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	<title>Focus On Frederick.com &#187; Buyer</title>
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	<description>Musings and information about Real Estate in the Frederick County Area</description>
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		<title>They &#8220;Duped&#8221; em.  Down Payment Assistant Programs feeling slighted</title>
		<link>http://focusonfrederick.com/2008/08/21/they-duped-em-down-payment-assistant-programs-feeling-slighted/</link>
		<comments>http://focusonfrederick.com/2008/08/21/they-duped-em-down-payment-assistant-programs-feeling-slighted/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 14:41:18 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=485</guid>
		<description><![CDATA[I came across this video on a Loundon County Real Estate agents site.  I told you before about the Nehemiah and AmeriDream.   It has been in front of Congress for sometime now on the HR 6694 &#8211; FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008. The DAP will go away if this [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Down Payment Assistance &#8211; How do I get it?</title>
		<link>http://focusonfrederick.com/2008/04/02/down-payment-assistance-how-do-i-get-it/</link>
		<comments>http://focusonfrederick.com/2008/04/02/down-payment-assistance-how-do-i-get-it/#comments</comments>
		<pubDate>Wed, 02 Apr 2008 12:37:29 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Friday]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[nehimiah]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=405</guid>
		<description><![CDATA[I just listed a home in a troubled area for pricing&#8230;imagine that! All the condos around this one is heading to foreclosure and subject to third party approval, in other words, a short sale. The pre-foreclosure market is skyrocketing higher everyday. There are 163 homes listed in RealtyTrac as Pre-Foreclosure today, while there were only [...]]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Putting a Short Sale together &#8211; what&#8217;s with all the paperwork</title>
		<link>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/</link>
		<comments>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/#comments</comments>
		<pubDate>Wed, 12 Mar 2008 12:42:09 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[shortsale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/</guid>
		<description><![CDATA[photo credit: neoterra As I have mentioned in previous post about Short Sales, there are a few items that the seller will need to accumulate in order to submit a Short Sale Package to the bank. The topic about short sales have been on the tip of everyones tongues recently. In fact, most of the [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Ignore the Headlines &#8211; finally the media gets it</title>
		<link>http://focusonfrederick.com/2008/02/20/ignore-the-headlines-finally-the-media-gets-it/</link>
		<comments>http://focusonfrederick.com/2008/02/20/ignore-the-headlines-finally-the-media-gets-it/#comments</comments>
		<pubDate>Wed, 20 Feb 2008 18:47:40 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2008/02/20/ignore-the-headlines-finally-the-media-gets-it/</guid>
		<description><![CDATA[I came across an article recently that I would like to share with you. For so long the media has been pounding that the market is bad, horrible, stay away&#8230; Yes, things haven&#8217;t been as productive as they used to (for sellers). I have written many times about this market too. The media likes to [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>This is how we roll &#8211; helping sellers and keeping buyers informed</title>
		<link>http://focusonfrederick.com/2007/12/12/this-is-how-we-roll-helping-sellers-and-keeping-buyers-informed/</link>
		<comments>http://focusonfrederick.com/2007/12/12/this-is-how-we-roll-helping-sellers-and-keeping-buyers-informed/#comments</comments>
		<pubDate>Wed, 12 Dec 2007 17:14:38 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[sellers]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2007/12/12/this-is-how-we-roll-helping-sellers-and-keeping-buyers-informed/</guid>
		<description><![CDATA[In an incredibly tough market like this, you have to be on your toes. Use your time wisely and productively. As a real estate agent, one of the key things you need to know is the inventory in your area.  What are the average days on the market? What is the average list to sale [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2007/12/12/this-is-how-we-roll-helping-sellers-and-keeping-buyers-informed/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Who pays for a Buyers Agent?</title>
		<link>http://focusonfrederick.com/2007/11/28/who-pays-for-a-buyers-agent/</link>
		<comments>http://focusonfrederick.com/2007/11/28/who-pays-for-a-buyers-agent/#comments</comments>
		<pubDate>Wed, 28 Nov 2007 13:13:57 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Real Estate Topics]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2007/11/28/who-pays-for-a-buyers-agent/</guid>
		<description><![CDATA[That is a common question that I get from first time home buyers. There&#8217;s a lot of information you should know about your buyers agent. One of the concerns you can push to the side is the fact YOU DON&#8217;T PAY THEM. Yep, they work for free&#8230;well not really. But Bob, right there in the [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Housing Market in Frederick MD</title>
		<link>http://focusonfrederick.com/2007/09/17/housing-market-in-frederick-md/</link>
		<comments>http://focusonfrederick.com/2007/09/17/housing-market-in-frederick-md/#comments</comments>
		<pubDate>Tue, 18 Sep 2007 00:53:09 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[frederick real estate]]></category>
		<category><![CDATA[Market Condition]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[Frederick]]></category>
		<category><![CDATA[Frederick MD]]></category>
		<category><![CDATA[frederick+real estate]]></category>
		<category><![CDATA[maryland]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=186</guid>
		<description><![CDATA[We are starting to close in on another year.  It&#8217;s hard to believe that 2007 is almost in the bag.  The Frederick Fair is here, the leaves are about to fall, and I mean fall, since it has been so dry.  Time sure flies when you&#8217;re having fun&#8230;.  The Frederick County housing inventory has climbed to 2338 [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2007/09/17/housing-market-in-frederick-md/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Open Houses for Labor Day Weekend</title>
		<link>http://focusonfrederick.com/2007/08/29/open-houses-for-labor-day-weekend/</link>
		<comments>http://focusonfrederick.com/2007/08/29/open-houses-for-labor-day-weekend/#comments</comments>
		<pubDate>Wed, 29 Aug 2007 21:31:46 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[maryland]]></category>
		<category><![CDATA[open House]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=157</guid>
		<description><![CDATA[I had some issues with the links in the last Open House.  So I will try something new.   Since it is a Holiday weekend the number of Open houses are low.  Have a great holiday.  Here is a link to all the open houses scheduled in Frederick County for this weekend to include Condos, Single [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2007/08/29/open-houses-for-labor-day-weekend/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Open Houses in Frederick MD 8/25 &#8211; 8/26</title>
		<link>http://focusonfrederick.com/2007/08/25/open-houses-in-frederick-md-825-826/</link>
		<comments>http://focusonfrederick.com/2007/08/25/open-houses-in-frederick-md-825-826/#comments</comments>
		<pubDate>Sat, 25 Aug 2007 14:11:07 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[frederick real estate]]></category>
		<category><![CDATA[Middletown]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[Frederick MD]]></category>
		<category><![CDATA[frederick+real estate]]></category>
		<category><![CDATA[maryland]]></category>
		<category><![CDATA[Middletown MD]]></category>
		<category><![CDATA[open House]]></category>
		<category><![CDATA[Rental]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=154</guid>
		<description><![CDATA[Here is a link to all the open houses scheduled in Frederick County for this weekend to include Condos, Single Family and Townhouses.  They are sorted by least expensive to the most expensive scheduled open house. Frederick County Open Houses  &#60;— Click here]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2007/08/25/open-houses-in-frederick-md-825-826/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rentals in Frederick County Maryland</title>
		<link>http://focusonfrederick.com/2007/08/22/rentals-in-frederick-county-maryland/</link>
		<comments>http://focusonfrederick.com/2007/08/22/rentals-in-frederick-county-maryland/#comments</comments>
		<pubDate>Wed, 22 Aug 2007 14:11:43 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[frederick real estate]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[Frederick MD]]></category>
		<category><![CDATA[Rental]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=153</guid>
		<description><![CDATA[There has been a lot of focus on the sales in Frederick MD Real Estate.  Let&#8217;s take a look at the rental market.  Frederick County has been experiencing a good rental market in my opinion.  As the Real Estate Market has its problems, rentals tend to pick up.  Some sellers turn to the rental market [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2007/08/22/rentals-in-frederick-county-maryland/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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