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	<title>The First Lady Of Finance® &#187; General Info</title>
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	<link>http://www.firstladyoffinance.com</link>
	<description>Find out all about smart home financing.</description>
	<lastBuildDate>Fri, 16 Apr 2010 08:34:13 +0000</lastBuildDate>
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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>

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		<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>Tax Credit Update</title>
		<link>http://www.firstladyoffinance.com/2010/04/06/tax-credit-update/</link>
		<comments>http://www.firstladyoffinance.com/2010/04/06/tax-credit-update/#comments</comments>
		<pubDate>Tue, 06 Apr 2010 22:01:10 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Tax Credit]]></category>

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		<description><![CDATA[For those of you worrying about loosing out on the federal tax credit for first-time homebuyers, California is working on its own tax credit.  I&#8217;ll post more details soon!
]]></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>

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		<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>Helpful Documents for Your Application Appointment</title>
		<link>http://www.firstladyoffinance.com/2010/02/20/helpful-documents-for-your-application-process/</link>
		<comments>http://www.firstladyoffinance.com/2010/02/20/helpful-documents-for-your-application-process/#comments</comments>
		<pubDate>Sat, 20 Feb 2010 22:06:35 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loan Application]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=33</guid>
		<description><![CDATA[Documents to bring when it is time to meet with the loan officer.]]></description>
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		<item>
		<title>Welcome to my new blog&#8230;</title>
		<link>http://www.firstladyoffinance.com/2009/11/15/hello-world/</link>
		<comments>http://www.firstladyoffinance.com/2009/11/15/hello-world/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 01:13:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General Info]]></category>

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		<description><![CDATA[Not much to see here just yet, but this is a work-in-progress.  Keep checking back for more news and info.  Until then, keep up-to-date with my weekly column in the Sunday Sacramento Bee.
Have a great day!
Michele Dillingham
]]></description>
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