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	<title>tcurranmortgage: Trevor Curran: Mortgages, Real Estate and First Time Buyers</title>
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	<description>Thoughts and information on mortgages, home buying and real estate</description>
	<lastBuildDate>Thu, 03 May 2012 13:57:26 +0000</lastBuildDate>
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		<title>Minimum Down Payments for Different Loan Programs</title>
		<link>http://www.tcurranmortgage.com/2012/05/03/minimum-down-payments-for-different-loan-programs/</link>
		<comments>http://www.tcurranmortgage.com/2012/05/03/minimum-down-payments-for-different-loan-programs/#comments</comments>
		<pubDate>Thu, 03 May 2012 13:57:26 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[Co-Op Loans]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=461</guid>
		<description><![CDATA[As of this writing, here are the minimum Down Payment requirements for mortgage lending here in the NY Metro Area for the basic loan programs.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Doing the RIGHT thing: Chapter 38</title>
		<link>http://www.tcurranmortgage.com/2012/02/29/doing-the-right-thing-chapter-38/</link>
		<comments>http://www.tcurranmortgage.com/2012/02/29/doing-the-right-thing-chapter-38/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 21:25:51 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=457</guid>
		<description><![CDATA[That’s the right way to do things. I’ve learned in my twenty-plus years in this industry that there are NO SHORTCUTS. There is the right way to do things and that is the ONLY way.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Appraisal came in SHORT.  WHAT NOW?</title>
		<link>http://www.tcurranmortgage.com/2011/11/22/appraisal-came-in-short-what-now/</link>
		<comments>http://www.tcurranmortgage.com/2011/11/22/appraisal-came-in-short-what-now/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:58:39 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=453</guid>
		<description><![CDATA[In the end, the motivations of all parties to make the deal happen and close the transaction rule the day.  Those motivations drive everyone to find a solution and get the deal closed.  Or not.]]></description>
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		<slash:comments>3</slash:comments>
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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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		<slash:comments>0</slash:comments>
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		<title>Veterans Day: 11-11-11</title>
		<link>http://www.tcurranmortgage.com/2011/11/11/veterans-day-11-11-11/</link>
		<comments>http://www.tcurranmortgage.com/2011/11/11/veterans-day-11-11-11/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 14:39:07 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=439</guid>
		<description><![CDATA[Take a moment to read the citations for these and other CMOH recipients, both living and dead. After you do, you'll realize the extent to which these brave Americans have gone to preserve our American way of life. ]]></description>
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		<slash:comments>0</slash:comments>
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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>
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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>The New &#8220;New&#8221; isn&#8217;t just OLD anymore</title>
		<link>http://www.tcurranmortgage.com/2011/09/01/the-new-new-isnt-just-old-anymore/</link>
		<comments>http://www.tcurranmortgage.com/2011/09/01/the-new-new-isnt-just-old-anymore/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 13:29:59 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=426</guid>
		<description><![CDATA[Here's what you should know as of this writing about the New "NEW" paradigm in OLD underwriting standards of "common sense."]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Buying a Home is WORK</title>
		<link>http://www.tcurranmortgage.com/2011/06/29/buying-a-home-is-work/</link>
		<comments>http://www.tcurranmortgage.com/2011/06/29/buying-a-home-is-work/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 14:16:52 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=415</guid>
		<description><![CDATA[Ruthmarie says, "...buying a home IS work. These are the basics that buyers need to do when picking a neighborhood where they will be living for years to come. I have also found that buyers who aren’t willing to do this – really aren’t buyers."]]></description>
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		<slash:comments>0</slash:comments>
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		<title>TRUTH for Sellers from my pal Phil Faranda</title>
		<link>http://www.tcurranmortgage.com/2011/06/23/truth-for-sellers-from-my-pal-phil-faranda/</link>
		<comments>http://www.tcurranmortgage.com/2011/06/23/truth-for-sellers-from-my-pal-phil-faranda/#comments</comments>
		<pubDate>Thu, 23 Jun 2011 15:14:05 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=411</guid>
		<description><![CDATA[Phil is expert modern marketing methods to sell homes. He's not only honest with clients and customers, he's honest with himself in his career as a real estate sales professional.]]></description>
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		<slash:comments>1</slash:comments>
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