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		<title>Mobile Alabama Real Estate news. Check i</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/10/26/mobile-alabama-real-estate-news-check-i/</link>
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		<pubDate>Wed, 26 Oct 2011 17:34:10 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
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		<description><![CDATA[Mobile Alabama Real Estate news. Check it out http://ow.ly/79MrI<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=191&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Mobile Alabama Real Estate news.  Check it out<br />
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		<title>Creating a &#8220;Man Cave&#8221;</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/10/21/creating-a-man-cave/</link>
		<comments>http://mobilebaldwinhomes.wordpress.com/2011/10/21/creating-a-man-cave/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 22:36:53 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Billiard table]]></category>
		<category><![CDATA[Game]]></category>
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		<category><![CDATA[Man cave]]></category>
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		<category><![CDATA[Shuffleboard]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=185</guid>
		<description><![CDATA[Creating Your Very Own “Man Cave” It wasn’t so long ago that many men chose the garage as a place of personal sanctuary-at-home, regardless of their interest in anything automotive. Often cramped and dimly lit, these makeshift hideaways were the stuff of folding-table poker and football games on the spare TV. Today the need for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=185&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h2><span style="color:#07144c;">Creating Your Very Own “<a class="zem_slink" title="Man cave" href="http://en.wikipedia.org/wiki/Man_cave" rel="wikipedia">Man Cave</a>”</span></h2>
<p>It wasn’t so long ago that many men chose the garage as a place of personal sanctuary-at-home, regardless of their interest in anything automotive. Often cramped and dimly lit, these makeshift hideaways were the stuff of folding-table poker and football games on the spare <a class="zem_slink" title="TV" href="http://www.break.com/c/pop-culture-videos/tv/" rel="break">TV</a>. Today the need for guys to carve out their own space at home is more widely acknowledged. As a result, more and more homeowners are converting their finished basements, attic spaces or spare rooms into masculine refuges. With a little bit of planning (and some savvy negotiation with the lady of the house), you too can create your own customized “man cave”.</p>
<p><img src="http://media.reliancenetwork.com/dyna_images/agents/13/41752/20101221095754.jpg" alt="" width="410" align="center" border="1" hspace="5" vspace="5" /> <a name="name1"></a></p>
<h3><span style="color:#07144c;">The Many Styles of Dude <a class="zem_slink" title="Dens Park" href="http://maps.google.com/maps?ll=56.4752638889,-2.97319444444&amp;spn=0.01,0.01&amp;q=56.4752638889,-2.97319444444 (Dens%20Park)&amp;t=h" rel="geolocation">Dens</a></span></h3>
<p><span style="font-family:Arial, Tahoma, sans-serif;color:#000000;font-size:small;">While <a class="zem_slink" title="Man Caves" href="http://www.hulu.com/man-caves" rel="hulu">man caves</a> often revolve around the time-honored rite of male bonding that is spectator sports, there is no single blueprint to a successful male refuge. Some guys turn their basements into full scale game rooms where pool, air hockey and arcade games rule the day. Movie buffs have been known to turn spare rooms into home theaters replete with surround sound and recliners on stadium risers. And a good many men aim to convert their extra space at home into their very own pub, outfitted in their own image. </span></p>
<p><a name="name2"></a></p>
<h3><span style="color:#07144c;">Getting Started</span></h3>
<p>The last thing you want is a room overly crammed full of anything and everything you can jam into it. Before you begin, start thinking exactly what kind of activities you want to plan around. Is your main goal to have a perfect place to watch the big game? Looking for a permanent home to poker night? Perhaps you want a place to work out in comfort, or even a workshop space. By figuring out the focus of your man cave, you’ll be able to tailor furniture, décor and space to match.</p>
<p>It may help to pick one element (<a class="zem_slink" title="Home cinema" href="http://en.wikipedia.org/wiki/Home_cinema" rel="wikipedia">home theater system</a>, a pool table, jukebox, etc.) as both the centerpiece and inspiration for your man cave.</p>
<p><a name="name3"></a></p>
<h3><span style="color:#07144c;">Space it Out</span></h3>
<p><img src="http://media.reliancenetwork.com/dyna_images/agents/13/41752/20101221094240.jpg" alt="" width="410" align="center" border="1" hspace="5" vspace="5" /> Carefully measure all dimensions of the space you have available, and do the same when considering the purchase of any furniture, hardware or stand-alone game systems. Maintain open walking paths throughout the room. If you’re centering the room around a home theater system, keep in mind that you’ll want to keep clear sightlines for the main seating areas in the room.</p>
<h3><span style="color:#07144c;">Durable Materials</span></h3>
<p>Chances are your man sanctuary is going to go through its share of bumps, spills and accidents during game days, poker parties and guy’s nights. Choose granite, sturdy laminate or durable wood surfaces for bar countertops, end tables and coffee tables. Pick thicker commercial-grade carpet to withstand tough treatment, and stick with darker colors that won’t show every little spill. Thicker carpeting also helps with soundproofing, which will help keep the rest of the household happy.</p>
<h3><span style="color:#07144c;">Essentials</span></h3>
<p>Most man caves will in some way involve three key elements – comfortable seating, a big TV and refreshments just a few steps away.</p>
<p>Seating – Wrap-around couches are a great way to welcome your buddies in style. And there’s no going wrong with the classic man cave throne: the recliner.</p>
<p>Theater-Style TV’s – Large flat screen televisions have become much more affordable in recent years, and with the expansion of HD sports broadcasts, blue ray and high def gaming systems, the technology is tailor-made for a guy’s paradise.</p>
<p>Beverages – With refreshments nearby, you won’t be forced to step away from the big game or fold that hand just to get another beverage or grab some more snacks. If you’re not able to swing a full enclosed bar, you can purchase smaller portable bars in a variety of styles, or just go with shelving or built-in cabinets to store snacks. Either way, you’ll absolutely want to include a small refrigerator in the plans.</p>
<h3><span style="color:#07144c;">Finishing Touches</span></h3>
<p>While you&#8217;re dreaming big, why not consider a few extras to put your man cave over the top:</p>
<ul>
<li><a class="zem_slink" title="Sports memorabilia" href="http://en.wikipedia.org/wiki/Sports_memorabilia" rel="wikipedia">Sports Memorabilia</a></li>
<li>Big Screen TV</li>
<li>Couches</li>
<li><a class="zem_slink" title="Recliner" href="http://en.wikipedia.org/wiki/Recliner" rel="wikipedia">Recliner</a></li>
<li>Bar area</li>
<li><a class="zem_slink" title="Neon sign" href="http://en.wikipedia.org/wiki/Neon_sign" rel="wikipedia">Neon signs</a></li>
<li>Bar games: Pool, Darts, <a class="zem_slink" title="Air hockey" href="http://en.wikipedia.org/wiki/Air_hockey" rel="wikipedia">Air hockey</a>, Shuffleboard, Foosball</li>
<li>Vintage signs</li>
<li><a class="zem_slink" title="Poker table" href="http://en.wikipedia.org/wiki/Poker_table" rel="wikipedia">Poker table</a></li>
<li>Humidor</li>
</ul>
<p>Information provided by Marie Dickinson and Prudential Cooper &amp; Co., Mobile ALabama.</p>
<p><a href="http://www.mariedickinson.com/">www.MarieDickinson.com</a></p>
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		<title>What to Look for in Home Inspection</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/10/15/what-to-look-for-in-home-inspection/</link>
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		<pubDate>Sat, 15 Oct 2011 17:46:54 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Inspections]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=181</guid>
		<description><![CDATA[Is This Your New Home Sweet Home? Once you’ve found the perfect home, you’ll want to try to assess how well the property has been maintained over time, carefully review all property disclosure documents and do a more thorough examination of the property for any hidden surprises. Hiring a home inspector who has extensive credentials [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=181&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h3><span style="color:#07144c;">Is This Your New Home Sweet Home?</span></h3>
<p><img src="http://media.reliancenetwork.com/media/global/newsletters/monthly/2011/oct/100111002.jpg" alt="" align="right" border="1" hspace="5" vspace="5" /></p>
<p>Once you’ve found the perfect home, you’ll want to try to assess how well the <a class="zem_slink" title="Property" href="http://en.wikipedia.org/wiki/Property" rel="wikipedia">property</a> has been maintained over time, carefully review all property disclosure documents and do a more thorough examination of the property for any hidden surprises. Hiring a <a class="zem_slink" title="Home inspection" href="http://en.wikipedia.org/wiki/Home_inspection" rel="wikipedia">home inspector</a> who has extensive credentials is generally considered a wise move.</p>
<p>A home inspection should include a thorough review of:</p>
<ul>
<li>Structural elements: construction of walls, ceilings, floors, roof, foundations</li>
<li>Exterior evaluation: elevation, drainage, driveways, fences, sidewalks, fascia, trim, doors, windows, lights, and exterior receptacles</li>
<li>Roof/Attic: framing, ventilation, type of roof construction, flashing, and gutters</li>
<li><a class="zem_slink" title="Plumbing" href="http://en.wikipedia.org/wiki/Plumbing" rel="wikipedia">Plumbing</a>: identify pipe materials for potable, drain, waste and vent pipes as well as condition of toilets, showers, sinks, faucets, and traps</li>
<li>Systems and components: <a class="zem_slink" title="Water heating" href="http://en.wikipedia.org/wiki/Water_heating" rel="wikipedia">water heaters</a>, furnaces, <a class="zem_slink" title="Air conditioning" href="http://en.wikipedia.org/wiki/Air_conditioning" rel="wikipedia">air conditioning</a>, duct work, chimney, fireplace and sprinklers</li>
<li>Electrical: main panel, <a class="zem_slink" title="Circuit breaker" href="http://en.wikipedia.org/wiki/Circuit_breaker" rel="wikipedia">circuit breakers</a>, types of wiring, grounding, exhaust fans, receptacles, <a class="zem_slink" title="Ceiling fan" href="http://en.wikipedia.org/wiki/Ceiling_fan" rel="wikipedia">ceiling fans</a> and light fixtures</li>
<li>Appliances: dishwasher, range/oven, built-in microwaves, <a class="zem_slink" title="Garbage disposal" href="http://en.wikipedia.org/wiki/Garbage_disposal" rel="wikipedia">garbage disposal</a> and <a class="zem_slink" title="Smoke detector" href="http://en.wikipedia.org/wiki/Smoke_detector" rel="wikipedia">smoke detectors</a></li>
<li>Garage: slab, wall, ceiling, vents, entry, firewall, <a class="zem_slink" title="Garage door" href="http://en.wikipedia.org/wiki/Garage_door" rel="wikipedia">garage door</a>, openers, lights receptacles, exterior, windows and roof</li>
</ul>
<p>&nbsp;</p>
<p>You’ll also want to know what isn’t included in the home inspection. Some areas frequently not included in the inspection, or included only at a cursory level are:</p>
<ul>
<li>Asbestos</li>
<li>Radon, methane, radiation, formaldehyde</li>
<li>Wood-destroying organisms</li>
<li>Mold, mildew, fungi</li>
<li>Rodent presence</li>
<li>Lead</li>
</ul>
<p>Marie Dickinson</p>
<p>Information is from Prudential Cooper Realtor</p>
<p><a href="http://www.mariedickinson.com/">www.MarieDickinson.com</a></p>
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		<title>Home Inspections</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/10/12/home-inspections-2/</link>
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		<pubDate>Wed, 12 Oct 2011 17:33:35 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
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		<description><![CDATA[The home buying process is a lengthy one, and many buyers rush through or even forgo the home inspection. It’s important that you don’t make the same mistake! Professional home inspections can save you time and money, or even prevent you from making a disastrous deal. In case you’re not convinced, I’ve compiled a quick [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=179&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>The home buying process is a lengthy one, and many buyers rush through or even forgo the <a class="zem_slink" title="Home inspection" href="http://en.wikipedia.org/wiki/Home_inspection" rel="wikipedia">home inspection</a>. It’s important that you don’t make the same mistake! Professional home inspections can save you time and money, or even prevent you from making a disastrous deal. In case you’re not convinced, I’ve compiled a quick list of some serious home defects that can be found during a home inspection:</p>
<ul>
<li><strong>Defect #1: Bad Foundation</strong>
<p>Unless you can <a class="zem_slink" title="Negotiation" href="http://en.wikipedia.org/wiki/Negotiation" rel="wikipedia">negotiate</a> a price reduction to cover cost, walk away.</li>
<li><strong>Defect #2: Worn Roof</strong>
<p>Most likely it will need to be replaced. If the <a class="zem_slink" title="Sales" href="http://en.wikipedia.org/wiki/Sales" rel="wikipedia">seller</a> will not do so, negotiate a lower price.</li>
<li><strong>Defect #3: Termite Infestation</strong>
<p>The house is probably in need of expensive structural repairs. Unless the seller is willing to help pay, it’s probably not a good investment.</li>
<li><strong>Defect #4: Outdated Wiring</strong>
<p>This can be expensive to correct, and is a dangerous problem. Negotiate with the seller after getting an estimate from an electrician.</li>
<li><strong>Defect #5: Damaged Shower Pan</strong>
<p>Get an estimate from a contractor if you find water under the shower, and negotiate with the seller to cover costs.</li>
</ul>
<p>Protecting your investment, especially one as special as a new home, is crucial. An expert home inspection is often the most important step in securing that protection. More tips on home buying are available on my website. If you’d like to talk more about home inspections or any of your real estate questions, please call. I’d love to hear from you.</p>
<p>Marie Dickinson</p>
<p><a href="http://www.mariedickinson.com/">www.MarieDickinson.com</a></p>
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		<title>First-Time Homebuyers Face the Opportunity of a Lifetime</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/08/02/first-time-homebuyers-face-the-opportunity-of-a-lifetime-7/</link>
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		<pubDate>Tue, 02 Aug 2011 20:31:54 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=162</guid>
		<description><![CDATA[First-TimeHomebuyers Face the Opportunity of a Lifetime Prudential (DBA) Part 6 Making offers – Make sure you visit several different homes to get a feel for the marketplace. Visit the ones you like again to see things you might have missed. Work with your real estate professional to get all of your questions answered before [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=162&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img">
<div class="wp-caption alignright" style="width: 215px"><a href="http://commons.wikipedia.org/wiki/File:Prudential_advert_1909.jpg"><img title="Old advert of the Prudential Insurance Co. of ..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/8/83/Prudential_advert_1909.jpg/300px-Prudential_advert_1909.jpg" alt="Old advert of the Prudential Insurance Co. of ..." width="205" height="164" /></a><p class="wp-caption-text">Image via Wikipedia</p></div>
</div>
<h3 align="center">First-TimeHomebuyers Face the Opportunity of a Lifetime</h3>
<p><strong>Prudential (DBA)</strong></p>
<p><strong>Part 6</strong></p>
<p><strong>Making offers – </strong>Make sure you visit several different homes to get a feel for the marketplace. Visit the ones you like again to see things you might have missed. Work with your <a class="zem_slink" title="Real estate" href="http://en.wikipedia.org/wiki/Real_estate" rel="wikipedia">real estate</a> professional to get all of your questions answered before making an offer. And remember there are no silly questions. Make sure you understand and are comfortable with every aspect of the transaction.</p>
<p>Indeed, <a class="zem_slink" title="Owner-occupier" href="http://en.wikipedia.org/wiki/Owner-occupier" rel="wikipedia">home ownership</a> remains a sound financial decision for most and a key component of long-term <a class="zem_slink" title="Financial plan" href="http://en.wikipedia.org/wiki/Financial_plan" rel="wikipedia">financial planning</a>. First-time buyers who seek homes for all the right reasons – a place to raise a family, build for the future and face life’s opportunities and challenges – can secure their dreams and build for their futures at some of the most attractive values in years.</p>
<p>Marie Dickinson can be reached at <a href="http://www.mariedickinson.com/">www.mariedickinson.com</a> . Prudential Cooper &amp; Co. is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a <a class="zem_slink" title="Prudential Financial" href="http://www.prudential.com/" rel="homepage">Prudential Financial</a> company. Equal Housing Opportunity<strong>. </strong></p>
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		<title>First-Time Homebuyers Face the Opportunity of a Lifetime</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/07/28/first-time-homebuyers-face-the-opportunity-of-a-lifetime-6/</link>
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		<pubDate>Thu, 28 Jul 2011 20:28:56 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Uncategorized]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=158</guid>
		<description><![CDATA[First-Time Homebuyers Face the Opportunity of a Lifetime Prudential (DBA) Part 5 Closing costs must be factored in as well. These include origination fees charged by the lender, title and settlement fees, taxes and prepaid items such as homeowners insurance or homeowner association fees. All told, buyers should spend no more than 28% of their [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=158&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h3 align="center">First-Time Homebuyers Face the Opportunity of a Lifetime</h3>
<p><strong>Prudential (DBA)</strong></p>
<p><strong>Part 5</strong></p>
<p><strong><a class="zem_slink" title="Closing costs" href="http://en.wikipedia.org/wiki/Closing_costs" rel="wikipedia">Closing costs</a></strong> must be factored in as well. These include origination <a class="zem_slink" title="Fee" href="http://en.wikipedia.org/wiki/Fee" rel="wikipedia">fees</a> charged by the lender, title and settlement fees, taxes and prepaid items such as <a class="zem_slink" title="Home insurance" href="http://en.wikipedia.org/wiki/Home_insurance" rel="wikipedia">homeowners insurance</a> or <a class="zem_slink" title="Homeowner association" href="http://en.wikipedia.org/wiki/Homeowner_association" rel="wikipedia">homeowner association</a> fees. All told, buyers should spend no more than 28% of their income on housing costs, according to <a class="zem_slink" title="Fannie Mae" href="http://www.fanniemae.com/" rel="homepage">Fannie</a> Mae. Your <a class="zem_slink" title="Real estate" href="http://en.wikipedia.org/wiki/Real_estate" rel="wikipedia">real estate</a> professional will be able to explain your options.</p>
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		<pubDate>Tue, 26 Jul 2011 20:26:34 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
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		<category><![CDATA[Down payment]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=155</guid>
		<description><![CDATA[First-Time Homebuyers Face the Opportunity of a Lifetime Prudential (DBA)  Part 4 Down payment – The down payment amount varies depending on the value of the home you choose and your mortgage lender. First-time homebuyers may also qualify for down-payment assistance programs and grants available through their states and municipalities. Contact your state housing finance [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=155&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h3 align="center">First-Time Homebuyers Face the Opportunity of a Lifetime</h3>
<p><strong>Prudential (DBA)</strong></p>
<p> <strong>Part 4</strong></p>
<p><strong><a class="zem_slink" title="Down payment" href="http://en.wikipedia.org/wiki/Down_payment" rel="wikipedia">Down payment</a> – </strong>The down payment amount varies depending on the value of the home you choose and your <a class="zem_slink" title="Mortgage loan" href="http://en.wikipedia.org/wiki/Mortgage_loan" rel="wikipedia">mortgage lender</a>. First-time homebuyers may also qualify for down-payment assistance programs and grants available through their states and municipalities. Contact your <a class="zem_slink" title="State housing" href="http://en.wikipedia.org/wiki/State_housing" rel="wikipedia">state housing</a> finance authority, county housing and community development office for an application.</p>
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		<title>First-Time Homebuyers Face the Opportunity of a Lifetime</title>
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		<pubDate>Thu, 21 Jul 2011 20:23:33 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=152</guid>
		<description><![CDATA[First-Time Homebuyers Face the Opportunity of a Lifetime Prudential (DBA) Part 3 Mortgage payment – In today’s buyers market, you may face competition for your dream home. To establish your spending limit and gain the ability to move quickly on a home, get pre-approved for a loan before you start looking. The fact that your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=152&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h3 align="center">First-Time Homebuyers Face the Opportunity of a Lifetime</h3>
<p><strong>Prudential (DBA)</strong></p>
<p><strong>Part 3</strong></p>
<p><strong><a class="zem_slink" title="Mortgage loan" href="http://en.wikipedia.org/wiki/Mortgage_loan" rel="wikipedia">Mortgage</a> payment – </strong>In today’s buyers market, you may face competition for your dream home. To establish your spending limit and gain the ability to move quickly on a home, get pre-approved for a <a class="zem_slink" title="Loan" href="http://en.wikipedia.org/wiki/Loan" rel="wikipedia">loan</a> before you start looking. The fact that your loan has already been approved is of great value to the seller because it shortens the purchase process, and there is less of a chance that the buyer will back out of the sale. This process will also help you identify any credit challenges you must address prior to your purchase.</p>
<p>If you don’t have a specific mortgage lender in mind, ask your sales professional for a recommendation.</p>
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		<title>First-Time Homebuyers Face the Opportunity of a Lifetime</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/07/19/first-time-homebuyers-face-the-opportunity-of-a-lifetime-3/</link>
		<comments>http://mobilebaldwinhomes.wordpress.com/2011/07/19/first-time-homebuyers-face-the-opportunity-of-a-lifetime-3/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 20:18:44 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Lenders mortgage insurance]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Property tax]]></category>
		<category><![CDATA[Prudential Financial]]></category>
		<category><![CDATA[Real estate]]></category>

		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=148</guid>
		<description><![CDATA[First-Time Homebuyers Face the Opportunity of a Lifetime Prudential (DBA) Part 2 Affordability – Costs involved in the purchase of a home – mortgage, down payment and closing expenditures – can be overwhelming to first-time homebuyers. By looking at your income and debt ratio, your real estate professional can help you calculate how much you [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=148&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img">
<div class="wp-caption alignnone" style="width: 250px"><a href="http://en.wikipedia.org/wiki/File:Historical_US_Prime_Rate.png"><img title="Historical U.S. Prime Rates" src="http://upload.wikimedia.org/wikipedia/en/thumb/0/09/Historical_US_Prime_Rate.png/300px-Historical_US_Prime_Rate.png" alt="Historical U.S. Prime Rates" width="240" height="113" /></a><p class="wp-caption-text">Image via Wikipedia</p></div>
</div>
<h3 align="center">First-Time Homebuyers Face the <a class="zem_slink" title="Opportunity rover" href="http://maps.google.com/maps?ll=-1.95,354.47&amp;spn=0.01,0.01&amp;q=-1.95,354.47 (Opportunity%20rover)&amp;t=h" rel="geolocation">Opportunity</a> of a <a class="zem_slink" title="Lifetime (TV network)" href="http://www.mylifetime.com/" rel="homepage">Lifetime</a></h3>
<p><strong><a class="zem_slink" title="Prudential Financial" href="http://www.prudential.com/" rel="homepage">Prudential</a> (DBA)</strong></p>
<p><strong>Part 2</strong></p>
<p><strong>Affordability – </strong>Costs involved in the purchase of a home – <a class="zem_slink" title="Mortgage loan" href="http://en.wikipedia.org/wiki/Mortgage_loan" rel="wikipedia">mortgage</a>, <a class="zem_slink" title="Down payment" href="http://en.wikipedia.org/wiki/Down_payment" rel="wikipedia">down payment</a> and closing <a class="zem_slink" title="Cost" href="http://en.wikipedia.org/wiki/Cost" rel="wikipedia">expenditures</a> – can be overwhelming to first-time homebuyers. By looking at your income and debt ratio, your <a class="zem_slink" title="Real estate" href="http://en.wikipedia.org/wiki/Real_estate" rel="wikipedia">real estate</a> professional can help you calculate how much you can afford each month in mortgage payments. But before determining your price range, you should also take into consideration other factors that will affect your monthly budget once you are a homeowner, such as <a class="zem_slink" title="Property tax" href="http://en.wikipedia.org/wiki/Property_tax" rel="wikipedia">property taxes</a>, insurance, utilities and maintenance. And if your down payment is less than 20 percent of the cost of the home, you will be responsible for <a class="zem_slink" title="Lenders mortgage insurance" href="http://en.wikipedia.org/wiki/Lenders_mortgage_insurance" rel="wikipedia">private mortgage insurance</a>.</p>
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		<title>How To Buy A Home- Part 3</title>
		<link>http://mobilebaldwinhomes.wordpress.com/2011/07/15/how-to-buy-a-home-part-3/</link>
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		<pubDate>Fri, 15 Jul 2011 18:51:43 +0000</pubDate>
		<dc:creator>Mobile Baldwin Homes</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Community Associations Institute]]></category>
		<category><![CDATA[Fannie Mae]]></category>
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		<guid isPermaLink="false">http://mobilebaldwinhomes.wordpress.com/?p=79</guid>
		<description><![CDATA[Closing Cost      Closing costs must be factored in as well. These include origination fees charged by the lender, title and settlement fees, taxes and prepaid items such as homeowners insurance or homeowner association fees. All told, buyers should spend no more than 28% of their income on housing costs, according to Fannie Mae. Your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mobilebaldwinhomes.wordpress.com&amp;blog=19553976&amp;post=79&amp;subd=mobilebaldwinhomes&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><strong><a class="zem_slink" title="Closing costs" href="http://en.wikipedia.org/wiki/Closing_costs" rel="wikipedia">Closing Cost</a></strong></p>
<p><strong>     Closing costs</strong> must be factored in as well. These include origination <a class="zem_slink" title="Fee" href="http://en.wikipedia.org/wiki/Fee" rel="wikipedia">fees</a> charged by the lender, title and settlement fees, taxes and prepaid items such as <a class="zem_slink" title="Home insurance" href="http://en.wikipedia.org/wiki/Home_insurance" rel="wikipedia">homeowners insurance</a> or <a class="zem_slink" title="Homeowner association" href="http://en.wikipedia.org/wiki/Homeowner_association" rel="wikipedia">homeowner association</a> fees. All told, buyers should spend no more than 28% of their income on housing costs, according to <a class="zem_slink" title="Fannie Mae" href="http://www.fanniemae.com/" rel="homepage">Fannie</a> Mae. Your <a class="zem_slink" title="Real estate" href="http://en.wikipedia.org/wiki/Real_estate" rel="wikipedia">real estate</a> professional will be able to explain your options.</p>
<p>     If you have questions concerning this part of the home buying process, please feel free to get in touch with me, I&#8217;ll be glad to help.</p>
<p><a href="mailto:info@MobileBaldwinHomes.com">info@MobileBaldwinHomes.com</a></p>
<p><a href="http://www.mobilebaldwinhomes.com/">www.MobileBaldwinHomes.com</a></p>
<p><a href="http://www.mariedickinson.com/">www.MarieDickinson.com</a></p>
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