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	<title>The Skinny on Denver Real Estate &#187; first time home buyers</title>
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	<link>http://theskinnyonrealestate.com</link>
	<description>How to get a home in the Denver, CO area</description>
	<lastBuildDate>Sun, 20 May 2012 20:23:04 +0000</lastBuildDate>
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		<title>How to become a 1st time home buyer in Broomfield &#8211; a free ebook</title>
		<link>http://theskinnyonrealestate.com/2011/03/27/how-to-become-a-1st-time-home-buyer-in-broomfield-a-free-ebook/</link>
		<comments>http://theskinnyonrealestate.com/2011/03/27/how-to-become-a-1st-time-home-buyer-in-broomfield-a-free-ebook/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 00:27:17 +0000</pubDate>
		<dc:creator>Beth I. Skinner</dc:creator>
				<category><![CDATA[FHA/VA/CHFA]]></category>
		<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=5613</guid>
		<description><![CDATA[I have just finished my FREE e-book &#8220;How to Become a 1st Time Home Buyer in Broomfield&#8221; which you can download as a PDF file right here. Read it on your laptop or send it to your Kindle! In this book you will learn: * new ways to get a mortgage such as loans from [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mortgage Tip &#8211; US Bank&#8217;s American Dream Program &#8211; Colorado Real Estate</title>
		<link>http://theskinnyonrealestate.com/2011/02/10/mortgage-tip-4-colorado-real-estate/</link>
		<comments>http://theskinnyonrealestate.com/2011/02/10/mortgage-tip-4-colorado-real-estate/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 16:42:14 +0000</pubDate>
		<dc:creator>Beth I. Skinner</dc:creator>
				<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[adams county real estate]]></category>
		<category><![CDATA[american dream loan us bank]]></category>
		<category><![CDATA[colorado real estate]]></category>
		<category><![CDATA[denver real estate]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyer assistance]]></category>
		<category><![CDATA[first time home buyer grants]]></category>
		<category><![CDATA[first time home buyer loan]]></category>
		<category><![CDATA[first time home buyer loans]]></category>
		<category><![CDATA[first time home buyer program]]></category>
		<category><![CDATA[first time home buyer programs]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=3773</guid>
		<description><![CDATA[Today I would like to highlight the American Dream Program which is only available from US Bank. If you are interested in this mortgage loan program you can call me (303.887.1883) with questions or reach out directly to Michael Pennetta of US Bank 303.404.6175. The American Dream Program If you are looking to buy a [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>First time home buyers and FHA driving housing market</title>
		<link>http://theskinnyonrealestate.com/2010/10/04/first-time-home-buyers-and-fha-driving-housing-market/</link>
		<comments>http://theskinnyonrealestate.com/2010/10/04/first-time-home-buyers-and-fha-driving-housing-market/#comments</comments>
		<pubDate>Mon, 04 Oct 2010 18:26:35 +0000</pubDate>
		<dc:creator>Beth I. Skinner</dc:creator>
				<category><![CDATA[FHA/VA/CHFA]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[fha loan]]></category>
		<category><![CDATA[fha mortgage]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[low cost homes]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=2654</guid>
		<description><![CDATA[First time home buyers 41% of market According to the National Association of Home Builders (NAHB), first time home buyers are out in large numbers and looking not only to buy a home but a smaller and less expensive home on average. Between 2007-2009, 41% of home buyers were first time home buyers. The average [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>First time home buyer tip #22</title>
		<link>http://theskinnyonrealestate.com/2009/12/28/first-time-home-buyer-tip-22/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/28/first-time-home-buyer-tip-22/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 00:29:35 +0000</pubDate>
		<dc:creator>Beth I. Skinner</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1541</guid>
		<description><![CDATA[If you&#8217;re confused about the rules of lending and your home&#8217;s appraisal you&#8217;re not alone. Especially in this market! I have watched experienced home buyers and sellers get completely confused as well, so here&#8217;s the deal: let&#8217;s say you&#8217;ve made an offer on a house, the sellers have accepted your offer, your loan has been [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>First time home buyer tip #21</title>
		<link>http://theskinnyonrealestate.com/2009/12/13/first-time-home-buyer-tip-21/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/13/first-time-home-buyer-tip-21/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 20:12:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1519</guid>
		<description><![CDATA[Yes you should do a final walkthrough right before your closing. Even on a new house. It&#8217;s important that you double check everything that is supposed to be there is still there and the house is still in working order. It has nothing to do with whether or not you &#8220;trust&#8221; the seller &#8211; keep [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time home buyer tip #20</title>
		<link>http://theskinnyonrealestate.com/2009/12/12/first-time-home-buyer-tip-20/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/12/first-time-home-buyer-tip-20/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 13:52:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1491</guid>
		<description><![CDATA[ALWAYS, ALWAYS, ALWAYS get a professional inspection done on a house on which you have made an offer to buy AND make sure the completion of the sale is contingent upon a reasonable outcome of any inspection. (Meaning that if the house has way more problems then you realized or perhaps one very serious problem [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>First time home buyer tip #19</title>
		<link>http://theskinnyonrealestate.com/2009/12/11/first-time-home-buyer-tip-19/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/11/first-time-home-buyer-tip-19/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 21:22:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1488</guid>
		<description><![CDATA[If you decide to buy a home this year it might be a very good idea to hire an accountant to do your taxes, especially if you are confused as to exactly what and how much you can write off. The IRS (shockingly!) has a wide variety of rules and regs regarding how to handle [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time home buyer tip #18</title>
		<link>http://theskinnyonrealestate.com/2009/12/09/first-time-home-buyer-tip-18/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/09/first-time-home-buyer-tip-18/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 18:44:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1482</guid>
		<description><![CDATA[Demand excellence from your real estate professionals. Whether it&#8217;s your Realtor or your mortgage broker or lender. Remember they are working for YOU. You want someone who isn&#8217;t bothered if you have a zillion questions, and who promptly returns your phone calls and emails. If you do have questions, don&#8217;t hesitate to ask them, it&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time home buyer tip #17</title>
		<link>http://theskinnyonrealestate.com/2009/12/04/first-time-home-buyer-tip-17/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/04/first-time-home-buyer-tip-17/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 17:30:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1443</guid>
		<description><![CDATA[According to this article, the very best day of the year to buy a house is Christmas Day. I imagine this is true although as the author points out you&#8217;ll need someone who will agree to let you view the house on Christmas (although maybe you actually viewed the house on the 23rd or 24th [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time home buyer tip #16</title>
		<link>http://theskinnyonrealestate.com/2009/12/03/first-time-home-buyer-tip-16/</link>
		<comments>http://theskinnyonrealestate.com/2009/12/03/first-time-home-buyer-tip-16/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 15:23:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

		<guid isPermaLink="false">http://theskinnyonrealestate.com/?p=1431</guid>
		<description><![CDATA[Did you know that Colorado ranks as the 10th highest state for closing costs? Ouch. But, did you know that you can negotiate some of these charges? Your lender or mortgage broker is required by law to provide a &#8220;Good Faith Estimate&#8221; of your closing costs within at least 3 days of accepting the loan [...]]]></description>
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		<slash:comments>0</slash:comments>
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