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	<title>First-Time Home Buyer Blog</title>
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		<title>How to Get My Credit Score</title>
		<link>http://www.cornettcommunications.com/blog/get-my-credit-score-2010/</link>
		<comments>http://www.cornettcommunications.com/blog/get-my-credit-score-2010/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 00:16:43 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Credit Scores]]></category>

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		<description><![CDATA[Question: &#8220;I have been told I need to check my FICO score before applying for a home loan? Is this correct? If so, can you tell me how to get my credit score from the web? Thanks.&#8221; Technically, you don&#8217;t have to check your FICO credit score before submitting a mortgage application. There is no [...]]]></description>
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		<title>Which is better, FHA or Conventional Mortgage Loans?</title>
		<link>http://www.cornettcommunications.com/blog/which-is-better-fha-or-conventional-mortgage-loans/</link>
		<comments>http://www.cornettcommunications.com/blog/which-is-better-fha-or-conventional-mortgage-loans/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 20:15:44 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornettcommunications.com/blog/?p=330</guid>
		<description><![CDATA[Question: &#8220;I&#8217;ve been hearing a lot about FHA home loans lately, and how they offer certain advantages over conventional mortgage loans. What&#8217;s the difference between them? And which is better, FHA or a conventional mortgage loan?&#8221; I can&#8217;t answer the &#8220;better&#8221; part, because it&#8217;s a relative term. It also depends on the type of real [...]]]></description>
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		<title>How Does a Second Mortgage Work?</title>
		<link>http://www.cornettcommunications.com/blog/how-does-a-second-mortgage-work/</link>
		<comments>http://www.cornettcommunications.com/blog/how-does-a-second-mortgage-work/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 16:59:10 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.cornettcommunications.com/blog/?p=327</guid>
		<description><![CDATA[Question: &#8220;We have been told that we may want to consider a second mortgage loan when buying our home, in order to avoid extra insurance fees. How does a second mortgage work, and why do people use them?&#8221; If you were told this by a lender, I would ask them to explain it. I&#8217;m happy [...]]]></description>
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		<title>Reasons to Use a Real Estate Agent &#8211; In Their Own Words</title>
		<link>http://www.cornettcommunications.com/blog/reasons-to-use-a-real-estate-agent/</link>
		<comments>http://www.cornettcommunications.com/blog/reasons-to-use-a-real-estate-agent/#comments</comments>
		<pubDate>Wed, 08 Jul 2009 14:20:08 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Real Estate Agents]]></category>

		<guid isPermaLink="false">http://www.cornettcommunications.com/blog/?p=297</guid>
		<description><![CDATA[Do you really need to use a real estate agent when buying home? I&#8217;ve always recommended it. It&#8217;s even more important to use an agent if you&#8217;re buying your first home, buying in a new city that&#8217;s unfamiliar to you, or a combination of these things. What are the benefits of using a real estate [...]]]></description>
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		<title>Housing Market Forecast and Trends &#8211; Attention Home Buyers</title>
		<link>http://www.cornettcommunications.com/blog/housing-market-forecast-and-trends-attention-home-buyers/</link>
		<comments>http://www.cornettcommunications.com/blog/housing-market-forecast-and-trends-attention-home-buyers/#comments</comments>
		<pubDate>Sun, 21 Jun 2009 15:06:55 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Economy]]></category>

		<guid isPermaLink="false">http://www.cornettcommunications.com/blog/?p=284</guid>
		<description><![CDATA[Is now a good time to buy a house? This is one of the most common questions we receive from first-time home buyers. Typically, we refrain from giving specific advice on this subject, because it&#8217;s up to the individual to make such life-changing decisions. Generally speaking, however, the current housing market forecast shows a lot [...]]]></description>
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		<title>How are Mortgage Rates Determined by Lenders?</title>
		<link>http://www.cornettcommunications.com/blog/how-are-mortgage-rates-determined-by-lenders/</link>
		<comments>http://www.cornettcommunications.com/blog/how-are-mortgage-rates-determined-by-lenders/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 15:08:08 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Mortgage Loans]]></category>

		<guid isPermaLink="false">http://www.cornettcommunications.com/blog/?p=271</guid>
		<description><![CDATA[Reader Question: &#8220;How does a lender decide what mortgage rate I&#8217;m going to get? How are these rates determined when I apply for a loan?&#8221; The amount of interest applied to a home loan is determined by many different factors. But all of these factors fall into one of two categories &#8212; economic and personal. [...]]]></description>
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		<title>The Best Identity Theft Protection Services &#8211; My Picks</title>
		<link>http://www.cornettcommunications.com/blog/best-identity-theft-protection-services-brandons-picks/</link>
		<comments>http://www.cornettcommunications.com/blog/best-identity-theft-protection-services-brandons-picks/#comments</comments>
		<pubDate>Thu, 11 Jun 2009 21:02:12 +0000</pubDate>
		<dc:creator>Brandon</dc:creator>
				<category><![CDATA[Identity Protection]]></category>

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		<description><![CDATA[I&#8217;ve always said the best way to prevent identity theft is to exercise good old-fashioned common sense. By protecting your personal information and keeping an eye out for fraud, you can protect yourself from most threats. But I recently revised my opinion on this subject, after becoming a victim of ID theft. I&#8217;ll spare you [...]]]></description>
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