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	<title>Duluth Real Estate Blog</title>
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	<description>Real Estate News for Duluth, Superior, and surrounding areas including Duluth market information and area updates, Port Cities Realty</description>
	<lastBuildDate>Mon, 05 Jan 2009 15:44:10 +0000</lastBuildDate>
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	<item>
		<title>MORTGAGE RATES ARE GOING DOWN, DOWN, DOWN – ARE YOU READY?</title>
		<link>https://duluthrealestateblog.wordpress.com/2009/01/05/mortgage-rates-are-going-down-down-down-%e2%80%93-are-you-ready/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2009/01/05/mortgage-rates-are-going-down-down-down-%e2%80%93-are-you-ready/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Mon, 05 Jan 2009 15:43:24 +0000</pubDate>
				<category><![CDATA[Mortgage]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/2009/01/05/mortgage-rates-are-going-down-down-down-%e2%80%93-are-you-ready/</guid>

					<description><![CDATA[Mortgage interest rates have been falling over the last few weeks. Many homeowners are wondering if now is the time to refinance their mortgage and take advantage of the lower rates. Well, now is the time to watch and be ready! Mortgage rates on Conventional, FHA and VA mortgages are around 5% or lower! Keep [&#8230;]]]></description>
		
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			<media:title type="html">maryrich</media:title>
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		<title>Housing Market Recovery?</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/11/26/housing-market-recovery/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/11/26/housing-market-recovery/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Wed, 26 Nov 2008 16:51:14 +0000</pubDate>
				<category><![CDATA[Mortgage]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=95</guid>

					<description><![CDATA[The media portrays almost regularly now about the volatility of the current market, the struggling economy and the downward spiral of the stock market. The housing market has been on the chopping block so long that many people are placing the stock market and the housing market hand-in-hand down the same vicious isle. However, if [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<title>How Does The Federal Reserve Affect Mortgage Interest Rates?</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/11/18/how-does-the-federal-reserve-affect-mortgage-interest-rates/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/11/18/how-does-the-federal-reserve-affect-mortgage-interest-rates/#comments</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Tue, 18 Nov 2008 15:46:31 +0000</pubDate>
				<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[For Sellers]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Federal Reserver]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Prime Rate]]></category>
		<category><![CDATA[stocks]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=93</guid>

					<description><![CDATA[If you have taken out a mortgage to purchase or refinance a property, you have probably made an honest attempt to try and foresee the future and predict what may happen to mortgage rates while you were in the mortgage market. This is not an easy task, even for the professionals in the industry who [&#8230;]]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<title>Deer Hunting – From A Novice Woman’s Point Of View</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/10/31/deer-hunting-%e2%80%93-from-a-novice-woman%e2%80%99s-point-of-view/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/10/31/deer-hunting-%e2%80%93-from-a-novice-woman%e2%80%99s-point-of-view/#comments</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Fri, 31 Oct 2008 00:20:53 +0000</pubDate>
				<category><![CDATA[Fun Posts]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=91</guid>

					<description><![CDATA[When I was younger I remember my Dad packing up his orange everything and heading out the door for the first weekends in November to meet his friends out at our cabin to go deer hunting. I had tagged along on many adventures with him in the woods hunting all kinds of different birds. We [&#8230;]]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<title>FHA – It’s Not Just For First Time Home Buyers</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/09/28/fha-%e2%80%93-it%e2%80%99s-not-just-for-first-time-home-buyers/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/09/28/fha-%e2%80%93-it%e2%80%99s-not-just-for-first-time-home-buyers/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Sun, 28 Sep 2008 21:29:12 +0000</pubDate>
				<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Apollo Home Mortgage Group]]></category>
		<category><![CDATA[Apollo Mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=89</guid>

					<description><![CDATA[FHA mortgages are commonly known to only be a mortgage program for first time home buyers. This is not the case! FHA is a strong, competitive mortgage program for anyone looking to buy or refinance a primary residence. FHA mortgages offer well rounded benefits to all consumers such as lower closing costs, smaller down payments, [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<item>
		<title>Organizing Your Home – A Great Pre-Selling Idea To Start Now!</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/09/04/organizing-your-home-%e2%80%93-a-great-pre-selling-idea-to-start-now/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/09/04/organizing-your-home-%e2%80%93-a-great-pre-selling-idea-to-start-now/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Thu, 04 Sep 2008 15:22:48 +0000</pubDate>
				<category><![CDATA[For Sellers]]></category>
		<category><![CDATA[Home organization]]></category>
		<category><![CDATA[preperation]]></category>
		<category><![CDATA[selling]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=87</guid>

					<description><![CDATA[If you are one of the many people staying in your home longer than planned due to the current state of the housing market, now is the time to organize your home! If you are planning on moving down the road, getting organized now will make your move smoother, and less stressful on you and [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<item>
		<title>CREDIT SCORES – DO YOU REALLY KNOW WHAT THEY MEAN?</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/08/19/credit-scores-%e2%80%93-do-you-really-know-what-they-mean/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/08/19/credit-scores-%e2%80%93-do-you-really-know-what-they-mean/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Tue, 19 Aug 2008 16:11:51 +0000</pubDate>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Score]]></category>
		<category><![CDATA[Transunion]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=85</guid>

					<description><![CDATA[We always hear we need to have good credit scores. So, what exactly is a good credit score and how do you make sure you have a good score yourself? Here you will find some tips, because what you don’t know could hurt you. Credit scores are produced from the three main Credit Bureaus – [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<title>FHA’s New $7,500 Federal Tax Credit For First Time Home Buyers – Good Or Bad?</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/08/07/fha%e2%80%99s-new-7500-federal-tax-credit-for-first-time-home-buyers-%e2%80%93-good-or-bad/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/08/07/fha%e2%80%99s-new-7500-federal-tax-credit-for-first-time-home-buyers-%e2%80%93-good-or-bad/#comments</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Thu, 07 Aug 2008 18:56:56 +0000</pubDate>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Omnibus Housing Bill]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=83</guid>

					<description><![CDATA[With the passing of the new Omnibus Housing Bill recently, first time home buyers that purchased a home using an FHA Mortgage are now eligible for a tax credit of up to $7,500. However, there have been some misconceptions when reviewing this credit and home buyers are being mislead. Some of the common parts of [&#8230;]]]></description>
		
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			<slash:comments>3</slash:comments>
		
		
		
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			<media:title type="html">maryrich</media:title>
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		<item>
		<title>Current home values, for your home!</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/07/29/current-home-values-for-your-home/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/07/29/current-home-values-for-your-home/#respond</comments>
		
		<dc:creator><![CDATA[Lon Hanson]]></dc:creator>
		<pubDate>Tue, 29 Jul 2008 20:50:03 +0000</pubDate>
				<category><![CDATA[Duluth]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[For Sellers]]></category>
		<category><![CDATA[Local Market Conditions]]></category>
		<category><![CDATA[Twin Ports]]></category>
		<category><![CDATA[Home Price]]></category>
		<category><![CDATA[Home Value]]></category>
		<category><![CDATA[HomeInsight]]></category>
		<category><![CDATA[Market Snapshot]]></category>
		<category><![CDATA[Neighborhood]]></category>
		<category><![CDATA[Team Swor]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=76</guid>

					<description><![CDATA[The number one question that I hear from people right now is &#8220;How is the market doing here?&#8221;  I know that it isn&#8217;t doing horrible.  Home are selling, buyers are buying, and properties are moving, all contradictory to the local media reports.  Now I can talk until I&#8217;m blue-in-the-face about what is happening and what [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		
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			<media:title type="html">Lon Hanson</media:title>
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		<item>
		<title>FHA Mortgages Are Not Just For First Time Home Buyers!</title>
		<link>https://duluthrealestateblog.wordpress.com/2008/06/16/fha-mortgages-are-not-just-for-first-time-home-buyers/</link>
					<comments>https://duluthrealestateblog.wordpress.com/2008/06/16/fha-mortgages-are-not-just-for-first-time-home-buyers/#respond</comments>
		
		<dc:creator><![CDATA[Mary Rich]]></dc:creator>
		<pubDate>Mon, 16 Jun 2008 17:27:25 +0000</pubDate>
				<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[buyer's]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Loan]]></category>
		<guid isPermaLink="false">http://duluthrealestateblog.wordpress.com/?p=75</guid>

					<description><![CDATA[With all the changes in the mortgage industry since the end of 2007, FHA mortgages have become a popular mortgage product – but not just for first time home buyers. FHA mortgages offer fixed and adjustable rate mortgages, rehabilitation loans, as well as many refinance opportunities. The rates on FHA mortgages tend to be lower [&#8230;]]]></description>
		
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			<media:title type="html">maryrich</media:title>
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