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	<title>Prophet News &#187; Real Estate Buyer&#8217;s Info</title>
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	<description>Orange County Real Estate News from The Robert Prophet Group</description>
	<lastBuildDate>Sun, 17 Jul 2011 17:43:57 +0000</lastBuildDate>
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		<title>The Better Bargain: Foreclosure or Short Sale?</title>
		<link>http://prophetnews.com/2011/06/30/the-better-bargain-foreclosure-or-short-sale/</link>
		<comments>http://prophetnews.com/2011/06/30/the-better-bargain-foreclosure-or-short-sale/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 14:20:46 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3340</guid>
		<description><![CDATA[Short sales and foreclosures have flooded the housing market in recent years, and buyers are often drawn to the bargain prices but may be hesitant to jump into what usually is a difficult transaction and a long process. Bankrate.com recently tackled the question of “Which to Buy: Short Sale or Foreclosure?” in an article that [...]]]></description>
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		<title>Borrowers Lack Mortgage Knowledge</title>
		<link>http://prophetnews.com/2011/06/29/borrowers-lack-mortgage-knowledge/</link>
		<comments>http://prophetnews.com/2011/06/29/borrowers-lack-mortgage-knowledge/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 14:42:52 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3333</guid>
		<description><![CDATA[A recent survey by Zillow Mortgage Marketplace found that borrowers who received a home loan in the past five years spent, on average, five hours researching their options. That’s about half the amount of time borrowers spent researching a car purchase (10 hours). What’s more, nearly one-third spent two hours or less, according to Zillow. [...]]]></description>
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		<title>4 Mistakes to Avoid When Buying a Foreclosure</title>
		<link>http://prophetnews.com/2011/06/04/4-mistakes-to-avoid-when-buying-a-foreclosure/</link>
		<comments>http://prophetnews.com/2011/06/04/4-mistakes-to-avoid-when-buying-a-foreclosure/#comments</comments>
		<pubDate>Sat, 04 Jun 2011 15:32:06 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[Real Estate Deals]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3255</guid>
		<description><![CDATA[While some foreclosures are a great purchase, buyers need to be cautious before jumping in to make sure they really are getting a bargain.]]></description>
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		<title>The Perfect Fit</title>
		<link>http://prophetnews.com/2011/05/22/the-perfect-fit/</link>
		<comments>http://prophetnews.com/2011/05/22/the-perfect-fit/#comments</comments>
		<pubDate>Sun, 22 May 2011 19:00:11 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Home buying]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3203</guid>
		<description><![CDATA[Buy too big a home and you could struggle financially; buy too small a one and you might have to move sooner than you’d like. So how much home do you need? Here’s some advice on how to figure that out.]]></description>
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		<title>Buying A Home Beats Renting</title>
		<link>http://prophetnews.com/2011/05/15/buying-a-home-beats-renting/</link>
		<comments>http://prophetnews.com/2011/05/15/buying-a-home-beats-renting/#comments</comments>
		<pubDate>Sun, 15 May 2011 16:54:53 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Renting]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3191</guid>
		<description><![CDATA[For the first time in years, buying a home may beat renting. Home prices have finally dropped enough to create a buying opportunity. Nationally, prices are down 32% from their peak, set in 2006.]]></description>
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		<title>Loan-Level Pricing Adjustments</title>
		<link>http://prophetnews.com/2011/04/12/loan-level-pricing-adjustments/</link>
		<comments>http://prophetnews.com/2011/04/12/loan-level-pricing-adjustments/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 20:17:49 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Loan-Level Pricing]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3098</guid>
		<description><![CDATA[Loan-level pricing adjustments are changes in your loan costs based on your individual risk to a bank. Loan-level pricing adjustments change about every five months.]]></description>
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		<title>10 Ways to Prepare for Homeownership</title>
		<link>http://prophetnews.com/2011/04/07/10-ways-to-prepare-for-homeownership/</link>
		<comments>http://prophetnews.com/2011/04/07/10-ways-to-prepare-for-homeownership/#comments</comments>
		<pubDate>Thu, 07 Apr 2011 12:14:39 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=3053</guid>
		<description><![CDATA[Here is a quick but comprehensive list to get you ready to own your own home.]]></description>
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		<title>A Winning Offer</title>
		<link>http://prophetnews.com/2011/03/15/a-winning-offer/</link>
		<comments>http://prophetnews.com/2011/03/15/a-winning-offer/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 16:34:52 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Home buying]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=2924</guid>
		<description><![CDATA[When you’re ready to make an offer on a house, here are a few things you can do to better the odds of your offer being the winning one.]]></description>
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		</item>
		<item>
		<title>Understanding Your Credit Score</title>
		<link>http://prophetnews.com/2011/03/14/understanding-your-credit-score/</link>
		<comments>http://prophetnews.com/2011/03/14/understanding-your-credit-score/#comments</comments>
		<pubDate>Mon, 14 Mar 2011 16:45:33 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=2915</guid>
		<description><![CDATA[Some consumers lack the knowledge about credit scores, and most importantly, how you can boost it to get better deals on home loans or other type of loans.]]></description>
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		<title>Closing Costs Are Negotiable?</title>
		<link>http://prophetnews.com/2011/03/03/closing-costs-are-negotiable/</link>
		<comments>http://prophetnews.com/2011/03/03/closing-costs-are-negotiable/#comments</comments>
		<pubDate>Thu, 03 Mar 2011 15:51:56 +0000</pubDate>
		<dc:creator>Robert Prophet</dc:creator>
				<category><![CDATA[Real Estate Buyer's Info]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Home buying]]></category>

		<guid isPermaLink="false">http://prophetnews.com/?p=2871</guid>
		<description><![CDATA[There’s a lot of room for negotiation in the costs of closing and consumers should examine every charge and not hesitate to challenge them and try to bring them down.]]></description>
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