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  <channel>
    <title>Default HubSpot Blog</title>
    <link>https://blog.blrmortgage.com/blog</link>
    <description>Bank of Little Rock Mortgage's blog on everything from home loans to refinancing</description>
    <language>en-us</language>
    <pubDate>Tue, 01 Oct 2019 14:15:38 GMT</pubDate>
    <dc:date>2019-10-01T14:15:38Z</dc:date>
    <dc:language>en-us</dc:language>
    <item>
      <title>Sample - How To Post</title>
      <link>https://blog.blrmortgage.com/blog/attract-visitors-with-compelling-blog-content-sample</link>
      <description>&lt;p&gt;&lt;strong&gt;INTRODUCTION:&lt;/strong&gt;&lt;/p&gt; 
&lt;p&gt;Your “how to” blog post should teach the reader how to do something by breaking it down into a series of steps.&lt;/p&gt; 
&lt;p&gt;Begin your blog post by explaining what problem you are going to solve through your explanation and be sure to include any relevant &lt;a href="https://app.hubspot.com/l/keywords"&gt;keywords.&lt;/a&gt;&amp;nbsp;Add in a personal story to establish your credibility on this topic. And make sure to end your blog post with a summary of what your reader will gain by following your lead.&lt;/p&gt; 
&lt;p&gt;&lt;strong&gt; Need some inspiration?&lt;/strong&gt; Check out these "How-To" examples from the HubSpot blog:&lt;/p&gt; 
&lt;ul&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-write-blog-post-simple-formula-ht"&gt;How to Write a Blog Post: A Simple Formula to Follow &lt;/a&gt;&lt;/li&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-do-keyword-research-ht"&gt;How to Do Keyword Research: A Beginner's Guide&lt;/a&gt;&lt;/li&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-write-meta-description-ht"&gt;How to Write an Effective Meta Description (Yes, They Still Matter) &lt;/a&gt;&lt;/li&gt; 
&lt;/ul&gt;</description>
      <content:encoded>&lt;p&gt;&lt;strong&gt;INTRODUCTION:&lt;/strong&gt;&lt;/p&gt; 
&lt;p&gt;Your “how to” blog post should teach the reader how to do something by breaking it down into a series of steps.&lt;/p&gt; 
&lt;p&gt;Begin your blog post by explaining what problem you are going to solve through your explanation and be sure to include any relevant &lt;a href="https://app.hubspot.com/l/keywords"&gt;keywords.&lt;/a&gt;&amp;nbsp;Add in a personal story to establish your credibility on this topic. And make sure to end your blog post with a summary of what your reader will gain by following your lead.&lt;/p&gt; 
&lt;p&gt;&lt;strong&gt; Need some inspiration?&lt;/strong&gt; Check out these "How-To" examples from the HubSpot blog:&lt;/p&gt; 
&lt;ul&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-write-blog-post-simple-formula-ht"&gt;How to Write a Blog Post: A Simple Formula to Follow &lt;/a&gt;&lt;/li&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-do-keyword-research-ht"&gt;How to Do Keyword Research: A Beginner's Guide&lt;/a&gt;&lt;/li&gt; 
 &lt;li&gt;&lt;a href="http://blog.hubspot.com/marketing/how-to-write-meta-description-ht"&gt;How to Write an Effective Meta Description (Yes, They Still Matter) &lt;/a&gt;&lt;/li&gt; 
&lt;/ul&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fattract-visitors-with-compelling-blog-content-sample&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Mon, 05 May 2014 14:50:45 GMT</pubDate>
      <author>SampleHubSpotUser@hubspot.com (Sample HubSpot User)</author>
      <guid>https://blog.blrmortgage.com/blog/attract-visitors-with-compelling-blog-content-sample</guid>
      <dc:date>2014-05-05T14:50:45Z</dc:date>
    </item>
    <item>
      <title>Mortgages and the Self-Employed</title>
      <link>https://blog.blrmortgage.com/blog/bid/304892/Mortgages-and-the-Self-Employed</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/304892/Mortgages-and-the-Self-Employed" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-229068221-jpg/images/92954474.jpg" alt="Mortgages and the Self-Employed" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;Financial independence — the knowledge that you, not a corporation, control your economic destiny — is an empowering feeling and a huge motivating factor for people who become self-employed.&lt;/p&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/304892/Mortgages-and-the-Self-Employed" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-229068221-jpg/images/92954474.jpg" alt="Mortgages and the Self-Employed" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;Financial independence — the knowledge that you, not a corporation, control your economic destiny — is an empowering feeling and a huge motivating factor for people who become self-employed.&lt;/p&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F304892%2FMortgages-and-the-Self-Employed&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>How to buy a home</category>
      <category>first-time home buying</category>
      <pubDate>Wed, 17 Jul 2013 20:57:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/304892/Mortgages-and-the-Self-Employed</guid>
      <dc:date>2013-07-17T20:57:00Z</dc:date>
    </item>
    <item>
      <title>Rent Vs. Buy: June 17, 2013 Interview with Matt Mosler</title>
      <link>https://blog.blrmortgage.com/blog/bid/299102/Rent-Vs-Buy-June-17-2013-Interview-with-Matt-Mosler</link>
      <description>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p&gt;Yesterday, I had the chance to sit down with the fantastic Matt Mosler on the KARK's morning segment, Money Matters. I was able to offer more advice to those caught between renting a home or buying a house. You can watch the interview below and get more information in the rest of the post beneath the video.&amp;nbsp;&lt;/p&gt;
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p&gt;Yesterday, I had the chance to sit down with the fantastic Matt Mosler on the KARK's morning segment, Money Matters. I was able to offer more advice to those caught between renting a home or buying a house. You can watch the interview below and get more information in the rest of the post beneath the video.&amp;nbsp;&lt;/p&gt;
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F299102%2FRent-Vs-Buy-June-17-2013-Interview-with-Matt-Mosler&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>choose a mortgage</category>
      <category>Rent vs. Buy</category>
      <pubDate>Tue, 18 Jun 2013 17:44:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/299102/Rent-Vs-Buy-June-17-2013-Interview-with-Matt-Mosler</guid>
      <dc:date>2013-06-18T17:44:00Z</dc:date>
    </item>
    <item>
      <title>Reasons to Refinance Before Summer</title>
      <link>https://blog.blrmortgage.com/blog/bid/295833/Reasons-to-Refinance-Before-Summer</link>
      <description>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p&gt;Wondering when the best time is to refinance your home?&amp;nbsp; There are many factors to consider when deciding if refinancing is best for you.&amp;nbsp; Whether it’s the time of year or the stage of your home ownership, refinancing could be beneficial.&amp;nbsp; I joined THV11’s Tom Brannon to talk about why you should consider refinancing your home before this summer season.&lt;/p&gt;
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p&gt;Wondering when the best time is to refinance your home?&amp;nbsp; There are many factors to consider when deciding if refinancing is best for you.&amp;nbsp; Whether it’s the time of year or the stage of your home ownership, refinancing could be beneficial.&amp;nbsp; I joined THV11’s Tom Brannon to talk about why you should consider refinancing your home before this summer season.&lt;/p&gt;
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F295833%2FReasons-to-Refinance-Before-Summer&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>How do I refinance</category>
      <category>refinance your home</category>
      <pubDate>Mon, 03 Jun 2013 16:31:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/295833/Reasons-to-Refinance-Before-Summer</guid>
      <dc:date>2013-06-03T16:31:00Z</dc:date>
    </item>
    <item>
      <title>Rent vs. Buy, May 14th Interview with Fox 16</title>
      <link>https://blog.blrmortgage.com/blog/bid/291250/Rent-vs-Buy-May-14th-Interview-with-Fox-16</link>
      <description>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p class="Pa4"&gt;Is renting or buying right for you? The decision to buy or rent depends on your current financial situation, your future plans and the lifestyle you want to live. Both options have their own set of benefits and potential drawbacks that should be carefully evaluated. I had the chance earlier this week to talk with Fox 16's Deedra Wilson on air about what you should consider when deciding to rent or buy.&lt;/p&gt;
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-migrated-cms-post"&gt;
 &lt;p class="Pa4"&gt;Is renting or buying right for you? The decision to buy or rent depends on your current financial situation, your future plans and the lifestyle you want to live. Both options have their own set of benefits and potential drawbacks that should be carefully evaluated. I had the chance earlier this week to talk with Fox 16's Deedra Wilson on air about what you should consider when deciding to rent or buy.&lt;/p&gt;
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F291250%2FRent-vs-Buy-May-14th-Interview-with-Fox-16&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>what is involved in buying a home</category>
      <pubDate>Thu, 16 May 2013 18:25:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/291250/Rent-vs-Buy-May-14th-Interview-with-Fox-16</guid>
      <dc:date>2013-05-16T18:25:00Z</dc:date>
    </item>
    <item>
      <title>Is Buying or Renting Right For You?</title>
      <link>https://blog.blrmortgage.com/blog/bid/290076/Is-Buying-or-Renting-Right-For-You</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/290076/Is-Buying-or-Renting-Right-For-You" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-34452293-jpg/images/139874677.jpg" alt="Is Buying or Renting Right For You?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;If you are about to move to a new area, you need to think about a few things before you sign a lease on an apartment or put a down payment on a mortgage. The decision to buy or rent depends on your current financial situation, your future plans and the lifestyle you want to live. Both options have their own set of benefits and potential drawbacks that should be carefully evaluated.&lt;/p&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/290076/Is-Buying-or-Renting-Right-For-You" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-34452293-jpg/images/139874677.jpg" alt="Is Buying or Renting Right For You?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;If you are about to move to a new area, you need to think about a few things before you sign a lease on an apartment or put a down payment on a mortgage. The decision to buy or rent depends on your current financial situation, your future plans and the lifestyle you want to live. Both options have their own set of benefits and potential drawbacks that should be carefully evaluated.&lt;/p&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F290076%2FIs-Buying-or-Renting-Right-For-You&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>How to buy a home</category>
      <category>choose a mortgage</category>
      <pubDate>Wed, 08 May 2013 14:43:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/290076/Is-Buying-or-Renting-Right-For-You</guid>
      <dc:date>2013-05-08T14:43:00Z</dc:date>
    </item>
    <item>
      <title>Monday Mortgage Memo: April 1, 2013</title>
      <link>https://blog.blrmortgage.com/blog/bid/282039/Monday-Mortgage-Memo-April-1-2013</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/282039/Monday-Mortgage-Memo-April-1-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: April 1, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;It's the first week of April and rates have changed, but have not increased. We promise this is not an April Fool's joke! Our 30-year fixed rate has dropped from 3.625 percent to 3.5 percent. Our 20-year fixed rate has fallen from 3.5 percent to 3.375 percent. And our 15-year fixed rate stepped down from 2.750 percent to 2.625 percent.&lt;/p&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/282039/Monday-Mortgage-Memo-April-1-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: April 1, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;p&gt;It's the first week of April and rates have changed, but have not increased. We promise this is not an April Fool's joke! Our 30-year fixed rate has dropped from 3.625 percent to 3.5 percent. Our 20-year fixed rate has fallen from 3.5 percent to 3.375 percent. And our 15-year fixed rate stepped down from 2.750 percent to 2.625 percent.&lt;/p&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F282039%2FMonday-Mortgage-Memo-April-1-2013&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Current mortgage rates</category>
      <category>choose a mortgage</category>
      <pubDate>Thu, 04 Apr 2013 21:15:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/282039/Monday-Mortgage-Memo-April-1-2013</guid>
      <dc:date>2013-04-04T21:15:00Z</dc:date>
    </item>
    <item>
      <title>Monday Mortgage Memo: March 18, 2013</title>
      <link>https://blog.blrmortgage.com/blog/bid/277020/Monday-Mortgage-Memo-March-18-2013</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/277020/Monday-Mortgage-Memo-March-18-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: March 18, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;div&gt;&lt;/div&gt; 
 &lt;div&gt; 
  &lt;p&gt;Rates have risen once again this month. Our 30-year fixed rate increased from 3.375 percent to 3.625 percent. Our 20-year fixed rate rose from 3.250 percent to 3.5 percent. And our 15-year fixed rate has risen from 2.625 percent to 2.750 percent.&lt;/p&gt; 
  &lt;p&gt;While rates are rising, the new house market is improving. Last year, housing permits hit their highest level since 2008 and 2012 saw a 20 percent increase in new home sales. If you are currently looking for your next home, you may see a wide selection of new houses for sale.&amp;nbsp;To see whether you should go with a brand new house or previously owned home, check out&amp;nbsp;&lt;a href="http://money.cnn.com/2013/03/01/real_estate/home-buying.moneymag/index.html?iid=SF_PF_River"&gt;this article from&amp;nbsp;&lt;/a&gt;&lt;em&gt;&lt;a href="http://money.cnn.com/2013/03/01/real_estate/home-buying.moneymag/index.html?iid=SF_PF_River"&gt;Money Magazine&lt;/a&gt;.&amp;nbsp;&lt;/em&gt;It offers the pros and cons of buying a new home and what questions you need to ask before you do.&amp;nbsp;&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Bank of Little Rock Mortgage has rolled out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We invite you to subscribe to&amp;nbsp;&lt;a href="https://blog.blrmortgage.com/blog"&gt;The Mortgage Statement&lt;/a&gt;. &amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to&amp;nbsp;&lt;a href="http://www.blrmortgage.com/get-preapproved-for-a-home-loan/"&gt;get prequalified for a mortgage online.&lt;/a&gt;&lt;/p&gt; 
  &lt;p&gt;If you have any questions, comments or concerns, we would love to hear from you. Just&amp;nbsp;&lt;a href="http://www.blrmortgage.com/contact-us/"&gt;contact us&lt;/a&gt;&amp;nbsp;and let us know what you need.&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Happy Monday,&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Scott McElmurry&lt;/p&gt; 
  &lt;p&gt;President &amp;amp; CEO of Bank of Little Rock Mortgage&lt;/p&gt; 
  &lt;p&gt;NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our&amp;nbsp;&lt;a href="http://www.blrmortgage.com/what-are-todays-mortgage-rates/"&gt;Today's Rates&lt;/a&gt;&amp;nbsp;page. &amp;nbsp;&lt;/p&gt; 
 &lt;/div&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/277020/Monday-Mortgage-Memo-March-18-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: March 18, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;div&gt;&lt;/div&gt; 
 &lt;div&gt; 
  &lt;p&gt;Rates have risen once again this month. Our 30-year fixed rate increased from 3.375 percent to 3.625 percent. Our 20-year fixed rate rose from 3.250 percent to 3.5 percent. And our 15-year fixed rate has risen from 2.625 percent to 2.750 percent.&lt;/p&gt; 
  &lt;p&gt;While rates are rising, the new house market is improving. Last year, housing permits hit their highest level since 2008 and 2012 saw a 20 percent increase in new home sales. If you are currently looking for your next home, you may see a wide selection of new houses for sale.&amp;nbsp;To see whether you should go with a brand new house or previously owned home, check out&amp;nbsp;&lt;a href="http://money.cnn.com/2013/03/01/real_estate/home-buying.moneymag/index.html?iid=SF_PF_River"&gt;this article from&amp;nbsp;&lt;/a&gt;&lt;em&gt;&lt;a href="http://money.cnn.com/2013/03/01/real_estate/home-buying.moneymag/index.html?iid=SF_PF_River"&gt;Money Magazine&lt;/a&gt;.&amp;nbsp;&lt;/em&gt;It offers the pros and cons of buying a new home and what questions you need to ask before you do.&amp;nbsp;&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Bank of Little Rock Mortgage has rolled out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We invite you to subscribe to&amp;nbsp;&lt;a href="https://blog.blrmortgage.com/blog"&gt;The Mortgage Statement&lt;/a&gt;. &amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to&amp;nbsp;&lt;a href="http://www.blrmortgage.com/get-preapproved-for-a-home-loan/"&gt;get prequalified for a mortgage online.&lt;/a&gt;&lt;/p&gt; 
  &lt;p&gt;If you have any questions, comments or concerns, we would love to hear from you. Just&amp;nbsp;&lt;a href="http://www.blrmortgage.com/contact-us/"&gt;contact us&lt;/a&gt;&amp;nbsp;and let us know what you need.&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Happy Monday,&amp;nbsp;&lt;/p&gt; 
  &lt;p&gt;Scott McElmurry&lt;/p&gt; 
  &lt;p&gt;President &amp;amp; CEO of Bank of Little Rock Mortgage&lt;/p&gt; 
  &lt;p&gt;NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our&amp;nbsp;&lt;a href="http://www.blrmortgage.com/what-are-todays-mortgage-rates/"&gt;Today's Rates&lt;/a&gt;&amp;nbsp;page. &amp;nbsp;&lt;/p&gt; 
 &lt;/div&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F277020%2FMonday-Mortgage-Memo-March-18-2013&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>How to buy a home</category>
      <category>Current mortgage rates</category>
      <pubDate>Mon, 18 Mar 2013 18:45:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/277020/Monday-Mortgage-Memo-March-18-2013</guid>
      <dc:date>2013-03-18T18:45:00Z</dc:date>
    </item>
    <item>
      <title>Monday Mortgage Memo: March 4, 2013</title>
      <link>https://blog.blrmortgage.com/blog/bid/273984/Monday-Mortgage-Memo-March-4-2013</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/273984/Monday-Mortgage-Memo-March-4-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: March 4, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;div&gt; 
  &lt;p&gt;&lt;br&gt;Mortgage rates have not changed since last week, continuing to stay steady through the month of February.&amp;nbsp;&lt;/p&gt; 
 &lt;/div&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/273984/Monday-Mortgage-Memo-March-4-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: March 4, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;div&gt; 
  &lt;p&gt;&lt;br&gt;Mortgage rates have not changed since last week, continuing to stay steady through the month of February.&amp;nbsp;&lt;/p&gt; 
 &lt;/div&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F273984%2FMonday-Mortgage-Memo-March-4-2013&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Current mortgage rates</category>
      <category>choose a mortgage</category>
      <pubDate>Tue, 05 Mar 2013 23:53:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/273984/Monday-Mortgage-Memo-March-4-2013</guid>
      <dc:date>2013-03-05T23:53:00Z</dc:date>
    </item>
    <item>
      <title>Monday Mortgage Memo: February 19, 2013</title>
      <link>https://blog.blrmortgage.com/blog/bid/273982/Monday-Mortgage-Memo-February-19-2013</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/273982/Monday-Mortgage-Memo-February-19-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: February 19, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;div&gt; 
  &lt;p&gt;&lt;br&gt;&lt;/p&gt; 
  &lt;div&gt; 
   &lt;p&gt;Mortgage rates have not changed since last week, continuing to stay steady through the month of February.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;In a recent study released by Freddie Mac, 27 percent of borrowers refinanced during 2012's fourth quarter to a shortened payment term and 95 percent switched to a fixed-rate loan. With rates more likely to rise rather than fall, it is wise to choose a fixed-rate loan over an adjustable-rate loan. For more information,&amp;nbsp;&lt;a href="http://finance.yahoo.com/news/27-percent-borrowers-refinance-shorten-185645479.html"&gt;read the entire study on Yahoo! Finance&lt;/a&gt;. And if you are considering a refinance before rates climb higher, be sure to consider a fixed-rate at a shorter term.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Bank of Little Rock Mortgage is also rolling out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We call it&amp;nbsp;&lt;a href="https://blog.blrmortgage.com/blog"&gt;The Mortgage Statement&lt;/a&gt;. &amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to&amp;nbsp;&lt;a href="http://www.blrmortgage.com/get-preapproved-for-a-home-loan/"&gt;get prequalified for a mortgage online.&lt;/a&gt;&lt;/p&gt; 
   &lt;p&gt;If you have any questions, comments or concerns, we would love to hear from you. Just&amp;nbsp;&lt;a href="http://www.blrmortgage.com/contact-us/"&gt;contact us&lt;/a&gt;&amp;nbsp;and let us know what you need.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Happy Monday,&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Scott McElmurry&lt;/p&gt; 
   &lt;p&gt;President &amp;amp; CEO of Bank of Little Rock Mortgage&lt;/p&gt; 
   &lt;p&gt;NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our&amp;nbsp;&lt;a href="http://www.blrmortgage.com/what-are-todays-mortgage-rates/"&gt;Today's Rates&lt;/a&gt;&amp;nbsp;page. &amp;nbsp;&lt;/p&gt; 
  &lt;/div&gt; 
 &lt;/div&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://blog.blrmortgage.com/blog/bid/273982/Monday-Mortgage-Memo-February-19-2013" title="" class="hs-featured-image-link"&gt; &lt;img src="https://blog.blrmortgage.com/hs-fs/file-28702721-jpeg/images/blrm_email20banner_green_600x2002.jpeg" alt="Monday Mortgage Memo: February 19, 2013" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;div class="hs-migrated-cms-post"&gt; 
 &lt;span&gt;&lt;/span&gt; 
 &lt;div&gt; 
  &lt;p&gt;&lt;br&gt;&lt;/p&gt; 
  &lt;div&gt; 
   &lt;p&gt;Mortgage rates have not changed since last week, continuing to stay steady through the month of February.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;In a recent study released by Freddie Mac, 27 percent of borrowers refinanced during 2012's fourth quarter to a shortened payment term and 95 percent switched to a fixed-rate loan. With rates more likely to rise rather than fall, it is wise to choose a fixed-rate loan over an adjustable-rate loan. For more information,&amp;nbsp;&lt;a href="http://finance.yahoo.com/news/27-percent-borrowers-refinance-shorten-185645479.html"&gt;read the entire study on Yahoo! Finance&lt;/a&gt;. And if you are considering a refinance before rates climb higher, be sure to consider a fixed-rate at a shorter term.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Bank of Little Rock Mortgage is also rolling out a new blog to provide our experience and expertise on mortgage finance, written in plain English for you to follow easily. We call it&amp;nbsp;&lt;a href="https://blog.blrmortgage.com/blog"&gt;The Mortgage Statement&lt;/a&gt;. &amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Are you interested in seeing if you prequalify for a home loan? We have a quick-and-easy way for you to&amp;nbsp;&lt;a href="http://www.blrmortgage.com/get-preapproved-for-a-home-loan/"&gt;get prequalified for a mortgage online.&lt;/a&gt;&lt;/p&gt; 
   &lt;p&gt;If you have any questions, comments or concerns, we would love to hear from you. Just&amp;nbsp;&lt;a href="http://www.blrmortgage.com/contact-us/"&gt;contact us&lt;/a&gt;&amp;nbsp;and let us know what you need.&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Happy Monday,&amp;nbsp;&lt;/p&gt; 
   &lt;p&gt;Scott McElmurry&lt;/p&gt; 
   &lt;p&gt;President &amp;amp; CEO of Bank of Little Rock Mortgage&lt;/p&gt; 
   &lt;p&gt;NOTE: Your mortgage rate can be affected by a number of factors, including your credit score, loan-to-value ratio, your down payment and the loan program you choose. No matter what, we'll always find you the best mortgage loan at the best rate, guaranteed. For more information, visit our&amp;nbsp;&lt;a href="http://www.blrmortgage.com/what-are-todays-mortgage-rates/"&gt;Today's Rates&lt;/a&gt;&amp;nbsp;page. &amp;nbsp;&lt;/p&gt; 
  &lt;/div&gt; 
 &lt;/div&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=168390&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fblog.blrmortgage.com%2Fblog%2Fbid%2F273982%2FMonday-Mortgage-Memo-February-19-2013&amp;amp;bu=https%253A%252F%252Fblog.blrmortgage.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Mon, 18 Feb 2013 19:37:00 GMT</pubDate>
      <author>smcelmurry@blrmortgage.com (Scott McElmurry)</author>
      <guid>https://blog.blrmortgage.com/blog/bid/273982/Monday-Mortgage-Memo-February-19-2013</guid>
      <dc:date>2013-02-18T19:37:00Z</dc:date>
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