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	<title>Home Buying Different &#187; Home Buyer Education</title>
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	<link>http://www.homebuyingdifferent.com</link>
	<description>Educating and Empowering Homebuyers</description>
	<lastBuildDate>Mon, 28 Jun 2010 12:10:41 +0000</lastBuildDate>
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		<title>Home Previewing Tips</title>
		<link>http://www.homebuyingdifferent.com/2009/11/21/home-previewing-tips/</link>
		<comments>http://www.homebuyingdifferent.com/2009/11/21/home-previewing-tips/#comments</comments>
		<pubDate>Sat, 21 Nov 2009 20:50:25 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>

		<guid isPermaLink="false">http://www.homebuyingdifferent.com/?p=1670</guid>
		<description><![CDATA[Here are some of the best tips we&#8217;ve gathered over the years for home buyers to use when previewing homes. Here are the topics we will cover: How to do your homework What to bring to your appointment Previewing from the &#8220;Outside-In&#8221; Tools to download and use Doing your Homework It is very common for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Crayon Post: Interest Rates Matter</title>
		<link>http://www.homebuyingdifferent.com/2009/08/20/crayon-post-interest-rates-matter/</link>
		<comments>http://www.homebuyingdifferent.com/2009/08/20/crayon-post-interest-rates-matter/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 05:07:28 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[crayon]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1453</guid>
		<description><![CDATA[This afternoon I went to lunch with a good broker friend of mine Luetta. She ended up giving me an earful for being too serious with my blog posts. As many know, I&#8217;m passionate about providing quality information and educating homebuyers, so I will admit I do spend too much time writing blog posts (somedays). [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
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		<title>Top 10 Myths Shared by First Time Homebuyers</title>
		<link>http://www.homebuyingdifferent.com/2009/08/18/top-10-myths-shared-by-first-time-homebuyers/</link>
		<comments>http://www.homebuyingdifferent.com/2009/08/18/top-10-myths-shared-by-first-time-homebuyers/#comments</comments>
		<pubDate>Tue, 18 Aug 2009 22:42:41 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[FAQ]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[top 10]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1394</guid>
		<description><![CDATA[This morning I came across an article listing the top 10 myths shared by first time homebuyers. While I don&#8217;t believe all of these are as common as they would have us believe, these are some excellent and very valuable myths to discuss. Here are the Top 10 Myths: All real estate agents are the [...]]]></description>
		<wfw:commentRss>http://www.homebuyingdifferent.com/2009/08/18/top-10-myths-shared-by-first-time-homebuyers/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>FAQ: Why Do I Have to Pay the Hazard Insurance Premium Up Front?</title>
		<link>http://www.homebuyingdifferent.com/2009/08/03/question-why-do-i-have-to-pay-the-hazard-insurance-premium-up-front/</link>
		<comments>http://www.homebuyingdifferent.com/2009/08/03/question-why-do-i-have-to-pay-the-hazard-insurance-premium-up-front/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 18:24:59 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[hazard insurance]]></category>
		<category><![CDATA[home owners insurance]]></category>
		<category><![CDATA[question]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1378</guid>
		<description><![CDATA[The hazard insurance premium, (also known as homeowner&#8217;s insurance) is an interesting topic. While homeowner&#8217;s/hazard insurance is commonly looked at as being voluntary on the homeowner&#8217;s part, it is typically something the lender will require the homeowner to have. In fact, Arizona&#8217;s state banking laws require lenders to collect a year of insurance upfront. Essentially [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>So Many Types of Loans, How Does One Choose?</title>
		<link>http://www.homebuyingdifferent.com/2009/07/22/so-many-types-of-loans-how-does-one-choose/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/22/so-many-types-of-loans-how-does-one-choose/#comments</comments>
		<pubDate>Wed, 22 Jul 2009 13:00:17 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[amortized]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1148</guid>
		<description><![CDATA[When talking to a loan officer, you will normally hear about the traditional types of loans. In this market you might only hear about FHA loans because they are becoming so popular and universal. However, a good loan officer should be able to give you additional financing options to help you make the best decision [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>What Closing Costs Do You Have to Pay for at the Closing Table?</title>
		<link>http://www.homebuyingdifferent.com/2009/07/21/what-closing-costs-do-you-have-to-pay-for-at-the-closing-table/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/21/what-closing-costs-do-you-have-to-pay-for-at-the-closing-table/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 13:00:14 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[home buying process]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1134</guid>
		<description><![CDATA[This question was sent to me twice last week, so I thought I would post the answer in blog for anyone else looking for this answer. Below you&#8217;ll find a laundry list of the fees you will most likely see in a real estate transaction. When deciding who pays for what fees, that will depend [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Can I Pay Someone to Just Repair My Credit?</title>
		<link>http://www.homebuyingdifferent.com/2009/07/15/can-i-pay-someone-to-just-repair-my-credit/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/15/can-i-pay-someone-to-just-repair-my-credit/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 13:00:52 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[FICO]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1070</guid>
		<description><![CDATA[We&#8217;ve all seen the countless ads for companies offering to fix your credit for low fees. The truth is those companies can&#8217;t deliver and often you don&#8217;t find out until after you have paid them hundreds or thousands of dollars in fees. The Federal Trade Commission, (FTC) states &#8220;self help is the best way to [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The 8 Phases of Stress for Homebuyers</title>
		<link>http://www.homebuyingdifferent.com/2009/07/14/the-8-phases-of-stress-for-home-buyers/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/14/the-8-phases-of-stress-for-home-buyers/#comments</comments>
		<pubDate>Tue, 14 Jul 2009 13:00:05 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[stress]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=1007</guid>
		<description><![CDATA[Recently a buyer reminded me of our initial conversation when I explained to him the three most stressful life experiences. Top Three Most Stressful Life Experiences Death Divorce Moving The client had already been through a divorce, so I don&#8217;t think he took me very seriously. After all how stressful can buying a home be? [...]]]></description>
		<wfw:commentRss>http://www.homebuyingdifferent.com/2009/07/14/the-8-phases-of-stress-for-home-buyers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Big 3 &#8211; Loan Programs</title>
		<link>http://www.homebuyingdifferent.com/2009/07/08/big-3-loan-programs/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/08/big-3-loan-programs/#comments</comments>
		<pubDate>Wed, 08 Jul 2009 19:20:07 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[conventional]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[veteran]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=926</guid>
		<description><![CDATA[In the world of lending there are countless factors involved in a securing a loan for a home purchase. Other articles will delve deeper into the intricacies involved with obtaining a loan. This article will give you an overview of the three main loan programs available. When you begin researching loan programs, be sure to [...]]]></description>
		<wfw:commentRss>http://www.homebuyingdifferent.com/2009/07/08/big-3-loan-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Taking a Closer Look at Home Inspections</title>
		<link>http://www.homebuyingdifferent.com/2009/07/07/taking-a-closer-look-at-home-inspections/</link>
		<comments>http://www.homebuyingdifferent.com/2009/07/07/taking-a-closer-look-at-home-inspections/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 18:08:32 +0000</pubDate>
		<dc:creator>Marcus Fleming</dc:creator>
				<category><![CDATA[Home Buyer Education]]></category>
		<category><![CDATA[home inspections]]></category>
		<category><![CDATA[Inspections]]></category>

		<guid isPermaLink="false">http://homebuyingdifferent.com/?p=943</guid>
		<description><![CDATA[You&#8217;ve found the house you want to call home and you&#8217;ve come to agreement with the sellers on the terms of the contract. Now its time to do your due diligence and make sure the home is in good shape. Depending on the home and its condition you might have more than one inspection performed. [...]]]></description>
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		<slash:comments>0</slash:comments>
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