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	<title>The First Lady Of Finance® &#187; Past Sacramento Bee Articles</title>
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	<description>Find out all about smart home financing.</description>
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		<title>Be Proactive with Time</title>
		<link>http://www.firstladyoffinance.com/2010/04/16/be-proactive-with-time/</link>
		<comments>http://www.firstladyoffinance.com/2010/04/16/be-proactive-with-time/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 08:34:13 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=40</guid>
		<description><![CDATA[From my March 28th, 2010 column in the Sacramento Bee…
If  you are buying your first  home, chances are you are dealing  with more  than what first time homebuyers have dealt with in the past.  One   reason is that today most of the homes on the market are either [...]]]></description>
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		<title>Neighborworks® Offers Programs</title>
		<link>http://www.firstladyoffinance.com/2010/04/14/neighborworks%c2%ae-offers-programs/</link>
		<comments>http://www.firstladyoffinance.com/2010/04/14/neighborworks%c2%ae-offers-programs/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 08:32:56 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Loan programs]]></category>
		<category><![CDATA[Sacramento]]></category>
		<category><![CDATA[Sacramento Bee]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=39</guid>
		<description><![CDATA[From my March 14th, 2010 column in the Sacramento Bee…
Help with downpayment  and closing costs is one of the main things  so many first time buyers need. Recently many of the programs that were  previously available have not been because they have been out of funds.  One of  the places [...]]]></description>
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		<title>Overlays Add to the Humps</title>
		<link>http://www.firstladyoffinance.com/2010/03/08/overlays-add-to-the-humps/</link>
		<comments>http://www.firstladyoffinance.com/2010/03/08/overlays-add-to-the-humps/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 17:00:36 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Terms]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=37</guid>
		<description><![CDATA[From my February 28th, 2010 column in the Sacramento Bee&#8230;
The loan process has many layers and is often  overwhelming to  borrowers especially with everything changing so often. In making mortgage  loans, lenders use guidelines regarding the borrowers and the  property. During  the early 2000’s, guidelines were relaxed quite a bit [...]]]></description>
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		<title>Terms Help Process</title>
		<link>http://www.firstladyoffinance.com/2010/03/06/terms-help-process/</link>
		<comments>http://www.firstladyoffinance.com/2010/03/06/terms-help-process/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 17:09:36 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Terms]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=36</guid>
		<description><![CDATA[From my column February 21st, 2010 column in the Sacramento Bee&#8230;
Knowing the terminology when you are shopping for a home helps. Here are a few terms that may have confused you.

MORTGAGE INSURANCE—Mortgage insurance (MI) is what the borrower pays if there is there is less than a 20 percent downpayment. MI insures the lender because [...]]]></description>
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		<title>Love Tax Time!</title>
		<link>http://www.firstladyoffinance.com/2010/03/04/love-tax-time/</link>
		<comments>http://www.firstladyoffinance.com/2010/03/04/love-tax-time/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 01:09:27 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Past Sacramento Bee Articles]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=35</guid>
		<description><![CDATA[From my February 14th, 2010  column in the Sacramento Bee &#8230;
Tax time is one of my favorite times! No, I’m neither  crazy nor an  accountant but tax time in that special time of year when people—even  the most  disorganized—seem to get organized at least as far as what I need. They [...]]]></description>
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