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		<title>Misconceptions of First Time Home Buying &amp; First Time Mortgages</title>
		<description><![CDATA[Buying your first home can be an exhilarating experience, but it can also be extremely stressful, especially if your mortgage company fails to keep you informed or help you through the buying process. Although the current housing market in Baltimore provides great opportunities for first-time home buyers–with FHA loans, tax credits, assistance for down payments [...]]]></description>
		<link>http://consultingrealestate.com/misconceptions-of-first-time-home-buying-first-time-mortgages/</link>
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		<title>Will Obama&#8217;s $33 Billion Tax Credit Help Stall The Foreclosure Problem</title>
		<description><![CDATA[It is no secret that a large part of the current wave of foreclosures is due to the high unemployment rates ravaging the country; home owners without jobs have difficulty making mortgage payments and many of them have ended up with homes teetering on the brink of foreclosure. To help alleviate the problem, the President [...]]]></description>
		<link>http://consultingrealestate.com/will-obamas-33-billion-tax-credit-help-stall-the-foreclosure-problem/</link>
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		<title>How Mortgage Rates Are Determined</title>
		<description><![CDATA[You are ready to buy a home and now are looking at obtaining a mortgage. As you begin your research you are most likely educating yourself on how mortgage rates are set and what causes them to change. There are a number of reasons mortgage rates go up and down. The first is Bond Prices. [...]]]></description>
		<link>http://consultingrealestate.com/how-mortgage-rates-are-determined/</link>
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		<title>What Your Remodeling Contract Should Say</title>
		<description><![CDATA[Review your remodeling contract carefully and make sure it protects you in terms of payments, work schedules and project  specifications. Even if you never intend to pick up a hammer for your remodeling project, there’s one tool that’s absolutely essential—a solid contract. But just having one often isn’t enough. That’s because the document a contractor [...]]]></description>
		<link>http://consultingrealestate.com/what-your-remodeling-contract-should-say/</link>
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		<title>7 Ways To Save On Lighting Cost</title>
		<description><![CDATA[Lighting is one of the biggest energy gobblers in your house, eating up between 10% and 20% of your total electric bill. But it’s also one area of the home where a minimal effort can yield major returns. Simply replacing standard incandescent light bulbs with compact fluorescents can lower operating costs by as much as [...]]]></description>
		<link>http://consultingrealestate.com/7-ways-to-save-on-lighting-cost/</link>
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		<title>Homeowners Insurance</title>
		<description><![CDATA[You should complete an annual Homeowners Insurance Policy Checkup once a year particularly around the time for renewal.This will ensure  your policy still provides the right level of coverage for your family  and your premium isn&#8217;t costing you more than it should. Remember, homeowners insurance is essential. The coverage is designed to protect your home [...]]]></description>
		<link>http://consultingrealestate.com/homeowners-insurance/</link>
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		<title>HUD Toughens FHA Program</title>
		<description><![CDATA[HUD Toughens FHA Program The FHA announced changes to its mortgage insurance program today intended to shore up its capital reserves and increase lender enforcement. FHA Commissioner Dave Stevens said the upfront fee on FHA loans will increase 50 basis points from 1.75 percent to 2.25 percent sometime in the spring, and HUD will ask [...]]]></description>
		<link>http://consultingrealestate.com/hud-toughens-fha-program/</link>
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		<title>Mortgage Forecast for 2010</title>
		<description><![CDATA[The first full week of the new year wasn&#8217;t one of the more encouraging weeks. It began with a dour report on pending home sales, which tumbled 16% in November, raising concerns among many economists that the housing recovery could be poised for a relapse. The most repeated explanation for the drop in pending sales [...]]]></description>
		<link>http://consultingrealestate.com/mortgage-forecast-for-2010/</link>
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		<title>Treasury Department Streamlines Short Sale</title>
		<description><![CDATA[      Treasury Department Announces Program to Streamline Short Sales On November 30, 2009, the Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA). HAFA is component of the Home Affordable Modification Program (HAMP). NAR has been urging the Obama Administration for months to take action to address [...]]]></description>
		<link>http://consultingrealestate.com/treasury-department-streamlines-short-sale/</link>
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		<title>My Property Taxes Are Too High What Do I do?</title>
		<description><![CDATA[THE ASSESSMENT APPEAL PROCESS Property owners sometimes feel that the department&#8217;s estimate of their property value is wrong. The assessment appeal process is available to allow property owners the opportunity to dispute the value determined by the department. Property values rise and fall to reflect the market. A property owner should file an appeal when [...]]]></description>
		<link>http://consultingrealestate.com/my-property-taxes-are-too-high-what-do-i-do/</link>
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