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	<title>Andrew Wright&#039;s Mortgage Blog</title>
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	<description>Tips, News and Food for Thought</description>
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		<title>Andrew Wright&#039;s Mortgage Blog</title>
		<link>http://wrightmortgage.wordpress.com</link>
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		<title>Appraisals</title>
		<link>http://wrightmortgage.wordpress.com/2010/11/15/appraisals/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/11/15/appraisals/#comments</comments>
		<pubDate>Mon, 15 Nov 2010 20:06:38 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Andrew Wright]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[Appraiser]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[best interest]]></category>
		<category><![CDATA[breaking mortgage]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[low rates]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Real estate appraisal]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Vancouver mortgage]]></category>
		<category><![CDATA[Vancouver real estate]]></category>
		<category><![CDATA[Wright Mortgage]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=392</guid>
		<description><![CDATA[Determining the market value of your home is an important piece of the mortgage financing puzzle. First of all, appraisals are different from inspections. Inspections are a quality check; they look for defects and damage in a property. Appraisals determine &#8230; <a href="http://wrightmortgage.wordpress.com/2010/11/15/appraisals/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=392&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Insurance &#8211; why, how and when</title>
		<link>http://wrightmortgage.wordpress.com/2010/11/04/insurance-why-how-and-when/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/11/04/insurance-why-how-and-when/#comments</comments>
		<pubDate>Thu, 04 Nov 2010 17:16:46 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Andrew Wright]]></category>
		<category><![CDATA[critical illness]]></category>
		<category><![CDATA[disability]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[Vancouver mortgage]]></category>
		<category><![CDATA[vancouver mortgage broker]]></category>
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		<guid isPermaLink="false">http://wrightmortgage.ca/?p=376</guid>
		<description><![CDATA[There are tons of different kinds of insurance out there, but today I&#8217;m going to talk about some of the personal coverage you should definitely consider having if you&#8217;re currently a home owner or a soon-to-be home owner. I&#8217;m not &#8230; <a href="http://wrightmortgage.wordpress.com/2010/11/04/insurance-why-how-and-when/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=376&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Amorti-who??</title>
		<link>http://wrightmortgage.wordpress.com/2010/10/28/amorti-who/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/10/28/amorti-who/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 22:35:27 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[amortization]]></category>
		<category><![CDATA[Andrew Wright]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[CMHC]]></category>
		<category><![CDATA[extended amortization]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgage Vancouver]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[pre-payments]]></category>
		<category><![CDATA[TMG]]></category>
		<category><![CDATA[Vancouver real estate]]></category>
		<category><![CDATA[variable rate]]></category>
		<category><![CDATA[Wright Mortgage]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=368</guid>
		<description><![CDATA[When you get a mortgage, one of the decisions you will need to make is how long of an amortization period to select. The amortization is the total length of the loan expressed in years. This period of time is &#8230; <a href="http://wrightmortgage.wordpress.com/2010/10/28/amorti-who/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=368&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Building your lending relationships</title>
		<link>http://wrightmortgage.wordpress.com/2010/10/18/building-your-lending-relationships/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/10/18/building-your-lending-relationships/#comments</comments>
		<pubDate>Mon, 18 Oct 2010 21:47:05 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Andrew Wright]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[best interest]]></category>
		<category><![CDATA[bond yields]]></category>
		<category><![CDATA[breaking mortgage]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[interest penalty]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=357</guid>
		<description><![CDATA[Something I love about this job that I love is the part where I get to put on my consumer advocacy hat. Last week I had a mortgage client that made an interesting decision. Rather than going with a mortgage &#8230; <a href="http://wrightmortgage.wordpress.com/2010/10/18/building-your-lending-relationships/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=357&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>TD Bank makes a move to keep more mortgage clients</title>
		<link>http://wrightmortgage.wordpress.com/2010/10/13/td-bank-makes-a-move-to-keep-more-mortgage-clients/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/10/13/td-bank-makes-a-move-to-keep-more-mortgage-clients/#comments</comments>
		<pubDate>Wed, 13 Oct 2010 21:52:44 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Andrew Wright]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[best interest]]></category>
		<category><![CDATA[bond yields]]></category>
		<category><![CDATA[breaking mortgage]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[interest penalty]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=353</guid>
		<description><![CDATA[It has been recently announced that as of October 18th, 2010, TD Bank will being registering mortgages as a collateral charge rather than a standard mortgage charge. TD will also begin allowing clients to register this charge at 125% the &#8230; <a href="http://wrightmortgage.wordpress.com/2010/10/13/td-bank-makes-a-move-to-keep-more-mortgage-clients/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=353&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Refinancing: How it works</title>
		<link>http://wrightmortgage.wordpress.com/2010/10/04/refinancing-how-it-works/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/10/04/refinancing-how-it-works/#comments</comments>
		<pubDate>Mon, 04 Oct 2010 22:14:39 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[best interest]]></category>
		<category><![CDATA[breaking mortgage]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[consolidate debt]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[interest penalty]]></category>
		<category><![CDATA[IRD]]></category>
		<category><![CDATA[mortgage Vancouver]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[TMG]]></category>
		<category><![CDATA[Vancouver mortgage]]></category>
		<category><![CDATA[Vancouver real estate]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=347</guid>
		<description><![CDATA[Refinancing is the act of getting out of one mortgage and into another mortgage. It normally involves paying a penalty to the lender if the mortgage term is being broken before it&#8217;s expiry date.  So why would someone want to &#8230; <a href="http://wrightmortgage.wordpress.com/2010/10/04/refinancing-how-it-works/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=347&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Need more money for your down payment?</title>
		<link>http://wrightmortgage.wordpress.com/2010/09/27/need-more-money-for-your-down-payment/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/09/27/need-more-money-for-your-down-payment/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 20:08:10 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[best interest]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[mortgage advice]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Vancouver]]></category>
		<category><![CDATA[Vancouver real estate]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=342</guid>
		<description><![CDATA[As a first-time buyer, one of the hardest things to do is save for a down payment. The minimum amount that you need is 5% of the total price. For a condo in Vancouver priced at around $350,000,  that means &#8230; <a href="http://wrightmortgage.wordpress.com/2010/09/27/need-more-money-for-your-down-payment/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=342&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Is the lowest rate the only thing to think about?</title>
		<link>http://wrightmortgage.wordpress.com/2010/05/26/is-the-lowest-rate-the-only-thing-to-think-about/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/05/26/is-the-lowest-rate-the-only-thing-to-think-about/#comments</comments>
		<pubDate>Wed, 26 May 2010 19:12:51 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=336</guid>
		<description><![CDATA[Quite honestly&#8230;&#8230;..no. In many cases, your personal situation will dictate what lenders you have the option of going with. What&#8217;s your situation? Here&#8217;s a list of 10 questions to ask yourself: 1) Is my beacon score high enough? (Don&#8217;t know? &#8230; <a href="http://wrightmortgage.wordpress.com/2010/05/26/is-the-lowest-rate-the-only-thing-to-think-about/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=336&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>An example of the new mortgage rules in action</title>
		<link>http://wrightmortgage.wordpress.com/2010/05/06/an-example-of-the-new-mortgage-rules-in-action/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/05/06/an-example-of-the-new-mortgage-rules-in-action/#comments</comments>
		<pubDate>Thu, 06 May 2010 19:59:09 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=332</guid>
		<description><![CDATA[If you wanted a variable rate mortgage today, you would be qualified on a rate of 6.25%. (this is the case for high-ratio mortgages, meaning less than 20% for a down payment, although some lenders are extending this rule to &#8230; <a href="http://wrightmortgage.wordpress.com/2010/05/06/an-example-of-the-new-mortgage-rules-in-action/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=332&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Amy and Andy&#8217;s First Time Home Buyer&#8217;s Workshop</title>
		<link>http://wrightmortgage.wordpress.com/2010/04/21/amy-and-andys-first-time-home-buyers-workshop/</link>
		<comments>http://wrightmortgage.wordpress.com/2010/04/21/amy-and-andys-first-time-home-buyers-workshop/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 19:09:20 +0000</pubDate>
		<dc:creator>wrightmortgage</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[home buyer's seminar]]></category>
		<category><![CDATA[mortgage broker Vancouver]]></category>

		<guid isPermaLink="false">http://wrightmortgage.ca/?p=321</guid>
		<description><![CDATA[Interested in buying a home or finding out more about the home buying process? On April 22nd, join industry professionals Amy Rozier and Andrew Wright for an informative overview of what to expect when purchasing real estate. You&#8217;ll learn tips, &#8230; <a href="http://wrightmortgage.wordpress.com/2010/04/21/amy-and-andys-first-time-home-buyers-workshop/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wrightmortgage.wordpress.com&amp;blog=6151559&amp;post=321&amp;subd=wrightmortgage&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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