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   <title>About.com Home Buying / Selling: Most Popular Articles</title>
   <link>http://homebuying.about.com/</link>
   
   <description>These articles are the most popular over the last month.</description>
   <language>en-us</language>
  <pubDate>Sun, 05 Jul 2009 10:39:04 +0000</pubDate>
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         <item>
         <title><![CDATA[Short Sale Basics]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/a/shortsalebasics.htm</link>
         <description><![CDATA[The fundamentals behind a short sale in real estate, why lenders may accept a real estate short sale, how to do short sales, and how a short sale financially affects sellers, whether or not the seller is in foreclosure.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying Short Sales]]></title>
         <link>http://homebuying.about.com/od/buyingahome/bb/BuyingShortSale.htm</link>
         <description><![CDATA[Buying Short Sales. Before you buy a short sale, read about your rights.  Why the seller's lender needs to approve a short sale and what is involved in closing short sale transactions.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/bb/BuyingShortSale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[First Time Home Buyer]]></title>
         <link>http://homebuying.about.com/od/buyingahome/bb/shopping1sttime.htm</link>
         <description><![CDATA[Buying a home for the first time can be overwhelming for a first-time home buyer because few home buyers know where or how to begin the search to buy a home. The first home buying step should be to align yourself with a pro who has experience working with a first-time home buyer and can show you the ropes.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Rid of Fleas]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/Getridoffleas.htm</link>
         <description><![CDATA[Flea infestation? How to get rid of fleas in your house and yard, especially before putting your house on the market. Here's how to make your house flea free and stop the fleas from coming back.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/Getridoffleas.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Preparing House for Sale]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/ht/homeprep.htm</link>
         <description><![CDATA[Do you know why identical homes don't sell at identical sales prices -- why some houses sell for more money even though their square footage is the same? Learn what you can do to boost your bottom line and sell your home quickly.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/ht/homeprep.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Short Sales Affect Credit]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/060907SScredit.htm</link>
         <description><![CDATA[The affect of short sales and foreclosures on credit reports and FICO scores. Which is better to see on a credit report - a foreclosure or a short sale? How soon after foreclosure or short sale can a seller buy a new home?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/060907SScredit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Inspection Checklist]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/091107_homeinsp.htm</link>
         <description><![CDATA[Home inspection checklist items to look for when getting a home inspection. How to tell if your home inspector checked the essentials. Major and minor repair concerns.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/091107_homeinsp.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Calculate Square Footage]]></title>
         <link>http://homebuying.about.com/od/realestatecareers/ss/square_footage.htm</link>
         <description><![CDATA[Each year, home owners discover that their new home's square footage is not the figure stated when the home was advertised. Real estate agents and for sale by owner sellers can reduce their risks of lawsuit by knowing how use accepted standards to measure and calculate a home's square footage.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestatecareers/ss/square_footage.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Don&#039;t Buy Short Sales]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/021208_BuyShort.htm</link>
         <description><![CDATA[Why buyers may pay more for a short sale. 11 drawbacks to buying short sales. The hype surrounding short sales and why buyers should use caution.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/021208_BuyShort.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Lease Options]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/091007_leaseopt.htm</link>
         <description><![CDATA[Difference between lease options and lease purchase sales. Benefits to home buyers to do a lease option. Understanding lease options.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/091007_leaseopt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Qualifying for Short Sales]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/112707_QualSS.htm</link>
         <description><![CDATA[Thinking of a short sale? Not every home owner qualifies for a short sale. Here is how to figure out if you meet the requirements for qualifying for a short sale.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Who Pays Agents]]></title>
         <link>http://homebuying.about.com/od/realestateagents/a/Whopaysagents.htm</link>
         <description><![CDATA[How does a real estate agent get paid? Who pays the real estate agent's commission? Can real estate agents get paid by both sellers and buyers. Is it legal? Just how much money do real estate agents make anyway?]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying a Short Sale House]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/22608_SSHouse.htm</link>
         <description><![CDATA[How to figure out if buying that short sale house will work. Questions to ask the short sale listing agent, and how to research the home's history before writing a short sale offer.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Foreclosures Work]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/foreclosures.htm</link>
         <description><![CDATA[All about foreclosures, the risks and the profits. What is a foreclosure? How foreclosure work. Whether you're an investor or first-time home buyer,foreclosures can be a great deal, but not without substantial risk and work. Here's how to protect yourself.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Foreclosure &amp; Short Sale Taxes]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/0407TaxesForecl.htm</link>
         <description><![CDATA[Home sellers' tax obligations on foreclosures and short sales. Distressed sale tax consequences. Sellers might owe taxes even when taking a loss and letting homes go into foreclosure or selling on a short sale.  ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/0407TaxesForecl.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Quitclaim Deed]]></title>
         <link>http://homebuying.about.com/od/glossaryqr/g/quitclaimdeed.htm</link>
         <description><![CDATA[Definition of quitclaim deed as it pertains to real estate and why it is so confusing to buyers and sellers.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossaryqr/g/quitclaimdeed.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Loan Preapproval]]></title>
         <link>http://homebuying.about.com/od/financingadvice/a/advofpreapprova.htm</link>
         <description><![CDATA[Why should a first-time home buyer get preapproved for a loan? Here are reasons why it's to a homebuyer's advantage to get preapproved for a home loan over being pre-qualified.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Deed of Trust]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/111307_DofTrust.htm</link>
         <description><![CDATA[Explanation of deed of trust. Trust deeds evidence a mortgage loan secured by a promissory note. Parties to a trust deed, including role of the trustee.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/111307_DofTrust.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying With Bad Credit]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BuyBadCredit.htm</link>
         <description><![CDATA[How buy a home with bad credit, even if you have filed bankruptcy or gone through a foreclosure. Comparing he difference in rates for a variety of FICO scores. How to get an FHA loan after foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyBadCredit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Worst Selling Mistake]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/a/overprice.htm</link>
         <description><![CDATA[Pricing real estate is part art and part science. The one thing you DO NOT want to do is overprice your home! Why? Find out why this seller had to sell at almost 50% of her original list price of $1.3 million.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/a/overprice.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[FHA Loans For Home Buying]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/FHALoansAreBack.htm</link>
         <description><![CDATA[FHA Loans are rebounding with home buyers. Find out why FHA loans are popular for first-time home buyers and the benefits to obtaining an FHA loan.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/FHALoansAreBack.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Earnest Money Deposits]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/EarnestMoney.htm</link>
         <description><![CDATA[Explains how much earnest money is required and why buyers submit good faith deposits with offers. Why are trust accounts essential and whom can a buyer trust? How does a buyer get the money back if the transaction does not close? How can a buyer lose her good faith deposit?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/EarnestMoney.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tenants in Common]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/0207TinCommon.htm</link>
         <description><![CDATA[What it means to hold title as Tenants in Common. Property deeds that show title as tenants in common. Rights of owners and possession. How to hold title as tenants in common.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/0207TinCommon.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Staging]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/WhatisStaging.htm</link>
         <description><![CDATA[Beyond decorating and cleaning, home staging is about illusions. Staging makes your house look bigger, brighter, cleaner, warmer, more loving, and it makes home buyers want to buy it.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/WhatisStaging.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Agent Interview]]></title>
         <link>http://homebuying.about.com/od/realestateagents/tp/Agentinterview.htm</link>
         <description><![CDATA[Questions to ask before you hire a real estate agent to represent you to buy or sell a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/tp/Agentinterview.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buyer&#039;s Closing Costs]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/BuyClosingCosts.htm</link>
         <description><![CDATA[Definition of closing costs, including recurring and non-recurring (prepaid) fees. Addresses seller credits to buyer for closing costs and explanation of lender's requirements for such credits.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/BuyClosingCosts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Interview Mortgage Broker]]></title>
         <link>http://homebuying.about.com/od/findingalender/tp/LOques.htm</link>
         <description><![CDATA[How do you know if your mortgage lender is giving you a good deal? Carry this list of questions to ask with you when shopping for a loan. There is more that separates loan officers and mortgage brokers from each other than interest rates and points. ]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Before Selling Home]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/012308_B4Sellng.htm</link>
         <description><![CDATA[Preparing to sell your home, before signing listing agreements or making repairs. Home selling checklist to determine if you are ready to sell your home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/012308_B4Sellng.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Property Deeds]]></title>
         <link>http://homebuying.about.com/od/titleinsurance/qt/REdeeds.htm</link>
         <description><![CDATA[Real property deeds are used to transfer title. What are Warranty Deeds, Grant Deeds and Quitclaim Deeds. What makes them valid? Do they need to be notarized? Legal instruments used to transfer title to real estate.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/titleinsurance/qt/REdeeds.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Title Insurance Policy]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/TitleInsurance.htm</link>
         <description><![CDATA[Title insurance policies as they pertain to real estate: owners and lenders title policies, terms of coverage, liability and protection. Title commitments and preliminary title reports prior to issuance of title insurance policies.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/TitleInsurance.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Modular and Manufactured Homes]]></title>
         <link>http://homebuying.about.com/cs/modulareducation/a/modularhomes.htm</link>
         <description><![CDATA[Modular homes and manufactured homes are not the same thing. They are different types of structures. The differences between a modular home and a manufactured home can affect resale value and determine whether or not the house can be built on your land. Learn the facts before you buy.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buyer&#039;s Market Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/tp/BuyersMKTOffers.htm</link>
         <description><![CDATA[Ten great tips on how to grab the edge in a buyers' market and get your purchase offer accepted at the price and terms you deserve.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/tp/BuyersMKTOffers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying Points]]></title>
         <link>http://homebuying.about.com/cs/mortgagearticles/a/discount_points.htm</link>
         <description><![CDATA[Discount points are fees paid to a lender at closing in order to lower the interest rate on your home loan. While buying points is sometimes a good decision, many times the purchase costs you more than it saves. Here are some tips that will help you decide if buying points makes sense for your home purchase.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[HUD-1 Settlement Statement]]></title>
         <link>http://homebuying.about.com/cs/titleescrow/a/hud1_settlement.htm</link>
         <description><![CDATA[Are you buying a home? The HUD-1 settlement statement is the standard real estate settlement form for federally-related mortgage loans. Deciphering the HUD-1 can be confusing, but you'll be ready to study your closing statement after reading this handy reference.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Residential Appraisals]]></title>
         <link>http://homebuying.about.com/cs/appraisals/a/real_estate.htm</link>
         <description><![CDATA[A successful home buying transaction depends quite a bit on getting a positive appraisal for the property. If you're paying cash for the house, the appraisal must only meet your approval, but if you're getting a loan, your lender will make sure that all aspects of the appraisal meet its requirements. Here are some of the appraisal results your lender will consider before granting the loan.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Offer Pricing]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/062907HomeOffer.htm</link>
         <description><![CDATA[Criteria to use when making an offer to buy a home. Data to help determine the price to pay for a home. Factors that influence home offer prices.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[For Sale By Owner]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/0307SaleByOwner.htm</link>
         <description><![CDATA[How to sell a home as a for sale by owner, without an agent, without representation. Proven tips for marketing your home as a for sale by owner]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/0307SaleByOwner.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much Can I Afford?]]></title>
         <link>http://homebuying.about.com/od/buyingahome/f/030508_Affordab.htm</link>
         <description><![CDATA[How much home can first-time home buyers afford? How to set realistic goals for home buying. Tips for selecting that first home.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[House Price]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/a/Figureprice.htm</link>
         <description><![CDATA[How much is your house worth? Here is how to determine your house value and figure out which house price is right for your real estate market.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Writing Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/tp/WriteOffers.htm</link>
         <description><![CDATA[Guide to writing offers to purchase real estate.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/tp/WriteOffers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Stopping Foreclosures]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/011708_stopfore.htm</link>
         <description><![CDATA[Ways to stop foreclosure. Alternatives and options for foreclosure, working out forbearances, note modifications, reinstatements.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/011708_stopfore.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Approval]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/42309_Waiting-for-Short-Sale-Offer-Approval.htm</link>
         <description><![CDATA[How long should a buyer wait for a short sale offer to be approved by the bank? Approximate length of time for banks to issue short sale approvaas.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/42309_Waiting-for-Short-Sale-Offer-Approval.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Land Contracts]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/LandContracts.htm</link>
         <description><![CDATA[Seller financing via a land contract, which is sometimes called an Installment Sale Land Contract or contract for deed. The benefits and drawbacks to using land contracts to buy or sell a home. The differences between wrap-around and straight land contracts.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Reasons to Buy]]></title>
         <link>http://homebuying.about.com/od/buyingahome/bb/buyhome.htm</link>
         <description><![CDATA[There are many benefits to buying a home, especially for first-time home buyers, beyond tax deductions. Here is a list of eight reasons to buy a home.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Credit Score Calculation Facts]]></title>
         <link>http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm</link>
         <description><![CDATA[Home buyers who are seeking a mortgage find out early-on that their credit score plays an important part in the home buying process and in determining the interest rate that a lender offers. Learn how your credit score is calculated and start taking steps to increase your scores.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Finding an agent]]></title>
         <link>http://homebuying.about.com/od/realestateagents/tp/findagent.htm</link>
         <description><![CDATA[How to find a great real estate agent. How do you find a qualified and knowledgeable real estate agent? Here are excellent suggestions.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/tp/findagent.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Reasons]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/071707_SSreason.htm</link>
         <description><![CDATA[Reasons to choose a short sale instead of a foreclosure. Differences between short sales and foreclosures and why a short sale could be preferable to foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/071707_SSreason.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Finding Foreclosures]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/112807_FindFrcl.htm</link>
         <description><![CDATA[How to find foreclosures, government repossessed and bank repos. Find search engines that help you locate foreclosures after the Notice of Default is filed and homes seized by government entities.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/112807_FindFrcl.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bank Rejection Short Sales]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/100108_RejectSS.htm</link>
         <description><![CDATA[Reasons behind a bank's rejection of a short sale. Why short sales are most often turned down by banks and mortgage companies. How to increase chances a lender will accept a short sale.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/100108_RejectSS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Low Appraisals]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/053107LowApprsl.htm</link>
         <description><![CDATA[Both sellers and buyers can get blindsided by low appraisals. If an appraisal comes in low, here are available options. A low appraisal doesn't mean the transaction will blow up. You can still close and salvage the deal.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Hire Real Estate Agent]]></title>
         <link>http://homebuying.about.com/od/realestateagents/tp/Whyhireagent.htm</link>
         <description><![CDATA[Why hire a real estate agent when you can do the job yourself? Here are 10 good reasons to hire a buyer's agent or a seller's agent that you might have overlooked and not considered.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying a Home Guide]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/0307Buyinghome.htm</link>
         <description><![CDATA[Complete A to Z guide to buying a home. From figuring out what you need versus in a home to what you want, to finding an agent to help you with buying a home, cleaning up credit, finding a lender and locating that perfect home to all the final details of buying a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/0307Buyinghome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Property Search]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/0407PropSearch.htm</link>
         <description><![CDATA[How to do a property search. How to find information on any property: who owns the home and balances of mortgage loans. Finding specific details of property. Public records search, MLS search, property information and tax records. Ordering free property profiles.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/0407PropSearch.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Owner Financing]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/091007_OwnFinan.htm</link>
         <description><![CDATA[Owner financing, using seller financing to buy a home. Types of owner financing and creative financing instruments. How to negotiate owner-financed real estate sales.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/091007_OwnFinan.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Counter Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/CounterOffers.htm</link>
         <description><![CDATA[What are real estate counter offers and how many times do sellers and home buyers bicker back and forth? How are counter offers rejected and accepted? What are normal procedures for counter offers and multiple counters?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/CounterOffers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Buying / Selling - QuickTips]]></title>
         <link>http://homebuying.about.com/cs/qt.htm</link>
         <description><![CDATA[An index of QuickTips for the Home Buying / Selling guide site.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/qt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bridge Loans]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/0407BridgeLoans.htm</link>
         <description><![CDATA[Bridge loans and how they work. Why a home buyer might consider a bridge loan when buying a home and selling a home. Bridge loans are temporary financing for bridging the gap between the sales price of a home and the  new mortgage.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/0407BridgeLoans.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Negotiate Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/AcceptedOffers.htm</link>
         <description><![CDATA[Offer negotiation tips: three tried and true methods that get home sellers to say &quot;yes&quot; to your real estate offer, how to negotiate an offer to acceptance by using three simple tools.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/AcceptedOffers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Close on Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/101107_homclose.htm</link>
         <description><![CDATA[Time period to close on a home. Explanation of process and time length required to close when buying a home. Ways to speed up your home closing.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/101107_homclose.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[2009 Real Estate Predictions]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/ss/110708_2009-RE.htm</link>
         <description><![CDATA[Real estate prediction and forecast for 2009. What's in store for banks, title and escrow, real estate companies, and home buyers and sellers for 2009.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/ss/110708_2009-RE.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Easements and Rights-of-Way]]></title>
         <link>http://homebuying.about.com/cs/easementsrow/a/easement_faq.htm</link>
         <description><![CDATA[Find out why you must know the details about existing easements and rights-of-way before you buy a home or other real estate.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/easementsrow/a/easement_faq.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[General Warranty Deed]]></title>
         <link>http://homebuying.about.com/cs/realestateglossary/g/generalwarranty.htm</link>
         <description><![CDATA[The definition of a general warranty deed. Real estate glossary.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/realestateglossary/g/generalwarranty.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Improving Your Credit Scores]]></title>
         <link>http://homebuying.about.com/cs/yourcreditrating/a/improve_score.htm</link>
         <description><![CDATA[Most increases to your credit scores take place over time and require an ongoing effort from you, but in order to increase your scores you must understand the factors that drive them up and down. Use these tips and techniques to start improving your credit scores today.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/yourcreditrating/a/improve_score.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Agent Protocol]]></title>
         <link>http://homebuying.about.com/od/realestateagents/tp/AgentProtcol.htm</link>
         <description><![CDATA[How to keep the peace among real estate agents when home shopping. Here are the rules laid out for you. Whether you should hire a buyer's agent or buy a house without representation. How to approach agents if you aren't sure yet whom to hire. What is proper protcol? Why listing agents sometimes get mad when you call. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/tp/AgentProtcol.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Contract Contingencies]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/011508_Contingt.htm</link>
         <description><![CDATA[Common purchase contract contingencies to use when buying a home. How to make a contract contingent on appraisal, loan and approval of inspections.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/011508_Contingt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale]]></title>
         <link>http://homebuying.about.com/od/glossarys/g/ShortSale.htm</link>
         <description><![CDATA[Definition of a short sale]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossarys/g/ShortSale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Sellers]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/060807SellShort.htm</link>
         <description><![CDATA[Who wins on a short sale? Do sellers benefit from selling homes on short sales? Who profits from short sales? Are short sales better than foreclosures for a seller?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/060807SellShort.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Land Buying Tips]]></title>
         <link>http://homebuying.about.com/od/secondhomes/qt/102507_buyland.htm</link>
         <description><![CDATA[How to buy land. Land buying tips for building a new home. Benefits and drawbacks to buying land in the country. Addressing concerns before buying land will help to ensure that you can build the home you want.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/secondhomes/qt/102507_buyland.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sales - Foreclosures]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/0507Distressed.htm</link>
         <description><![CDATA[Tips for sellers facing foreclosure, including short sales. Basics for home buyers or investors buying short sales and homes in foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/0507Distressed.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Find Right Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/a/buyerinfo.htm</link>
         <description><![CDATA[You can cut down on the red tape and save a lot of time if you stop to figure out what you might want to buy before searching for a home. Here are all the questions you need to answer upfront (and agree upon among all the home buyers) to define your objectives.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Lowball Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/0507lowballoffr.htm</link>
         <description><![CDATA[How to make a lowball offer that is not insulting to the seller. Tips on getting lowball offers accepted.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/0507lowballoffr.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Molds in Your Home]]></title>
         <link>http://homebuying.about.com/cs/mold/a/toxic_mold.htm</link>
         <description><![CDATA[Molds are a hot topic in the home buying community, especially stachybotrys chartarum, sometimes called toxic black mold. Find out what steps you should take to detect and kill black mold and other molds in your home.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Making Offers on a Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/062807homeoffer.htm</link>
         <description><![CDATA[How much to offer to buy a home. Making offers on a home, how much is too much and how much is too little to offer. Tips for figuring out a reasonable price to offer a home seller.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/062807homeoffer.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Free Timeshare Vacations]]></title>
         <link>http://homebuying.about.com/cs/timesharebasics/a/free_vacation.htm</link>
         <description><![CDATA[Time-Share resorts offer free lodging to potential buyers in exchange for their attendance at a presentation about properties the developer has for sale. Use these tips to evaluate whether or not these offers are worthwhile.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/timesharebasics/a/free_vacation.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Auction As-Is Sales]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/AuctionASIS.htm</link>
         <description><![CDATA[The condition of homes puchased at auctions or trustee sales. What can a buyer expect and prepare for when buying a home without an inspection.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/AuctionASIS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Why Buy Overpriced]]></title>
         <link>http://homebuying.about.com/od/homeshopping/a/Buyoverprice.htm</link>
         <description><![CDATA[When other buyers thumb noses at dated inventory, savvy home buyers can profit by considering homes that have been on the market longer than 30 days. When a home doesn't sell, it's not always a case of &quot;something wrong&quot; with the home. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/a/Buyoverprice.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Down Payment to Buy Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/Downpayment.htm</link>
         <description><![CDATA[How to get a down payment, apart from holding up a liquor store. Legal ways to find the cash to put down on a home. How much is required for a down payment? How much do you need to put down? If you have good credit, it's zero!]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/Downpayment.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Facts About Radon Gas]]></title>
         <link>http://homebuying.about.com/cs/radongas/a/radon_gas.htm</link>
         <description><![CDATA[Radon is a colorless, odorless, tasteless radioactive gas that can seep into your home. Most home buyers perform radon tests before buying a home because high radon levels can potentially cause health problems. Get the facts about radon tests and learn what to do if levels are high.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/radongas/a/radon_gas.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Final Walk Through]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/Walkthrough.htm</link>
         <description><![CDATA[What's involved in the final home inspection walk-through? What happens if repairs aren't made as promised or something else is wrong? What rights do home buyers have? When does the walk-through take place. All these answers and more.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/Walkthrough.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Step By Step Home Buying]]></title>
         <link>http://homebuying.about.com/cs/howtobuy/a/buying_home.htm</link>
         <description><![CDATA[You'll feel more confident about your home buying journey when you understand what is required of you and every other person who is involved in the transaction. This guide takes you through it, and shows you that you're only 11 steps away from buying a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/howtobuy/a/buying_home.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying Again After Foreclosure]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/071008_BuyAgain.htm</link>
         <description><![CDATA[After a short sale or foreclosure, how long must you wait before you can buy a home again? These Fannie Mae guidelines set forth the waiting period for home buying after a foreclosure, short sale or deed-in-lieu-of.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/f/071008_BuyAgain.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Hiring Buyer&#039;s Agents]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/071907-buyagt.htm</link>
         <description><![CDATA[Should you sign a buyer's broker agreement? Should buying agents show homes to buy without a signed buyer's broker agreement? Advantages and pitfalls to working exclusively with a buyer's agent.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/071907-buyagt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Blunders]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/Dealbusters.htm</link>
         <description><![CDATA[How to avoid messing up your real estate transaction. Here are common deal busters that agents often forget to warn buyers about.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/Dealbusters.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Correct Credit Reports]]></title>
         <link>http://homebuying.about.com/cs/yourcreditrating/a/correct_errors.htm</link>
         <description><![CDATA[You just discovered errors on your credit report, or even worse, accurate references to late payments or other issues that affect your credit scores and reports. Take a few deep breaths and try to stay calm, because credit report errors can be fixed--and without help from companies that promise to repair your credit.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/yourcreditrating/a/correct_errors.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Loan Types]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/0507loantypes.htm</link>
         <description><![CDATA[Mortgage loan types. Differences among conventional, FHA and VA mortgage loan types. Interest Only Mortgages, Adjustable-Rate Mortgage Types, Fixed-Rate Mortgages, Combo / Piggyback Loans, HELOC, home equity, reverse mortgages and bridge loans.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/0507loantypes.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Warranty]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/HomeWarranty.htm</link>
         <description><![CDATA[Explanation of home warranty coverage and plans. What do home warranty program protect? What is covered and what is excluded from coverage? How to ask a seller to pay for a home protection plan.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/HomeWarranty.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Negotiate Commissions]]></title>
         <link>http://homebuying.about.com/od/realestateagents/qt/NegCommissions.htm</link>
         <description><![CDATA[How are real estate commissions negotiated? What's fair? What's open for debate and discussion? Why should you negotiate? Why would an agent negotiate real estate commissions with you?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/qt/NegCommissions.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Marketing]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/tp/markethome.htm</link>
         <description><![CDATA[Top 10 marketing tips that are designed to sell your home faster and for more money, regardless of whether it's a buyer's or a seller's market.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/tp/markethome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Repairs Before Selling]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/ResaleRepairs.htm</link>
         <description><![CDATA[Which remodeling jobs pay back big at resale? Here is how to invest your repair and home improvement dollars to get the most bang for your buck. Whether you're fixing up a home for resale or personal enjoyment, spending the right dollars in the right rooms will return rewards.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/ResaleRepairs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buyer&#039;s Broker Agreements]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BuyersBroker.htm</link>
         <description><![CDATA[Buyer's broker agreements, authorization to represent buyers, types of buyer listing agreements, terms, conditions and duration.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyersBroker.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Land Contract Home Sales]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/0407LandConSale.htm</link>
         <description><![CDATA[How to sell your home on a land contract. Tips for putting your home up for sale on a land contract; negotiating land contract terms, protecting seller's rights under a land contract and making your land contract saleable on the secondary market.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/0407LandConSale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[REO Tips]]></title>
         <link>http://homebuying.about.com/od/foreclosures/qt/051308_REOTIPS.htm</link>
         <description><![CDATA[Tips for buying REO homes. How to get REO offers accepted on foreclosed homes, especially in multiple-offer situations.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/qt/051308_REOTIPS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[EIFS, Synthetic Stucco]]></title>
         <link>http://homebuying.about.com/cs/syntheticstucco/a/eifs_facts.htm</link>
         <description><![CDATA[EIFS, also called synthetic stucco, is under fire for promoting moisture retention that can lead to structural problems. Find out why this happens and what you can do if your home is affected.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/syntheticstucco/a/eifs_facts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Downpayment Gift Assistance]]></title>
         <link>http://homebuying.about.com/cs/downpaymentgift/a/homebuying.htm</link>
         <description><![CDATA[Downpayment gift or grant assistance programs help home buyers close on a home by providing funds for downpayment and closing costs. Find out how they work and how you can take advantage of a gift assistance program. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/downpaymentgift/a/homebuying.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Best Places to Live]]></title>
         <link>http://homebuying.about.com/od/buyingahome/a/042308_BstPlace.htm</link>
         <description><![CDATA[How to choose the best place to live. If you could live anywhere in the United States, which places would you choose that are best for you? Here's how to help you decide where you would love to live.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/a/042308_BstPlace.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cancel Purchase Contract]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/cancelcontract.htm</link>
         <description><![CDATA[How to cancel a purchase agreement, listing, buyer's broker agreement or real estate contract]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/cancelcontract.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Grantor]]></title>
         <link>http://homebuying.about.com/od/glossarygh/g/Grantor.htm</link>
         <description><![CDATA[Definition of a Grantor as it pertains to real estate. What is a Grantor? What does a Grantor Grant?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossarygh/g/Grantor.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Septic System Maintenance]]></title>
         <link>http://homebuying.about.com/cs/septicsystems/a/septic_care.htm</link>
         <description><![CDATA[Taking care of a septic tank and septic system isn't difficult, because modern waste removal systems function efficiently when you follow a few basic guidelines. Here are some tips to help you take care of your septic system.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/septicsystems/a/septic_care.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Install Ceiling Fan and Remote]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/061307ceilfan.htm</link>
         <description><![CDATA[Personal account of how to install a ceiling fan that uses a remote control. Installing remote-controlled ceiling fans: installing remotes on wall switch vs. hand-held remote control. Wiring a remote-controlled ceiling fan. How remote-control fans differ from older ceiling fans. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/061307ceilfan.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Listing agreements]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/ListingAgrmnts.htm</link>
         <description><![CDATA[Types of real estate listing agreements: Exclusive Right-to-Sell, Exclusive Agency and Open listings. Length of time to list, how to exclude buyers from the agreement, whether you can cancel the listing.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/ListingAgrmnts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Banks vs. Mortgage Brokers]]></title>
         <link>http://homebuying.about.com/cs/mortgagearticles/a/home_lenders.htm</link>
         <description><![CDATA[If you're buying a home, chances are you'll need a mortgage, but did you know there are big differences between mortgage brokers and bank loan officers? The differences affect your home buying transaction.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/mortgagearticles/a/home_lenders.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Closet Organizational Tips]]></title>
         <link>http://homebuying.about.com/od/buildingahome/a/house_storage.htm</link>
         <description><![CDATA[Extra storage is always a plus, whether you are selling a home or staying there yourself. If you are selling, consider that well designed  closets attract home buyers and help you stay organized while the home is still yours. Use these tips to maximize your closet potential.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buildingahome/a/house_storage.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Foreclosures, Short Sales, REO]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/04074clshslreo.htm</link>
         <description><![CDATA[Foreclosures, short sales and REOs: differences. Buying distressed properties under market value. Which is more profitable for a buyer -- short sales, foreclosures or real-estate-owned (REO's)? How CA law affects foreclosure sales.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/04074clshslreo.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Comparative Market Analysis]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/062107CMA.htm</link>
         <description><![CDATA[Definition of comparative market analysis (CMA) and how to interpret a CMA. Explanation of elements in a comparative market analysis. Understanding comparable sale numbers. Adjusting for variances between non-similar homes and the subject property.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/062107CMA.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Price Per Square Foot]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/f/062408_persqft.htm</link>
         <description><![CDATA[Figuring the price per square foot for real estate. How to value homes in any given area by the price per square foot, including average and median square foot market values.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/f/062408_persqft.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Pricing a Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/20209_SSPrice.htm</link>
         <description><![CDATA[How to figure out how much your short sale home is worth on the market. Pricing your short sale home to sell and at a price acceptable to your lender.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/20209_SSPrice.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Selling Mistakes]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/0507SellMistake.htm</link>
         <description><![CDATA[Common home selling mistakes sellers make and how to avoid them. Overcoming mistakes in the home selling process. How much selling mistakes cost sellers and why home sellers make mistakes.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/0507SellMistake.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Walk Away From Home]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/050608_WalkAway.htm</link>
         <description><![CDATA[Home owners who walk away from a home and let their mortgages go into default. Alternatives to walking away from your home and ways to stop foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/f/050608_WalkAway.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Improve Curb Appeal]]></title>
         <link>http://homebuying.about.com/cs/sellerarticles/a/curb_appeal.htm</link>
         <description><![CDATA[If you're selling a home, one of the first things you should do is improve its curb appeal. Use these curb appeal tips to attract potential home buyers from the moment they step out of their car.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/sellerarticles/a/curb_appeal.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Buying Questions]]></title>
         <link>http://homebuying.about.com/od/buyingahome/f/41709_Home-Buying-Questions.htm</link>
         <description><![CDATA[Here's a list of questions you need answers on before buying a home. Home buying questions to ask your agent or the seller before writing that offer to buy a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/f/41709_Home-Buying-Questions.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cash for Keys]]></title>
         <link>http://homebuying.about.com/od/foreclosures/qt/072908_cashkeys.htm</link>
         <description><![CDATA[Definition of cash for keys, including explanation of tenant's rights under foreclosure and how some how some homeowners can avoid eviction during the foreclosure process.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/qt/072908_cashkeys.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Modular Homes FAQ]]></title>
         <link>http://homebuying.about.com/cs/modulareducation/a/modular_homes.htm</link>
         <description><![CDATA[If you think a modular home is the same as a manufactured home, take a closer look. Modular homes and manufactured homes are two completely different types of structures. Learn the similarities and differences before you get too far in your home buying journey.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/modulareducation/a/modular_homes.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying REO foreclosures]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/120507_BuyREOs.htm</link>
         <description><![CDATA[How to buy a foreclosures / REOs from the bank. Negotiating offers for bank owned homes. Difference between REO homes and short sales. Hiring an agent to buy REOs.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/120507_BuyREOs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Wet Basement]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/Wetbasement.htm</link>
         <description><![CDATA[Should you buy a house with a wet basement? What types of problems are present in wet basements? Solutions to fixing wet basements. What causes spalling and efflorescence? How can you tell if water has leaked into a basement?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/Wetbasement.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Lowball Offer Mistakes]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/a/121108-lowballs.htm</link>
         <description><![CDATA[Top 5 mistakes buyers make when writing lowball offers. Why sellers reject lowball offers. How to avoid making mistakes when writing a lowball offer. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/a/121108-lowballs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[FSBO Negotiation Tips]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/0307FSBONegot.htm</link>
         <description><![CDATA[How to negotiate with buyers as a for sale by owner, write counter offers, provide seller disclosures, get through a home inspection and close your For-Sale-By-Owner deal.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/0307FSBONegot.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Ruins Credit]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/052208SScredit.htm</link>
         <description><![CDATA[Will a short sale ruin your credit rating? What is better: a short sale or a foreclosure? Length of time before a home owner can buy another home after a short sale or foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/052208SScredit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Free Credit Report]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/FreeCreditRepor.htm</link>
         <description><![CDATA[There is only one place to order your free credit report online. Don't be mislead by companies charging you a fee for ordering your credit report.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/FreeCreditRepor.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Mistakes]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/13009-SSMistake.htm</link>
         <description><![CDATA[Top 7 mistakes made by short sale sellers, and why some short sales are doomed from the start.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/13009-SSMistake.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Hire Home Inspector]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/hirehomeinspect.htm</link>
         <description><![CDATA[How to avoid hiring a bad home inspector. How to recognize clueless home inspectors. How to determine if your home inspector is qualified and credentialed. Questions to ask a home inspector. How much do home inspectors charge?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/hirehomeinspect.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Best Day to Buy a Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BestDay2BuyHome.htm</link>
         <description><![CDATA[If you could pick any day of the year to buy a home, which day is best?  Under what conditions are sellers most likely to sign a low offer? On which days can you get the best deal of the year? How the pros often make a killing in the real estate market.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BestDay2BuyHome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Buydowns]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/loanbuydowns.htm</link>
         <description><![CDATA[How buying down the interest rate gives buyers lower monthly mortgage payments. Mortgage buydowns such as 1-2-3 Buydowns or 2-1 Buydowns allow home buyers to qualify for loans that might otherwise be out of their financial reach.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/loanbuydowns.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bad Home Layouts]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/HomeLayout.htm</link>
         <description><![CDATA[What constitutes a good home layout? How to spot trouble layouts before buying a home. What types of layout turn-off home buyers and cost sellers potential profit? How can you avoid buying a home with a bad layout?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/HomeLayout.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Passing Your Home Inspection]]></title>
         <link>http://homebuying.about.com/cs/homeinspections/a/pass_inspection.htm</link>
         <description><![CDATA[Nearly all home buyers hire a professional home inspector to inspect your home before they go to closing and there are several home inspection hot-spots that worry buyers the most. Get your house ready for a home inspection by taking care of these issues before you put the house on the market.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/homeinspections/a/pass_inspection.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Foreclosure Basics]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/qt/093007_Foreclos.htm</link>
         <description><![CDATA[Three basic types of foreclosures. Explanation of pre-foreclosure, foreclosure and post-foreclosures. How to determine the type of foreclosure before writing a purchase offer.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/093007_Foreclos.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[After Buying-Things to Buy]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/AfterBuyingHome.htm</link>
         <description><![CDATA[After you buy a home, here is a budget for things you will need to buy to stock the home. Many new home owners don't think about the hidden costs of home ownership or what they will need to buy after closing. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/AfterBuyingHome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Staging Living Room]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/f/031808_StageLR.htm</link>
         <description><![CDATA[Staging a living room before selling your home. How to make that first impression a buy-me urge for home buyers. Turn a living room into a comfortable yet impersonal environment.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/f/031808_StageLR.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buy or Rent]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BuyorRent.htm</link>
         <description><![CDATA[Not everybody should buy a home. Some potential home buyers should rent and not buy. How can you tell when it's time to buy? Which factors could make renting a better option?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyorRent.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Streamlined 203K Loans]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/FixerLoans.htm</link>
         <description><![CDATA[How to get an FHA Streamlined 203K loan when buying a fixer. Benefits to a Streamlined 203K loan over a 203K FHA loan. How to apply for a Streamlinde 203K loan to fix up a house you are buying and roll the costs into your mortgage.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/FixerLoans.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Disclosures &amp; Material Facts]]></title>
         <link>http://homebuying.about.com/od/homedisclosures/qt/Req2Disclose.htm</link>
         <description><![CDATA[Homebuyers are entitled to seller disclosures and to hear all material facts. As a home seller, what do you need to disclose? Are deaths on the property required disclosures? Do you need to disclose recent repairs?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homedisclosures/qt/Req2Disclose.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tips for Buying a New Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BuyNewHome.htm</link>
         <description><![CDATA[Tips for buying a new home from a builder. What rights do buyers have when purchasing new construction? Is it wise to use the builder's agent and lender? Precautionary steps new home buyers can take to ensure the neighborhood will sustain its value and the buyer's investment is protected.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyNewHome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Junction Box]]></title>
         <link>http://homebuying.about.com/od/glossaryijk/g/JunctionBox.htm</link>
         <description><![CDATA[Definition of junction box. Installing electrical junction box.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossaryijk/g/JunctionBox.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Multiple Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/071207-MultOfrs.htm</link>
         <description><![CDATA[Multiple offer definition and tips on making offers to buy a home when competing against other home buyers. Multiple offer strategies for seller's and buyer's markets. Why not all multiple offer situations end up going to the highest home bidder.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/071207-MultOfrs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Purchase Contract]]></title>
         <link>http://homebuying.about.com/od/glossaryp/g/PurchaseContrac.htm</link>
         <description><![CDATA[Definition of a contract to purchase real estate also known as a purchase contract]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossaryp/g/PurchaseContrac.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Make Purchase Offer]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/082907_PrchOffr.htm</link>
         <description><![CDATA[Making a purchase offer and buying a home are two different things. How to tell if you're ready to make a purchase offer on a home for sale. Tips for home buyers on dealing with the emotional tug and pull over deciding to make a purchase offer.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/082907_PrchOffr.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Heating Systems]]></title>
         <link>http://homebuying.about.com/cs/appliances/a/homeheat.htm</link>
         <description><![CDATA[Details to help you identify some of the traditional home heating systems you may encounter during your search for a new home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/appliances/a/homeheat.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Mortgage]]></title>
         <link>http://homebuying.about.com/od/findingalender/qt/GetMortgage.htm</link>
         <description><![CDATA[All about lending institutions that make real estate loans. The differences among mortgage lenders such as mortgage brokers, mortgage bankers, banks, savings and loans and credit unions.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/findingalender/qt/GetMortgage.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Contingent Contracts]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/ContingentSale.htm</link>
         <description><![CDATA[How to write a purchase contract contingent on your home selling. What happens if your home doesn't sell? Enforcing the First Right of Refusal. Decisions buyers face when sellers issue a Notice to Perform. How sellers can knock a buyer out of a contingent contract. Protection clauses for both parties.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/ContingentSale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Selling Path]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/10308_SellPath.htm</link>
         <description><![CDATA[Home selling path from A to Z. Simple steps for home sellers, from choosing a sales price to closing. Complete path to selling a home in easy-to-understand terms.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/10308_SellPath.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[MLS - What is MLS?]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/0407MLS.htm</link>
         <description><![CDATA[MLS stands for multiple listing service. Definition of MLS. Suggestions for MLS home searches. How to find MLS listings in your area.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/0407MLS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Inspect Attic]]></title>
         <link>http://homebuying.about.com/od/homeshopping/a/atticinspect.htm</link>
         <description><![CDATA[Home inspections can go wrong. Undoubtedly, this is one of the worst home inspections I've ever witnessed throughout my real estate career; read this nightmare and view the graphic photographs that illustrate the horrors that can lurk in an attic.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/a/atticinspect.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bi-Weekly Mortgage Payments]]></title>
         <link>http://homebuying.about.com/cs/mortgagearticles/a/biweekly_plan.htm</link>
         <description><![CDATA[If you're in the home buying mode, you might be thinking about a bi-weekly mortgage payment plan, wondering if it can help you pay off your mortgage more quickly. Here's an explanation of how a bi-weekly mortgage payment plan works, plus tips about other methods you can use to reduce your interest expense and pay off your home loan in a much shorter time.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Notice of Default]]></title>
         <link>http://homebuying.about.com/od/glossaryno/g/011708_NODefaul.htm</link>
         <description><![CDATA[Definition of Notice of Default]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossaryno/g/011708_NODefaul.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cancel Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/052509-Cancel-Short-Sale-Contract.htm</link>
         <description><![CDATA[Short sale contract cancellation. How a seller can cancel your short sale contract and either take the home off the market or sell the home to a different short sale buyer.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/052509-Cancel-Short-Sale-Contract.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Fraud]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/120407_mrgfraud.htm</link>
         <description><![CDATA[Types of mortgage fraud. How do borrowers commit loan fraud? Mortgage loan fraud pitfalls and penalties.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/120407_mrgfraud.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Loans]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/f/031308_SSloans.htm</link>
         <description><![CDATA[Doing short sales when two loans are secured to the property. How to handle dual short sale mortgage loans. Negotiating with first- and second-position lenders for short sales.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/f/031308_SSloans.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Facts About PMI]]></title>
         <link>http://homebuying.about.com/cs/financingahome/a/pmi.htm</link>
         <description><![CDATA[If you feel there's no chance of saving enough for a downpayment on a home, don't give up. Private Mortgage Insurance (PMI) is an option that may help you get into a home more quickly than you might have imagined.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/financingahome/a/pmi.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[HUD Foreclosures]]></title>
         <link>http://homebuying.about.com/cs/buyforeclosures/a/hud_homes.htm</link>
         <description><![CDATA[Learn how to buy a HUD foreclosure. HUD foreclosures are available throughout the US. This guide will help you understand the sales process you must use if you want to buy a foreclosure from HUD.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/buyforeclosures/a/hud_homes.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Interest]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/LoanInterest.htm</link>
         <description><![CDATA[How to figure mortgage interest on your home loan. Computing simple or  mortgage interest. Determining the unpaid principal balance on your amortized loan, the monthly interest amount and the daily interest charged.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/LoanInterest.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Full-Service Agents]]></title>
         <link>http://homebuying.about.com/od/realestateagents/qt/FullServiceAgts.htm</link>
         <description><![CDATA[What do full service real estate brokers and agents do to earn all that money? Is it deserved?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/qt/FullServiceAgts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Broker Answers]]></title>
         <link>http://homebuying.about.com/od/findingalender/tp/0307LendAnswers.htm</link>
         <description><![CDATA[How to tell if the answers your mortgage broker gives you at an interview are the answers a smart borrower would want to hear. The types of responses that are satisfactory to home buyers when interviewing a mortgage broker or lender.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/findingalender/tp/0307LendAnswers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[About Real Estate Agents]]></title>
         <link>http://homebuying.about.com/od/realestateagent1/qt/AboutREAgents.htm</link>
         <description><![CDATA[How to work with a real estate agent; find, interview and hire a real estate agent; understand how agents operate and who pays them; whether you need a full-service, minimum- or discount-service agent. The differences between an agent and a Realtor. How to fire your agent.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagent1/qt/AboutREAgents.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Wood Destroying Insects]]></title>
         <link>http://homebuying.about.com/cs/beetles/a/powderpost.htm</link>
         <description><![CDATA[Wood destroying insects are a threat to nearly all homes. Learn how to detect an infestation of powder post beetles before they damage the structural components of your home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/beetles/a/powderpost.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Real Estate Agent Income]]></title>
         <link>http://homebuying.about.com/od/realestateagents/qt/102208_AgtIncom.htm</link>
         <description><![CDATA[Real estate agent potential income and the average amount of money real estate agents earn.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/qt/102208_AgtIncom.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Grantee]]></title>
         <link>http://homebuying.about.com/od/glossarygh/g/Grantee.htm</link>
         <description><![CDATA[Definition of a Grantee as it pertains to real estate.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossarygh/g/Grantee.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Downpayment Help]]></title>
         <link>http://homebuying.about.com/cs/downpaymentgift/p/gift_money.htm</link>
         <description><![CDATA[Downpayment Assistance Programs, sometimes called downpayment gift programs, are a popular option for home buyers who can afford to make mortgage payments, but need help with the initial downpayment and closing costs. Here are profiles of several DAP providers.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/downpaymentgift/p/gift_money.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Requesting Repairs]]></title>
         <link>http://homebuying.about.com/od/homeshopping/qt/060107RepairReq.htm</link>
         <description><![CDATA[Requesting repairs after a home inspection is common. Here is how to make repair requests that are acceptable and why sellers may reject unreasonable repair requests. Alternatives to making repairs that keep sellers and buyers happy.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/qt/060107RepairReq.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Fire Agent]]></title>
         <link>http://homebuying.about.com/od/realestateagents/qt/SayGoodbye.htm</link>
         <description><![CDATA[How to fire your real estate agent or terminate agency / listing agreements as a Realtor. Sure-fire signs that it's time to say goodbye. How to end your association without remorse or tension.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/qt/SayGoodbye.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tenants in Foreclosure]]></title>
         <link>http://homebuying.about.com/od/foreclosures/a/101008_tenants.htm</link>
         <description><![CDATA[Tenants can find out if a landlord is in foreclosure way ahead of time. Here's how to request a copy of the notice of default if you're a renter and want to know if your landlord is in foreclosure. Tenants' rights in a foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/a/101008_tenants.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Full-Price Counter Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/082207_CntrOffr.htm</link>
         <description><![CDATA[Receiving counter offers at full price is no reason to walk away. How to negotiate counter offers when the sellers counter at full price.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/082207_CntrOffr.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Protect Privacy]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/a/Privateshowings.htm</link>
         <description><![CDATA[Are your secrets safe? Before a home goes on the market and home buyers start to traipse through, savvy sellers will hide confidential information. Even so, you might be astonished to learn what home buyers can figure out about you. ]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Ways to Lose Your Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/tp/072007LoseHome.htm</link>
         <description><![CDATA[How to lose your home and quickly go into foreclosure. Top home buying and home financing mistakes that make buyers lose their homes.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/tp/072007LoseHome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying Swimming Pool Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/071707-SwimPool.htm</link>
         <description><![CDATA[Pros and cons to owning homes with swimming pools. Types of pool construction. Whether swimming pools add or detract from the market value of a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/071707-SwimPool.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Rejected Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/RejectedOffers.htm</link>
         <description><![CDATA[Why was your offer rejected? What did your agent do wrong? What did you do wrong? How can you get your next offer accepted? How to deal with offer rejection. Beyond price, what are seller's objections?]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Paying Cash to Buy Homes]]></title>
         <link>http://homebuying.about.com/od/investmentproperties/f/062308_pay-cash.htm</link>
         <description><![CDATA[Advantages and benefits to paying cash for a home. Ways to beat out other non-cash offers. Why a home seller prefers cash.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/investmentproperties/f/062308_pay-cash.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[VA Home Loans]]></title>
         <link>http://homebuying.about.com/cs/valoans/a/va_home_loans.htm</link>
         <description><![CDATA[If you are buying a home, and have served in the US Armed Services, you might quality for a VA home loan. It's a good program for members of our Armed Forces. Learn more about it here.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How To Sell a Time-Share]]></title>
         <link>http://homebuying.about.com/cs/timeshareresales/a/sell_timeshare.htm</link>
         <description><![CDATA[Selling a time-share usually isn't easy, but there are some things you can do to help make sure your unit is one that can be marked &quot;sold.&quot; Use these tips to sell your time-share.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/timeshareresales/a/sell_timeshare.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Finding Short Sales]]></title>
         <link>http://homebuying.about.com/od/4closureshortsales/f/031108_SSinMLS.htm</link>
         <description><![CDATA[How to find short sales online and in MLS. Secret words that identify short sale listings. How agents advertise short sales.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/f/031108_SSinMLS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Kitchen Remodel]]></title>
         <link>http://homebuying.about.com/od/investmentproperties/ss/102108_Kitchen_9.htm</link>
         <description><![CDATA[Step-by-step instructions on how to remodel a kitchen, from tearing out a kitchen, to hanging drywall, replacing electrical and plumbing, to installing new kitchen cabinets and appliances. Complete A to Z kitchen remodeling project. ]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Avoid Home Buyer Turn-Offs]]></title>
         <link>http://homebuying.about.com/od/howtosellahome/a/buyer_peeves.htm</link>
         <description><![CDATA[Are you selling a home? Potential buyers are all looking for something different, but the majority of them will turn around and walk back out of your door if they notice one or more of these Top 10 problems.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Buyer Tax Credit]]></title>
         <link>http://homebuying.about.com/od/buyingahome/a/21808_taxcredit.htm</link>
         <description><![CDATA[Explanation of the 2009 $8,000 home buyer tax credit. How to qualify for the home buyer tax credit.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/a/21808_taxcredit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Pending Home Sales Gone Bad]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/052207BadDeals.htm</link>
         <description><![CDATA[Why do pending home sales go bad? What makes pending sales fall out of escrow? Here are reasons why pending sales go back on the market. Advice on how to keep a home sale from falling apart.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/052207BadDeals.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying For Sales By Owners]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/0407BuyingFSBOs.htm</link>
         <description><![CDATA[Buying For Sale by Owner Homes. What home buyers need to know when buying For Sales by Owners: writing FSBO offers, negotiating with FSBOs, successfully closing For Sales by Owners transaction without representation by a real estate agent.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/0407BuyingFSBOs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Vent-Free Gas Logs]]></title>
         <link>http://homebuying.about.com/cs/gaslogs/a/ventfree_logs.htm</link>
         <description><![CDATA[Are vent-free gas logs, also called unvented gas logs, the best choice for your home? This article gives you the facts and helps you sort out the pros and cons of vent-free gas fireplaces.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Why Isn&#039;t My Home Selling]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/0507HomeSell.htm</link>
         <description><![CDATA[How to figure out why your home isn't selling and fix the problem so your home sells. There are a lot of reasons why a home doesn't sell apart from price.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/0507HomeSell.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Showing]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/ShowingHome.htm</link>
         <description><![CDATA[Whether you are trying to sell your home yourself without representation or you have hired an agent, you can benefit from showing your home in its best light. Here are 10 home showing tips to guide you. From the moment the buyer arrives at your front door, you've got three seconds to make a good first impression.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Agent Interview Answers]]></title>
         <link>http://homebuying.about.com/od/realestateagents/tp/0307AgtAnswers.htm</link>
         <description><![CDATA[Answers to interview questions you ask your real estate agent. Top 10 answers to most commonly asked questions of real estate agents. How to tell if your agent is a good fit for you based on the answers given to your interview questions. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/tp/0307AgtAnswers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Deficiency Judgments]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/120908_Def-Judg.htm</link>
         <description><![CDATA[Definition of deficiency judgment. How deficiency judgments are obtained after a foreclosure or a short sale. Collection attempts for a deficiency judgment.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/f/120908_Def-Judg.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Vented Gas Log Fireplaces]]></title>
         <link>http://homebuying.about.com/cs/gaslogs/a/vented_gas_logs.htm</link>
         <description><![CDATA[Gas log fireplaces are an ideal choice for anyone who wants to enjoy the warmth of a fire without the chores of hauling wood and cleaning ashes. One type of gas log fixture is vented to the outside, like woodburning fireplaces. This article helps you decide if a vented gas fireplace is the best choice for your home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/gaslogs/a/vented_gas_logs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Ways to Hold Title]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/a/110308_TitleOpt.htm</link>
         <description><![CDATA[Options for holding title on a property deeds. Explanation of joint tenants, tenants in common, right of survivorship and community property.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/a/110308_TitleOpt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[RE Agents vs. REALTORS]]></title>
         <link>http://homebuying.about.com/od/realestateagents/qt/RealtorvsAgent.htm</link>
         <description><![CDATA[The differences between real estate agents and REALTORS. What sets real estate agents apart from REALTORS.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/qt/RealtorvsAgent.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[DIY Mistakes]]></title>
         <link>http://homebuying.about.com/od/investmentproperties/qt/DIYMistakes.htm</link>
         <description><![CDATA[How to avoid the top Do-It-Yourself home improvement mistakes. How not to screw up when fixing up a house to sell or flip. How to make your next DIY project go more smoothly and finally sell that house for top dollar.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/investmentproperties/qt/DIYMistakes.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Exterior Siding]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/091707_Siding.htm</link>
         <description><![CDATA[Overview of types of home siding. Benefits to replacing exterior siding. How home siding affects resale value of homes.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/091707_Siding.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buy and Bail]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/061808_Buy-Bail.htm</link>
         <description><![CDATA[Buy and bail is a phrase used to describe how some home owners buy a new home and then bail (go into foreclosure) on the former home. Is buy and bail against the law?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/f/061808_Buy-Bail.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying in Falling Market]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/BuyFallingMkt.htm</link>
         <description><![CDATA[Strategies for buying a home in a depressed real estate market. When real estate prices drop, here are buying tips on how to deal with a falling market of declining prices.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyFallingMkt.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale or Bank-Owned]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/91608_SS-REO.htm</link>
         <description><![CDATA[Buying a short sale or waiting for the foreclosure to happen, which is better? Foreclosure home prices (REOs) can be cheaper than a short sale price. If you are trying to decide between waiting for the bank to take back a home or negotiating a short sale upfront, here are is what you need to know.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/91608_SS-REO.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Sell House Where Pets Live]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/sellwithpets.htm</link>
         <description><![CDATA[How to sell a house where pets live, especially to potential buyers who do not like pets. From overcoming objections to pets, to eliminating pet odors and stains, dealing with dirty cat boxes and barking dogs to get the sale. Advice on how to get top dollar for a home with pets in residence.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/sellwithpets.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Appraisals HVCC]]></title>
         <link>http://homebuying.about.com/od/financingadvice/f/061109_Appraisals-Home-Valuation-Code-of-Conduct-HVCC.htm</link>
         <description><![CDATA[How appraisals are handled on homes when the Home Valuation Code of Conduct (HVCC) went into effect on May 1, 2009. Why conventional and FHA appraisers handle the appraisal process differently because of HVCC.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/f/061109_Appraisals-Home-Valuation-Code-of-Conduct-HVCC.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Marketing Mistakes]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/DriveTraffic.htm</link>
         <description><![CDATA[Alternative approaches to attracting home buyers. When market activity cools, not every home will sell. Houses with the most traffic through them go &quot;pending&quot; faster, and here's how to do it.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Increase Traffic]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/IncreaseTraffic.htm</link>
         <description><![CDATA[10 tips to increase traffic to your home. How to get buyers to see / tour your home. Making your phone ring with multiple requests for showings. Standing out in the crowd of homes on the market. Winning over home buyers.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/IncreaseTraffic.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Stage Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/061909_Stage-Short-Sales.htm</link>
         <description><![CDATA[Tips for staging a short sale home. Ryan Brown from Bravo TV Flipping Out talks with Elizabeth Weintraub about how to stage a short sale home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/061909_Stage-Short-Sales.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Adjustable Rate Mortgages]]></title>
         <link>http://homebuying.about.com/cs/mortgagearticles/a/mortgages_arm.htm</link>
         <description><![CDATA[An adjustable rate mortgage, called an ARM for short, offers home buyers lower initial interest rates, but the lower rates are not guaranteed for the length of the loan. Learn how ARMs work and when an adjustable rate mortgage might be your best option for a home loan.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Loan Locks]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/LoanLock.htm</link>
         <description><![CDATA[Loan locks, when is the best time to lock a loan? Should buyers / borrowers lock loan rates? What does it cost to lock a loan? What happens if you don't lock a loan? Is there risk involved?]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[American Dream Downpayment Act]]></title>
         <link>http://homebuying.about.com/cs/downpaymentgift/a/american_dream.htm</link>
         <description><![CDATA[The American Dream Downpayment Act will provide downpayment assitance to first time home buyers throughout the United States. Find out if you qualify for the government's new grant program.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[FHA Refinance]]></title>
         <link>http://homebuying.about.com/od/financingadvice/a/101408_FHA-Refi.htm</link>
         <description><![CDATA[The HOPE for Homeowners program allows an FHA refinance for upside-down home owners, touted as relief from foreclosure or short sales, providing home owners qualify for the FHA program.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Prep Home 4 Inspection]]></title>
         <link>http://homebuying.about.com/od/homeshopping/tp/PrepHomeInspect.htm</link>
         <description><![CDATA[Getting your house ready for a home inspector. What will the inspector need you to do to prepare for the home inspection? Tips to ensure the home inspector moves through quickly and easily.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Single Women Buy Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/WomenBuy.htm</link>
         <description><![CDATA[Record numbers of single women who are first-time homebuyers are buying homes. If you're a single woman who wants to buy a house, the good news is the market is wide open for you. Smart sellers market to women and more are selling to single women than ever before in history.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Walk Away From Closing]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/020508_WalkAway.htm</link>
         <description><![CDATA[Sometimes buyers decide to walk away from closing and forfeit their earnest money deposit. What can sellers do if buyers don't show up at closing? How buyers can walk away from closing and why.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale-REO Buyers Agents]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/91808_SS-Agents.htm</link>
         <description><![CDATA[How to find an REO or Short Sale Buyer's Agent. Cut to the chase and hire the most experienced REO / Short Sale buyer's agent by following these tips. Don't buy an REO or Short Sale home without hiring a real estate agent with a successful track record.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Fix Up or Sell as Is]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/f/090308_Fix_AsIs.htm</link>
         <description><![CDATA[Whether home sellers are better off fixing up the home or selling the house as is. How to draw the line at selling a home in its present condition or making repairs.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2009-07-05T10:39:04Z</dc:date>
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