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		<title>Is 3.625% &lt; 5.125%? (Part 2)</title>
		<link>http://www.homebuyerassociates.com/is-3-625-5-125-part-2</link>
		<comments>http://www.homebuyerassociates.com/is-3-625-5-125-part-2#comments</comments>
		<pubDate>Tue, 25 Oct 2011 17:34:43 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/is-3-625-5-125-part-2</guid>
		<description><![CDATA[			I Must Protect Myself from Me
In part 1 of my refinance saga I noted that by refinancing I was going to save $545.00 per month on my mortgage payment and that it only made sense to refinance from 5.125% to 3.625% if I had the discipline to use my new found riches the right way. [...]]]></description>
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		<title>Is 3.625% &lt; 5.125%?</title>
		<link>http://www.homebuyerassociates.com/is-3-625-5-125</link>
		<comments>http://www.homebuyerassociates.com/is-3-625-5-125#comments</comments>
		<pubDate>Tue, 25 Oct 2011 17:32:30 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/is-3-625-5-125</guid>
		<description><![CDATA[         Is 3.625% < 5.125%?
With mortgage rates inching down this past year, I decided it would be a good time to refinance my homestead and two of my rental properties.  Wise because the loan averages in Freddie Mac’s Primary Mortgage Market Survey showed mortgage rates have [...]]]></description>
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		<title>5 Things to Do Before Making an Offer</title>
		<link>http://www.homebuyerassociates.com/5-things-to-do-before-making-an-offer</link>
		<comments>http://www.homebuyerassociates.com/5-things-to-do-before-making-an-offer#comments</comments>
		<pubDate>Tue, 25 Oct 2011 17:31:23 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[                  5 Things to Do Before Making an Offer
“Do you think we’ll offend them with the offer?” is a question I’m sometimes asked by our clients.  “I don’t know, I wasn’t offended by their asking price so [...]]]></description>
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		<title>The Art of the Low Ball Offer (Part 1)</title>
		<link>http://www.homebuyerassociates.com/the-art-of-the-low-ball-offer-part-1</link>
		<comments>http://www.homebuyerassociates.com/the-art-of-the-low-ball-offer-part-1#comments</comments>
		<pubDate>Tue, 25 Oct 2011 17:28:15 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/the-art-of-the-low-ball-offer-part-1</guid>
		<description><![CDATA[Homebuyer Associates September (Part 1) 2011 E-Note	
Homebuyer Associates  	www.homebuyerassociates.com
414.254.4129	 		homebuyeba@gmail.com
Michael D. Holloway/Seamus Holloway/Paul Wollersheim 
                          The Art of the Low-Ball Offer
“I’m a freelance writer for MSN Real Estate and [...]]]></description>
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		<title>What Do the Numbers Say?</title>
		<link>http://www.homebuyerassociates.com/what-do-the-numbers-say</link>
		<comments>http://www.homebuyerassociates.com/what-do-the-numbers-say#comments</comments>
		<pubDate>Wed, 24 Aug 2011 19:07:05 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=271</guid>
		<description><![CDATA[Homebuyer Associates August (Part 2) 2011 E-Note 
 
Homebuyer Associates      www.homebuyerassociates.com
414.254.4129                          homebuyeba@gmail.com
Michael D. Holloway/Seamus Holloway/Paul Wollersheim
 
 What Do the Numbers Say?
In Part 1 of my August E-Note (.94 cents vs. $1.24) I outlined why property ownership makes more sense to me than renting.  My research also confirmed that information should [...]]]></description>
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		<title>What If We Lived in a Home?  Part II</title>
		<link>http://www.homebuyerassociates.com/what-if-we-lived-in-a-home-part-ii</link>
		<comments>http://www.homebuyerassociates.com/what-if-we-lived-in-a-home-part-ii#comments</comments>
		<pubDate>Fri, 15 Jul 2011 16:35:09 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=269</guid>
		<description><![CDATA[But, what if you just lived in a home?
In a previous E-Note I wrote about lacking confidence to buy a home.  In addition to confidence you need a good credit score to buy a home, in the range of 750 and above.  If your credit score is below 750 on a graded scale, your mortgage [...]]]></description>
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		<title>What If We Lived in a Home?</title>
		<link>http://www.homebuyerassociates.com/what-if-we-lived-in-a-home</link>
		<comments>http://www.homebuyerassociates.com/what-if-we-lived-in-a-home#comments</comments>
		<pubDate>Fri, 15 Jul 2011 16:32:35 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=267</guid>
		<description><![CDATA[What if you just lived in a home?
According to Fannie Mae (the quasi-public corporation whose purpose is to expand the secondary mortgage market) the number of Americans who believe home ownership is a safe investment dropped to 66% in the first quarter of 2011, down from 83% in 2006.  Ah, there is that dirty little word [...]]]></description>
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		<title>The Fountain of Smart</title>
		<link>http://www.homebuyerassociates.com/the-fountain-of-smart</link>
		<comments>http://www.homebuyerassociates.com/the-fountain-of-smart#comments</comments>
		<pubDate>Thu, 19 May 2011 14:38:15 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=261</guid>
		<description><![CDATA[Homebuyer Associates April 2011 E-Note 
 
Homebuyer Associates           www.homebuyerassociates.com
414.254.4129                          homebuyeba@gmail.com
Michael D. Holloway/Seamus Holloway/Paul Wollersheim
The Fountain of Smart
You’ve decided to buy a home.  You’ve taken the time to understand who works for whom in the real estate transaction, how are they paid, the monthly payment you can afford, where you can afford to [...]]]></description>
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		<title>My Head May Explode</title>
		<link>http://www.homebuyerassociates.com/my-head-may-explode</link>
		<comments>http://www.homebuyerassociates.com/my-head-may-explode#comments</comments>
		<pubDate>Wed, 09 Mar 2011 22:50:19 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=258</guid>
		<description><![CDATA[Homebuyer Associates March 2011 E-Note 
 
Homebuyer Associates           www.homebuyerassociates.com
414.254.4129                              homebuyeba@gmail.com
Michael D. Holloway/Seamus Holloway


 My Head May Explode
My head is going to explode.  According to index Y, “Housing is improving.”  Economist X notes “Housing prices continue to inch down.”   “Now is a [...]]]></description>
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		<title>The Process not the People</title>
		<link>http://www.homebuyerassociates.com/the-process-not-the-people</link>
		<comments>http://www.homebuyerassociates.com/the-process-not-the-people#comments</comments>
		<pubDate>Mon, 14 Feb 2011 23:09:30 +0000</pubDate>
		<dc:creator>homebuy</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.homebuyerassociates.com/?p=255</guid>
		<description><![CDATA[Homebuyer Associates February 2011 E-Note 
Homebuyer Associates           www.homebuyerassociates.com
414.254.4129                               homebuyeba@gmail.com
Michael D. Holloway/Seamus Holloway/Paul Wollersheim


It’s about Process… and Then People
The simple dictum, “follow the money” often tells us a great deal about why political, investment and housing choices are made.  This isn’t [...]]]></description>
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