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	<title>Mortgage Advice - Credit Advice &#187; First Time Home Buyer</title>
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	<link>http://www.genuinemortgageadvice.com</link>
	<description>2010 mortgage advice and credit advice.  Read.  Learn.  Share.</description>
	<lastBuildDate>Mon, 03 May 2010 14:14:22 +0000</lastBuildDate>
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		<title>How To Get A Good Price On A Home</title>
		<link>http://www.genuinemortgageadvice.com/how-to-get-a-good-price-on-a-home/</link>
		<comments>http://www.genuinemortgageadvice.com/how-to-get-a-good-price-on-a-home/#comments</comments>
		<pubDate>Sat, 03 Apr 2010 15:59:43 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://www.genuinemortgageadvice.com/?p=736</guid>
		<description><![CDATA[

After years of working in the real estate business, I&#8217;ve learned one of the most important things a buyer needs to know in order to get the best price on a home.  There is only one reason why people look to buy foreclosed homes, they think they will get a great deal for the home.  Just like [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>How To Figure Out The Value Of A Home</title>
		<link>http://www.genuinemortgageadvice.com/how-to-figure-out-the-value-of-a-home/</link>
		<comments>http://www.genuinemortgageadvice.com/how-to-figure-out-the-value-of-a-home/#comments</comments>
		<pubDate>Wed, 24 Mar 2010 23:41:54 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>

		<guid isPermaLink="false">http://www.genuinemortgageadvice.com/?p=733</guid>
		<description><![CDATA[This kind of mortgage advice can come in handy when looking to buy a home.
The home value is determined by similar homes that have recently sold in the area.
Here is an easy example:
The subject property, meaning the home you are looking at buying, is your standard 3 bedroom, colonial, with about 1500 square feet. Now, [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>First Time Home Buyer Tax Credit Extended Into 2010!</title>
		<link>http://www.genuinemortgageadvice.com/first-time-home-buyer-tax-credit-extended-into-2010/</link>
		<comments>http://www.genuinemortgageadvice.com/first-time-home-buyer-tax-credit-extended-into-2010/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 12:39:26 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.genuinemortgageadvice.com/?p=626</guid>
		<description><![CDATA[Congress plans to extend this credit into next year and also add a new credit of $6500 for existing home owners.
If you have been a homeowner for 5 years or more, you may qualify for the $6500 on a new home purchase next year.
Read more&#8230;
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rural Housing Mortagage Loan In Wisconsin</title>
		<link>http://www.genuinemortgageadvice.com/rural-housing-mortagage-loan-in-wisconsin/</link>
		<comments>http://www.genuinemortgageadvice.com/rural-housing-mortagage-loan-in-wisconsin/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 20:27:11 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[wisconsin mortgage]]></category>
		<category><![CDATA[rural housing]]></category>

		<guid isPermaLink="false">http://www.genuinemortgageadvice.com/?p=598</guid>
		<description><![CDATA[By far, this no down payment mortgage loan has become very popular with first time home buyers this year.  Specifically, Wisconsin has many areas in which the property you are looking to purchase will be eligible for this program.  Wisconsin mainly consists of rural areas.
Here is a direct link to a map that shows the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Online Mortgage Brokers: What Should You Ask Them?</title>
		<link>http://www.genuinemortgageadvice.com/online-mortgage-brokers-what-should-you-ask-them/</link>
		<comments>http://www.genuinemortgageadvice.com/online-mortgage-brokers-what-should-you-ask-them/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 17:39:55 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Other Advice]]></category>
		<category><![CDATA[online mortgage brokers]]></category>

		<guid isPermaLink="false">http://www.genuinelending.com/?p=453</guid>
		<description><![CDATA[If you’re considering obtaining a mortgage loan or refinancing your current mortgage, it is most likely that you’ve thought about seeking the assistance of an online mortgage broker. While the task appears to be quite easy, you should follow some valuable tips in order to ensure you don’t come across any hitches in the process.

The [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Advice When Buying A Home In 2009</title>
		<link>http://www.genuinemortgageadvice.com/mortgage-advice-when-buying-a-home-in-2009/</link>
		<comments>http://www.genuinemortgageadvice.com/mortgage-advice-when-buying-a-home-in-2009/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 21:04:04 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[mortgage advice]]></category>

		<guid isPermaLink="false">http://www.genuinelending.com/?p=371</guid>
		<description><![CDATA[Since this blog has been around for almost 2 years now, many new readers may not be aware of some of the other helpful mortgage advice topics that have been shared in the past.  First time home buyers seem to be the type of buyers that are actively looking to buy a home this year, so [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Typical Down Payment On A First Home (or any house)</title>
		<link>http://www.genuinemortgageadvice.com/typical-down-payment-on-a-first-home-or-any-house/</link>
		<comments>http://www.genuinemortgageadvice.com/typical-down-payment-on-a-first-home-or-any-house/#comments</comments>
		<pubDate>Tue, 24 Mar 2009 16:02:10 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>

		<guid isPermaLink="false">http://www.genuinelending.com/?p=265</guid>
		<description><![CDATA[// 

The down payment seems to be one of the most important factors in buying a home.  As it should be, because the more money you put down, the lower your total monthly mortgage payment will be.
A down payment should be determined by the following questions:
1.  How much can you afford?
Your down payment should NOT [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/typical-down-payment-on-a-first-home-or-any-house/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New Tax Credit For First Time Home Buyers This Year</title>
		<link>http://www.genuinemortgageadvice.com/new-tax-credit-for-first-time-home-buyers-this-year/</link>
		<comments>http://www.genuinemortgageadvice.com/new-tax-credit-for-first-time-home-buyers-this-year/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 17:06:59 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[government programs]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.genuinelending.com/?p=214</guid>
		<description><![CDATA[Free money, yes free money for buying a home this year!
You can get a tax credit of $8000 or 10% of the purchase price (whichever is less) that you can claim on 2008 or 2009 taxes if you bought or plan on buying a home this year.
Unlike the first time home buyer tax credit last year, you [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/new-tax-credit-for-first-time-home-buyers-this-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Down Payment. No PMI. No Minimum Credit Score</title>
		<link>http://www.genuinemortgageadvice.com/no-down-payment-no-pmi-no-minimum-credit-score/</link>
		<comments>http://www.genuinemortgageadvice.com/no-down-payment-no-pmi-no-minimum-credit-score/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 05:42:18 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[No Money Down Mortgage Loans]]></category>
		<category><![CDATA[PMI]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/?p=160</guid>
		<description><![CDATA[// 

How is this possible?  One, if not all, of those three things can prevent a person from being pre-approved for a mortgage loan in Wisconsin.

Well, good news, there has been a mortgage program that has been around for awhile and now it has started to become more popular than ever.  The recent events of [...]]]></description>
		<wfw:commentRss>http://www.genuinemortgageadvice.com/no-down-payment-no-pmi-no-minimum-credit-score/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Do You Think A 6.0% Interest Rate Is Too High?</title>
		<link>http://www.genuinemortgageadvice.com/do-you-think-a-60-interest-rate-is-too-high/</link>
		<comments>http://www.genuinemortgageadvice.com/do-you-think-a-60-interest-rate-is-too-high/#comments</comments>
		<pubDate>Sat, 13 Sep 2008 16:11:19 +0000</pubDate>
		<dc:creator>Joshua Bucio</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://genuinelending.wordpress.com/?p=93</guid>
		<description><![CDATA[
A reality check perhaps?  This chart shows the trend of the 30 year fixed interest rate for the last 37 years.  Let&#8217;s say it&#8217;s the 1980&#8217;s and you are looking for a home.  You give me a call about getting yourself pre-approved for a new home loan and I share with you how the rates [...]]]></description>
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		<slash:comments>3</slash:comments>
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