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	<title>Morris and Raper News &#124; Atlanta New Homes Condos and Townhomes &#187; Homebuyer Tips</title>
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	<description>Atlanta New Homes For Sale News and Homebuyer Tips</description>
	<lastBuildDate>Fri, 30 Jul 2010 20:54:28 +0000</lastBuildDate>
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		<title>Home Interest Rates Lower Than October 2009</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/home-interest-rates-lower-than-october-2009/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/home-interest-rates-lower-than-october-2009/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 21:48:23 +0000</pubDate>
		<dc:creator>kwmarketeer</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Home Loan Rates]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=3908</guid>
		<description><![CDATA[As of last October 2009, we announced a 15 year Fixed Rate Mortgage (FRM) loan available for as low as 4.25%. As of today, July 27, 2010, a 15 year FRM loan available for as low as 3.75% for loan amounts under $417,000!. Last October 2009, we announced a 30 year FRM loan was available [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Central City Atlanta Condos Give Market Update</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/central-city-atlanta-condos-give-market-update/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/central-city-atlanta-condos-give-market-update/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 22:17:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Atlanta New Homes]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[$8000 Homebuyer Tax Credit]]></category>
		<category><![CDATA[central city]]></category>
		<category><![CDATA[FHA policies]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2879</guid>
		<description><![CDATA[Central City Atlanta Condos gives us a market update for February 2010. Based on the recently approved FHA changes and current improving market conditions, now is the time to buy at Central City for multiple reasons. First the federal homebuyer tax credit options of $8,000 or $6,500 expires soon. The new FHA changes coming soon [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA Changes &#8211; Details Explained</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/fha-changes-details-explained/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/fha-changes-details-explained/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 18:10:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA policies]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2829</guid>
		<description><![CDATA[Last week, we posted a very breif article about the upcoming FHA loan changes that have been approved. The new measures will help the FHA better manage risk, while maintaining the support for the current housing market conditions. The most significant change is the reduction of seller concessions from 6% to 3%. It will take a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Upcoming FHA Loan Changes</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/upcoming-fha-loan-changes/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/upcoming-fha-loan-changes/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 22:16:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[FHA loan]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2781</guid>
		<description><![CDATA[As of today, January 20, 2009, the Federal Housing Administration (FHA) has announced some upcoming changes in their policies. The seller concession maximum has been been reduced from 6% to 3%. The FHA will continue to allow the upfront premium to be financed but the upfront mortgage insurance premium has been increased to 2.25%. The [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Rates Are So Low!</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/mortgage-rates-are-so-low/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/mortgage-rates-are-so-low/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 20:57:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2291</guid>
		<description><![CDATA[Mortgage rates continue in the historic lows, with most fixed rate products in the 4% range and five year adjustable rates as low as 3.625%. It was stated in this week&#8217;s economic report that mortgage rates should remain below 5% in the near term. With low mortgage rates and the extended Federal tax credit for first [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The Federal Tax Credit Has Been Extended</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/home-buyer-adventures/the-federal-tax-credit-has-been-extended/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/home-buyer-adventures/the-federal-tax-credit-has-been-extended/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 22:03:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Adventures]]></category>
		<category><![CDATA[$6500 Repeat Buyer Tax Credit]]></category>
		<category><![CDATA[$8000 Homebuyer Tax Credit]]></category>
		<category><![CDATA[$8000 tax credit]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2183</guid>
		<description><![CDATA[It&#8217;s official. President Obama has signed the billed to extend the federal $8,000 Homebuyer Tax Credit and added a $6500 tax credit for repeat home buyers. The $8,000 tax credit stipulations remain the same. The $6500 repeat home buyer tax credit is for homeowners who have lived in their home for 5 years. There is [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Homebuyer Tax Credit Extended?</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/homebuyer-tax-credit-extended/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/homebuyer-tax-credit-extended/#comments</comments>
		<pubDate>Thu, 29 Oct 2009 15:54:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Atlanta New Homes]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[$6500 Repeat Buyer Tax Credit]]></category>
		<category><![CDATA[$8000 Homebuyer Tax Credit]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=2129</guid>
		<description><![CDATA[With the November 1, 2009 expiration of the $8,000 home buyer tax credit fast approaching, there has been question of whether this tax credit could possibly be extended.  According to CNN News, it seems that Senate Democrats have reached an agreement to extend the $8,000 homebuyer tax credit to the end of April 2010. However, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fixed Rate Loans From 4.75%</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/fixed-rate-loans-from-4-percent/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/fixed-rate-loans-from-4-percent/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 14:23:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1953</guid>
		<description><![CDATA[Currently as of October 1, 2009 with LoanSouth Mortgage, you can get a 30 year Fixed Rate Mortgage (FRM) loan from 4.75%. &#8211; 5%. You must meet the qualifications with credit score of 720 or higher and 10% down payment and the loan amount must be under $417,000 for the rates above. These rates are [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Adventures in Househunting &#8211; The Closing</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-the-closing/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-the-closing/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 21:00:47 +0000</pubDate>
		<dc:creator>ashleyrobb</dc:creator>
				<category><![CDATA[Homebuyer Adventures]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Adventures in Househunting]]></category>
		<category><![CDATA[ashley robb]]></category>
		<category><![CDATA[first time homebuyer]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1925</guid>
		<description><![CDATA[                Well, my adventure has come to an end. We closed on our first home on Friday! What an adventure it has been. Our closing was set for Thursday, and our loan processor even had us at the closing attorney&#8217;s office that afternoon. After many phone calls, I [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Have Flood Insurance?</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/should-you-have-flood-insurance/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/should-you-have-flood-insurance/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 18:53:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Atlanta New Homes]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Atlanta Flooding 2009]]></category>
		<category><![CDATA[FIRMs]]></category>
		<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[Flood Insurance Rate Maps]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1917</guid>
		<description><![CDATA[This really is a tough question to answer. Unfortunately, this question can be asked when flooding has already occurred which could be too late if you do not have this type of insurance. Flood Insurance is not included in your homeowner’s insurance. You have to pay for this separately!  None of us, especially in this [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Adventures in Househunting-The Loan</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-the-loan/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-the-loan/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 19:13:18 +0000</pubDate>
		<dc:creator>ashleyrobb</dc:creator>
				<category><![CDATA[Homebuyer Adventures]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Adventures in Househunting]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[Marietta homes]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1865</guid>
		<description><![CDATA[I must tell you, the loan has been the most stressful part of my homebuying experience. It started off great&#8211;I was pre-qualified with Bank of America and working with a nice contact there. But, once I finalized my contract, I started shopping around to get the best interest rate, and that became very stressful.   [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Atlanta Among Forbes&#8217; Top 10 Most Entertaining Cities</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/atlanta-among-forbes-top-10-most-entertaining-cities/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/atlanta-among-forbes-top-10-most-entertaining-cities/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 18:23:43 +0000</pubDate>
		<dc:creator>ashleyrobb</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Atlanta Top 10 for Entertainment]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1859</guid>
		<description><![CDATA[This month, Forbes announced it&#8217;s list of the Most Entertaining Cities in the US. Of course New York City came in number one, but our Atlanta ranked number 6. Not too bad for the south! According to the list, Atlanta has a great restaurant scene, beating out cities such as Dallas, San Fransisco and Boston. Factors [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Adventures in Househunting &#8211; Inspection</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-inspection/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-inspection/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 20:10:33 +0000</pubDate>
		<dc:creator>ashleyrobb</dc:creator>
				<category><![CDATA[Homebuyer Adventures]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Adventures in Househunting]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[home inspection]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1720</guid>
		<description><![CDATA[Who knew that once our contract was accepted, the stress would really start? I thought the hard part was finding the house! That joke was on me. There are so many more steps to buying your home after you find it. The next step in my home purchase was to make sure the house was [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Adventures in Househunting &#8211; Under Contract!</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-under-contract/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/adventures-in-househunting-under-contract/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 16:08:10 +0000</pubDate>
		<dc:creator>ashleyrobb</dc:creator>
				<category><![CDATA[Homebuyer Adventures]]></category>
		<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[Adventures in Househunting]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[making an offer on your first home]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1674</guid>
		<description><![CDATA[Well, after months of searching, we made an offer on our first home this past Saturday. We definitely offered very low, but figured with a market like today&#8217;s, let&#8217;s give it a shot. The house had been on the market for over a year, and the seller had slowly lowered the price. We ended up [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>$8000 Tax Credit Deadline is Approaching</title>
		<link>http://www.morrisandrapernews.com/homebuyer-tips/8000-tax-credit-deadline-is-approaching/</link>
		<comments>http://www.morrisandrapernews.com/homebuyer-tips/8000-tax-credit-deadline-is-approaching/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 21:19:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Homebuyer Tips]]></category>
		<category><![CDATA[$8000 Home Buyer Tax Credit]]></category>
		<category><![CDATA[Federal Tax Credit Deadline]]></category>

		<guid isPermaLink="false">http://www.morrisandrapernews.com/?p=1667</guid>
		<description><![CDATA[  Although Congress has addressed the possibility of reauthorizing the First Time homebuyer Tax Credit, it is not certain that anything will be done before prior to its expiration on December 1, 2009. This gives potential homebuyers approximately 4 months to choose the perfect home and close by November 30, 2009. Otherwise, the $8,000 tax [...]]]></description>
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		<slash:comments>0</slash:comments>
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