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	<title>Josh Harmatz</title>
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	<description>Voyage Financial Group, Inc.</description>
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		<title>Sacramento Business Journal Top 40 Under 40 Finalists</title>
		<link>http://www.joshharmatz.com/sacramento-business-journal-top-40-under-40-finalists/</link>
		<comments>http://www.joshharmatz.com/sacramento-business-journal-top-40-under-40-finalists/#comments</comments>
		<pubDate>Thu, 06 May 2010 20:46:23 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>

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		<description><![CDATA[Nomiated for the Top 40 under 40 business leaders in Sacramento]]></description>
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		<title>Our recent event with Angelwish&#8230;Voyage Home Loans made the Local News!!!</title>
		<link>http://www.joshharmatz.com/our-recent-event-with-angelwish-voyage-home-loans-made-the-local-news/</link>
		<comments>http://www.joshharmatz.com/our-recent-event-with-angelwish-voyage-home-loans-made-the-local-news/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 16:36:18 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[angelwish]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[sacramento home loans]]></category>
		<category><![CDATA[video]]></category>

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		<description><![CDATA[This was a very rewarded event for everyone involved. Please see the link below for our local new video.
http://www.youtube.com/watch?v=PVDjQgjmPcs
Voyage Home Loans is quickly becoming a prominent force in the local business community. Our committment to providing the best sacramento home loans is a never ending goal!
]]></description>
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		<title>Mortgage Loans and Tax Time; they have a lot in common</title>
		<link>http://www.joshharmatz.com/mortgage-loans-and-tax-time-they-have-a-lot-in-common/</link>
		<comments>http://www.joshharmatz.com/mortgage-loans-and-tax-time-they-have-a-lot-in-common/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 07:52:52 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[qualifying]]></category>
		<category><![CDATA[tax time]]></category>

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		<description><![CDATA[Mortgage loans are becoming increasingly difficult to qualify for. Debt to income ratio&#8217;s are tighter, home valuations are more conservative, and underwriters are extremely cautious. If you have been turned down for your mortgage loan in the past year, their may be a light at the end of the refinance or purchase tunnel; it&#8217;s Tax [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Want 100% Financing for Your Purchase Loan?</title>
		<link>http://www.joshharmatz.com/want-100-financing-for-your-purchase-loan/</link>
		<comments>http://www.joshharmatz.com/want-100-financing-for-your-purchase-loan/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 02:50:05 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Products]]></category>
		<category><![CDATA[No Money Down]]></category>
		<category><![CDATA[Purchase Loan]]></category>

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		<description><![CDATA[Yes, there is still no money down financing options. If you are not familiar with some of the more unique products, here are four that can get you into your home with no money out of pocket.
1. VA- The department of veterans affairs offers no money down financing for qualified veterans for their purchase. Interest [...]]]></description>
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		<title>Mortgage Changes You Need to Know</title>
		<link>http://www.joshharmatz.com/mortgage-changes-you-need-to-know/</link>
		<comments>http://www.joshharmatz.com/mortgage-changes-you-need-to-know/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 19:05:41 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Industry changes]]></category>
		<category><![CDATA[mortgage rates]]></category>

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		<description><![CDATA[The american economy is still recovering from the mortgage crisis of 2007 as investors in the mortgage marketplace today are extremely cautious. Their apprehension to make another mistake on a mortgage loan is causing a continual tightening of the lending guidelines. However, it is not all doom and gloom. Loans are still being made and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How RESPA reform will increase loan fee&#8217;s</title>
		<link>http://www.joshharmatz.com/how-respa-reform-will-increase-loan-fees/</link>
		<comments>http://www.joshharmatz.com/how-respa-reform-will-increase-loan-fees/#comments</comments>
		<pubDate>Sat, 02 Jan 2010 19:47:37 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage lending]]></category>
		<category><![CDATA[RESPA]]></category>

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		<description><![CDATA[Yesterday, the Real Estate Settlement and Procedurs Act, commonly known as RESPA, expanded the guidelines that govern the mortgage business. The intentions of the mortgage guidelines are to make lending more transparent so that customers can make more informed decisions when purchasing or refinance their home. However, the outcome may be a different thing.
Three key [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is Obama Really Spending Too Much?</title>
		<link>http://www.joshharmatz.com/is-obama-really-spending-too-much/</link>
		<comments>http://www.joshharmatz.com/is-obama-really-spending-too-much/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 03:27:40 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[obama]]></category>
		<category><![CDATA[TARP money]]></category>

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		<description><![CDATA[Considering that the TARP funds are loans and not gifts, are we losing money or making money on this &#8220;Bail Out&#8221;? Since the government bought into 35% of CITI, the stock has tripled. I would love to have billions to invest in that wouldn&#8217;t you?
Maybe I have more faith in the government then most, but [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s Your Fault</title>
		<link>http://www.joshharmatz.com/its-your-fault/</link>
		<comments>http://www.joshharmatz.com/its-your-fault/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 04:30:39 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Sac State]]></category>
		<category><![CDATA[subprime meltdown]]></category>

		<guid isPermaLink="false">http://www.joshharmatz.com/its-your-fault/</guid>
		<description><![CDATA[Students at Sacramento State feel that it is the home owner who is to blame for the subprime mortgage crisis. Recently, I surveyed senior&#8217;s at the local university and and asked them to pick among the following choices who should bear the shame of the subprime mortgage crisis that unravelled the credit markets across the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Would you do business with you?</title>
		<link>http://www.joshharmatz.com/would-you-do-business-with-you/</link>
		<comments>http://www.joshharmatz.com/would-you-do-business-with-you/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 19:18:18 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Expectations]]></category>
		<category><![CDATA[Professional]]></category>
		<category><![CDATA[Trust]]></category>

		<guid isPermaLink="false">http://www.joshharmatz.com/would-you-do-business-with-you/</guid>
		<description><![CDATA[What would you expect of someone who is handling the largest transaction in your life. Several hundred thousand dollars are on the line.
Would they answer your calls?
Would they know up front what can and cannot be done?
How much experience would you want them to have?
Would this person have some sort of 3rd party certifications?
What kind [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Voyage Financial Group Mentioned in the Sacramento Press</title>
		<link>http://www.joshharmatz.com/voyage-financial-group-mentioned-in-the-sacramento-press/</link>
		<comments>http://www.joshharmatz.com/voyage-financial-group-mentioned-in-the-sacramento-press/#comments</comments>
		<pubDate>Fri, 23 Oct 2009 05:11:38 +0000</pubDate>
		<dc:creator>JHarmatz</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Childrens Miracle Network]]></category>
		<category><![CDATA[Painting for Miracles]]></category>
		<category><![CDATA[Sacramento Press]]></category>
		<category><![CDATA[Voyage]]></category>

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		<description><![CDATA[Recently, my company sponsored the Painting for Miracles Charity Event. I wanted to share the information on the event in the hopes of raising more money for Childrens Miracle Network. Please see the Sacramento Press or our Website for more information.
]]></description>
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