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	<title>First Home Buying</title>
	<link>http://www.first-home-buying.com</link>
	<description>A Guidebook For First Time Buyers</description>
	<lastBuildDate>Mon, 06 Jul 2009 12:33:44 +0000</lastBuildDate>
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	<item>
		<title>Private Mortgage Insurance</title>
		<description>Generally known as PMI, private mortgage insurance takes effect whenever you have a mortgage loan in which you owe more than a certain percentage of the home's total value. This threshold is normally set at 80%, so if your down payment is less than 20% you'll most likely have to ...</description>
		<link>http://www.first-home-buying.com/private-mortgage-insurance/</link>
			</item>
	<item>
		<title>Mortgage Loans Over Time</title>
		<description>I've got news for you: the price tag on that house of yours isn't really what you're paying for it.

It's important that you understand the implications of every aspect of your mortgage. You need to see how the length of its term affects you, and you may not be cognizant ...</description>
		<link>http://www.first-home-buying.com/mortgage-loans-over-time/</link>
			</item>
	<item>
		<title>First Time Home Buyer Financing</title>
		<description>Coming up with money for a down payment for your first time home buyer financing can be difficult if you haven't had much time to save or are unable to rearrange your finances to begin doing so. Luckily for you, dear consumer, there is a non-profit sector in our country ...</description>
		<link>http://www.first-home-buying.com/first-time-home-buyer-financing/</link>
			</item>
	<item>
		<title>FHA Loans and Programs</title>
		<description>Mortgages granted under the guidelines of the Federal Housing Administration are intended to give potential homeowners another incentive to buy. I'll say it again: Uncle Sam wants you to own your very own place. FHA loans give lenders the ability to provide borrowers with lower rates and better loan terms. ...</description>
		<link>http://www.first-home-buying.com/fha-loans-and-programs/</link>
			</item>
	<item>
		<title>Fixed vs. Adjustable-Rate Mortgages</title>
		<description>There are so many different kinds of loans out there it seems like some egghead in the finance field must make up a new one every week. I own a house that was built in the mid-1960's. Back in the good old days (ie., in 1961), that house would have ...</description>
		<link>http://www.first-home-buying.com/fixed-vs-adjustable-rate-mortgages/</link>
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