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	<title>Twin Cities Homes and Loans &#187; Buyer&#8217;s Agent</title>
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	<description>A blog about Twin Cities, Real Estate, Mortgages and Life</description>
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		<title>Twin Cities Foreclosed Homes On Market  Will Increase</title>
		<link>http://www.twincitieshomesandloans.com/twin-cities-foreclosed-homes-on-market-will-increse/</link>
		<comments>http://www.twincitieshomesandloans.com/twin-cities-foreclosed-homes-on-market-will-increse/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 17:11:39 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buy a Home]]></category>
		<category><![CDATA[Buy a Home No Money Down]]></category>
		<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[Foreclosed Homes]]></category>
		<category><![CDATA[Buyer Credit]]></category>
		<category><![CDATA[City Of Plymouth]]></category>
		<category><![CDATA[Cold Weather]]></category>
		<category><![CDATA[Down Payment Asssistance Programs]]></category>
		<category><![CDATA[First Time Home]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First time home buyer credit]]></category>
		<category><![CDATA[Great Time]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Payment Assistance Programs]]></category>
		<category><![CDATA[Time Home Buyer]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=147</guid>
		<description><![CDATA[There more foreclosed homes on the market now than ever.  The good news is that with the first time home buyer credit the nicer foreclosed homes are flying off the market.  Homes that are in need of repair or further from the Twin Cities seem to be hanging around a little longer.
I believe [...]]]></description>
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		<title>Buy a Home with $100 Down</title>
		<link>http://www.twincitieshomesandloans.com/buy-a-home-with-100-down/</link>
		<comments>http://www.twincitieshomesandloans.com/buy-a-home-with-100-down/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 18:56:07 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buy a Home]]></category>
		<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[$100 down payment]]></category>
		<category><![CDATA[Buy Homes]]></category>
		<category><![CDATA[Classified]]></category>
		<category><![CDATA[Conventional Mortgages]]></category>
		<category><![CDATA[Dept Of Housing]]></category>
		<category><![CDATA[down payment money]]></category>
		<category><![CDATA[Fffffff]]></category>
		<category><![CDATA[FHA financing]]></category>
		<category><![CDATA[Fha Hud]]></category>
		<category><![CDATA[Fha Mortgage]]></category>
		<category><![CDATA[First Time Home]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Glut]]></category>
		<category><![CDATA[Harder Time]]></category>
		<category><![CDATA[Housing And Urban Development]]></category>
		<category><![CDATA[Hud Homes]]></category>
		<category><![CDATA[Owner Occupant Purchasers]]></category>
		<category><![CDATA[Payment Money]]></category>
		<category><![CDATA[Time Home Buyers]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=142</guid>
		<description><![CDATA[One of the most affordable ways to purchase a home right now is to purchase a HUD home.  You can do this by only putting $100 down on the purchase if you qualify for a FHA mortgage.
HUD stands for Dept. of Housing and Urban Development.  HUD homes are homes that have been foreclosed [...]]]></description>
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		<title>Two Great Reasons To Buy A Home In The Twin Cities Now</title>
		<link>http://www.twincitieshomesandloans.com/2-great-reasons-to-buy-a-home-now/</link>
		<comments>http://www.twincitieshomesandloans.com/2-great-reasons-to-buy-a-home-now/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 17:41:27 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buy a Home]]></category>
		<category><![CDATA[Buy a Home No Money Down]]></category>
		<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[First Time Home]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Loan Officer]]></category>
		<category><![CDATA[Time Home Buyer]]></category>
		<category><![CDATA[Time Rates]]></category>
		<category><![CDATA[Twin Cities]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=126</guid>
		<description><![CDATA[There are 2 great reasons to buy a home now.  The first one is, the first time home buyer tax credit is going to expire November 30th.  and the second one, Interest rates are low.
The home buyer tax credit is going to expire on November 30th of this year.  If you are [...]]]></description>
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		<title>You Can Still Buy a Home With Little or No Money down.</title>
		<link>http://www.twincitieshomesandloans.com/you-can-still-buy-a-home-with-little-or-no-money-down/</link>
		<comments>http://www.twincitieshomesandloans.com/you-can-still-buy-a-home-with-little-or-no-money-down/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 13:53:29 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buy a Home]]></category>
		<category><![CDATA[Buy a Home No Money Down]]></category>
		<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[0 Interest Loans]]></category>
		<category><![CDATA[Assistance Fund]]></category>
		<category><![CDATA[Brooklyn Center]]></category>
		<category><![CDATA[Closing Cost]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Downpayment Assistance]]></category>
		<category><![CDATA[Free Money]]></category>
		<category><![CDATA[Government Grants]]></category>
		<category><![CDATA[Government Home Loans]]></category>
		<category><![CDATA[Government Program]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Low Interest Rates]]></category>
		<category><![CDATA[Metro Area]]></category>
		<category><![CDATA[Mhfa]]></category>
		<category><![CDATA[Minneapolis St Paul]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Payment Assistance]]></category>
		<category><![CDATA[Personal Residence]]></category>
		<category><![CDATA[Ramsey County]]></category>
		<category><![CDATA[Repa]]></category>
		<category><![CDATA[Rick Davis]]></category>
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		<category><![CDATA[Usda Loans]]></category>
		<category><![CDATA[Woodbury]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=112</guid>
		<description><![CDATA[
In and around the Twin Cites you can still buy a Home with little or No money down.  Many communities offer free money to be used as down payment assistance.  There are government home loans available with no down payment. Plus the State of Minnesota as a government program where they will give [...]]]></description>
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		<item>
		<title>Affordable Duplexes Can Generate Cash Flow</title>
		<link>http://www.twincitieshomesandloans.com/affordable-duplexes-can-generate-cash-flow/</link>
		<comments>http://www.twincitieshomesandloans.com/affordable-duplexes-can-generate-cash-flow/#comments</comments>
		<pubDate>Tue, 18 Aug 2009 21:07:13 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[Duplexes]]></category>
		<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[Listings]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[Duplex]]></category>
		<category><![CDATA[Histry]]></category>
		<category><![CDATA[Income Right]]></category>
		<category><![CDATA[Investment Properties]]></category>
		<category><![CDATA[Last Sunday]]></category>
		<category><![CDATA[Net Income]]></category>
		<category><![CDATA[Rents]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=81</guid>
		<description><![CDATA[ast Sunday I took a client out to look at some duplexes he intends to live in, I was totally amazed to find quite a few nice ones priced less than $100,000.  At that price, these properties will generate quite a bit of cash flow every month.  If you live on one half [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Ways I Help My Buyer in Making the Right Home Purchase Decision</title>
		<link>http://www.twincitieshomesandloans.com/7-ways-i-help-my-buyer-in-making-the-right-home-purchase-decision/</link>
		<comments>http://www.twincitieshomesandloans.com/7-ways-i-help-my-buyer-in-making-the-right-home-purchase-decision/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 01:09:55 +0000</pubDate>
		<dc:creator>Rick Davis</dc:creator>
				<category><![CDATA[Buyer's Agent]]></category>
		<category><![CDATA[Acreage]]></category>
		<category><![CDATA[Baths]]></category>
		<category><![CDATA[Bedrooms]]></category>
		<category><![CDATA[City Suburbs]]></category>
		<category><![CDATA[Consultation]]></category>
		<category><![CDATA[Decision 1]]></category>
		<category><![CDATA[Decision Makers]]></category>
		<category><![CDATA[Loan Officer]]></category>
		<category><![CDATA[Match]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Neighborhood]]></category>
		<category><![CDATA[Purchase Decision]]></category>
		<category><![CDATA[Right Choice]]></category>
		<category><![CDATA[Success]]></category>
		<category><![CDATA[Timeline]]></category>

		<guid isPermaLink="false">http://www.twincitieshomesandloans.com/?p=56</guid>
		<description><![CDATA[
1. Before going out with my buyer to look at their first home, I have  consultation meeting with them to determine if I&#8217;m the right person to help with their transaction and if they are a client I can actually help.
2.  The first  thing, is why they are looking to buy.  Do they want a [...]]]></description>
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