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	<title>Palm Springs Real Estate &#187; First Time Buyers</title>
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	<description>Ed Brophy, REALTOR®</description>
	<lastBuildDate>Tue, 15 May 2012 15:59:25 +0000</lastBuildDate>
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		<title>Buying a Palm Springs Home in 2012</title>
		<link>http://edbrophy.com/buying-a-palm-springs-home-in-2012/</link>
		<comments>http://edbrophy.com/buying-a-palm-springs-home-in-2012/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 16:43:19 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Buying a Palm Springs Home in 2012]]></category>
		<category><![CDATA[Palm Springs Homes]]></category>
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		<category><![CDATA[Palm Springs Real Estate Agent]]></category>
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		<category><![CDATA[Palm Springs Short Sales]]></category>

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		<description><![CDATA[Are you one of the hundreds of people who will be Buying a Palm Springs Home in 2012?  We&#8217;re almost at the end of 2011, with 2012 quickly becoming a reality, like every year before it people have started putting their list of New Years Resolutions together.  Usually found on that list somewhere is the [...]]]></description>
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		<title>Make a Plan for Homeownership</title>
		<link>http://edbrophy.com/make-a-plan-for-homeownership/</link>
		<comments>http://edbrophy.com/make-a-plan-for-homeownership/#comments</comments>
		<pubDate>Sat, 25 Sep 2010 15:07:35 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
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		<category><![CDATA[First Time Home Buyers]]></category>
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		<category><![CDATA[JoAnne Gilliam]]></category>
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		<category><![CDATA[Palm Spring Real Estate]]></category>
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		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2689</guid>
		<description><![CDATA[Stick to the Plan Many potential homeowners know that they want to buy a home someday, but have no real idea how that will happen. They put off their home-buying dreams for a vague future when they earn more, have a better credit rating or feel they’re in the right financial position to buy. Unfortunately, [...]]]></description>
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		<title>First Time Homebuyer Tax Credit May Return</title>
		<link>http://edbrophy.com/first-time-homebuyer-tax-credit-may-return/</link>
		<comments>http://edbrophy.com/first-time-homebuyer-tax-credit-may-return/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 16:13:46 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Loans]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Streamline Refinanc]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2263</guid>
		<description><![CDATA[First Time Homebuyer Tax Credit May Return Shaun Donovan, Secretary of Housing and Urban Development, said Sunday that the housing market&#8217;s July woes were &#8220;worse than expected&#8221; and that the administration may support a new homebuyer tax credit. In an interview on CNN, Donovan said the administration is &#8220;concerned&#8221; about the path of the industry. [...]]]></description>
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		<title>Rent or Buy A Home?</title>
		<link>http://edbrophy.com/rent-or-buy-a-home/</link>
		<comments>http://edbrophy.com/rent-or-buy-a-home/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 03:12:18 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
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		<category><![CDATA[rent vs buy]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2125</guid>
		<description><![CDATA[First time home buyers have a lot to consider this summer when making the decision to rent or buy a home: interest rates are at all-time lows, there&#8217;s still plenty of housing stock and prices are at or near their lowest in years. Still, deciding whether to buy a home or rent an apartment can [...]]]></description>
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		<title>Home Buying &#8211; Step by Step</title>
		<link>http://edbrophy.com/home-buying-step-by-step/</link>
		<comments>http://edbrophy.com/home-buying-step-by-step/#comments</comments>
		<pubDate>Tue, 22 Jun 2010 05:28:03 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1581</guid>
		<description><![CDATA[Home Buying &#8211; Step by Step Interview and Select Your Mortgage Professional Interviewing and selecting your Mortgage Professional is the most important step when beginning your home buying process and should be your first step, even before selecting a Realtor.  Your Mortgage Professional will carefully review your financial profile and assist in determining how much home [...]]]></description>
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		<title>US Senate: Homebuyers Tax Credit Deadline Extended</title>
		<link>http://edbrophy.com/us-senate-homebuyers-tax-credit-deadline-extended/</link>
		<comments>http://edbrophy.com/us-senate-homebuyers-tax-credit-deadline-extended/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 21:21:43 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
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		<category><![CDATA[firefighter]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[home purchase]]></category>
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		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></category>
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		<category><![CDATA[police officer]]></category>
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		<guid isPermaLink="false">http://edbrophy.com/?p=1927</guid>
		<description><![CDATA[US Senate: Homebuyers Tax Credit Deadline Extended The US Senate passed an amendment to extend the closing deadline for home buyers who qualified for the tax credit pleases Realtors and Homebuyers. The original deadline date of June 30 has now been extended to September 30. This is an extremely important measure as it will help [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>US Armed Forces 1st Time Home Buyer Tax Credit Extended</title>
		<link>http://edbrophy.com/us-armed-forces-1st-time-home-buyer-tax-credit-extended/</link>
		<comments>http://edbrophy.com/us-armed-forces-1st-time-home-buyer-tax-credit-extended/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 12:23:42 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[tax credit extension]]></category>
		<category><![CDATA[va home loan]]></category>
		<category><![CDATA[va loans]]></category>
		<category><![CDATA[va mortgage]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=639</guid>
		<description><![CDATA[The $8,000 first time home buyer tax credit will expire April 30th 2010. However if you are a service member serving overseas during this time you may still take advantage of this benefit because this law will extend your opportunity until April 30, 2011. Any &#8220;Service member&#8221; serving at least 90 days between January 2009 [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>First Time Home Buyers Time is Running Out</title>
		<link>http://edbrophy.com/first-time-home-buyers-time-is-running-out/</link>
		<comments>http://edbrophy.com/first-time-home-buyers-time-is-running-out/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 15:04:16 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=389</guid>
		<description><![CDATA[First-time homebuyers in Southern California are facing a deadline.  Time is running out on the $8,000 tax credit.   To receive the $8,000, first-time buyers will need to be under contract by April 30th of this year. If you had plans on taking advantage of this credit, you should already be seriously shopping for a home.  It is tough times [...]]]></description>
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