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	<title>tcurranmortgage: Trevor Curran: Mortgages, Real Estate and First Time Buyers &#187; First Time Homebuyers</title>
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	<link>http://www.tcurranmortgage.com</link>
	<description>Thoughts and information on mortgages, home buying and real estate</description>
	<lastBuildDate>Tue, 22 Nov 2011 17:58:39 +0000</lastBuildDate>
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		<title>FHA: Me and my Pal, Phil Faranda, are True Believers</title>
		<link>http://www.tcurranmortgage.com/2011/11/17/fha-me-and-my-pal-phil-faranda-are-true-believers/</link>
		<comments>http://www.tcurranmortgage.com/2011/11/17/fha-me-and-my-pal-phil-faranda-are-true-believers/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 13:30:41 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=447</guid>
		<description><![CDATA[I'm a true believer, always have been, always will be, in FHA Loans.]]></description>
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		<title>Your Credit Score is Less than 620 And You Want To Buy A Home</title>
		<link>http://www.tcurranmortgage.com/2011/09/28/your-credit-score-is-less-than-620-and-you-want-to-buy-a-home/</link>
		<comments>http://www.tcurranmortgage.com/2011/09/28/your-credit-score-is-less-than-620-and-you-want-to-buy-a-home/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:08:19 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=434</guid>
		<description><![CDATA[The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Speak to your Tax Professional NOW</title>
		<link>http://www.tcurranmortgage.com/2011/09/20/speak-to-your-tax-professional-now/</link>
		<comments>http://www.tcurranmortgage.com/2011/09/20/speak-to-your-tax-professional-now/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 14:06:27 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Tax Benefits of Homeownership]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=430</guid>
		<description><![CDATA[Speaking to your tax professional twice more after filing your income taxes helps you manage your money more efficiently.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>HOW TO BUY A HOME: NEGOTIATE!!!</title>
		<link>http://www.tcurranmortgage.com/2011/02/04/how-to-buy-a-home-negotiate/</link>
		<comments>http://www.tcurranmortgage.com/2011/02/04/how-to-buy-a-home-negotiate/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 15:58:20 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[How-To Negotiate]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=397</guid>
		<description><![CDATA[Homeowners who want to sell their homes NEED YOU, The First Time Homebuyer, now more than ever!]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>NO CREDIT?  Not a BAD Thing</title>
		<link>http://www.tcurranmortgage.com/2011/01/21/no-credit-not-a-bad-thing/</link>
		<comments>http://www.tcurranmortgage.com/2011/01/21/no-credit-not-a-bad-thing/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 15:36:16 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=393</guid>
		<description><![CDATA[In the absence of a credit score and established credit history on a credit report, alternative credit references are perfectly acceptable to help you obtain an FHA mortgage.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FIVE Steps To Making An Offer To Buy A Home</title>
		<link>http://www.tcurranmortgage.com/2010/04/09/five-steps-to-making-an-offer-to-buy-a-home/</link>
		<comments>http://www.tcurranmortgage.com/2010/04/09/five-steps-to-making-an-offer-to-buy-a-home/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 14:05:50 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[How-To Negotiate]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Making An Offer]]></category>
		<category><![CDATA[mortgage prequalification]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=382</guid>
		<description><![CDATA[When you take these formal steps you are demonstrating to everyone involved in the transaction just how serious a Buyer you are.  You will set yourself apart from “the crowd” when you follow my method.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How To Settle A Collection Account</title>
		<link>http://www.tcurranmortgage.com/2010/04/08/how-to-settle-a-collection-account/</link>
		<comments>http://www.tcurranmortgage.com/2010/04/08/how-to-settle-a-collection-account/#comments</comments>
		<pubDate>Thu, 08 Apr 2010 15:59:33 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>
		<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[collection account]]></category>
		<category><![CDATA[collection agency]]></category>
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		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=302</guid>
		<description><![CDATA[Collection accounts need to be settled (paid) in order to qualify for mortgage financing. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Close those Credit Cards: Your Score could DROP</title>
		<link>http://www.tcurranmortgage.com/2010/03/26/dont-close-those-credit-cards-your-score-could-drop/</link>
		<comments>http://www.tcurranmortgage.com/2010/03/26/dont-close-those-credit-cards-your-score-could-drop/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 14:59:58 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=375</guid>
		<description><![CDATA[I have seen folks with fantastic credit have their credit scores drop dramatically because in the months before they met me for the mortgage prequalification they paid off and closed their credit card accounts]]></description>
		<wfw:commentRss>http://www.tcurranmortgage.com/2010/03/26/dont-close-those-credit-cards-your-score-could-drop/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The MYTH of Credit Inquiries</title>
		<link>http://www.tcurranmortgage.com/2010/01/21/the-myth-of-credit-inquiries/</link>
		<comments>http://www.tcurranmortgage.com/2010/01/21/the-myth-of-credit-inquiries/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 17:48:13 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=361</guid>
		<description><![CDATA[Multiple mortgage inquiries do not affect a credit score.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Boston Triple-Deckers: A Suggestion</title>
		<link>http://www.tcurranmortgage.com/2009/06/20/boston-triple-deckers-a-suggestion/</link>
		<comments>http://www.tcurranmortgage.com/2009/06/20/boston-triple-deckers-a-suggestion/#comments</comments>
		<pubDate>Sat, 20 Jun 2009 12:11:26 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha 203k loan]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[FHA mortgage]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=343</guid>
		<description><![CDATA[Buy your first home---a New England triple-decker---and use the FHA 203k Rehabilitation Loan to do so.  Your purchase money and repair money can be had in a single, convenient, 30year Fixed Rate Loan.]]></description>
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		<slash:comments>1</slash:comments>
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