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   <title><![CDATA[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>Thu, 16 Feb 2012 11:18:26 +0000</pubDate>
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   <title>About.com</title>
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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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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 a bad credit home loan after foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/BuyBadCredit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Process]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/Short-Sale-Process.htm</link>
         <description><![CDATA[How the short sale process is handled from listing the home to reaching short sale approval by the bank. Complete A to Z short sale process.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/Short-Sale-Process.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/a/Whopaysagents.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[short sale vs. foreclosure]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/072509_Short-Sale-vs-Foreclosure.htm</link>
         <description><![CDATA[Should you do a short sale or a foreclosure? Is a short sale or foreclosure better for your credit rating? How do you qualify for a short sale? Are there any advantages at all to doing a foreclosure?]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/112707_QualSS.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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 approvals.]]></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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying After Foreclosure or Short Sale]]></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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What is a Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/What-Is-A-Short-Sale.htm</link>
         <description><![CDATA[What is a short sale? Explanation of a short sale. Why not every short sale on the market is an actual short sale. What constitutes a real short sale?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/What-Is-A-Short-Sale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/bb/buyhome.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/a/Figureprice.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/062907HomeOffer.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/LandContracts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Negotiate Offers]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/AcceptedOffers.htm</link>
         <description><![CDATA[The best way to get an offer accepted is to appeal to a seller's emotions. Why? Because residential real]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/AcceptedOffers.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[REO Foreclosures]]></title>
         <link>http://homebuying.about.com/od/foreclosures/qt/051308_REOTIPS.htm</link>
         <description><![CDATA[Tips for buying REO foreclosure homes. How to get REO foreclosure offers accepted on bank-owned 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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/cs/gaslogs/a/ventfree_logs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What is a BPO?]]></title>
         <link>http://homebuying.about.com/od/glossaryb/g/100109_BPO.htm</link>
         <description><![CDATA[Definition of BPO. What is a BPO?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/glossaryb/g/100109_BPO.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/tp/Whyhireagent.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Insurance]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/What-Is-Mortgage-Insurance.htm</link>
         <description><![CDATA[The basics of private mortgage insurance. Why does a borrower need private mortgage insurance? What do these companies insure when you take out insurance on your mortgage and how much does it cost?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/qt/What-Is-Mortgage-Insurance.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/a/buyerinfo.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Offer]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/071709_short-sale-offer.htm</link>
         <description><![CDATA[How to make a short sale offer. 10 tips for making a short sale offer that will encourage the seller to accept it and the bank to issue short sale approval. ]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/071709_short-sale-offer.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[HAFA Short Sales]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/Hafa-Short-Sale-Program.htm</link>
         <description><![CDATA[Rules for HAFA short sales. Benefits and overview of HAFA short sale program for underwater sellers. How the HAFA short sale seller can get paid to sell on a short sale.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/Hafa-Short-Sale-Program.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Mortgage Payments]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/11508_Stop-Pay.htm</link>
         <description><![CDATA[Should sellers stop making mortgage payments to do a short sale? Ramifications and consequences of not paying a mortgage while attempting a short sale.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/11508_Stop-Pay.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/cs/mold/a/toxic_mold.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Buying Path]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/121907_buy-path.htm</link>
         <description><![CDATA[A to Z home buying path, 18 simple steps for first-time home buyers, from hiring an agent to closing. Complete path to buying a home in easy-to-understand terms.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/121907_buy-path.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Real Estate Commission]]></title>
         <link>http://homebuying.about.com/cs/newagents/a/commissions_2.htm</link>
         <description><![CDATA[New real estate agents sometimes aren't aware that commissions are usually shared by all agencies who participate in a sale. Here are some examples that show how commissions are split.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Hardship Letter]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/How-To-Write-A-Hardship-Letter.htm</link>
         <description><![CDATA[How to write a hardship letter that is likely to win over the bank. Whether you seek a short sale or a loan modification, the bank will request that you write a hardship letter. Tips for putting your hardship into words.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Why Buy Overpriced]]></title>
         <link>http://homebuying.about.com/od/homeshopping/a/Buyoverprice.htm</link>
         <description><![CDATA[Common knowledge dictates that if a home doesn't sell , there must be something wrong with it. That's]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/homeshopping/a/Buyoverprice.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Arms-Length Affidavit]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/arms-length-affidavit.htm</link>
         <description><![CDATA[Definition of an arms-length affidavit and why a short sale seller can't sell a home to a relative or business associate. Sample verbiage from a short sale bank regarding the arms-length affidavit.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/arms-length-affidavit.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Approved Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/081009_Approved-Short-Sale.htm</link>
         <description><![CDATA[Definition and explanation of approved short sale. What an approved short sale actually means when you see it listed that way.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/081009_Approved-Short-Sale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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 places 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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buyer Agent&#039;s Commission]]></title>
         <link>http://homebuying.about.com/od/realestateagents/f/4909_PaysBuyerAgts.htm</link>
         <description><![CDATA[How buyer's agents in real estate are paid. Does a buyer's agent get paid by the buyer or the seller? How buyer's agents earn a commission.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/realestateagents/f/4909_PaysBuyerAgts.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying a Home]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/Buying-Your-First-Home.htm</link>
         <description><![CDATA[How to buy a home. The five essential steps to buying your first home. Tips for home buying. How to avoid mistakes when buying a home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/Buying-Your-First-Home.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buy Newer or Older Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/052307NeworOld.htm</link>
         <description><![CDATA[Home buying new or older homes. Differences between new homes and old homes. Should a first-time home buyer buy a newer home or older? Which is more expensive?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/052307NeworOld.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/f/090308_Fix_AsIs.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Losses on Residence]]></title>
         <link>http://homebuying.about.com/od/taxes/qt/082807_HomeLoss.htm</link>
         <description><![CDATA[How to write off a home loss on your personal residence by turning it into a rental. IRS guidelines and expert tax advice about deducting home losses from your tax return.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/taxes/qt/082807_HomeLoss.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Myths]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/070309-Short-Sale-Myths.htm</link>
         <description><![CDATA[Popular myths about short sales. Top 5 misconceptions about a short sale. Why agents, sellers and buyers don't understand how a short sale works and believe the myths they hear.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/070309-Short-Sale-Myths.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bank of America Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/qt/061710-Bank-of-America-Short-Sales.htm</link>
         <description><![CDATA[How to get a short sale approved by Bank of America. Tips for navigating Equator.com to process Bank of America short sales.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/qt/061710-Bank-of-America-Short-Sales.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mortgage Payment]]></title>
         <link>http://homebuying.about.com/od/financingadvice/f/051509_Mortgage-Payment.htm</link>
         <description><![CDATA[How to figure out when your first mortgage payment is due. Mortgage payments pay first to interest, then to principal.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/financingadvice/f/051509_Mortgage-Payment.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Open Houses]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/OpenHouse.htm</link>
         <description><![CDATA[Selling houses at an open house. Here's how to host a successful open house and sell that house. Not all homes are candidates for holding open and why.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/OpenHouse.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Open House Etiquette]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/060707OpnHseEtq.htm</link>
         <description><![CDATA[Etiquette and guidelines for attending open houses. What sellers and real estate agents expect from open house guests. How to make your open house visit productive by following open house do's and don'ts. How to find out if the listing agent is holding the open house.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/060707OpnHseEtq.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Negotiate Short Sales]]></title>
         <link>http://homebuying.about.com/od/shortsale/a/111008_NegShort.htm</link>
         <description><![CDATA[How to negotiate with banks on a short sale. Tips for getting the bank to accept a short sale offer.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/a/111008_NegShort.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Short Sale Profits]]></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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Active Short Sale Contingent]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/092409-Active-short-sale-contingent.htm</link>
         <description><![CDATA[Definition of active short sale contingent as it pertains to homes for sale that are short sales. Why status terms for active short contingent home listings vary around the country.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/092409-Active-short-sale-contingent.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[For Sale By Owner Negotiation]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/0307FSBONegot.htm</link>
         <description><![CDATA[How to handle negotiation 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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying a Gas Log Fireplace]]></title>
         <link>http://homebuying.about.com/od/fireplaces/bb/fireplace_facts.htm</link>
         <description><![CDATA[Gas logs are growing in popularity every year, so manufacturers have geared-up to offer us a wide selection of appliances. You'll find gas logs, freestanding gas stoves, and contained fireplace units that are mounted to a wall. But did you know that the residue produced by gas logs are not always vented to the outside? It's important to understand the differences between vented and vent-free units before you buy a gas log fireplace.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bank owned vs regular home]]></title>
         <link>http://homebuying.about.com/od/foreclosures/f/Should-We-Buy-A-Bank-Owned-Home-Or-A-Regular-Home.htm</link>
         <description><![CDATA[Differences between buying a bank owned home versus a regular home from a traditional seller. If both homes are priced the same, is it easier to buy a bank owned home than a regular home?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/f/Should-We-Buy-A-Bank-Owned-Home-Or-A-Regular-Home.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tearing Down House]]></title>
         <link>http://homebuying.about.com/od/investmentproperties/qt/92707_TearDown.htm</link>
         <description><![CDATA[Determining if a house is worth tearing down. Steps to take before you tear down a house and a thorough explanation of that process. Alternatives to tearing down a house.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/investmentproperties/qt/92707_TearDown.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[No Hardship Short Sale]]></title>
         <link>http://homebuying.about.com/od/shortsale/f/Can-We-Do-A-Strategic-Short-Sale-Without-A-Hardship.htm</link>
         <description><![CDATA[The strategic short sale without a hardship is possible under certain types of circumstances. How to do a no hardship short sale.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/shortsale/f/Can-We-Do-A-Strategic-Short-Sale-Without-A-Hardship.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Deed in Lieu of Foreclosure]]></title>
         <link>http://homebuying.about.com/od/foreclosures/qt/What-Is-A-Deed-In-Lieu-Of-Foreclosure.htm</link>
         <description><![CDATA[Definition of a deed in lieu of foreclosure. Is a deed in lieu of foreclosure better than a short sale? Reasons a bank might accept a deed in lieu of foreclosure. Tax and legal consequences of a deed in lieu.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/qt/What-Is-A-Deed-In-Lieu-Of-Foreclosure.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Fixer Upper Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/090507_FixrUppr.htm</link>
         <description><![CDATA[How to buy a fixer upper home. Analyzing repair costs to fix up a home. Spotting good buys that require cosmetic improvements over major rehab projects.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/090507_FixrUppr.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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 and the Home Equity Sales Act affects the purchase of homes in foreclosure.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/4closureshortsales/qt/04074clshslreo.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Selling Net Profit]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/092407_netproft.htm</link>
         <description><![CDATA[After deducting all costs of home selling, how to figure out a seller's net profit. How much will you make after selling a home? Computing a home seller's net equity and proceeds of sale.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/092407_netproft.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Competing with Foreclosures]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/qt/compete-foreclosure-short-sale.htm</link>
         <description><![CDATA[How to sell your home in a market dominated by foreclosures and short sales. Home selling tips for regular sales in a distressed neighborhood.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/qt/compete-foreclosure-short-sale.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Making an Offer on a Home]]></title>
         <link>http://homebuying.about.com/cs/titleescrow/a/items_remaining.htm</link>
         <description><![CDATA[When you buy a home you cannot assume the home sellers agree with your ideas of what stays with the property and what goes with them. You must include the details with your offer to purchase, where they become a signed agreement of the contract.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/titleescrow/a/items_remaining.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Winterizing Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/92607_WinterHom.htm</link>
         <description><![CDATA[How to winterize your home and prepare for winter. Home maintenance tips to make the seasonal transition from summer to winter, regardless of where you live.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/92607_WinterHom.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Deduct Loan Points]]></title>
         <link>http://homebuying.about.com/od/marketfactstrends/qt/TaxDedPoints.htm</link>
         <description><![CDATA[What are points and how do loan points work? How do points qualify as a tax deduction? Why buyers can write off loan points that sellers pay. How to write off prepayment penalties from taxes.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/marketfactstrends/qt/TaxDedPoints.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/howtosellahome/a/buyer_peeves.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Selling on a Budget]]></title>
         <link>http://homebuying.about.com/od/sellingahouse/f/Home-Selling-on-a-Budget.htm</link>
         <description><![CDATA[How to get your home ready for sale without breaking the bank. Ways to sell a home on a budget.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/f/Home-Selling-on-a-Budget.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>
         <guid isPermaLink="true">http://homebuying.about.com/od/sellingahouse/a/Privateshowings.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Selling Before Buying]]></title>
         <link>http://homebuying.about.com/od/buyingahome/qt/Buy1storSell1st.htm</link>
         <description><![CDATA[Which comes first? Buying or selling? What are the advantages to selling a home first and then buying over doing it the other way around? How do market conditions affect the order in which you sell and buy?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/qt/Buy1storSell1st.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Minimum Down Payment]]></title>
         <link>http://homebuying.about.com/od/buyingahome/f/How-Much-Do-We-Need-As-A-Down-Payment-To-Buy-A-Home.htm</link>
         <description><![CDATA[What is the minimum down payment required to buy a home? How to choose the loan with the lowest down payment for home buying. How to calculate the down payment amount that is right for you as a first-time home buyer.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/f/How-Much-Do-We-Need-As-A-Down-Payment-To-Buy-A-Home.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Building a Safe Room]]></title>
         <link>http://homebuying.about.com/cs/saferooms/a/safe_rooms.htm</link>
         <description><![CDATA[Where do you go for safety during a wind storm? One storm shelter choice is the safe room, a structure designed to withstand battering ferocious winds and the debris caught up in them. Find out how you can add a safe room to your new or existing home.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/cs/saferooms/a/safe_rooms.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buy Foreclosure Cheap]]></title>
         <link>http://homebuying.about.com/od/foreclosures/qt/How-To-Buy-A-Cheap-Foreclosure.htm</link>
         <description><![CDATA[Ways to buy a cheap foreclosure at a bargain price. How a bank determines the price of a foreclosure, and why not every foreclosure is a cheap buy.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/foreclosures/qt/How-To-Buy-A-Cheap-Foreclosure.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Homeowner Insurance]]></title>
         <link>http://homebuying.about.com/od/hazardfireinsurance/qt/homeinsurance.htm</link>
         <description><![CDATA[How to save money when buying homeowner insurance, determine adequate coverage and insurance deductibles. Features of cost replacement coverage, policy options, umbrella policies and available discounts.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/hazardfireinsurance/qt/homeinsurance.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[One-Story vs Two-Story Homes]]></title>
         <link>http://homebuying.about.com/od/buyingahome/f/One-Story-Vs-A-Two-Story-Home-Which-Is-Better-To-Buy.htm</link>
         <description><![CDATA[Pros and cons of buying a one-story home vs. a two-story home. Which is better to buy -- a one story or a two-story home? Do two-story homes hold their value better?]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/buyingahome/f/One-Story-Vs-A-Two-Story-Home-Which-Is-Better-To-Buy.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Remove Selling Contingency]]></title>
         <link>http://homebuying.about.com/od/offersnegotiations/qt/0407RemContSell.htm</link>
         <description><![CDATA[Remove the contingency to sell under first right of refusal -- pitfalls and advantages during contract negotiation when buying before selling. How to deal with a 72-hour right-of-refusal notice on a contingent contract.]]></description>
         <guid isPermaLink="true">http://homebuying.about.com/od/offersnegotiations/qt/0407RemContSell.htm</guid>
         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>2012-02-16T11:18:26Z</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>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
         </item>
         
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         <title><![CDATA[Refinance Mortgages]]></title>
         <link>http://homebuying.about.com/od/financingadvice/qt/92709_Refinance.htm</link>
         <description><![CDATA[Tips to consider before doing a mortgage loan refinance. How to recoup mortgage loan refinance costs, comparing rolling costs into the loan and scrutinizing amortization periods to accelerate loan payoffs. The drawbacks to refinancing that a lender won't tell you.]]></description>
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         <dc:subject>homegarden</dc:subject>
         <dc:date>2012-02-16T11:18:26Z</dc:date>
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