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	<title>Team Fay with RE/MAX Elite</title>
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	<link>http://charlenefay.wordpress.com</link>
	<description>Your Connection to Cincinnati Real Estate</description>
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		<title>Team Fay with RE/MAX Elite</title>
		<link>http://charlenefay.wordpress.com</link>
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			<item>
		<title>Homebuyer Tax Credit Extended and Expanded!</title>
		<link>http://charlenefay.wordpress.com/2009/11/06/homebuyer-tax-credit-extended-and-expanded/</link>
		<comments>http://charlenefay.wordpress.com/2009/11/06/homebuyer-tax-credit-extended-and-expanded/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 13:32:54 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Updates]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=251</guid>
		<description><![CDATA[
Congress voted this afternoon to extend the $8,000 First-time Homebuyer Tax Credit and created an additional $6,500 credit for existing property owners looking to sell their home and buy another.
Today’s House vote was 403-12 in favor of the bill after the Senate approved the measure in a 98-0 vote Wednesday night.  The legislation now moves [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=251&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/11/06/homebuyer-tax-credit-extended-and-expanded/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>

		<media:content url="http://charlenefay.files.wordpress.com/2009/11/image0011.jpg" medium="image">
			<media:title type="html">image001</media:title>
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	</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>Miranda 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&blog=3225163&post=244&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/08/17/rate-update/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Miranda Fay</media:title>
		</media:content>
	</item>
		<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>Miranda 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 mortgage requires a low 3.5-percent down payment, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=226&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/05/07/fha-loans-update-may-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<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>
		<item>
		<title>Attention First Time Homebuyers!</title>
		<link>http://charlenefay.wordpress.com/2009/04/08/attention-first-time-homebuyers/</link>
		<comments>http://charlenefay.wordpress.com/2009/04/08/attention-first-time-homebuyers/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 16:08:20 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[cincinnati ohio real estate]]></category>
		<category><![CDATA[fha loan rates for first time homebuyers]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[loveland ohio real real estate]]></category>
		<category><![CDATA[mason ohio real estate]]></category>
		<category><![CDATA[milford ohio real estate]]></category>
		<category><![CDATA[mortgage rates for first time homebuyers]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=217</guid>
		<description><![CDATA[FIRST-TIME HOMEBUYER PROGRAM
Effective 04/06/2009 @ 12:01am
Mortgage Rates
     5.50% for loans without 2.5% assistance grant*
     6.00% for loans with 2.5% assistance grant
     5.25% for Ohio Heroes without 2.5% assistance grant*
     5.75% for Ohio Heroes with 2.5% assistance grant
     30-year fixed rate FHA/VA/USDA-RD/conventional loans are eligible
     2-1 buydowns are permitted-please see the Underwriting Guidelines
(UG) for specific product [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=217&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/04/08/attention-first-time-homebuyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Miranda Fay</media:title>
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	</item>
		<item>
		<title>State of Ohio Bond Money Rates for First Time Homebuyers</title>
		<link>http://charlenefay.wordpress.com/2009/03/04/state-of-ohio-bond-money-rates-for-first-time-homebuyers/</link>
		<comments>http://charlenefay.wordpress.com/2009/03/04/state-of-ohio-bond-money-rates-for-first-time-homebuyers/#comments</comments>
		<pubDate>Wed, 04 Mar 2009 17:33:04 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[cincinnati ohio real estate]]></category>
		<category><![CDATA[cincinnati real estate]]></category>
		<category><![CDATA[first time homebuyer state of ohio bond money]]></category>
		<category><![CDATA[state of ohio bond money]]></category>
		<category><![CDATA[state of ohio bond money rates]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=214</guid>
		<description><![CDATA[
STATE OF OHIO BOND MONEY
For the First Time Home Buyers

5.625% for loans without 2.5% assistance grant
6.125% for loans with 2.5% assistance grant
5.375% for Ohio Heroes without 2.5% assistance grant
5.875% for Ohio Heroes with 2.5% assistance grant
Good only through Aug. 3, 2009
The Tax Credit also applies for these Loans.
Call: Charlene Fay  w/ RE/MAX Elite for your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=214&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/03/04/state-of-ohio-bond-money-rates-for-first-time-homebuyers/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>Tax Credit Passes</title>
		<link>http://charlenefay.wordpress.com/2009/02/19/tax-credit-passes/</link>
		<comments>http://charlenefay.wordpress.com/2009/02/19/tax-credit-passes/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 21:06:43 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[cincinnati real estate]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[tax credit for homebuyers]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=212</guid>
		<description><![CDATA[Guidelines for Home Buyer Tax Credit
Tax credit has been increased to $8,000.
Homes have to be purchased between January 1, 2009 and December 31, 2009.
No repayment/recapture clause for homes sold after 36 months of
occupancy and ownership.
1.The Tax Credit is for home buyers (either spouse if filing jointly)
who have NOT owned a principle residence during the three-year [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=212&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/02/19/tax-credit-passes/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>Homebuyer Tax Credit</title>
		<link>http://charlenefay.wordpress.com/2009/02/13/homebuyer-tax-credit/</link>
		<comments>http://charlenefay.wordpress.com/2009/02/13/homebuyer-tax-credit/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 15:29:04 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[cincinnati real estate]]></category>
		<category><![CDATA[economic stimulus]]></category>
		<category><![CDATA[first time homebuyers tax credit]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[tax credit for homebuyers]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=207</guid>
		<description><![CDATA[Compromise Agreement Reached on Economic Stimulus
The Senate and House Conference reached an agreement yesterday on the economic stimulus package legislation.  Congressional leaders hope to officially unveil the measure sometime today. 
Homebuyer Tax Credit
The homebuyer tax credit has been modified yet again and according to
reports is as follows:
·         $15,000 tax credit has been reduced to $7,500 (or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=207&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/02/13/homebuyer-tax-credit/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>Stimulus for the Housing Industry</title>
		<link>http://charlenefay.wordpress.com/2009/02/09/stimulus-for-the-housing-industry/</link>
		<comments>http://charlenefay.wordpress.com/2009/02/09/stimulus-for-the-housing-industry/#comments</comments>
		<pubDate>Mon, 09 Feb 2009 21:06:23 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Mortage]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[tax credit for home buyers]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=203</guid>
		<description><![CDATA[Urgent Message from Dave Liniger
If you have been watching the news this week, you may have noticed that the debate in Washington has finally turned toward real stimulus for the housing industry. As a result, I believe that we could be on the brink of a substantial turn around in the real estate market. Now, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=203&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2009/02/09/stimulus-for-the-housing-industry/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>New FHA Requirements</title>
		<link>http://charlenefay.wordpress.com/2008/10/15/new-fha-requirements/</link>
		<comments>http://charlenefay.wordpress.com/2008/10/15/new-fha-requirements/#comments</comments>
		<pubDate>Wed, 15 Oct 2008 18:37:49 +0000</pubDate>
		<dc:creator>Miranda Fay</dc:creator>
				<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Mortage]]></category>
		<category><![CDATA[fha down payment assistance]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[first time homebuyer loans]]></category>
		<category><![CDATA[loan requirements for fha loans]]></category>

		<guid isPermaLink="false">http://charlenefay.wordpress.com/?p=197</guid>
		<description><![CDATA[As volatility in the financial market continues, offering a product that meets the needs of first-time homebuyers has become increasingly difficult. The ability to obtain capital to continue our programs is severely limited. Despite recent rate increases, program volume has continued at a pace that can not be sustained. It has become evident that down [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=charlenefay.wordpress.com&blog=3225163&post=197&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/10/15/new-fha-requirements/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>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>Miranda 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&blog=3225163&post=62&subd=charlenefay&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://charlenefay.wordpress.com/2008/07/02/agent-interview-questions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Miranda Fay</media:title>
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