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	<link>http://yourhomeyouragent.wordpress.com</link>
	<description>A blog by Tonya Locken</description>
	<lastBuildDate>Sat, 17 Dec 2011 16:13:02 +0000</lastBuildDate>
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		<link>http://yourhomeyouragent.wordpress.com</link>
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		<title>A good time for a great cause!</title>
		<link>http://yourhomeyouragent.wordpress.com/2011/12/09/a-good-time-for-a-great-cause/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2011/12/09/a-good-time-for-a-great-cause/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 17:34:22 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Around the Sound]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[events]]></category>
		<category><![CDATA[Fife]]></category>
		<category><![CDATA[Milton]]></category>

		<guid isPermaLink="false">https://yourhomeyouragent.wordpress.com/?p=346</guid>
		<description><![CDATA[My long time friend Teresa Gray is at it again with her 3rd annual benefit to support local (Fife/Milton) families in need during the holiday season. Held at Buds Saloon in Milton the evening will feature a $5.95 spaghetti dinner, silent auction, raffles, appearances by Santa, psychic readings, and live music. All proceeds go to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=346&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>Increase your take home pay with a mortgage tax credit</title>
		<link>http://yourhomeyouragent.wordpress.com/2011/12/07/increase-your-take-home-pay-with-a-mortgage-tax-credit/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2011/12/07/increase-your-take-home-pay-with-a-mortgage-tax-credit/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 23:33:06 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[home buyer tax credit]]></category>
		<category><![CDATA[homebuyer assistance]]></category>
		<category><![CDATA[MCC]]></category>
		<category><![CDATA[Mortgage Credit Certificate]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=372</guid>
		<description><![CDATA[Mortgage Credit Certificate<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=372&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Back in the saddle again</title>
		<link>http://yourhomeyouragent.wordpress.com/2011/11/23/back-in-the-saddle-again/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2011/11/23/back-in-the-saddle-again/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 00:52:58 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=331</guid>
		<description><![CDATA[After a year or so off from real estate, I decided to jump back on that horse and see where it leads me.  Giddy Up!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=331&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>HUD makes changes to speed resale of foreclosed properties</title>
		<link>http://yourhomeyouragent.wordpress.com/2010/01/22/hud-makes-changes-to-speed-resale-of-foreclosed-properties/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2010/01/22/hud-makes-changes-to-speed-resale-of-foreclosed-properties/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 19:21:26 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Foreclosures, Short Sales, Bank Owned]]></category>
		<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[FHA insured financing]]></category>
		<category><![CDATA[HUD]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=296</guid>
		<description><![CDATA[HUD announces a temporary policy change (1 year beginning Feb. 1, 2010) that will allow FHA insured financing on foreclosed properties. For example in the past if an investor purchased a foreclosed property with the intention of rehabilitating it and then reselling it, the seller would need to wait 90 days (called title seasoning) before re-selling [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=296&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Will this house pass a FHA appraisal?</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/10/21/will-this-house-pass-a-fha-appraisal/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/10/21/will-this-house-pass-a-fha-appraisal/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 23:46:45 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Appraisals]]></category>
		<category><![CDATA[FHA]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=282</guid>
		<description><![CDATA[If you plan on purchasing a home with a FHA backed mortgage you might be wondering (like I always am) whether or not a particular house will pass a FHA appraisal. FHA loans are insured by the Federal Housing Administration and FHA approved appraisers must follow certain guidelines when appraising a property. If a home is a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=282&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://yourhomeyouragent.wordpress.com/2009/10/21/will-this-house-pass-a-fha-appraisal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>$8000 Tax Credit Explained</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/08/10/8000-tax-credit-explained/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/08/10/8000-tax-credit-explained/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 17:21:25 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=266</guid>
		<description><![CDATA[I&#8217;ve wrote about the tax credit before although I have found sometimes watching a video is more helpful. This video interview of Rob Dietz, director of tax issues for the National Association of Home Builders, explains the Federal Housing Tax Credit for First-Time Home Buyers. For FAQ about the credit click here. Anyone out there got their credit yet?  Interested to hear [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=266&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://yourhomeyouragent.wordpress.com/2009/08/10/8000-tax-credit-explained/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>Negotiating the Short Sale</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/07/31/negotiating-the-short-sale/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/07/31/negotiating-the-short-sale/#comments</comments>
		<pubDate>Fri, 31 Jul 2009 21:58:39 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Foreclosures, Short Sales, Bank Owned]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[selling a house]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=239</guid>
		<description><![CDATA[If your a homeowner facing a financial hardship and need to sell your home before the bank decides to foreclose, you may want to consider hiring a professional short sale negotiator.  These service providers (attorneys, escrow companies and even real estate agents) will negotiate on your behalf with the Lender, working towards selling your home [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=239&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://yourhomeyouragent.wordpress.com/2009/07/31/negotiating-the-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>Multiple Offer Activity Increase</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/07/06/multiple-offer-activity-increase/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/07/06/multiple-offer-activity-increase/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 18:18:35 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[multiple offers]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=235</guid>
		<description><![CDATA[Ive written 3 offers for 3 different buyers in the last couple months, all were in a multiple offer situation. If you don&#8217;t think properties are selling or whether we have hit the bottom, think again.  I don&#8217;t need &#8220;experts&#8221; to tell me the markets improving, I see it.  I see it in those multiple offer [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=235&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://yourhomeyouragent.wordpress.com/2009/07/06/multiple-offer-activity-increase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>8000 reasons to buy a home now</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/06/25/8000-reasons-to-buy-a-home-now/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/06/25/8000-reasons-to-buy-a-home-now/#comments</comments>
		<pubDate>Thu, 25 Jun 2009 17:23:53 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[home buyer tax credit]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=232</guid>
		<description><![CDATA[It can take a buyer anywhere from 3-6 months to find a home and move in. With only 5 months to go for a first-time home buyer to take advantage of the $8000 tax credit, now is the time to make a move. Click here to learn more on how the credit works and who [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=232&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://yourhomeyouragent.wordpress.com/2009/06/25/8000-reasons-to-buy-a-home-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Your Home .. Your Agent!</media:title>
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		<title>Not a Short Sale &#8230; Not a Bank Owned</title>
		<link>http://yourhomeyouragent.wordpress.com/2009/06/19/not-a-short-sale-not-a-bank-owned/</link>
		<comments>http://yourhomeyouragent.wordpress.com/2009/06/19/not-a-short-sale-not-a-bank-owned/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 16:43:04 +0000</pubDate>
		<dc:creator>Tonya Locken</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://yourhomeyouragent.wordpress.com/?p=229</guid>
		<description><![CDATA[Are these the new buzz words to create interest in a property? If they are, its working.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=yourhomeyouragent.wordpress.com&amp;blog=1908800&amp;post=229&amp;subd=yourhomeyouragent&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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