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	<title>Team Fay with RE/MAX Results Plus</title>
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	<description>Your Connection to Cincinnati Real Estate</description>
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		<title>Team Fay with RE/MAX Results Plus</title>
		<link>http://charlenefay.wordpress.com</link>
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		<item>
		<title>Welcome Home Financing Program</title>
		<link>http://charlenefay.wordpress.com/2011/03/09/welcome-home-fha-program/</link>
		<comments>http://charlenefay.wordpress.com/2011/03/09/welcome-home-fha-program/#comments</comments>
		<pubDate>Wed, 09 Mar 2011 23:14:23 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=268</guid>
		<description><![CDATA[3 1/2 %  Down Payment Assistance!  Not to exceed $5,000.00 Program Overview:  Income limits apply&#8230;Borrow must have $500. of their own funds towards out of pocket&#8230;.Can be used with FHA, VA or conventional financing.  Call me today for more information on how to apply for this $0 down program to buy your first home.  513-602-9000 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=268&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<item>
		<title>One in Four sales is a foreclosure</title>
		<link>http://charlenefay.wordpress.com/2011/03/03/one-in-four-sales-is-a-foreclosure/</link>
		<comments>http://charlenefay.wordpress.com/2011/03/03/one-in-four-sales-is-a-foreclosure/#comments</comments>
		<pubDate>Thu, 03 Mar 2011 17:08:10 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=264</guid>
		<description><![CDATA[Foreclosure sales accounted for 26 percent of U.S. home sales in 2010, with those properties selling for more than 28% less, on average, than homes not in the foreclosure process, data.  A total of 831,574 U.S. residential properties either owned by banks or in some state of foreclosure sold to third parties in 2010, a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=264&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2011/03/03/one-in-four-sales-is-a-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<item>
		<title>Rate Update</title>
		<link>http://charlenefay.wordpress.com/2009/08/17/rate-update/</link>
		<comments>http://charlenefay.wordpress.com/2009/08/17/rate-update/#comments</comments>
		<pubDate>Mon, 17 Aug 2009 19:40:42 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[current mortgage rates]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[rate trends]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=244</guid>
		<description><![CDATA[The bond market is performing well today and rates are better based on a beguine CPI report. Inflation is basically at zero with a year over year decline of 2.1% &#8211; the lowest rate since 1950. Maybe more important than that, for the future of low rates, is the fact that the Fed purchased another [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=244&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
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		<item>
		<title>FHA Loans Update May 2009</title>
		<link>http://charlenefay.wordpress.com/2009/05/07/fha-loans-update-may-2009/</link>
		<comments>http://charlenefay.wordpress.com/2009/05/07/fha-loans-update-may-2009/#comments</comments>
		<pubDate>Thu, 07 May 2009 13:14:11 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[loan requirements for fha loans]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=226</guid>
		<description><![CDATA[Below are are the new FHA Updates: 1.The borrower must meet standard FHA credit qualifications (there&#8217;s no set credit score barometer, but a borrower&#8217;s debt-to-income ratio is heavily considered). The borrower is able to finance the upfront mortgage insurance premium into the loan. The borrower will be responsible for paying an annual premium. The FHA [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=226&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/05/07/fha-loans-update-may-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
		</media:content>

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			<media:title type="html">money</media:title>
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		<item>
		<title>Real Estate Agent Interview Questions</title>
		<link>http://charlenefay.wordpress.com/2008/07/02/agent-interview-questions/</link>
		<comments>http://charlenefay.wordpress.com/2008/07/02/agent-interview-questions/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 19:16:12 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[questions to ask a real estate agent]]></category>
		<category><![CDATA[real estate agent interview questions]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=62</guid>
		<description><![CDATA[I have found that more and more people are interviewing multiple agents these days, and it really takes an experienced and knowledgable agent to really sell homes in a tough market like the present. What I have compiled are a list of specific questions that you should ask every agent in order to get the best representation of your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=62&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/07/02/agent-interview-questions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<item>
		<title>Mortgage Pre-Approval Checklist</title>
		<link>http://charlenefay.wordpress.com/2008/06/17/mortgage-pre-approval-checklist/</link>
		<comments>http://charlenefay.wordpress.com/2008/06/17/mortgage-pre-approval-checklist/#comments</comments>
		<pubDate>Tue, 17 Jun 2008 17:03:21 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[mortgage pre-approval]]></category>
		<category><![CDATA[mortgage pre-qualification]]></category>
		<category><![CDATA[pre-approved buyer]]></category>
		<category><![CDATA[pre-qualified buyer]]></category>
		<category><![CDATA[the difference between pre-approval and pre-qualificati]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=57</guid>
		<description><![CDATA[Before you even start looking for a home, I always advise buyers to get Pre-Approved by a loan officer. What this helps to do is not only give us a price limit as to what homes you can afford, but also helps us to better negotiate with the sellers when we do find your dream home. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=57&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/06/17/mortgage-pre-approval-checklist/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<item>
		<title>HUD-1 Settlement Statement Explained</title>
		<link>http://charlenefay.wordpress.com/2008/06/12/hud-1-settlement-statement-explained/</link>
		<comments>http://charlenefay.wordpress.com/2008/06/12/hud-1-settlement-statement-explained/#comments</comments>
		<pubDate>Thu, 12 Jun 2008 13:09:36 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[HUD-1 explained]]></category>
		<category><![CDATA[settlement statement explained]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=47</guid>
		<description><![CDATA[Closing your home should be exciting, and once you understand the process and how it works, it can be! What I have done below is broken down each line with a detailed description of the HUD-1 Settlement Form. Once a closing date has been established, a HUD will be sent to you for review, and this way it makes [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=47&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/06/12/hud-1-settlement-statement-explained/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/8d95db47810580f9dfdf603382583143?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<item>
		<title>Top 10 Selling Mistakes</title>
		<link>http://charlenefay.wordpress.com/2008/06/10/top-10-selling-mistakes/</link>
		<comments>http://charlenefay.wordpress.com/2008/06/10/top-10-selling-mistakes/#comments</comments>
		<pubDate>Tue, 10 Jun 2008 18:00:46 +0000</pubDate>
		<dc:creator>Charlene Fay</dc:creator>
				<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[cincinnati market values]]></category>
		<category><![CDATA[Selling Mistakes]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=45</guid>
		<description><![CDATA[Before you decide to sell your home, be sure to review these Top 10 Selling Mistakes that may keep you from getting the most money out of your home. 1. PRICING TOO HIGH: It&#8217;s no secret, price is everything. Overpricing does more to discourage buyers than any other single factor. When you overprice, you put [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&amp;blog=3225163&amp;post=45&amp;subd=charlenefay&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/06/10/top-10-selling-mistakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Miranda Fay</media:title>
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