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        <title>Charleston SC Real Estate Blog</title>
        <link>http://www.buyingcharlestonrealestate.com/blog/mortgage-and-lending/</link>
        <description>Charleston, SC Real Estate Blog. Consumer real estate information for Charleston, SC with local and national news topics.</description>
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            <guid>http://www.buyingcharlestonrealestate.com/blog/when-is-the-real-estate-bottom-going-to-arrive-in-charleston-sc.html</guid>
            <link>http://www.buyingcharlestonrealestate.com/blog/when-is-the-real-estate-bottom-going-to-arrive-in-charleston-sc.html</link>
            <author>mike@buyingcharlestonrealestate.com (Mike Ciucci)</author>
            <title>When is the Real Estate Bottom Going to Arrive in Charleston SC?</title>
            <description> <![CDATA[ I get a lot of real estate questions during work, at dinner parties, at kid&rsquo;s birthday parties, from friends, from family- about the current real estate market here in Charleston.&nbsp; The number 1 question that I&rsquo;ve been getting lately is:

When are we going to see the bottom?

Well, if I had a dollar for every time I&rsquo;ve heard that question.&nbsp; The short answer is: I don&rsquo;t know, but it could be now, depending on other factors, or your current situation.&nbsp; I w... ]]> </description>
            <pubDate>Fri, 17 Jun 2011 11:31:47 -0500</pubDate>
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            <link>http://www.buyingcharlestonrealestate.com/blog/what-is-this-news-about-a-new-real-estate-sales-tax.html</link>
            <author>mike@buyingcharlestonrealestate.com (Mike Ciucci)</author>
            <title>What is This News About a New Real Estate 'Sales Tax'?</title>
            <description> <![CDATA[ Many of you may have seen recent emails talking about a Sales Tax on real estate sales.&nbsp; Below is the article from the National Association of Realtors website which is a great resource for current information that provides an accurate summary of the new provisions.No 4.0% &ldquo;Sales Tax&rdquo; on Home Sales in Recently Enacted Health Reform BillContrary to reports and newspaper articles circulating widely on the Internet, there is not a 4.0% &quot;sales tax&quot; or &quot;transfer tax&amp;qu... ]]> </description>
            <pubDate>Wed, 15 Sep 2010 07:38:57 -0500</pubDate>
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            <guid>http://www.buyingcharlestonrealestate.com/blog/new-changes-in-fha-financing-coming-soongood-or-bad.html</guid>
            <link>http://www.buyingcharlestonrealestate.com/blog/new-changes-in-fha-financing-coming-soongood-or-bad.html</link>
            <author>mike@buyingcharlestonrealestate.com (Mike Ciucci)</author>
            <title>New Changes in FHA Financing Coming Soon...Good or Bad?</title>
            <description> <![CDATA[ Well, it looks like there are going to be some changes in FHA financing coming down the pipe.&nbsp; Take a look at this short video, and see how it will affect you and your final loan payment.&nbsp; These changes will go into effect on September 7th, 2010.**Not mentioned in this video is the fact that allowable seller concessions used to top out at 6%, where they are now going to top out at 3%.Video courtesy RealPro Innovations.... ]]> </description>
            <pubDate>Thu, 19 Aug 2010 15:00:31 -0500</pubDate>
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            <guid>http://www.buyingcharlestonrealestate.com/blog/what-makes-up-a-fico-credit-score.html</guid>
            <link>http://www.buyingcharlestonrealestate.com/blog/what-makes-up-a-fico-credit-score.html</link>
            <author>mike@buyingcharlestonrealestate.com (Mike Ciucci)</author>
            <title>What makes up a FICO credit score?</title>
            <description> <![CDATA[ In the land of all credit scores, FICO is king.&nbsp; The majority of banks in the USA use FICO scores for whether or not they are going to lend you money, and at what interest rate.So how does FICO come up with this score?&nbsp; I'll break it down for you, below:&nbsp;1.) Payment History.&nbsp; Based on you payment history, making the repayment of past debt is the most important factor when calculating credit scores.2.) Debt Amounts.&nbsp; This is based upon your total outstanding debt.&nbsp; R... ]]> </description>
            <pubDate>Wed, 21 Apr 2010 10:28:56 -0500</pubDate>
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