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	<title>Metro Baltimore Real Estate Blog &#187; buyer</title>
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	<link>http://metrobaltimorerealestate.com</link>
	<description>Information for Home buyers and sellers in the Greater Baltimore Maryland Metropolitan Area</description>
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		<title>Maryland Home Buyer Workshop</title>
		<link>http://metrobaltimorerealestate.com/2010/02/maryland-home-buyer-workshop/</link>
		<comments>http://metrobaltimorerealestate.com/2010/02/maryland-home-buyer-workshop/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 19:12:22 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[maryland]]></category>
		<category><![CDATA[workshop]]></category>

		<guid isPermaLink="false">http://metrobaltimorerealestate.com/?p=585</guid>
		<description><![CDATA[
When: Wednesday, March 3rd @ 6:30 PM
Where: MetLife Home Loans
9475 Deereco Road, Suite 310
Lutherville Timonium, MD 21093
This FREE workshop is designed to educate potential homebuyers on the process and to produce successful homeowners.
If you or know someone that wants to move into a home within the next one to six months, the best way to [...]]]></description>
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		<title>New or Resale</title>
		<link>http://metrobaltimorerealestate.com/2008/11/new-or-resale/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/new-or-resale/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 12:39:52 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=133</guid>
		<description><![CDATA[One of the decisions most prospective homebuyers have to make is whether to buy a brand new house or a previously owned (&#8220;resale&#8221;) home. Here&#8217;s a comparison of some advantages to each choice:
New house:
  Modern floor plans that could include a &#8220;great room,&#8221; bigger closets, more baths, etc.
  The opportunity to choose upgrades and customize floor coverings, [...]]]></description>
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		<title>Things to Consider</title>
		<link>http://metrobaltimorerealestate.com/2008/11/things-to-consider/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/things-to-consider/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 13:41:42 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=127</guid>
		<description><![CDATA[When we begin looking for a home, we often get wrapped up in the important details like style, the number of bedrooms and bathrooms, and square footage. But we don&#8217;t always consider the quality of life issues that may impact our ability to enjoy the home. Here are some other things you should keep in [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Moving Day</title>
		<link>http://metrobaltimorerealestate.com/2008/11/moving-day/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/moving-day/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 11:25:09 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[packing]]></category>
		<category><![CDATA[seller]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=100</guid>
		<description><![CDATA[Most buyers and sellers consider moving day a real hassle. Here are some things you can do to make it more manageable:
* Cut back on your possessions as you pack. Make separate areas for items to be discarded, sold, or donated to charity.
* Label all boxes and color-code them by room, whether you pack yourself [...]]]></description>
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		<title>Needed at Settlement</title>
		<link>http://metrobaltimorerealestate.com/2008/11/needed-at-settlement/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/needed-at-settlement/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 12:34:37 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[settlement]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=124</guid>
		<description><![CDATA[Once the contract has been negotiated and the closing papers are about to be signed, you will need additional items for the transaction to close. When you go in to sign the papers, you will need:
* Photo ID, either a driver&#8217;s license or passport.
* A cashier&#8217;s check for the down payment and closing costs. Personal [...]]]></description>
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		<title>Pre-Approval: The First Step</title>
		<link>http://metrobaltimorerealestate.com/2008/11/pre-approval-the-first-step/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/pre-approval-the-first-step/#comments</comments>
		<pubDate>Fri, 07 Nov 2008 14:15:26 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pre-approval]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=116</guid>
		<description><![CDATA[One of the most important steps in the home-buying process is being pre-approved for a home loan. Many buyers apply for a loan and receive approval from a lender BEFORE searching for a home. This is called “pre-approval.”
Why is pre-approval important at the beginning of the home-buying process?
* Pre-approval can cut days or even weeks [...]]]></description>
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		<title>Inspection vs Appraisal</title>
		<link>http://metrobaltimorerealestate.com/2008/11/inspection-vs-appraisal/</link>
		<comments>http://metrobaltimorerealestate.com/2008/11/inspection-vs-appraisal/#comments</comments>
		<pubDate>Thu, 06 Nov 2008 15:08:03 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[inspection]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=135</guid>
		<description><![CDATA[Many people wonder about the difference between a property appraisal and an inspection, and how each is used during the home buying process.
An appraisal is a formal assessment of the value of a home or property. When you are seeking financing, the lender usually requires an appraisal to ascertain the value of the property in [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Buy or Sell First?</title>
		<link>http://metrobaltimorerealestate.com/2008/10/buy-or-sell-first/</link>
		<comments>http://metrobaltimorerealestate.com/2008/10/buy-or-sell-first/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 19:12:28 +0000</pubDate>
		<dc:creator>Phill Cross</dc:creator>
				<category><![CDATA[General Real Estate]]></category>
		<category><![CDATA[Home Buyer]]></category>
		<category><![CDATA[Home Sellers]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[seller]]></category>

		<guid isPermaLink="false">http://blog.phillcross.com/?p=129</guid>
		<description><![CDATA[The classic dilemma for many homeowners is whether to buy or sell first. There is no &#8220;right&#8221; answer. It depends on your specific circumstances.
Most homeowners agree that it&#8217;s more prudent and less stressful if you sell your existing home before you buy a new one. You can often get top dollar for your home if [...]]]></description>
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