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	<title>JeffGramins.com</title>
	<link>http://www.jeffgramins.com</link>
	<description>&#34;The Greater Milwaukee Real Estate Blog&#34;</description>
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		<title>FHA Softens Mortgage Insurance Blow</title>
		<description><![CDATA[On October 4, buyers use FHA financing will encounter an unusual surprise. Their mortgages will cost more over time, but it will cost them less than it does today to close on their loan. That’s because some creative bookkeeping at HUD has spread the scheduled increase in FHA’s mandatory mortgage insurance premiums over the life [...]]]></description>
		<link>http://www.jeffgramins.com/archives/940</link>
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		<title>Housing Faces The Fall</title>
		<description><![CDATA[As recently as two weeks ago, the standard sources of price data‒Case-Shiller, NAR, FHFA‒were making headlines with the news that housing prices were up over the first half of the year. But as the summer ends and the home buying season winds down, a cloak of gloom is settling over the industry and Washington policy-makers, [...]]]></description>
		<link>http://www.jeffgramins.com/archives/936</link>
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		<title>950,000 Must Repay Homebuyer Tax Credit</title>
		<description><![CDATA[Nearly half of all Americans who claimed the first-time homebuyer tax credit on their 2009 tax returns will have to repay the government. According to a report from the Inspector General for Tax Administration, released to the public Thursday, about 950,000 of the nearly 1.8 million Americans who claimed the tax credit on their 2009 [...]]]></description>
		<link>http://www.jeffgramins.com/archives/967</link>
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		<title>Advantages of Owning A Home</title>
		<description><![CDATA[Would you rather rent or own a home? Many would say they prefer to own a home, but not everyone will do it. There are instances where renting is better because of the different circumstances. This is why you have to take time to weigh things first before purchasing a home. Owning one may offer [...]]]></description>
		<link>http://www.jeffgramins.com/archives/928</link>
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		<title>Covering Freddie&#8217;s Fannie</title>
		<description><![CDATA[This is a copy of a letter from 2004 House Democrats and sent to then-President George W Bush. In it, the signatories complained that the administration had taken a hard line with ‘housing-related government sponsored enterprises’ (GSEs) such as Fannie Mae and Freddie Mac by insisting on emphasizing fiscal prudence and responsible lending over increased [...]]]></description>
		<link>http://www.jeffgramins.com/archives/962</link>
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		<title>A Reward for Responsible Homeowners</title>
		<description><![CDATA[The government has bailed out Wall Street firms, giant banks, creditors of Fannie Mae and Freddie Mac &#8212; and is trying to bail out people who&#8217;ve defaulted or are about to default on their mortgages. But let&#8217;s say you&#8217;re a hardworking family that has done nothing wrong except buy a home when the housing bubble [...]]]></description>
		<link>http://www.jeffgramins.com/archives/938</link>
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		<title>Don&#8217;t Look for Home Buyer Tax Credit to Return</title>
		<description><![CDATA[Home buyers hoping for a renewal of the popular tax credit shouldn&#8217;t hold their collective breath as federal government officials say they arenâ€™t considering renewing it. Housing and Urban Development Secretary, Shaun Donovan, said the tax-credit renewal isn&#8217;t, &#8220;high on anyone&#8217;s list that we have heard. We have not heard Congress talking about renewing it.&#8221; [...]]]></description>
		<link>http://www.jeffgramins.com/archives/955</link>
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		<title>Prepare for the Final Walkthrough</title>
		<description><![CDATA[During the negotiation, we laid out our contingencies. We laid out the things we want to be done before we actually close the deal. There was inspection done to know the state of the property. There were also agreements made with the sellers. However, how can we be sure that these agreements are implemented? We [...]]]></description>
		<link>http://www.jeffgramins.com/archives/926</link>
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		<title>Increase The Odds Of Your Offer Being Accepted</title>
		<description><![CDATA[Below are several tips on increasing your odds of a home offer being accepted: 1. It is preferable to work with a real estate agent. Having an agent provides you with lots of benefits since the agent will be able to represent you properly. Moreover, the real estate agent has access to list of homes, [...]]]></description>
		<link>http://www.jeffgramins.com/archives/921</link>
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		<title>I Have A Dream</title>
		<description><![CDATA[In Washington today there are two rally&#8217;s going on. One called &#8220;Reclaiming the Dream&#8221;, the other, &#8220;Restoring Honor&#8221;. I think just the names are very telling. &#8220;Reclaim&#8221; indicates taking, while &#8220;Restoring&#8221; connotes giving. One wants to honor Dr. King while the other wants to claim him as their own. Based on his &#8220;I Have a [...]]]></description>
		<link>http://www.jeffgramins.com/archives/913</link>
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