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	<title>Scott Senner Mortgage Insights</title>
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	<link>http://www.scottsenner.com</link>
	<description>Mortgage Lending and Real Estate Information</description>
	<lastBuildDate>Sat, 03 Dec 2011 03:19:16 +0000</lastBuildDate>
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		<title>Nothing to do with lending- Santa delivers a present to our kids tonight</title>
		<link>http://www.scottsenner.com/insights/nothing-to-do-with-lending-santa-delivers-a-present-to-our-kids-tonight.html</link>
		<comments>http://www.scottsenner.com/insights/nothing-to-do-with-lending-santa-delivers-a-present-to-our-kids-tonight.html#comments</comments>
		<pubDate>Sat, 03 Dec 2011 03:19:16 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=379</guid>
		<description><![CDATA[Santa made an early visit to our home tonight. This was a great night for our kids. About 30 seconds into the video, I turned the camera sideways, but straightened it out after about 15 seconds. I hope you enjoy this:]]></description>
			<content:encoded><![CDATA[<p>Santa made an early visit to our home tonight. This was a great night for our kids. About 30 seconds into the video, I turned the camera sideways, but straightened it out after about 15 seconds. I hope you enjoy this:<br />
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		</item>
		<item>
		<title>100% Financing Available Again! NOT VA or BOND!</title>
		<link>http://www.scottsenner.com/insights/100-financing-available-again-not-va-or-bond.html</link>
		<comments>http://www.scottsenner.com/insights/100-financing-available-again-not-va-or-bond.html#comments</comments>
		<pubDate>Thu, 01 Dec 2011 15:09:49 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=373</guid>
		<description><![CDATA[Very excited that I can offer 100% financing again! Please click the link below to view a video I recorded that gives program basics, but here are a few high points: 1. Borrower DOES NOT have to be a first time home buyer 2. Minimum score of 620, 3. Property can be anywhere in the [...]]]></description>
			<content:encoded><![CDATA[<p>Very excited that I can offer 100% financing again! Please click the link below to view a video I recorded that gives program basics, but here are a few high points: 1. Borrower DOES NOT have to be a first time home buyer 2. Minimum score of 620, 3. Property can be anywhere in the State of Oklahoma. Click here for more info- <a href="http://www.scottsenner.com/no-money-down-financing-available.html">100% Financing Video</a></p>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Steve and Linda Haneborg- refinance</title>
		<link>http://www.scottsenner.com/testimonials-2/steve-and-linda-haneborg-refinance.html</link>
		<comments>http://www.scottsenner.com/testimonials-2/steve-and-linda-haneborg-refinance.html#comments</comments>
		<pubDate>Wed, 16 Nov 2011 16:03:11 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Testimonials]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=364</guid>
		<description><![CDATA[I was very honored to have had the opportunity to help Steve and Linda with their refinance. Both of them are very well known in the Oklahoma City community and they could have gone to any number of other lenders to refinance their beautiful home.]]></description>
			<content:encoded><![CDATA[<p>I was very honored to have had the opportunity to help Steve and Linda with their refinance. Both of them are very well known in the Oklahoma City community and they could have gone to any number of other lenders to refinance their beautiful home.<br />
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		<title>Dr. Randy and Joan Terrell, self-employed borrower refinances home</title>
		<link>http://www.scottsenner.com/testimonials-2/dr-randy-and-joan-terrell-self-employed-borrower-refinances-home.html</link>
		<comments>http://www.scottsenner.com/testimonials-2/dr-randy-and-joan-terrell-self-employed-borrower-refinances-home.html#comments</comments>
		<pubDate>Wed, 16 Nov 2011 14:16:19 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Testimonials]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=361</guid>
		<description><![CDATA[Dr. Terrell was concerned that refinancing his home might be difficult because he is self-employed. He had been hearing that refinancing a home was a huge hassle, that the paperwork was overwhelming, and that is basically was not worth the trouble. His financial planner referred him to me and we got him and Joan closed [...]]]></description>
			<content:encoded><![CDATA[<p>Dr. Terrell was concerned that refinancing his home might be difficult because he is self-employed. He had been hearing that refinancing a home was a huge hassle, that the paperwork was overwhelming, and that is basically was not worth the trouble. His financial planner referred him to me and we got him and Joan closed in a few weeks. Very smooth transaction.<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dr. Justin and Dr. Elisa Sparkes- Testimonial 11-2011</title>
		<link>http://www.scottsenner.com/testimonials-2/dr-justin-and-dr-elisa-sparkes-testimonial-11-2011.html</link>
		<comments>http://www.scottsenner.com/testimonials-2/dr-justin-and-dr-elisa-sparkes-testimonial-11-2011.html#comments</comments>
		<pubDate>Fri, 11 Nov 2011 00:32:05 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Testimonials]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=354</guid>
		<description><![CDATA[&#160; I refinanced Justin and Elisa&#8217;s home about two years ago at a very good rate (for the time!!). They never thought rates would drop low enough to refinance again, but when I called them and told them we could drop 13 years off their mortgage and 1.5% off their rate, they were ecstatic.]]></description>
			<content:encoded><![CDATA[<p><span style="clear:both; line-height:0px;">&nbsp;</span><br />
I refinanced Justin and Elisa&#8217;s home about two years ago at a very good rate (for the time!!). They never thought rates would drop low enough to refinance again, but when I called them and told them we could drop 13 years off their mortgage and 1.5% off their rate, they were ecstatic.<br />
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		</item>
		<item>
		<title>Using &#8220;Gift Funds&#8221; to purchase a home? Do it the RIGHT way!!</title>
		<link>http://www.scottsenner.com/insights/using-gift-funds-to-purchase-a-home-do-it-the-right-way.html</link>
		<comments>http://www.scottsenner.com/insights/using-gift-funds-to-purchase-a-home-do-it-the-right-way.html#comments</comments>
		<pubDate>Fri, 13 May 2011 16:21:46 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=323</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Build a home now or save for a bigger downpayment? Which way is best?</title>
		<link>http://www.scottsenner.com/insights/build-a-home-now-or-save-for-a-bigger-downpayment-which-way-is-best.html</link>
		<comments>http://www.scottsenner.com/insights/build-a-home-now-or-save-for-a-bigger-downpayment-which-way-is-best.html#comments</comments>
		<pubDate>Wed, 11 May 2011 17:15:54 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[homebuilding]]></category>
		<category><![CDATA[monthly payment]]></category>
		<category><![CDATA[new home construction]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=317</guid>
		<description><![CDATA[You can view this video in full screen mode by clicking on the icon in the lower right hand corner of the video screen]]></description>
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<p><em>You can view this video in full screen mode by clicking on the icon in the lower right hand corner of the video screen</em></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NAR President says &#8220;760 required for loans&#8221; NOT TRUE</title>
		<link>http://www.scottsenner.com/insights/nar-president-says-760-required-for-loans-not-true.html</link>
		<comments>http://www.scottsenner.com/insights/nar-president-says-760-required-for-loans-not-true.html#comments</comments>
		<pubDate>Fri, 29 Apr 2011 20:04:19 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>
		<category><![CDATA[high credit scores]]></category>
		<category><![CDATA[low credit scores]]></category>
		<category><![CDATA[minimum credit score]]></category>
		<category><![CDATA[NAR]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=315</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cash Deposits- When Is Too Much Cash A Problem?</title>
		<link>http://www.scottsenner.com/insights/cash-deposits-when-is-too-much-cash-a-problem.html</link>
		<comments>http://www.scottsenner.com/insights/cash-deposits-when-is-too-much-cash-a-problem.html#comments</comments>
		<pubDate>Mon, 28 Mar 2011 23:35:55 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Insights]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=311</guid>
		<description><![CDATA[Trying to get a mortgage? Watch this video and learn about a big mistake many borrowers make with their bank accounts]]></description>
			<content:encoded><![CDATA[<p>Trying to get a mortgage? Watch this video and learn about a big mistake many borrowers make with their bank accounts</p>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Abby J testimonial</title>
		<link>http://www.scottsenner.com/testimonials-2/abby-j-testimonial.html</link>
		<comments>http://www.scottsenner.com/testimonials-2/abby-j-testimonial.html#comments</comments>
		<pubDate>Thu, 03 Mar 2011 18:27:48 +0000</pubDate>
		<dc:creator>Scott Senner</dc:creator>
				<category><![CDATA[Testimonials]]></category>

		<guid isPermaLink="false">http://www.scottsenner.com/?p=309</guid>
		<description><![CDATA[Abby just purchased a home in Piedmont. Super nice home with a barn for her horses.]]></description>
			<content:encoded><![CDATA[<p>Abby just purchased a home in Piedmont. Super nice home with a barn for her horses.<br />
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