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		<title>Site Map | ADV Mortgage Direct Baltimore, Maryland</title>
		<link>http://www.advloantips.com/rss.xml</link>
		<description>Michael DiPaula from ADV Mortgage Direct</description>
		<language>en-us</language>
		<copyright>Copyright (c) 2008 ADV Mortgage Direct All Rights Reserved.</copyright>
		<lastBuildDate>Sat,  5 Jul 2008 15:53:07 -0400</lastBuildDate>
		<ttl>5</ttl>
		<item>
			<title><![CDATA[ 7 Costly Homebuyer Mistakes ]]></title>
			<link>http://www.advloantips.com/7homebuyermistakes.htm</link>
			<guid>http://www.advloantips.com/7homebuyermistakes.htm</guid>
			<pubDate>Mon, 29 Jan 2007 20:00:08 -0500</pubDate>
			<description><![CDATA[ The Seven Most Costly Mistakes Made by Home Buyers


1) Not getting pre-qualified for a loan before you search for a home. Getting pre-qualified by a professional lender will let you know in advance how much mortgage you can afford. This allows yo... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Dealing With Credit After Bankruptcy ]]></title>
			<link>http://www.advloantips.com/creditafterbk.htm</link>
			<guid>http://www.advloantips.com/creditafterbk.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:59:12 -0500</pubDate>
			<description><![CDATA[ How to Deal With Your Credit After a Bankruptcy 

One of the biggest challenges that people encounter after discharging a bankruptcy is the cleaning up of their credit report. The challenge is the one of the communication. The credit bureaus only r... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Free Credit Secrets CD ]]></title>
			<link>http://www.advloantips.com/freecreditcd.htm</link>
			<guid>http://www.advloantips.com/freecreditcd.htm</guid>
			<pubDate>Mon, 29 Jan 2007 23:02:51 -0500</pubDate>
			<description><![CDATA[ Credit Secrets Revealed

As Heard on ADV Mortgage &quot;Insider Secrets&quot; Radio Show on 
Talk Radio 680 WCBM-Hosted by Mortgage Experts
Mike DiPaula &amp;amp; Bill McDonald
Our guest were credit experts Paul Wohkittel and Ruth Koontz. Paul a... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Free Recorded Reports ]]></title>
			<link>http://www.advloantips.com/freerecordedreports.htm</link>
			<guid>http://www.advloantips.com/freerecordedreports.htm</guid>
			<pubDate>Mon, 29 Jan 2007 15:48:23 -0500</pubDate>
			<description><![CDATA[ 



Don't Make a Move Without These Special Free Reports
24 Hour Recorded Line
1-800-899-8419
&amp;nbsp;

Purchase a Home Even if You Have Had a Bankruptcy

Ext. 8001

Building a Better Credit History
Ext. 8011

Don't Sign Another Ren... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Realtor Comments ]]></title>
			<link>http://www.advloantips.com/agentpraise.htm</link>
			<guid>http://www.advloantips.com/agentpraise.htm</guid>
			<pubDate>Mon, 12 Mar 2007 13:56:49 -0400</pubDate>
			<description><![CDATA[ 
		&quot;I have been a licensed realtor for 22 Years and have never been so impressed with a lender&quot;. Gil Bordreau-Long &amp;amp; Foster
	


		&quot;I appreciate the way you constantly kept me up to date on the status of the loan.&quot;
Joanne... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Favorite Links ]]></title>
			<link>http://www.advloantips.com/favoritelinks.htm</link>
			<guid>http://www.advloantips.com/favoritelinks.htm</guid>
			<pubDate>Fri, 29 Sep 2006 18:03:56 -0400</pubDate>
			<description><![CDATA[ Investors United School of Real Estate
HUD Website
Lynne DeNicolis-Advance Realty Perry Hall
John &amp;amp; Dottie Cordwell-Advance Realty- Perry Hall
Shirley Moberly-Wood-Advance Realty Perry Hall
Firststone-The Credit Masters
National Reverse... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ What Others Say ]]></title>
			<link>http://www.advloantips.com/client-comments.htm</link>
			<guid>http://www.advloantips.com/client-comments.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:36:08 -0400</pubDate>
			<description><![CDATA[ What Others Say About Us

		&quot;Every part of the transaction went well-NO Kidding!&amp;nbsp; I just liked how their team took their time with me from start to finish, no pressure. I felt like they really cared&quot;.
Glenn Sewell-Arbutus, MD
Re... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ The Top Mortgage Questions You Must Ask Before Applying For A Mortgage ]]></title>
			<link>http://www.advloantips.com/mortgage-faq.htm</link>
			<guid>http://www.advloantips.com/mortgage-faq.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:57:56 -0500</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.advloantips.com/moving-tips.htm</link>
			<guid>http://www.advloantips.com/moving-tips.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:56:40 -0500</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.advloantips.com/seven-things.htm</link>
			<guid>http://www.advloantips.com/seven-things.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:55:21 -0500</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.advloantips.com/lower-insurance.htm</link>
			<guid>http://www.advloantips.com/lower-insurance.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:54:06 -0500</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.advloantips.com/stop-renting.htm</link>
			<guid>http://www.advloantips.com/stop-renting.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:52:43 -0500</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.advloantips.com/mortgage-checklist.htm</link>
			<guid>http://www.advloantips.com/mortgage-checklist.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:51:42 -0500</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.advloantips.com/better-credit-record.htm</link>
			<guid>http://www.advloantips.com/better-credit-record.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:50:28 -0500</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 sc... ]]></description>
		</item> 	
		<item>
			<title><![CDATA[ Yes You Can Get FREE Money To Buy A Home With Grant Programs ]]></title>
			<link>http://www.advloantips.com/grant-programs.htm</link>
			<guid>http://www.advloantips.com/grant-programs.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:47:09 -0500</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.advloantips.com/own-a-home.htm</link>
			<guid>http://www.advloantips.com/own-a-home.htm</guid>
			<pubDate>Mon, 29 Jan 2007 19:49:03 -0500</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.advloantips.com/closing-cost.htm</link>
			<guid>http://www.advloantips.com/closing-cost.htm</guid>
			<pubDate>Mon, 29 Jan 2007 18:28:52 -0500</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.advloantips.com/mortgage-terms.htm</link>
			<guid>http://www.advloantips.com/mortgage-terms.htm</guid>
			<pubDate>Mon, 29 Jan 2007 18:25:54 -0500</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.advloantips.com/improve-credit-score.htm</link>
			<guid>http://www.advloantips.com/improve-credit-score.htm</guid>
			<pubDate>Mon, 29 Jan 2007 18:24:40 -0500</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.advloantips.com/monthly-payment-calculator.htm</link>
			<guid>http://www.advloantips.com/monthly-payment-calculator.htm</guid>
			<pubDate>Sat,  3 Jun 2006 05:36:07 -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">
						