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	<title>NC FHA Expert &#187; First Time Home Buyer</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
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		<title>Buy a House, Get a Raise!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 13:14:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[benefits of homeownership]]></category>
		<category><![CDATA[buying forelcosed homes]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how to buy foreclosed homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[steve thorne]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=142</guid>
		<description><![CDATA[Buy a House, Get a Raise! I&#8217;ve told people this for years, and they don&#8217;t always understand.  You see, when you purchase a house, it gives you a tax incentive, and so if you are paying $1200 a month for a mortgage payment you are likely writing off at least $400 a month in interest [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>Credit Score Basics &#8211; For First Time Homebuyers</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 13:25:46 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how credit scores work]]></category>
		<category><![CDATA[improve credit scores]]></category>
		<category><![CDATA[improve fico score]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=300</guid>
		<description><![CDATA[For instance the "Free Credit Score.com" jingle that folks listen to, and then PAY for doesn't have a matrix that is anywhere close to the "Mortgage" matrix we must use to score you!  We've seen many people who thought their credit score was "up" to 640 - when we pulled it and found that the score was actually 618, the customer thought we were crazy!  We weren't... there's just a difference between a Mortgage Report Score, A Medical Credit Score, and a Retail Credit Score.]]></description>
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		<title>First Time Homebuyers &#8211; Don&#8217;t Just Check On The Rate!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/first-time-homebuyers-dont-just-check-on-the-rate/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/first-time-homebuyers-dont-just-check-on-the-rate/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 14:34:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[1st time home buyer programs]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[first time homebuyer programs]]></category>
		<category><![CDATA[steve thorne mortgage]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1744</guid>
		<description><![CDATA[&#160; There are tons of first time homebuyers out there negotiating the best deal on their new home, and now it&#8217;s time to get a mortgage. Most of them only know how to ask one question:  What&#8217;s the Rate? We&#8217;ve been in the mortgage business for over 20 years &#8211; and the only thing most [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Step By Step :  Buying Your First Home in NC</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/step-by-step-buying-your-first-home/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/step-by-step-buying-your-first-home/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 15:53:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[first time home buyer program raleigh]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[first time homebuyer cary]]></category>
		<category><![CDATA[first time homebuyers]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1517</guid>
		<description><![CDATA[So You Want to Buy A House?   Relax!  Breahe!  You CAN DO THIS!!  We&#8217;ve helped hundreds of families in North Carolina purchase their first home!  This can be a little overwhelming, but it doesn&#8217;t have to be!  Here&#8217;s our guide for purchasing a home in NC. Step by Step Homebuying   Step 1.  Financing&#8230; Remember these words, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Things to Avoid Before Buying A Home</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/things-to-avoid-before-buying-a-home/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/things-to-avoid-before-buying-a-home/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 12:02:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit pulled before closing]]></category>
		<category><![CDATA[dap from nc housing]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[income ceiling requirements]]></category>
		<category><![CDATA[maximum income nc housing]]></category>
		<category><![CDATA[nc housing finance program]]></category>
		<category><![CDATA[nc housing mcc]]></category>
		<category><![CDATA[usda home loans in nc]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1843</guid>
		<description><![CDATA[Many new homebuyers make the mistake of rushing out to buy things to fill their home with as soon as the seller accepts their purchase offer and the lender pre-approves their loan. But there are still a few major hurdles to overcome before the keys are handed out. Don&#8217;t Shoot Yourself in the Foot! Here [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Seller Paying Closing Costs For Your New Home?</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/seller-paying-your-closing-costs-for-your-new-home/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/seller-paying-your-closing-costs-for-your-new-home/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 22:13:52 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[closing costs paid by seller]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[seller concessions]]></category>
		<category><![CDATA[seller paid closing costs]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1233</guid>
		<description><![CDATA[Sellers can pay the closing costs for the buyer in many cases &#8211; however, just like everything else associated with getting a mortgage these days, you need to know the rules, to be sure the underwriters will accept it!  Ignorance of the rules can turn a seller contribution to closing costs into a Catch-22. Why [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Write a Contract With A DAP</title>
		<link>http://ncfhaexpert.com/fha/how-to-write-a-contract-with-a-dap/</link>
		<comments>http://ncfhaexpert.com/fha/how-to-write-a-contract-with-a-dap/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 20:50:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[dap nc housing]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[nc housing]]></category>
		<category><![CDATA[nc housing 8000 dap]]></category>
		<category><![CDATA[nc housing down payment assistance]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[nc housing finance program]]></category>
		<category><![CDATA[nc housing mcc]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1544</guid>
		<description><![CDATA[First off &#8211; A DAP is the &#8220;mortgage babble term&#8221; for DownPayment Assistance Programs.  These programs USE to be funded by a SELLER paid contribution &#8211; these days, however, &#8220;the Home seller can only help buyers pay closing costs by giving a portion of their proceeds back to the buyer at closing, in the form [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>5 Things a NC First Time Home Buyer Should Know</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/5-things-a-nc-first-time-home-buyer-should-know/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/5-things-a-nc-first-time-home-buyer-should-know/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:34:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[1st time home buyer programs]]></category>
		<category><![CDATA[first time homebuyer programs]]></category>
		<category><![CDATA[fist time homebuyer]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1833</guid>
		<description><![CDATA[So you’re ready to move out on your own, and Kiss Your Landlord Good-bye?  CONGRATULATIONS! Here are FIVE THINGS we think every First Time Home Buyer should consider before making that move: When you buy a House – you get a Raise!  Uncle Sam definately sees benefits in having homeowners, so you get to “write [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy a House &#8211; Get a Raise!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 20:20:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[best mortgage rates cary]]></category>
		<category><![CDATA[buy a house get a raise]]></category>
		<category><![CDATA[first time home buyer programs raleigh]]></category>
		<category><![CDATA[mortgage lender cary]]></category>
		<category><![CDATA[rent versus own]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1528</guid>
		<description><![CDATA[Have you filled out your taxes yet?  Are you getting a refund?  NO?!?!  You might need to buy a house! Many times we talk to homebuyers (especially first time home buyers) who tell us that they &#8220;want to keep their payments around where they are now.&#8221;  Meaning that if they are paying $1200 a month in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Take The $12,000 Financing Package Builder Pushes???</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/should-you-take-the-12000-financing-package-builder-pushes/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/should-you-take-the-12000-financing-package-builder-pushes/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 21:59:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[2-1 buydown]]></category>
		<category><![CDATA[builder deals]]></category>
		<category><![CDATA[builder offered loan packages]]></category>
		<category><![CDATA[first time home buyer program]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1616</guid>
		<description><![CDATA[It&#8217;s easy to be mesmerized by the ads. Your mortgage rate will be 2.5% the first year, 3.5% the second year and then FIXED at 4.75% for the rest of the time you own your home!  You get a HUGE Tax advantage because you can write all of that upfront interest off!  Beautiful New Home! [...]]]></description>
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