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	<title>CTFlatFee.com &#187; Buyers</title>
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		<title>New home buyer tax credit details</title>
		<link>http://ctflatfee.com/new-home-buyer-tax-credit-details</link>
		<comments>http://ctflatfee.com/new-home-buyer-tax-credit-details#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:59:31 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/new-home-buyer-tax-credit-details</guid>
		<description><![CDATA[
			
				
			
		
Congress has extended and expanded the home buyer tax credit for 2009-2010, which is great news for sellers and buyers!
The modifications in the column labeled “December 1 – April 30, 2010” become effective when President Obama signs the bill. All changes made to the current credit become effective on that date, as well.




PROGRAM FEATURE
Jan 1 [...]]]></description>
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		<title>Contingencies in the Contract</title>
		<link>http://ctflatfee.com/contingencies-in-the-contract</link>
		<comments>http://ctflatfee.com/contingencies-in-the-contract#comments</comments>
		<pubDate>Thu, 20 Aug 2009 11:00:59 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=874</guid>
		<description><![CDATA[
			
				
			
		
In real estate contracts the contingency is a common element. Contingencies are clauses in a contract that give either the buyer or seller a way to get out of the contract if certain conditions or timelines aren&#8217;t met. A commonly used example is that of a buyer making an offer on a new home before [...]]]></description>
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		<title>Selling One, Buying Another</title>
		<link>http://ctflatfee.com/selling-one-buying-another</link>
		<comments>http://ctflatfee.com/selling-one-buying-another#comments</comments>
		<pubDate>Thu, 20 Aug 2009 04:00:03 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Sellers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=862</guid>
		<description><![CDATA[
			
				
			
		
In a perfect world, you sell your old home and buy the new one on the same day. Given that things rarely turn out perfectly, here are some things to keep in mind as you work to  negotiate the sale of one house with the purchase of another.
Time it right
Fall and spring are the [...]]]></description>
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		<title>Using Tax Credit Towards Closing Costs</title>
		<link>http://ctflatfee.com/using-tax-credit-towards-closing-costs</link>
		<comments>http://ctflatfee.com/using-tax-credit-towards-closing-costs#comments</comments>
		<pubDate>Fri, 29 May 2009 19:15:16 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/using-tax-credit-towards-closing-costs</guid>
		<description><![CDATA[
			
				
			
		
Great news that will help speed up the housing recovery and offer buyers more incentive to purchase a home now.
FHA-approved lenders received the go-ahead to develop bridge-loan products that enable first-time buyers to use the benefits of the federal tax credit upfront, according to eagerly awaited guidance from the U.S. Department of Housing and Urban [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Buying foreclosed homes at auction</title>
		<link>http://ctflatfee.com/buying-foreclosed-homes-at-auction</link>
		<comments>http://ctflatfee.com/buying-foreclosed-homes-at-auction#comments</comments>
		<pubDate>Mon, 18 May 2009 04:02:13 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/buying-foreclosed-homes-at-auction</guid>
		<description><![CDATA[
			
				
			
		
You can get a real steal at a house foreclosure auction sale, or you can overpay for a money pit. This video gives tips to avoid the latter.

]]></description>
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		<title>Search price reduced homes on Trulia</title>
		<link>http://ctflatfee.com/search-price-reduced-homes-on-trulia</link>
		<comments>http://ctflatfee.com/search-price-reduced-homes-on-trulia#comments</comments>
		<pubDate>Thu, 23 Apr 2009 23:00:49 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/search-price-reduced-homes-on-trulia</guid>
		<description><![CDATA[
			
				
			
		
Today Trulia launched a tool that allows home buyers to search for &#8220;reduced priced&#8221; homes.
Home buyers, sellers, agents, investors and real estate junkies alike can now search for price reductions on Trulia.
Instead of talking about it, visit the Trulia website and read more&#8230;
]]></description>
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		<title>Housing Stimulus Tax Credit Facts</title>
		<link>http://ctflatfee.com/housing-stimulus-tax-credit-facts</link>
		<comments>http://ctflatfee.com/housing-stimulus-tax-credit-facts#comments</comments>
		<pubDate>Fri, 27 Feb 2009 21:43:51 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/2009-housing-stimulus-tax-credit-facts</guid>
		<description><![CDATA[
			
				
			
		
First-Time Home Buyer 2009 Housing Stimulus Legislation Tax Credit Fact Sheet
Who is Eligible

The $8,000 tax credit is available for first-time home buyers only.
The law defines a first-time home buyer as a buyer who has not owned a home during the past three years.
All U.S. citizens who file taxes are eligible to participate in the program.

Types [...]]]></description>
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		<title>Why Get a Home Inspection?</title>
		<link>http://ctflatfee.com/why-get-a-home-inspection</link>
		<comments>http://ctflatfee.com/why-get-a-home-inspection#comments</comments>
		<pubDate>Sat, 17 Jan 2009 11:06:01 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=868</guid>
		<description><![CDATA[
			
				
			
		
If you are buying a home, you need to know exactly what you are getting. A home inspection, performed by a licensed home inspector, will reveal any hidden problems with the home so that they may be addressed BEFORE the deal is closed. You should make sure the purchase contract has an inspection contingency. Then, [...]]]></description>
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		<item>
		<title>17 Tips for Packing Like a Pro</title>
		<link>http://ctflatfee.com/17-tips-for-packing-like-a-pro</link>
		<comments>http://ctflatfee.com/17-tips-for-packing-like-a-pro#comments</comments>
		<pubDate>Thu, 15 Jan 2009 21:09:55 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/17-tips-for-packing-like-a-pro</guid>
		<description><![CDATA[
			
				
			
		
Moving to a new home can be stressful, to say the least. Make it easy on yourself by planning far in advance and making sure you’ve covered all the bases.
1. Plan ahead by organizing and  budgeting. Develop a master “to do” list so you won’t  forget something critical on moving day, and create [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Why you should own instead of renting</title>
		<link>http://ctflatfee.com/why-you-should-own-instead-of-renting</link>
		<comments>http://ctflatfee.com/why-you-should-own-instead-of-renting#comments</comments>
		<pubDate>Tue, 13 Jan 2009 23:35:25 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=866</guid>
		<description><![CDATA[
			
				
			
		
You&#8217;ve probably seen lots of financial arguments about why you should own your own home rather than rent. This includes budgeting (no rent increases) and the tax savings you&#8217;ll most likely have. Now I&#8217;m going to give you some reasons you probably haven&#8217;t heard.
Freedom to pursue other goals in life once the major goal of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get Your Finances in Order: To-Do List</title>
		<link>http://ctflatfee.com/get-your-finances-in-order-to-do-list</link>
		<comments>http://ctflatfee.com/get-your-finances-in-order-to-do-list#comments</comments>
		<pubDate>Wed, 31 Dec 2008 05:49:26 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=1334</guid>
		<description><![CDATA[
			
				
			
		
1. Develop a household budget. Instead of  creating a budget of what you’d like to spend, use receipts to create a budget  that reflects your actual spending habits over the last several months. This  approach will factor in unexpected expenses, such as car repairs, as well as  predictable costs such as [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Loan Related Closing Costs</title>
		<link>http://ctflatfee.com/loan-related-closing-costs</link>
		<comments>http://ctflatfee.com/loan-related-closing-costs#comments</comments>
		<pubDate>Fri, 26 Sep 2008 21:05:16 +0000</pubDate>
		<dc:creator>Fred Romano</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://ctflatfee.com/?p=876</guid>
		<description><![CDATA[
			
				
			
		
Here are some fees and closing costs you should be aware of when you decide to purchase a home. Consult with your mortgage broker for more details on these and how you can minimize your closing costs.
Loan Origination Fee
This covers the administrative expenses in setting-up and processing the loan. The loan origination fee may be [...]]]></description>
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