it was a good idea. It used to really annoy me when I wo</description>
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        <title>Real Estate Bubble Fallacies - Can You Identify Them?</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/real-estate-bubble-fallacies-can-you-identify-them.html</link>
        <description>There are a number of fallacies about residential real estate that either affirm the belief in perpetually rising prices or minimize the fears of a price decline. These fallacies generally revolve aro</description>
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        <title>Subprime Containment Theory Was a Lie</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/subprime-containment-theory-was-a-lie.html</link>
        <description>Conventional wisdom (or market spin) was that the risk of default from subprime would not spill over into Alt-A and Prime loans. This argument was made because these two categories have historically h</description>
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        <title>Lose Your Money or Learn to Identify Asset Bubbles</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/lose-your-money-or-learn-to-identify-asset-bubbles.html</link>
        <description>Many people did not see the NASDAQ tech-stock bubble. Many people did not see the Great Housing Bubble either. Those who participated in either financial mania lost a great deal of money. People need </description>
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    <item>
        <title>Interest Rate Resets on an Adjustable Rate Mortgages Are a Problem</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/interest-rate-resets-on-an-adjustable-rate-mortgages-are-a-problem.html</link>
        <description>Many people took out adjustable rate mortgages during the Great Housing Bubble. After 25 years of steadily declining interest rates, people forgot about, or never knew about the risk of rising interes</description>
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        <title>Real Estate Investment versus Real Estate Speculation - What is the Difference?</title>
        <link>http://ahomemortgageguide.com/mortgage-basics/real-estate-investment-versus-real-estate-speculation-what-is-the-difference.html</link>
        <description>Owner-occupied residential real estate is viewed by many people as a good investment. Realtors often use this idea as part of their sales pitch. This view is fallacious and it is one of the beliefs re</description>
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