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	<title>Indianapolis Mortgage &#124; Refinance Indianapolis &#124; Hard Working Mortgage Guy</title>
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	<link>http://www.hardworkingmortgageguy.com</link>
	<description>Indianapolis Mortgages, Refinance, Low Closing Costs, Low Interest Rates</description>
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		<title>Mortgage rates, where are they going?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/12/02/mortgage-rates-where-are-they-going/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/12/02/mortgage-rates-where-are-they-going/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 17:42:50 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1469</guid>
		<description><![CDATA[Have you wondered where mortgage rates are going. Listen in as TeeBill and Purrime discuss what they think of mortgage rates.]]></description>
			<content:encoded><![CDATA[<p>Have you wondered where mortgage rates are going. Listen in as TeeBill and Purrime discuss what they think of mortgage rates.</p>
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		<title>Should you lock your interest rate today?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/30/should-you-lock-your-interest-rate-today/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/30/should-you-lock-your-interest-rate-today/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 18:02:18 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[lock rate]]></category>
		<category><![CDATA[Purrime]]></category>
		<category><![CDATA[Rick Ripma]]></category>
		<category><![CDATA[TeeBill]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1464</guid>
		<description><![CDATA[Did you lock your interest rate. Listen to TeeBill and Purrime talk about locking your mortgage rate.]]></description>
			<content:encoded><![CDATA[<p>Did you lock your interest rate. Listen to TeeBill and Purrime talk about locking your mortgage rate.</p>
]]></content:encoded>
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		<title>Home sales fall out at extremely high rate</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/28/home-sales-fall-out-at-extremely-high-rate/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/28/home-sales-fall-out-at-extremely-high-rate/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 19:34:07 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home sales]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Purrime]]></category>
		<category><![CDATA[Rick Ripma]]></category>
		<category><![CDATA[TeeBill]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1461</guid>
		<description><![CDATA[The National Association of Realtors says home sales are falling out at an astounding rate. Watch this video and learn more.]]></description>
			<content:encoded><![CDATA[<p>The National Association of Realtors says home sales are falling out at an astounding rate. Watch this video and learn more.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>$330 Closing Costs? Wow! How can that be?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/14/330-closing-costs-wow/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/14/330-closing-costs-wow/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 17:52:03 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Shopping Rate]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1435</guid>
		<description><![CDATA[You&#8217;re blown away by the high closing costs of many lenders Watch this Learn&#8217;n with Rick video and you&#8217;ll see closing costs just don&#8217;t have to be that high.]]></description>
			<content:encoded><![CDATA[<p>You&#8217;re blown away by the high closing costs of many lenders Watch this Learn&#8217;n with Rick video and you&#8217;ll see closing costs just don&#8217;t have to be that high.</p>
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		<slash:comments>3</slash:comments>
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		<title>Foreclosures! How will they affect your homes value?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/07/foreclosures-in-your-neighbor-how-will-they-affect-your-homes-value/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/07/foreclosures-in-your-neighbor-how-will-they-affect-your-homes-value/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 16:20:45 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[Indiana]]></category>
		<category><![CDATA[indianapolis\]]></category>
		<category><![CDATA[Johnie Baker]]></category>
		<category><![CDATA[Rick Ripma]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1425</guid>
		<description><![CDATA[You look down the street and you see a foreclosure. How is that home going to affect your homes value? It that a concern you have. Watch this video as Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss how a foreclosure is viewed and used by the appraiser.]]></description>
			<content:encoded><![CDATA[<p>You look down the street and you see a foreclosure. How is that home going to affect your homes value? It that a concern you have. Watch this video as Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss how a foreclosure is viewed and used by the appraiser.</p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>Why did the appraiser use that home as a comparable?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/03/why-did-the-appriaser-use-that-home-as-a-comparible/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/03/why-did-the-appriaser-use-that-home-as-a-comparible/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 16:20:17 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[Johnie Baker]]></category>
		<category><![CDATA[Rick Ripma]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1414</guid>
		<description><![CDATA[ Your looking at your appraisal and your wondering&#8230; why did the appraiser use the home down the street but not the one next door to compare your home with. This questions is asked often buy home owners when they are financing a home. In this video Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss how and why certain homes are comparables and others are not.]]></description>
			<content:encoded><![CDATA[<p> Your looking at your appraisal and your wondering&#8230; why did the appraiser use the home down the street but not the one next door to compare your home with. This questions is asked often buy home owners when they are financing a home.</p>
<p>In this video Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss how and why certain homes are comparables and others are not.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Appraisal value is finalized away from your home!</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/02/appraisal-value-is-fianlize-away-from-your-home/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/02/appraisal-value-is-fianlize-away-from-your-home/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 14:04:39 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[Indiana]]></category>
		<category><![CDATA[indianapolis\]]></category>
		<category><![CDATA[Johnnie Baker]]></category>
		<category><![CDATA[Rick Ripma]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1408</guid>
		<description><![CDATA[Once the appraiser leaves your home what does he do. This is important because this is when the value is determined. Listen in as Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss this important time.]]></description>
			<content:encoded><![CDATA[<p>Once the appraiser leaves your home what does he do. This is important because this is when the value is determined. Listen in as Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss this important time.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.hardworkingmortgageguy.com/2011/11/02/appraisal-value-is-fianlize-away-from-your-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Appraise for top dollar: Prepare your home for the appraisal</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/01/how-to-prepare-your-home-for-the-appraisal/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/01/how-to-prepare-your-home-for-the-appraisal/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 13:47:32 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[Indiana]]></category>
		<category><![CDATA[indianapolis\]]></category>
		<category><![CDATA[Johnie Baker]]></category>
		<category><![CDATA[Rick Ripma]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1401</guid>
		<description><![CDATA[What should you do to receive top dollar on your appraisal. In this video Johnine Baker, owner Baker Appraisal Sevices, and Rick Ripma discuss this issue.]]></description>
			<content:encoded><![CDATA[<p>What should you do to receive top dollar on your appraisal. In this video Johnine Baker, owner Baker Appraisal Sevices, and Rick Ripma discuss this issue.</p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Appraise for top dollar &#8211; list your upgrades and improvements for the appraiser?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/10/28/appraiser-for-top-dollar-have-a-list-of-upgrades-and-improvements-for-the-appraiser/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/10/28/appraiser-for-top-dollar-have-a-list-of-upgrades-and-improvements-for-the-appraiser/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 14:24:17 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Indiana]]></category>
		<category><![CDATA[indianapolis\]]></category>
		<category><![CDATA[Johnnie Baker]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1388</guid>
		<description><![CDATA[Appraise for top dollar &#8211; Have a list of upgrades and improvements you have done to your home ready for the appraiser.]]></description>
			<content:encoded><![CDATA[<p>Appraise for top dollar &#8211; Have a list of upgrades and improvements you have done to your home ready for the appraiser.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How is finished basement value determined?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/10/27/how-is-value-determined-for-a-finished-basement/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/10/27/how-is-value-determined-for-a-finished-basement/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 13:09:45 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[Indiana]]></category>
		<category><![CDATA[indianapolis\]]></category>
		<category><![CDATA[Johnnie Baker]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1367</guid>
		<description><![CDATA[How come the rooms in your finished basement didn&#8217;t add what you thought it would to the value of your home?]]></description>
			<content:encoded><![CDATA[<p>How come the rooms in your finished basement didn&#8217;t add what you thought it would to the value of your home?</p>
]]></content:encoded>
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		<slash:comments>3</slash:comments>
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