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	<title>The First Lady Of Finance®</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>

		<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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		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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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>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/2010/04/06/tax-credit-update/</guid>
		<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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		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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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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		<slash:comments>1</slash:comments>
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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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		<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>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=29</guid>
		<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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		<slash:comments>0</slash:comments>
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		<title>Short Sales Not Short!</title>
		<link>http://www.firstladyoffinance.com/2010/01/26/short-sales-not-short/</link>
		<comments>http://www.firstladyoffinance.com/2010/01/26/short-sales-not-short/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 07:59:59 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Sales]]></category>
		<category><![CDATA[Terms]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=27</guid>
		<description><![CDATA[One of the biggest oxymorons is the term Short Sale! Short Sales may be many things but they are never &#8220;short&#8221; in duration. Short Sales are where the buyer owes more than the value of the home versus REO’s where the home has been foreclosed on and the bank owns the property.
Some people think that [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit and FICO® Scores</title>
		<link>http://www.firstladyoffinance.com/2010/01/07/credit-and-fico-scores/</link>
		<comments>http://www.firstladyoffinance.com/2010/01/07/credit-and-fico-scores/#comments</comments>
		<pubDate>Thu, 07 Jan 2010 20:35:16 +0000</pubDate>
		<dc:creator>Michele</dc:creator>
				<category><![CDATA[Your Credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Escrow]]></category>

		<guid isPermaLink="false">http://www.firstladyoffinance.com/?p=8</guid>
		<description><![CDATA[Update: Corrected to show the true range of FICO® scores.  Previously it had been identified as 400-850.  It is actually 300-850.
How people look at credit varies greatly. Some borrowers        are concerned if they once had a three-day late on some payment while     [...]]]></description>
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		<slash:comments>1</slash:comments>
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