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	<channel>
		<title>Site Map | Amerifirst Home Mortgage Portage, Michigan</title>
		<link>http://www.scotthudspeth.com/rss.xml</link>
		<description>Scott Hudspeth from Amerifirst Home Mortgage</description>
		<language>en-us</language>
		<copyright>Copyright (c) 2010 Amerifirst Home Mortgage All Rights Reserved.</copyright>
		<lastBuildDate>Thu,  9 Sep 2010 09:54:11 -0400</lastBuildDate>
		<ttl>5</ttl>
		<item>
			<title><![CDATA[ A Few Fast and Simple Moves Each Month Can Bring Peace of Mind -- and Help Boost Your Home's Value ]]></title>
			<link>http://www.scotthudspeth.com/boostreq.htm</link>
			<guid>http://www.scotthudspeth.com/boostreq.htm</guid>
			<pubDate>Sun, 11 Jun 2006 15:51:45 -0400</pubDate>
			<description><![CDATA[ A Few Fast and Simple Moves Each Month Can Bring Peace of Mind -- and Help Boost Your Home's Value
NEW YORK (MONEY Magazine) - Termites. water leaks. fire hazards. They're all out to turn your biggest asset into a money pit. But home upkeep needn't ... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ The 12 Most Common Mistakes New Home Buyers Make ]]></title>
			<link>http://www.scotthudspeth.com/mostcommonmistakes.htm</link>
			<guid>http://www.scotthudspeth.com/mostcommonmistakes.htm</guid>
			<pubDate>Sun, 11 Jun 2006 15:44:00 -0400</pubDate>
			<description><![CDATA[ The 12 Most Common Mistakes New Home Buyers Makeand How to Avoid Them
&quot;Its much easier to cross a mine field when you know where the mines are. By knowing the common mistakes that most people make when buying a home you can save yourself time, ... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ What Others Say ]]></title>
			<link>http://www.scotthudspeth.com/client-comments.htm</link>
			<guid>http://www.scotthudspeth.com/client-comments.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:16 -0400</pubDate>
			<description><![CDATA[ What Others Say About Us

		Awesome Job Scott, when you told me I could buy an investment Property and finance 100% I didn't believe you and then we closed 2 at the same time.  This program is so awesome,  Thanks, you have my business.Mike
	



		Th... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ The Top Mortgage Questions You Must Ask Before Applying For A Mortgage ]]></title>
			<link>http://www.scotthudspeth.com/mortgage-faq.htm</link>
			<guid>http://www.scotthudspeth.com/mortgage-faq.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ The Top Mortgage Questions You Must Ask Before Applying For A Mortgage
Dear ,
The following report answers the top mortgage questions you must ask before you apply for a mortgage.
You may want to print this report for future reference.
PART I. GE... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Money & Time Saving Tips For A Successful Move ]]></title>
			<link>http://www.scotthudspeth.com/moving-tips.htm</link>
			<guid>http://www.scotthudspeth.com/moving-tips.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ Money &amp;amp; Time Saving Tips For A Successful Move
Dear ,
This brochure has been developed by the U.S. Department of Transportation (USDOT), Federal Motor Carrier Safety Administration (FMCSA) to assist you in a successful move across state lin... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ 7 Things You Should NOT Do When Applying For A Home Loan ]]></title>
			<link>http://www.scotthudspeth.com/seven-things.htm</link>
			<guid>http://www.scotthudspeth.com/seven-things.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ 7 Things You Should NOT Do When Applying For A Home Loan
Dear ,
This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the l... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know ]]></title>
			<link>http://www.scotthudspeth.com/lower-insurance.htm</link>
			<guid>http://www.scotthudspeth.com/lower-insurance.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know
Dear ,
The following are 12 valuable&amp;nbsp;secrets to help you lower your homeowners insurance cost.
1. Shop AroundIt'll take some time, but could save yo... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ How To Finally Stop Renting And Own A Home Of Your Own ]]></title>
			<link>http://www.scotthudspeth.com/stop-renting.htm</link>
			<guid>http://www.scotthudspeth.com/stop-renting.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ How To Finally Stop Renting And Own A Home Of Your Own
Dear ,
This free report will show you the tax benefits of owning your own home as well as:

How to get pre-approved and find the right program to suit your needs.
The end of this report will... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Checklist Of Items Lenders Need To Approve Your Loan Application ]]></title>
			<link>http://www.scotthudspeth.com/mortgage-checklist.htm</link>
			<guid>http://www.scotthudspeth.com/mortgage-checklist.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ Checklist Of Items Lenders Need To Approve Your Loan Application
Dear ,
The following list of items has been compiled for your convenience.&amp;nbsp;You will need to bring this information to&amp;nbsp;your mortgage application in order to expedite ... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Tested and Proven Strategies For Building A Better Credit Record Faster and Easier ]]></title>
			<link>http://www.scotthudspeth.com/better-credit-record.htm</link>
			<guid>http://www.scotthudspeth.com/better-credit-record.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ Tested and Proven Strategies For Building A Better Credit Record Faster and Easier
Dear ,
Newspapers, radio, TV and the Internet are filled with advertisements that offer-for a fee-to erase accurate negative information in your credit file. The sca... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Yes You Can Get FREE Money To Buy A Home With Grant Programs ]]></title>
			<link>http://www.scotthudspeth.com/grant-programs.htm</link>
			<guid>http://www.scotthudspeth.com/grant-programs.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ Yes You Can Get FREE Money To Buy A Home With Grant Programs
Dear ,
A lack of adequate cash for a down payment and/or closing costs doesn't mean that you absolutely can't buy a home of your own. Even if you don't qualify for a no-down-payment VA-gu... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit ]]></title>
			<link>http://www.scotthudspeth.com/own-a-home.htm</link>
			<guid>http://www.scotthudspeth.com/own-a-home.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:23 -0400</pubDate>
			<description><![CDATA[ How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit
Dear ,
The enclosed special report will show you how you can own a home with VERY LITTLE MONEY DOWN and get LOW INTEREST RATES even if you have had a bankru... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Special Report Exposes All Of The Terms And Fees That Are Charged To Buyers At Settlement ]]></title>
			<link>http://www.scotthudspeth.com/closing-cost.htm</link>
			<guid>http://www.scotthudspeth.com/closing-cost.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:22 -0400</pubDate>
			<description><![CDATA[ Special Report Exposes All Of The Terms And Fees That Are Charged To Buyers At Settlement
Dear ,
All lenders and brokers are required to provide you with a Good Faith Estimate detailing the services you may be required to get and pay for in connect... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Important Terms You Must Know BEFORE Obtaining A Mortgage ]]></title>
			<link>http://www.scotthudspeth.com/mortgage-terms.htm</link>
			<guid>http://www.scotthudspeth.com/mortgage-terms.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:22 -0400</pubDate>
			<description><![CDATA[ Important Terms You Must Know BEFORE Obtaining A Mortgage
Dear ,
The following is a comprehensive list of mortgage terms that may be used during&amp;nbsp;the loan process.&amp;nbsp;By familiarizing yourself with these terms, you will be able to&amp... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Little Known Secrets Will Show You How To Improve Your Credit Score ]]></title>
			<link>http://www.scotthudspeth.com/improve-credit-score.htm</link>
			<guid>http://www.scotthudspeth.com/improve-credit-score.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:22 -0400</pubDate>
			<description><![CDATA[ Little Known Secrets Will Show You How To Improve Your Credit Score!
Dear ,
The following report contains many questions about credit scores and the answers not only educate you on the basics of credit scores but also show you how to improve your s... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Monthly Mortgage Payment Calculator ]]></title>
			<link>http://www.scotthudspeth.com/monthly-payment-calculator.htm</link>
			<guid>http://www.scotthudspeth.com/monthly-payment-calculator.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:41:14 -0400</pubDate>
			<description><![CDATA[ 	<form method="POST" id="CalcForm">
		<input type="hidden" name="calc_id" value="1" />
		<h2>How Much Will My Payments Be?</h2>
		<p>
			Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
		</p>
		<div class="table-caption inputinfo">Input Information</div>
		<table class="calc" cellspacing="0">
			<tr>
				<td class="chapter" colspan="2">Loan Information</td>
			</tr>
			<tr>
				<td class="first td50">Amount : </td>
				<td class="last">
					<input class="text" name="Amount" size="8" value="250,000.00"> (&#36;)
				</td>
			</tr>
			<tr>
				<td class="first td50">Interest Rate : </td>
				<td class="last">
					<input class="text" name="Interest" size="8" value="5.000"> (%)
				</td>
			</tr>
			<tr>
				<td class="first td50">Length : </td>
				<td class="last">
					<input class="text" name="Length" size="8" value="30"> (Yrs)
				</td>
			</tr>
			<tr>
				<td class="chapter" colspan="2">Property Information</td>
			</tr>
			<tr>
				<td class="first td50">Home Value : </td>
				<td class="last">
					<input class="text" name="HomeValue" size="8" value="300,000.00"> (&#36;)
				</td>
			</tr>
			<tr>
				<td class="chapter" colspan="2">Taxes And Insurance Information</td>
			</tr>
			<tr>
				<td class="first td50">Annual Taxes : </td>
				<td class="last">
					<input class="text" name="PropertyTaxes" size="8" value="3,000.00">
					<span class="radio">
						<input class="radio" type="radio" name="PropertyTaxesSel" id="PropertyTaxesSel0" checked value="0"> <label for="PropertyTaxesSel0">(&#36;)</label>
						<input class="radio" type="radio" name="PropertyTaxesSel" id="PropertyTaxesSel1"  value="1"> <label for="PropertyTaxesSel1"> (%) </label>
					</span>
				</td>
			</tr>
			<tr>
				<td class="first td50">Annual Insurance : </td>
				<td class="last">
					<input class="text" name="Insurance" size="8" value="1,500.00">
					<span class="radio">
						<input class="radio" type="radio" name="InsuranceSel" id="InsuranceSel0" checked value="0"> <label for="InsuranceSel0">(&#36;)</label>
						<input class="radio" type="radio" name="InsuranceSel" id="InsuranceSel1"  value="1"> <label for="InsuranceSel1"> (%) </label>
					</span>
				</td>
			</tr>
			<tr>
				<td class="first td50">Annual PMI : </td>
				<td class="last">
					<input class="text" name="PMI" size="8" value="0.500">
					<span class="radio">
						<input class="radio" type="radio" name="PMISel" id="PMISel0"  value="0"> <label for="PMISel0">(&#36;)</label>
						<input class="radio" type="radio" name="PMISel" id="PMISel1" checked value="1"> <label for="PMISel1"> (%) </label>
					</span>
				</td>
			</tr>
			
			<tr>
				<td colspan="2" class="chapter" align="center">
					<input type="hidden" id="PDFGen" name="PDFGen" value="0" />
					<a href="javascript:void(showPdf())"><img src='/SharedFiles/CalculatorFiles/pdf-logo.png' width="16" height="16" border="0" align="middle" title="Generate PDF form for that mortgage calculator" /></a>&nbsp;<a href="javascript:void(showPdf())">Let Me Print That Form in PDF!</a>
				</td>
			</tr>

			<tr>
				<td colspan="2" align="center" class="chapter">
					<span class="radio">
						<input class="radio" type="checkbox" name="ShowTableSel" id="ShowTableSel"  value="1"> <label for="ShowTableSel">Show Schedule Table</label><br/>
					</span>
				</td>
			</tr>

			<tr>
				<td class="button" colspan="2" align="center">
					<input type="submit" value="Calculate">
				</td>
			</tr>
		</table>

		<div id='analysisDiv' style='display:  none ;'>
			<div class="table-caption analysis">Financial Analysis (<a href='javascript:switchToPlainEnglish();'>Switch to Plain English</a>)</div>
			<table class="results" cellspacing="0">
				<tr>
					<td class="first">Monthly Principal & Interests : </td>
					<td class="last">&#36;1,342.05</td>
				</tr>
				<tr>
					<td class="first">Monthly Real Estate Taxes : </td>
					<td class="last">&#36;250.00</td>
				</tr>
				<tr>
					<td class="first">Monthly Insurance : </td>
					<td class="last">&#36;125.00</td>
				</tr>
								<tr>
					<td class="first">Loan To Value Ratio : </td>
					<td class="last">83.33%</td>
				</tr>
				<tr>
					<td class="first">Months With PMI : </td>
					<td class="last">31</td>
				</tr>
				<tr>
					<td class="first">Monthly PMI : </td>
					<td class="last">&#36;104.17</td>
				</tr>
								<tr class="total last">
					<td class="first">Total Monthly Payments : </td>
					<td class="last">&#36;1,821.22</td>
				</tr>
			</table>
		</div>
		<div id='plainEnglishDiv' style='display:  inline ;'>
			<div class="table-caption analysis">Plain English Analysis (<a href='javascript:switchToAnalysis();'>Switch to Financial Analysis</a>)</div>
			<table class="results" cellspacing="0">
				<tr class='last'>
					<td class="first last">
						