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	<title>It&#039;s Good To Have A Friend In The Business &#187; mortgage</title>
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	<link>http://kimhannemann.com</link>
	<description>Sell Your Northern Virginia Home for Only 4.5% - Cash Back to Buyers, Too!</description>
	<lastBuildDate>Sat, 24 Jul 2010 15:58:27 +0000</lastBuildDate>
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		<title>Buyers &#8211; New Lending Guideline!</title>
		<link>http://kimhannemann.com/2010/06/24/buyers-new-lending-guideline/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=buyers-new-lending-guideline</link>
		<comments>http://kimhannemann.com/2010/06/24/buyers-new-lending-guideline/#comments</comments>
		<pubDate>Thu, 24 Jun 2010 17:24:10 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1727</guid>
		<description><![CDATA[I received the following information about Fannie Mae&#8217;s new lending guidelines from my friend Jen DuPlessis at George Mason Mortgage. All lenders are implementing this policy for conventional and government (VA/FHA) loans effective immediately: A Re-Fresh credit report, with Comparison report (the comparison report is a quick reference and helps identify changes) will be required [...]]]></description>
		<wfw:commentRss>http://kimhannemann.com/2010/06/24/buyers-new-lending-guideline/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgage? No Payments? What the @##$!??</title>
		<link>http://kimhannemann.com/2010/06/18/reverse-mortgage-no-payments-what-the/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=reverse-mortgage-no-payments-what-the</link>
		<comments>http://kimhannemann.com/2010/06/18/reverse-mortgage-no-payments-what-the/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 17:59:30 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[hecm]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home sellers]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[reverse mortgage for purchase]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1712</guid>
		<description><![CDATA[A &#8220;reverse mortgage&#8221; allows you to trade equity in your home for cash, access to cash through an equity line of credit, or a monthly income, that you never have to pay back. You can use your current home or buy a new home or even a vacation home using a reverse mortgage. Got your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Get Very Deeply into Debt</title>
		<link>http://kimhannemann.com/2010/05/12/how-to-get-very-deeply-into-debt/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=how-to-get-very-deeply-into-debt</link>
		<comments>http://kimhannemann.com/2010/05/12/how-to-get-very-deeply-into-debt/#comments</comments>
		<pubDate>Wed, 12 May 2010 23:29:22 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[Just For Fun]]></category>
		<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[dave barry]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1589</guid>
		<description><![CDATA[Another long (but worthwhile) excerpt from Dave Barry&#8217;s Homes and Other Black Holes ©1988. Illustrations by Jeff MacNelly. If you want to come out a winner in the negotiations for your new house, you have to be tough. &#8220;This is not a time for human decency,&#8221; are the words of Wayne Savage, the internationally renowned [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What&#8217;s A Strong Credit Record For A Mortgage?</title>
		<link>http://kimhannemann.com/2010/03/15/whats-a-strong-credit-record-for-a-mortgage/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=whats-a-strong-credit-record-for-a-mortgage</link>
		<comments>http://kimhannemann.com/2010/03/15/whats-a-strong-credit-record-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 18:03:22 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1369</guid>
		<description><![CDATA[Recently a question about credit and mortgages came my way: Kim, Recently two friends of mine bought a condo and ended up with a less than stellar mortgage because their credit records aren&#8217;t very strong. I want to make sure that I&#8217;m in a strong position when I finally get to go house hunting for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Waives 90-Day Flip Rule! (Updated 5/20/10)</title>
		<link>http://kimhannemann.com/2010/01/21/fha-waives-90-day-flip-rule/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=fha-waives-90-day-flip-rule</link>
		<comments>http://kimhannemann.com/2010/01/21/fha-waives-90-day-flip-rule/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 21:55:10 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home sellers]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Sellers]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1174</guid>
		<description><![CDATA[In an effort to stabilize home values and improve conditions in communities where foreclosure activity is high, HUD and FHA announced a policy change that will expand access to FHA mortgage insurance and allow for the quick resale of foreclosed properties. This is great news for both buyers and sellers. The policy change will permit [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Northern Virginia Real Estate Sales December 2009</title>
		<link>http://kimhannemann.com/2010/01/21/northern-virginia-real-estate-sales-december-2009/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=northern-virginia-real-estate-sales-december-2009</link>
		<comments>http://kimhannemann.com/2010/01/21/northern-virginia-real-estate-sales-december-2009/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 21:24:15 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[Northern Virginia Market Activity]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home sellers]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Sellers]]></category>

		<guid isPermaLink="false">http://kimhannemann.com/?p=1165</guid>
		<description><![CDATA[1,349 homes sold in December 2009, an 11% decrease from December 2008 home sales of 1,510. I believe this was the result of two specific circumstances: (1) there was a huge push for buyers to complete their purchases by November 30 under the $8,000 tax credit act (which was extended at a very late date to [...]]]></description>
		<wfw:commentRss>http://kimhannemann.com/2010/01/21/northern-virginia-real-estate-sales-december-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Appraisal Rules &#8211; A Problem, or A Solution?</title>
		<link>http://kimhannemann.com/2009/05/18/new-appraisal-rules-a-problem-or-a-solution/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=new-appraisal-rules-a-problem-or-a-solution</link>
		<comments>http://kimhannemann.com/2009/05/18/new-appraisal-rules-a-problem-or-a-solution/#comments</comments>
		<pubDate>Mon, 18 May 2009 21:18:13 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[alexandria]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[burke]]></category>
		<category><![CDATA[buyer agent]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[fairfax]]></category>
		<category><![CDATA[fairfax station]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home sellers]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[kingstowne]]></category>
		<category><![CDATA[lorton]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[springfield]]></category>

		<guid isPermaLink="false">http://novarealestate.wordpress.com/?p=976</guid>
		<description><![CDATA[Saturday&#8217;s Washington Post Real Estate section featured an article by Ken Harney entitled, &#8220;New Appraisal Rules Come With Costs,&#8221; in which he posits the following scenarios: The real estate appraisal that used to cost you $325 now costs $450, even though the appraiser doing the work is getting only $175 or $200. Your appraisal-related charges [...]]]></description>
		<wfw:commentRss>http://kimhannemann.com/2009/05/18/new-appraisal-rules-a-problem-or-a-solution/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Looking For Mortgage Money? Might Get Tough.</title>
		<link>http://kimhannemann.com/2009/04/02/looking-for-mortgage-money-might-get-tough/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=looking-for-mortgage-money-might-get-tough</link>
		<comments>http://kimhannemann.com/2009/04/02/looking-for-mortgage-money-might-get-tough/#comments</comments>
		<pubDate>Thu, 02 Apr 2009 14:35:17 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://novarealestate.wordpress.com/?p=797</guid>
		<description><![CDATA[Here&#8217;s an article from this morning&#8217;s Washington Post: Lenders Struggle to Find Cash to Quench Growing Demand for Refinancing By Dina ElBoghdady Washington Post Staff Writer Thursday, April 2, 2009; A15 Now that mortgage refinancing is popular again, one big concern is that there won&#8217;t be enough money to keep up with the demand. Mortgage [...]]]></description>
		<wfw:commentRss>http://kimhannemann.com/2009/04/02/looking-for-mortgage-money-might-get-tough/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Fed&#8217;s Buying &#8211; How About You?</title>
		<link>http://kimhannemann.com/2009/03/22/the-feds-buying-how-about-you/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=the-feds-buying-how-about-you</link>
		<comments>http://kimhannemann.com/2009/03/22/the-feds-buying-how-about-you/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 00:51:40 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[buyer agent]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[prequalify]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[realty]]></category>

		<guid isPermaLink="false">http://novarealestate.wordpress.com/?p=765</guid>
		<description><![CDATA[Info from this week&#8217;s Mortgage Market Guide: Last week, the Fed used their regularly scheduled meeting to make a blockbuster announcement. Over the course of 2009, the Fed will purchase an additional $750 billion of mortgage-backed securities, as well as $300 billion in long-term Treasuries, primarily to help shore up the housing market and keep [...]]]></description>
		<wfw:commentRss>http://kimhannemann.com/2009/03/22/the-feds-buying-how-about-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips for First-Time Northern Virginia Buyers</title>
		<link>http://kimhannemann.com/2009/03/20/tips-for-first-time-northern-virginia-buyers/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=tips-for-first-time-northern-virginia-buyers</link>
		<comments>http://kimhannemann.com/2009/03/20/tips-for-first-time-northern-virginia-buyers/#comments</comments>
		<pubDate>Fri, 20 Mar 2009 23:33:01 +0000</pubDate>
		<dc:creator>Kim</dc:creator>
				<category><![CDATA[The Real Estate Business]]></category>
		<category><![CDATA[agent]]></category>
		<category><![CDATA[buyer agent]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[kim hannemann]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[realtor]]></category>

		<guid isPermaLink="false">http://novarealestate.wordpress.com/?p=747</guid>
		<description><![CDATA[Reductions in Northern Virginia home prices, and unprecedented low interest rates for mortgages, have combined to offer tremendous opportunities for renters to become homeowners. The prospect of making the change may be exciting, but also overwhelming. Here are a few common mistakes to avoid: Not understanding the home buying process. Educate yourself. Find a homebuyer [...]]]></description>
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		<slash:comments>0</slash:comments>
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