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	<title>Call Candon</title>
	<link>http://callcandon.com</link>
	<description>Kingston&#039;s Real Estate Professional</description>
	<lastBuildDate>Thu, 17 Mar 2011 16:11:40 +0000</lastBuildDate>
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		<title>Can I include home improvements into a mortgage?</title>
		<description><![CDATA[Yes! Just like you qualify for a mortgage you must qualify for any additional loans taken out above and beyond the original mortgage. . In fact, even purchasers with 5% down may qualify to buy a home and make improvements to it. For high-ratio financing, both Canada Mortgage and Housing Corporation and Genworth Capital, insured [...]]]></description>
		<link>http://callcandon.com/mortgages/can-i-include-home-improvements-into-a-mortgage/</link>
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		<title>Are foreclosures as good as people say they are?</title>
		<description><![CDATA[There is no true answer to this question. The reason for this has to do with A) how the price is determined and B) How offers are dealt with by the lending institution. The price is usually determined by 2 individuals; a Realtor and an Appraiser. First, the bank will choose between the two prices [...]]]></description>
		<link>http://callcandon.com/buying/are-foreclosures-as-good-as-people-say-they-are/</link>
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		<title>Can I use gift funds as a down payment?</title>
		<description><![CDATA[Most lenders will accept down payment funds that are a gift from family as an acceptable down payment. A gift letter signed by the donor is usually required to confirm that the funds are a true gift and not a loan. Where the mortgage requires mortgage loan insurance, Canada Mortgage and Housing Corporation requires the [...]]]></description>
		<link>http://callcandon.com/buying/can-i-use-gift-funds-as-a-down-payment/</link>
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