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	<title>The First Lady Of Finance® &#187; Home Purchase</title>
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	<link>http://www.firstladyoffinance.com</link>
	<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>

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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>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>

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		<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>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>

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		<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>Home Purchase Tax Credits</title>
		<link>http://www.firstladyoffinance.com/2010/01/31/home-purchase-tax-credits/</link>
		<comments>http://www.firstladyoffinance.com/2010/01/31/home-purchase-tax-credits/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 03:46:39 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Tax Credit]]></category>

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		<description><![CDATA[Some people are confused about the  Tax Credits whether they are filing this year or hoping to use it for a purchase  this year. This page at Internal Revenue Service website will lead you directly to  information on the Tax Credit.  You will  need to file certain forms and bring in some papers from [...]]]></description>
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