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	<title>Utah Home Mortgage Specialist</title>
	
	<link>http://theutahhomemortgage.com/wordpress</link>
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	<lastBuildDate>Fri, 28 May 2010 20:56:40 +0000</lastBuildDate>
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		<title>Happy Memorial Day!</title>
		<link>http://theutahhomemortgage.com/wordpress/best-bbq/</link>
		<comments>http://theutahhomemortgage.com/wordpress/best-bbq/#comments</comments>
		<pubDate>Fri, 28 May 2010 20:45:43 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Weekly Tips]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=553</guid>
		<description><![CDATA[This week Collette shows you how to step up your hamburgers and impress your friends and family this summer season.  Got your own special recipe?  Let us know.

Download our favorite hamburger recipe now.
Email your best hamburger recipe to collette.mckee@comcast.net 
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Housing Tax Credit Extended</title>
		<link>http://theutahhomemortgage.com/wordpress/housing-tax-credit-extended/</link>
		<comments>http://theutahhomemortgage.com/wordpress/housing-tax-credit-extended/#comments</comments>
		<pubDate>Fri, 07 May 2010 13:12:31 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Home Mortgages]]></category>
		<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=545</guid>
		<description><![CDATA[Exciting News for Veterans!
The First Time Home Buyer and Long-time Resident Tax Credits have been extended for Military Personnel and certain Federal Employees.   Here are the basics:

You must have been on active duty outside of the US for 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010.
The home needs [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Weekly Tip: What causes Brain Freeze?</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-weekly-tip-brain-freeze/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-weekly-tip-brain-freeze/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 20:31:05 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Weekly Tips]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=461</guid>
		<description><![CDATA[
In this week&#8217;s Weekly Tip, I have had a little fun. Have you ever wondered what causes Brain Freeze when you eat or drink something that&#8217;s too cold? Click on the link to see what I found out, this will amaze you!!!
]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Part 8: Get more information</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-get-more-information/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-get-more-information/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 23:54:01 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=456</guid>
		<description><![CDATA[Sources and Publications
As always with taxes, nothing is ever simple or easy. Speak with a qualified tax professional for specific advice &#8212; an enrolled agent, a CPA or an attorney who specializes in tax issues.
Also, the IRS itself has excellent information at its website, www.irs.gov, by phone at 1-800-829-1040 and with specialized publications such as [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 7: 1031 Exchanges</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-1031-exchanges/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-1031-exchanges/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 23:51:26 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=452</guid>
		<description><![CDATA[ A 1031 exchange may allow investors to defer all capital gains taxes.
With a 1031 transaction, investment property is exchanged for &#8220;like&#8221; real estate. The basic requirements are that within 45 days after the &#8220;relinquished&#8221; property has been sold, a &#8220;replacement&#8221; property must be identified. The identified replacement property must then be acquired within 180 days [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 6: Investment Properties</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-investment-properties/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-investment-properties/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 21:23:00 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=444</guid>
		<description><![CDATA[Investment real estate can generate substantial write-offs.
If you own rental property you must seek a fair market rental for your property. You may generally deduct mortgage interest, property taxes, repair costs, management by an outside party, depreciation, advertising, insurance, utilities, legal services and other expenses.
It&#8217;s possible with rental properties to have both a positive cashflow [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 5: Home Offices</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-and-home-offices/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-and-home-offices/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 21:22:11 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=437</guid>
		<description><![CDATA[Home offices may be deductible.
If a portion of your home is used regularly and exclusively as your principal place of business or for the convenience of your employer it may be possible to write off a portion of such costs as mortgage interest, property taxes and utilities. There are a number of tests which must [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 4: Mortgage Points paid at closing</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-points/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-points/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 21:17:02 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=434</guid>
		<description><![CDATA[Points may be deducible by both buyers and sellers.
Picture a situation where a home is sold for $500,000 and the owner &#8212; to help close the sale &#8212; offers to pay 1 point for the buyer. If the property was financed with a $350,000 mortgage, a point would be worth $3,500. According to the IRS, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 3: Private Mortgage Insurance Premiums</title>
		<link>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-and-private-mortgage-insurance-premiums/</link>
		<comments>http://theutahhomemortgage.com/wordpress/utah-home-mortgage-and-private-mortgage-insurance-premiums/#comments</comments>
		<pubDate>Sun, 14 Mar 2010 21:01:33 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=428</guid>
		<description><![CDATA[If you have purchased a home and have less than 20% equity in the property chances are you are required to pay for private mortgage insurance in conjunction with your regular home mortgage principle and interest payment.
Before you start thinking to yourself about all the drawback to paying for private mortgage insurance.  This column is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part 2: Home Mortgage Interest</title>
		<link>http://theutahhomemortgage.com/wordpress/tax-advantages-of-utah-home-mortgage/</link>
		<comments>http://theutahhomemortgage.com/wordpress/tax-advantages-of-utah-home-mortgage/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 20:48:24 +0000</pubDate>
		<dc:creator>Collette</dc:creator>
				<category><![CDATA[Tax Credits]]></category>

		<guid isPermaLink="false">http://theutahhomemortgage.com/wordpress/?p=416</guid>
		<description><![CDATA[Mortgage interest on home mortgage is generally deductible.
The IRS says there are three categories of deductible home mortgage interest:
Mortgages you took out on or before October 13, 1987 (called grandfathered debt).
Mortgages you took out after October 13, 1987, to buy, build, or improve your home (called home acquisition debt), but only if throughout 2005 these [...]]]></description>
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		<slash:comments>1</slash:comments>
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