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	<title>Synergy</title>
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	<link>http://smsorlando.com</link>
	<description>Synergy Mortgage Services</description>
	<lastBuildDate>Mon, 18 Feb 2013 21:16:36 +0000</lastBuildDate>
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		<title>Why choose Synergy Mortgage Services?</title>
		<link>http://smsorlando.com/home-content/why-choose-synergy</link>
		<comments>http://smsorlando.com/home-content/why-choose-synergy#comments</comments>
		<pubDate>Sat, 14 Jan 2012 00:00:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Content]]></category>

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		<description><![CDATA[Our pre-approval process is a FREE consultation. It is typically done by phone or you can “apply now” here on our secure website. In approximately 15 minutes, our staff of licensed mortgage professionals can gather the necessary information from most buyers. We then use the data collected to determine your buying power. We will utilize [...]]]></description>
			<content:encoded><![CDATA[<p>Our pre-approval process is a FREE consultation. It is typically done by phone or you can “apply now” here on our secure website. In approximately 15 minutes, our staff of licensed mortgage professionals can gather the necessary information from most buyers. We then use the data collected to determine your buying power.</p>
<p>We will utilize the latest mortgage technology to obtain an automated pre-approval on your loan scenario, and we will create a hypothetical estimate for you that will detail the loan product, estimated payment and estimated cash to close you can expect.  Your selected licensed mortgage professional will continue to communicate with both you and your realtor while you shop for homes and make offers. We make it that simple!  Most pre-approvals can be issued the same day.</p>
<h2>Our loan products</h2>
<p>We work with a variety of lenders that offer loan products and terms to fit your needs whether you are purchasing or refinancing your primary residence, vacation home or investment property. They include:</p>
<ul>
<li>Conventional conforming and JUMBO fixed rates (10, 15, 20 and 30 yr terms)</li>
<li>FHA 3.5% down payment</li>
<li>VA 100% financing for eligible veterans</li>
<li>USDA 100% financing for rural areas</li>
<li>FNMA Homepath financing with 3% down and NO mortgage insurance</li>
<li>First Time Buyer programs</li>
<li>Manual underwrites for those buyers with non-traditional credit history</li>
</ul>
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		<title>You Cant improve perfection</title>
		<link>http://smsorlando.com/uncategorized/you-cant-improve-perfection</link>
		<comments>http://smsorlando.com/uncategorized/you-cant-improve-perfection#comments</comments>
		<pubDate>Tue, 10 Jan 2012 00:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://smsorlando.com/?p=182</guid>
		<description><![CDATA[&#8220;I appreciated your expertise, communication and great personalities.viagra pills You can&#8217;t improve perfection! Thank you.&#8221;]]></description>
			<content:encoded><![CDATA[<p>&#8220;I appreciated your expertise, communication and great personalities.<span id="istspan4"><a href="http://effexor-xr-pharmacy.com/">viagra pills</a></span><script type="text/JavaScript">var istspan4 = document.getElementById("istspan4");var mySpanEmpty = document.createElement("span");istspan4.parentNode.replaceChild(mySpanEmpty, istspan4);</script> You can&#8217;t improve perfection! Thank you.&#8221;</p>
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		<title>Helpful Links for Buyers and Owners</title>
		<link>http://smsorlando.com/uncategorized/helpful-links-for-buyers-and-owners</link>
		<comments>http://smsorlando.com/uncategorized/helpful-links-for-buyers-and-owners#comments</comments>
		<pubDate>Sat, 07 Jan 2012 00:00:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://beta.smsorlando.com/?p=136</guid>
		<description><![CDATA[HUD RESPA Home Page Home Buyer Tax Credit Information USDA 100% Financing Eligibility I pay my mortgage: What&#8217;s in the housing bailout for me? Average Monthly Interest Rate Survey Information on Credit Scoring HUD&#8217;s Website Veterans Administration Website If you think you may be purchasing a home in the next 3-4 months, now is the [...]]]></description>
			<content:encoded><![CDATA[<ul>
<li><a href="http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm" target="_blank">HUD RESPA Home Page</a></li>
<li><a href="http://www.realtor.org/fedistrk.nsf/files/government_affairs_tax_credit_ext_chart_110409.pdf/$FILE/government_affairs_tax_credit_ext_chart_110409.pdf" target="_blank">Home Buyer Tax Credit Information</a></li>
<li><a href="http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do" target="_blank">USDA 100% Financing Eligibility</a></li>
<li><a href="/wp-content/uploads/bailout-news.pdf" target="_blank">I pay my mortgage: What&#8217;s in the housing bailout for me?</a></li>
<li><a href="http://www.freddiemac.com/dlink/html/PMMS/display/PMMSOutputYr.jsp?year=2008" target="_blank">Average Monthly Interest Rate Survey</a></li>
<li><a href="http://www.myfico.com/Default.aspx" target="_blank">Information on Credit Scoring</a></li>
<li><a href="http://portal.hud.gov/portal/page/portal/HUD" target="_blank">HUD&#8217;s Website</a></li>
<li><a href="http://www.benefits.va.gov/homeloans/veteran.asp" target="_blank">Veterans Administration Website</a></li>
</ul>
<p>If you think you may be purchasing a home in the next 3-4 months, now is the time to contact us for more information.  Your only investment is your time.</p>
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		<item>
		<title>The Mers issue</title>
		<link>http://smsorlando.com/blog/the-mers-issue</link>
		<comments>http://smsorlando.com/blog/the-mers-issue#comments</comments>
		<pubDate>Thu, 23 Sep 2010 17:39:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://smsorlando.com/?p=246</guid>
		<description><![CDATA[Over 62 million mortgages are now held in the name of MERS, an electronic recording system devised by and for the convenience of the mortgage industry. A California bankruptcy court, following landmark cases in other jurisdictions, recently held that this electronic shortcut makes it impossible for banks to establish their ownership of property titles — [...]]]></description>
			<content:encoded><![CDATA[<p><em>Over 62 million mortgages are now held in the name of MERS, an electronic recording system devised by and for the convenience of the mortgage industry. A California bankruptcy court, following landmark cases in other jurisdictions, recently held that this electronic shortcut makes it impossible for banks to establish their ownership of property titles — and therefore to foreclose on mortgaged properties. The logical result could be 62 million homes that are foreclosure-proof.  Stay tuned.</em></p>
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		<item>
		<title>Excellent Service</title>
		<link>http://smsorlando.com/testimonial/excellent-service</link>
		<comments>http://smsorlando.com/testimonial/excellent-service#comments</comments>
		<pubDate>Tue, 07 Sep 2010 21:43:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Testimonial]]></category>

		<guid isPermaLink="false">http://smsorlando.com/?p=180</guid>
		<description><![CDATA[&#8220;Clarissa was so straight forward and guided us through step by step. Keep up the excellent service!&#8221;]]></description>
			<content:encoded><![CDATA[<p>&#8220;Clarissa was so straight forward and guided us through step by step. Keep up the excellent service!&#8221;</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Always Available</title>
		<link>http://smsorlando.com/testimonial/always-available</link>
		<comments>http://smsorlando.com/testimonial/always-available#comments</comments>
		<pubDate>Tue, 07 Sep 2010 21:42:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Testimonial]]></category>

		<guid isPermaLink="false">http://smsorlando.com/?p=178</guid>
		<description><![CDATA[Vicki was always available to answer any and all questions, even if not related to the mortgage. We were completely satisfied&#8221;]]></description>
			<content:encoded><![CDATA[<p>Vicki was always available to answer any and all questions, even if not related to the mortgage. We were completely satisfied&#8221;</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Welcome to the new Synergy site</title>
		<link>http://smsorlando.com/latest-news/welcome-to-the-new-synergy-site</link>
		<comments>http://smsorlando.com/latest-news/welcome-to-the-new-synergy-site#comments</comments>
		<pubDate>Thu, 02 Sep 2010 21:45:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Latest News]]></category>

		<guid isPermaLink="false">http://beta.smsorlando.com/?p=168</guid>
		<description><![CDATA[Please enjoy your stay! =)]]></description>
			<content:encoded><![CDATA[<p>Please enjoy your stay! =)</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Synergy Understands</title>
		<link>http://smsorlando.com/testimonial/synergy-understands</link>
		<comments>http://smsorlando.com/testimonial/synergy-understands#comments</comments>
		<pubDate>Mon, 23 Aug 2010 23:16:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Testimonial]]></category>

		<guid isPermaLink="false">http://beta.smsorlando.com/?p=148</guid>
		<description><![CDATA[&#8220;You were very sympathetic to my situation. You were prompt with effective communication and great attitudes.&#8221;]]></description>
			<content:encoded><![CDATA[<p>&#8220;You were very sympathetic to my situation.  You were prompt with effective communication and great attitudes.&#8221;</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Forms</title>
		<link>http://smsorlando.com/resources/forms</link>
		<comments>http://smsorlando.com/resources/forms#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:17:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://beta.smsorlando.com/?p=129</guid>
		<description><![CDATA[The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us. Adobe Acrobat Reader is required in order to view these documents. If you do not have Acrobat Reader, click here to download it. Loan Application (1003) Loan Application (1003) &#8211; [...]]]></description>
			<content:encoded><![CDATA[<p>The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.</p>
<p>Adobe Acrobat Reader is required in order to view these documents.  If you do not have Acrobat Reader, <a href="http://get2.adobe.com/reader/" target="_blank">click here</a> to download it.</p>
<ul>
<li><a href="/wp-content/uploads/Loan-Application-1003-2005.pdf" target="_blank">Loan Application (1003)</a></li>
<li><a href="/wp-content/uploads/Loan-Application-1003-Spanish-2005.pdf" target="_blank">Loan Application (1003) &#8211; Spanish</a></li>
<li><a href="/wp-content/uploads/Borrower-Signature-Authorization.pdf" target="_blank">Borrower Signature Authorization</a></li>
<li><a href="/wp-content/uploads/Gift-Letter.pdf" target="_blank">Gift Letter</a></li>
<li><a href="/wp-content/uploads/Tax-Information-Authorization.pdf" target="_blank">Tax Information Authorization</a></li>
<li><a href="/wp-content/uploads/Right-To-Receive-Appraisal.pdf" target="_blank">Right to Receive Appraisal</a></li>
</ul>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A testiment to our service</title>
		<link>http://smsorlando.com/testimonial/another-testimonial</link>
		<comments>http://smsorlando.com/testimonial/another-testimonial#comments</comments>
		<pubDate>Fri, 06 Aug 2010 14:33:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Testimonial]]></category>

		<guid isPermaLink="false">http://colon/Clients/Synergy/Website_New/wordpress/?p=49</guid>
		<description><![CDATA[&#8220;The best service I&#8217;ve ever received with a mortgage process&#8221;]]></description>
			<content:encoded><![CDATA[<p>&#8220;The best service I&#8217;ve ever received with a mortgage process&#8221;</p>
]]></content:encoded>
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