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	<title>Jeff Baxter - A View From the Beach in Bethany Beach, DE</title>
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	<lastBuildDate>Tue, 26 Apr 2011 01:06:38 +0000</lastBuildDate>
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		<title>5 Things to Know Before You Apply for a Mortgage, Part 2</title>
		<link>http://blog.sjbaxter.com/2011/04/25/5-things-to-know-before-you-apply-for-a-mortgage-part-2/</link>
		<comments>http://blog.sjbaxter.com/2011/04/25/5-things-to-know-before-you-apply-for-a-mortgage-part-2/#comments</comments>
		<pubDate>Tue, 26 Apr 2011 01:06:38 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Mortage Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=666</guid>
		<description><![CDATA[In Part 1 of  our series, we discussed income and the documentation you&#8217;ll need for your lender.  You can read Part 1 here: 5 Things to Know Before You Apply for a Mortgage
In Part 2, we&#8217;ll discuss documenting your cash assets for the down payment, closing costs, and reserves (the money you have left over after settlement [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Things to Know Before You Apply For A Mortgage, Part 1</title>
		<link>http://blog.sjbaxter.com/2011/04/20/5-things-to-know-before-you-apply-for-a-mortgage-part-1/</link>
		<comments>http://blog.sjbaxter.com/2011/04/20/5-things-to-know-before-you-apply-for-a-mortgage-part-1/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 02:09:33 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Mortage Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=664</guid>
		<description><![CDATA[Everyone has heard that mortgage underwriting has gotten tougher and that, as a result, it&#8217;s harder and harder to qualify for a mortgage and to get through the mortgage process.  Today, lenders scrutinize every detail of a borrower&#8217;s loan application and if you are not prepared for this extra scrutiny the experience can be frustrating and [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Buying A Condo? &#8211; You&#8217;ll Need HO-6 Insurance</title>
		<link>http://blog.sjbaxter.com/2011/04/19/buying-a-condo-youll-need-ho-6-insurance/</link>
		<comments>http://blog.sjbaxter.com/2011/04/19/buying-a-condo-youll-need-ho-6-insurance/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 03:12:19 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Condo]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[New Home Sales]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=660</guid>
		<description><![CDATA[HO-6 Insurance &#8211; what&#8217;s that?  When you purchase a condo unit, the entire project is typically covered by a &#8220;master&#8221; hazard insurance policy.  Your condo or HOA dues include your pro-rate share of the cost of this master insurance which covers the common elements, fixtures, buildings and equipment beloning to the HOA.  So, if the [...]]]></description>
		<wfw:commentRss>http://blog.sjbaxter.com/2011/04/19/buying-a-condo-youll-need-ho-6-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Want to Pay-off Your Mortgage Faster?</title>
		<link>http://blog.sjbaxter.com/2011/04/18/want-to-pay-off-your-mortgage-faster/</link>
		<comments>http://blog.sjbaxter.com/2011/04/18/want-to-pay-off-your-mortgage-faster/#comments</comments>
		<pubDate>Mon, 18 Apr 2011 14:07:34 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Mortage Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=632</guid>
		<description><![CDATA[Did you know Prosperity Mortgage can offer you and your clients many different options as to when and how they would like to pay their mortgage?
Unlike most other loan servicers, we do not charge borrowers for this service. Your buyers can save thousands of dollars over the life of their loan by using several of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>First Quarter 2011 Sussex County MLS Activity</title>
		<link>http://blog.sjbaxter.com/2011/04/16/forst-quarter-2011-sussex-county-mls-activity/</link>
		<comments>http://blog.sjbaxter.com/2011/04/16/forst-quarter-2011-sussex-county-mls-activity/#comments</comments>
		<pubDate>Sat, 16 Apr 2011 19:27:52 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Home Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[home prices]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=629</guid>
		<description><![CDATA[LOCAL MARKET ACTIVITY REPORT 2011 
First Quarter Housing STATS for Sussex County
compiled from  SCAOR MLS
Here are some of the general sales statistics fromt he Sussex County MLS and sent out recently by the Sussex County Association of Realtors.  Single Family home sales are much stronger than the 1st quarter last year in terms of both sales volume [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Settle at the End of the Month?</title>
		<link>http://blog.sjbaxter.com/2011/04/16/why-settle-at-the-end-of-the-month/</link>
		<comments>http://blog.sjbaxter.com/2011/04/16/why-settle-at-the-end-of-the-month/#comments</comments>
		<pubDate>Sat, 16 Apr 2011 15:46:16 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Mortage Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=625</guid>
		<description><![CDATA[Save Time &#38; Money by Using an Interest Credit
Many agents &#38; buyers believe it is best to settle at the end of the month in order to save buyers money on pre paid interest. As you know, the lender charges interest from the day of closing until the end of the month. The borrower does [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March Newsletters Published</title>
		<link>http://blog.sjbaxter.com/2011/03/08/march-newsletters-published/</link>
		<comments>http://blog.sjbaxter.com/2011/03/08/march-newsletters-published/#comments</comments>
		<pubDate>Wed, 09 Mar 2011 00:21:26 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=622</guid>
		<description><![CDATA[Our three (3) newsletters have been published for March.  Every month we distribute Real Estate Trends, which has short articles on the general real estate market and the economy; the Real Estate Page, which focuses on a single topic of interest to homeowners, home buyers, home sellers, and real estate professionals; and The Sales Report, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Make it More Fun to do Business with You?</title>
		<link>http://blog.sjbaxter.com/2011/02/01/can-you-make-it-more-fun-to-do-business-with-you/</link>
		<comments>http://blog.sjbaxter.com/2011/02/01/can-you-make-it-more-fun-to-do-business-with-you/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 02:06:36 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=617</guid>
		<description><![CDATA[If you could make it fun to do business with you, do you think you could attract more clients, more business, more commissions?  I do &#8211; check out this YouTube video and think about ways you can make it more fun to buy, sell, and finance real estate!

The Dreaded Stairs Video


What are you doing to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>February Newsletters Published</title>
		<link>http://blog.sjbaxter.com/2011/02/01/february-newsletters-published/</link>
		<comments>http://blog.sjbaxter.com/2011/02/01/february-newsletters-published/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 01:09:23 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Sales]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=614</guid>
		<description><![CDATA[Our three (3) monthly newsletters have been published for February.  Every month we distribute Real Estate Trends, which has short articles on the general real estate market and the economy; the Real Estate Page, which focuses on a single topic of interest to homeowners, home buyers, home sellers, and real estate professionals; and The Sales Report, [...]]]></description>
		<wfw:commentRss>http://blog.sjbaxter.com/2011/02/01/february-newsletters-published/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do You Know Me?</title>
		<link>http://blog.sjbaxter.com/2011/01/24/do-you-know-me/</link>
		<comments>http://blog.sjbaxter.com/2011/01/24/do-you-know-me/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 03:48:01 +0000</pubDate>
		<dc:creator>Jeff</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Mortage Advice]]></category>

		<guid isPermaLink="false">http://blog.sjbaxter.com/?p=611</guid>
		<description><![CDATA[You all know me as Jeff, but my legal name is Steven Jeffrey Baxter.  And, as of January 1st, that&#8217;s how the Delaware Office of the State Banking Commissioner, the Maryland Department of Labor, Licensing and Regulation, and the Nationwide Mortgage Licensing System (NMLS) knows me.  Although I haven&#8217;t answered to Steve or Steven since [...]]]></description>
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		<slash:comments>0</slash:comments>
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