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	<title>Michael Saunders Real Estate Blog &#187; first time buyer</title>
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	<link>http://www.thesaundersblog.com</link>
	<description>Thoughts and Opinions about the Greater Sarasota, FL Real Estate Market</description>
	<lastBuildDate>Thu, 17 May 2012 19:48:13 +0000</lastBuildDate>
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		<title>The Neighborhood Report – Summerfield in Lakewood Ranch</title>
		<link>http://www.thesaundersblog.com/the-neighborhood-report-%e2%80%93-summerfield-in-lakewood-ranch/</link>
		<comments>http://www.thesaundersblog.com/the-neighborhood-report-%e2%80%93-summerfield-in-lakewood-ranch/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 14:53:05 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Lakewood Ranch]]></category>
		<category><![CDATA[Manatee]]></category>
		<category><![CDATA[Neighborhood Reports]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[lakewood ranch]]></category>
		<category><![CDATA[pending sales]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[Summerfield]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=5144</guid>
		<description><![CDATA[One of the original villages in Lakewood Ranch, Summerfield is located just south of State Road 70 off Lakewood Ranch Blvd.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do it Right &#8211; Top 10 Home Buying Mistakes</title>
		<link>http://www.thesaundersblog.com/do-it-right-top-10-home-buying-mistakes/</link>
		<comments>http://www.thesaundersblog.com/do-it-right-top-10-home-buying-mistakes/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 16:18:47 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[inventory]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=3349</guid>
		<description><![CDATA[With any significant purchase, it is always important to have everything in order to ensure a smooth, stress-free transaction. From planning to payment, the smallest discretion can lead to a nightmare of results and regret.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top 10 Tips for New Homebuyers</title>
		<link>http://www.thesaundersblog.com/top-10-tips-for-new-homebuyers/</link>
		<comments>http://www.thesaundersblog.com/top-10-tips-for-new-homebuyers/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 19:44:50 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[neighborhoods]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[title]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2809</guid>
		<description><![CDATA[Before you sign those closing papers, there are many things to consider. To help you along, here are the top 10 tips for new homebuyers who plan to get the most from their first home:]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Top 10 things you should know about the homebuyer’s tax credit before it runs out</title>
		<link>http://www.thesaundersblog.com/top-10-things-you-should-know-about-the-homebuyer%e2%80%99s-tax-credit-before-it-runs-out/</link>
		<comments>http://www.thesaundersblog.com/top-10-things-you-should-know-about-the-homebuyer%e2%80%99s-tax-credit-before-it-runs-out/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 19:22:38 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[April 15]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2787</guid>
		<description><![CDATA[With April 15 quickly approaching, many of us find ourselves scrambling for the necessary information to ensure Uncle Sam gets his share—and our refunds are maximized.]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/top-10-things-you-should-know-about-the-homebuyer%e2%80%99s-tax-credit-before-it-runs-out/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Looking Ahead – Top 10 Real Estate New Year’s Resolutions</title>
		<link>http://www.thesaundersblog.com/looking-ahead-%e2%80%93-top-10-real-estate-new-year%e2%80%99s-resolutions/</link>
		<comments>http://www.thesaundersblog.com/looking-ahead-%e2%80%93-top-10-real-estate-new-year%e2%80%99s-resolutions/#comments</comments>
		<pubDate>Thu, 07 Jan 2010 19:19:06 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Top 10 Lists]]></category>
		<category><![CDATA[2010]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[real estate resolutions]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[Top 10]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2489</guid>
		<description><![CDATA[Exciting things are happening in the market, and the next few months will bring an unprecedented number of opportunities and possibilities for the heads-up buyer or seller.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Ask Ann &#8211; The Government&#8217;s Impact In The Mortgage Industry Over The Past Six Months</title>
		<link>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 20:50:09 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Home Value Code of Conduct]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2471</guid>
		<description><![CDATA[Ann Stickel, Vice President of The Michael Saunders Division of Affiliated Services, discusses the changes in the mortgage industry over the past six months. ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask Ann &#8211; What Has Changed in Obtaining A Mortgage in Today&#8217;s Market?</title>
		<link>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 21:05:58 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Michael Saunders]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[todays market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2410</guid>
		<description><![CDATA[In the following video, Ann Stickel discusses what new steps in obtaining a mortgage in today's market that have emerged in the last few years.]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask Michael &#8211; What Are Some Alternative Ways To Buying And Selling A Home?</title>
		<link>http://www.thesaundersblog.com/ask-michael-what-are-some-alternative-ways-to-buying-and-selling-a-home/</link>
		<comments>http://www.thesaundersblog.com/ask-michael-what-are-some-alternative-ways-to-buying-and-selling-a-home/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 21:01:26 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Florida Living]]></category>
		<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[The Real Estate Market]]></category>
		<category><![CDATA[Ask Michael]]></category>
		<category><![CDATA[Ask Michael Videos]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[Buying and selling real estate]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Michael Saunders]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[michaelsaunders.com]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[sellers]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2367</guid>
		<description><![CDATA[In the following video, Michael Saunders discusses the property-buying and selling alternatives that have emerged and become more prevalent within the last few years.]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/ask-michael-what-are-some-alternative-ways-to-buying-and-selling-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Primary Choice</title>
		<link>http://www.thesaundersblog.com/primary-choice/</link>
		<comments>http://www.thesaundersblog.com/primary-choice/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 13:55:18 +0000</pubDate>
		<dc:creator>Michael Saunders</dc:creator>
				<category><![CDATA[Sarasota Herald Tribune Op-Ed]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Southwest Florida]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2125</guid>
		<description><![CDATA[Homebuyers probably don’t see themselves this way, but as they step up to take advantage of the best housing values in more than a decade each becomes their own personal economic stimulus package, securing for themselves a fabulous long term investment even as they help rescue the economy from the mess it’s in.  More likely, they see themselves as grand prize winners in the housing sweepstakes; smartly timing the market just as prices are bottoming, interest rates are at an all-time low and the first time homebuyer tax credit is on hand to add an extra dollop of icing to the cake.  ]]></description>
		<wfw:commentRss>http://www.thesaundersblog.com/primary-choice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask Michael &#8211; Buyers Finding The Best Priced Real Estate</title>
		<link>http://www.thesaundersblog.com/ask-michael-buyers-finding-the-best-priced-real-estate/</link>
		<comments>http://www.thesaundersblog.com/ask-michael-buyers-finding-the-best-priced-real-estate/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 21:23:31 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Michael Saunders and Company]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1851</guid>
		<description><![CDATA[Michael answers a commonly asked question on how buyers find the best  priced real estate in the market. Here, she discusses price ranges, neighborhoods, and the popular Michael Saunders &#038; Company Best Opportunities program.]]></description>
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		<slash:comments>0</slash:comments>
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