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<title>Charlottesville Real Estate Topics</title><link>http://www.ahomeincharlottesville.com/index.html</link><description>Topic &#x26; Resources for the Home Buyer and Seller</description><dc:language>en</dc:language><dc:creator>ambw@comcast.net</dc:creator><dc:rights>Copyright 2010 Amy Webb</dc:rights><dc:date>2011-01-24T14:25:34-05:00</dc:date><admin:generatorAgent rdf:resource="http://www.realmacsoftware.com/" />
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<lastBuildDate>Sat, 06 Feb 2010 11:38:22 -0500</lastBuildDate><item><title>Charlottesville Real Estate Market Report - 4th Qtr&#x2c; 2010</title><dc:creator>ambw@comcast.net</dc:creator><category>Market Updates &#x26; News</category><dc:date>2011-01-24T14:25:34-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Charlottesville_market_2010_Q4.php#unique-entry-id-28</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Charlottesville_market_2010_Q4.php#unique-entry-id-28</guid><content:encoded><![CDATA[The fourth quarter report is out for 2010 for the Charlottesville market and the bottom line sounds familiar...]]></content:encoded></item><item><title>Charlottesville Real Estate Market Update - November 2010 Stats</title><dc:creator>ambw@comcast.net</dc:creator><category>Market Updates &#x26; News</category><dc:date>2010-12-07T11:42:59-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Nov%202010%20Snapshot.php#unique-entry-id-27</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Nov%202010%20Snapshot.php#unique-entry-id-27</guid><content:encoded><![CDATA[Below is Nest Realty&rsquo;s Market Snapshot: issued today, December 7, 2010.]]></content:encoded></item><item><title>Charlottesville Real Estate Market Reports</title><dc:creator>ambw@comcast.net</dc:creator><category>Market Updates &#x26; News</category><dc:date>2010-11-18T20:29:50-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Charlottesville_Market_Reports.php#unique-entry-id-26</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Charlottesville_Market_Reports.php#unique-entry-id-26</guid><content:encoded><![CDATA[My firm, Nest Realty Group, just launched a new web feature: Nest Market Reports.   ]]></content:encoded></item><item><title>Charlottesville Real Estate Market Update - October 2010 Stats</title><dc:creator>ambw@comcast.net</dc:creator><category>Market Updates &#x26; News</category><dc:date>2010-11-10T10:40:03-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Stats_Oct2010.php#unique-entry-id-25</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/Stats_Oct2010.php#unique-entry-id-25</guid><content:encoded><![CDATA[This is the first in what will be an ongoing new feature of A Home in Charlottesville: updates and reports on Charlottesville Real Estate Market trends and statistics.  I wish I could start off with better news.]]></content:encoded></item><item><title>1031 Exchanges</title><dc:creator>ambw@comcast.net</dc:creator><category>Real Estate Terms</category><category>Selling</category><dc:date>2010-01-01T21:11:00-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/1031exchanges.php#unique-entry-id-18</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/1031exchanges.php#unique-entry-id-18</guid><content:encoded><![CDATA[A 1031 or "like-kind" exchange is a way for owners of business and investment real estate to sell property and buy other "like" property without paying the Capital Gains Tax upon the sale. ]]></content:encoded></item><item><title>The Realtor Code of Ethics</title><dc:creator>ambw@comcast.net</dc:creator><category>Real Estate Terms</category><dc:date>2010-01-17T21:03:32-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/realtorcode.php#unique-entry-id-17</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/realtorcode.php#unique-entry-id-17</guid><content:encoded><![CDATA[<div class="image-right"><img class="imageStyle" alt="Realtor" src="http://www.ahomeincharlottesville.com/Topics/topicsblog_files/page36_blog_entry17_1.jpg" width="72" height="84"/></div>The NATIONAL ASSOCIATION OF REALTORS adopted the Code of Ethics in 1913, following the example of professions of medicine, law, and engineering. ]]></content:encoded></item><item><title>Moving Hints and Tips</title><dc:creator>ambw@comcast.net</dc:creator><category>Hints &#x26; Tips</category><dc:date>2010-01-08T21:00:56-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/movingtips.php#unique-entry-id-16</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/movingtips.php#unique-entry-id-16</guid><content:encoded><![CDATA[If you&rsquo;re overwhelmed by the thought of moving, here are some useful, help filled links to ease the way!<br />]]></content:encoded></item><item><title>Ready&#x2c; Set&#x2c; Sell: Tips for Getting Your Home Ready for the Market&#x21;</title><dc:creator>ambw@comcast.net</dc:creator><category>Selling</category><category>Hints &#x26; Tips</category><dc:date>2010-02-14T17:19:51-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/ready_set_sell.php#unique-entry-id-15</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/ready_set_sell.php#unique-entry-id-15</guid><content:encoded><![CDATA[Here are some great tips for preparing to put your home on the market.]]></content:encoded></item><item><title>What is Dual Agency?</title><dc:creator>ambw@comcast.net</dc:creator><category>Real Estate Terms</category><category>Buying</category><category>Selling</category><dc:date>2010-01-13T20:52:36-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/dual_agency.php#unique-entry-id-14</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/dual_agency.php#unique-entry-id-14</guid><content:encoded><![CDATA[One of the bedrock principles behind the founding of Nest Realty Group is a stand against the practice of Single Agent Dual Agency.]]></content:encoded></item><item><title>About Real Estate Agency</title><dc:creator>ambw@comcast.net</dc:creator><category>Real Estate Terms</category><category>Buying</category><category>Selling</category><dc:date>2010-02-14T16:53:58-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/agency.php#unique-entry-id-13</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/agency.php#unique-entry-id-13</guid><content:encoded><![CDATA[A Realtor can form an Agency Relationship with you to assist you in buying a home, selling a home or both. You may be familiar with the terms  "Buyer's Agent" or "Listing Agent" but what does the Agency Relationship really mean? <br /><br />]]></content:encoded></item><item><title>Fair Housing 101</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Selling</category><category>Real Estate Terms</category><dc:date>2010-01-12T20:47:37-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/fair_housing.php#unique-entry-id-12</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/fair_housing.php#unique-entry-id-12</guid><content:encoded><![CDATA[<span style="font-size:15px; ">You may have noticed that all Realtors feature a little "house" symbol, the letters  "EHO" or the phrase "Equal Housing Opportunity" in their advertising, but what does this mean to  you?<br /></span><br />]]></content:encoded></item><item><title>Title Insurance 101</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><dc:date>2010-01-11T20:43:49-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/title_insurance.php#unique-entry-id-11</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/title_insurance.php#unique-entry-id-11</guid><content:encoded><![CDATA[Title Insurance is a policy that protects a buyer and/or a lender against errors or omissions or defects in the title of the property.<br />]]></content:encoded></item><item><title>How Much Cash Do I Need to Buy a Home?</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><dc:date>2010-02-14T16:54:56-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/cash_required.php#unique-entry-id-10</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/cash_required.php#unique-entry-id-10</guid><content:encoded><![CDATA[<br /><div class="image-right"><img class="imageStyle" alt="Dollars" src="http://www.ahomeincharlottesville.com/Topics/topicsblog_files/page36_blog_entry10_1.jpg" width="254" height="156"/></div>If your thinking about buying a home, you have a lot of financial decisions to make. Your Lender</a> and your agent can assist you in "running" some numbers to figure out <br /><ul class="square"><li><a href="../Topics/mortgageinformation.html" rel="self" title="Mortgage Rates &#38; Calculator">how much you can afford to pay monthly</a></li><li>what size mortgage you are comfortable taking </li><li>how much in <a href="topicsblog_files/buyer_closingcosts.php" rel="self" title="Real Estate Topics:Buyer Closing Costs 101">closing costs </a>you are going to be paying above and beyond the cost of the home.</li></ul><br />But one practical question the sometimes gets overlooked is: <br /><strong>How much cash will you need to have on hand to buy a home??</strong>]]></content:encoded></item><item><title>Check Your Credit</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><category>Hints &#x26; Tips</category><dc:date>2010-01-07T15:39:44-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/creditreport.php#unique-entry-id-8</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/creditreport.php#unique-entry-id-8</guid><content:encoded><![CDATA[By federal law, each of the three major credit reporting agencies must provide your credit report to you once annually, for free.]]></content:encoded></item><item><title>Credit Reports &#x26; Scores 101</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><category>Hints &#x26; Tips</category><dc:date>2010-01-10T15:34:10-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/credit_scores.php#unique-entry-id-6</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/credit_scores.php#unique-entry-id-6</guid><content:encoded><![CDATA[When you are preparing to buy a home, if you are taking a personal, business or auto loan, or even if you are just reading the newspaper, you will come across the terms Credit Report and Credit Score.  Simply put, a credit report is a collation of information that the credit bureaus collect about you, such as your payment history on loans]]></content:encoded></item><item><title>Truth in Lending</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><dc:date>2010-01-06T13:16:00-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/truth_in_lending.php#unique-entry-id-5</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/truth_in_lending.php#unique-entry-id-5</guid><content:encoded><![CDATA[Your lender must meet certain obligations under the Truth-In-Lending Act. <br /><br />]]></content:encoded></item><item><title>Fair Lending</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><dc:date>2010-01-05T13:14:35-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/fair_lending.php#unique-entry-id-4</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/fair_lending.php#unique-entry-id-4</guid><content:encoded><![CDATA[You have the right to fair lending. <em>A lender cannot refuse to give you a loan or the best possible loan rate and terms for a house</em> because of your race, color, national origin, religion, sex, familial status or handicap. You can learn more about Fair Lending Laws...]]></content:encoded></item><item><title>Tips For Working with a Lender</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><category>Hints &#x26; Tips</category><dc:date>2010-02-14T16:54:10-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/lender_tips.php#unique-entry-id-1</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/lender_tips.php#unique-entry-id-1</guid><content:encoded><![CDATA[Getting pre-qualified for and the arranging financing is a critical part of the home buying process.  Be prepared to discuss these critical questions with your lender:<br />]]></content:encoded></item><item><title>Buyer Closing Costs 101</title><dc:creator>ambw@comcast.net</dc:creator><category>Buying</category><category>Finance</category><dc:date>2010-02-14T17:19:45-05:00</dc:date><link>http://www.ahomeincharlottesville.com/Topics/topicsblog_files/buyer_closingcosts.php#unique-entry-id-0</link><guid isPermaLink="true">http://www.ahomeincharlottesville.com/Topics/topicsblog_files/buyer_closingcosts.php#unique-entry-id-0</guid><content:encoded><![CDATA[When a buyer applies for a loan, lenders are required to provide them with a good-faith estimate of their closing costs. The fees listed on the good faith estimate vary according to several factors, including the type of loan applied for and the terms of the purchase agreement. <span style="font-size:11px; "><br /></span><br /><br /><br />]]></content:encoded></item></channel>
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