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	<title>Harrisburg Real Estate Weblog &#187; Financing</title>
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	<link>http://tomblefko.com</link>
	<description>The ramblings of a real estate veteran.</description>
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		<title>Harrisburg Real Estate Weblog &#187; Financing</title>
		<link>http://tomblefko.com</link>
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		<item>
		<title>The Dawn of the New Normal</title>
		<link>http://tomblefko.com/2011/10/07/the-dawn-of-the-new-normal/</link>
		<comments>http://tomblefko.com/2011/10/07/the-dawn-of-the-new-normal/#comments</comments>
		<pubDate>Fri, 07 Oct 2011 11:06:33 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[Demographics]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Generation Y]]></category>
		<category><![CDATA[Immigrants]]></category>
		<category><![CDATA[National Housing Survey]]></category>
		<category><![CDATA[RealtyTrac]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Transaction Management]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2691</guid>
		<description><![CDATA[Five trends that will dominate our industry like none before and will bring new opportunities and financial rewards to REALTORS® who are prepared to meet the challenges.

<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2691&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<item>
		<title>Spring Advertising Campaign Set to Kick-Off</title>
		<link>http://tomblefko.com/2011/03/06/spring-advertising-campaign-set-to-kick-off/</link>
		<comments>http://tomblefko.com/2011/03/06/spring-advertising-campaign-set-to-kick-off/#comments</comments>
		<pubDate>Sun, 06 Mar 2011 13:47:00 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Advertising]]></category>
		<category><![CDATA[Comcast]]></category>
		<category><![CDATA[Fox 43]]></category>
		<category><![CDATA[Media]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>
		<category><![CDATA[Viamedia]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Web Sites]]></category>
		<category><![CDATA[WGAL]]></category>
		<category><![CDATA[WHP 21]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2448</guid>
		<description><![CDATA[Real people with a real message!  That's the theme of these three television commercials that are starting to run on WGAL, Fox 43, WHP 21, Comcast and Viamedia.  They will run through the Spring buying season and end during the latter part of May.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2448&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Hidden Benefits of Refinancing Your Mortgage</title>
		<link>http://tomblefko.com/2011/01/18/hidden-benefits-of-refinancing-your-mortgage/</link>
		<comments>http://tomblefko.com/2011/01/18/hidden-benefits-of-refinancing-your-mortgage/#comments</comments>
		<pubDate>Tue, 18 Jan 2011 11:18:59 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Adjustable Rate Mortgage]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Holiday]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Spouse]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2343</guid>
		<description><![CDATA[Lowering your mortgage rate is only one reason why people should consider refinancing their present mortgage.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2343&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">How much cash is in your home?</media:title>
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	</item>
		<item>
		<title>The Difference Between Short Sales, Foreclosures and REO&#8217;s</title>
		<link>http://tomblefko.com/2010/09/08/the-difference-between-short-sales-foreclosures-and-reos/</link>
		<comments>http://tomblefko.com/2010/09/08/the-difference-between-short-sales-foreclosures-and-reos/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 11:00:26 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Property Values]]></category>
		<category><![CDATA[REO's]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Spencer Rascoff]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Zillow]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2284</guid>
		<description><![CDATA[Practitioners in the real estate industry sometimes throw around acronyms and terminology that we understand, but in many cases our clients do not.  This post explains the differences between short sales, foreclosures and REO's.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2284&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://tomblefko.com/2010/09/08/the-difference-between-short-sales-foreclosures-and-reos/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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	</item>
		<item>
		<title>Five Tips for Deciphering Your Home Loan&#8217;s Good-Faith Estimate</title>
		<link>http://tomblefko.com/2010/09/06/five-tips-for-deciphering-your-home-loans-good-faith-estimate/</link>
		<comments>http://tomblefko.com/2010/09/06/five-tips-for-deciphering-your-home-loans-good-faith-estimate/#comments</comments>
		<pubDate>Mon, 06 Sep 2010 19:13:58 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[G. M. Filisko]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[HouseLogic.com]]></category>
		<category><![CDATA[HUD-1 Settlement Statement]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Web Sites]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2267</guid>
		<description><![CDATA[When you're shopping for a mortgage loan, it's sometimes hard to understand the jargon lenders use in the good-faith estimate when explaining the costs and fees you'll pay when taking out a mortgage.  Here are five tips for using the new three-page form to your advantage.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2267&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">tblefko</media:title>
		</media:content>

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			<media:title type="html">Mortgages under the magnifying glass</media:title>
		</media:content>
	</item>
		<item>
		<title>What&#8217;s Really Happening in the Real Estate Market?</title>
		<link>http://tomblefko.com/2010/09/02/whats-really-happening-in-the-real-estate-market/</link>
		<comments>http://tomblefko.com/2010/09/02/whats-really-happening-in-the-real-estate-market/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 11:02:47 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Agents]]></category>
		<category><![CDATA[Charts]]></category>
		<category><![CDATA[Media]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Property Values]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Reports]]></category>
		<category><![CDATA[Slideshow]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2261</guid>
		<description><![CDATA[The National Association of REALTORS just published a slideshow on the state of the real estate market in these uncertain times. No fluff or unsubstantiated wild statements.  Just facts!
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2261&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://tomblefko.com/2010/09/02/whats-really-happening-in-the-real-estate-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">tblefko</media:title>
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	</item>
		<item>
		<title>A Primer for the Homebuyer Tax Credit Extension</title>
		<link>http://tomblefko.com/2009/11/06/a-primer-for-the-homebuyer-tax-credit-extension/</link>
		<comments>http://tomblefko.com/2009/11/06/a-primer-for-the-homebuyer-tax-credit-extension/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 11:44:56 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Lancaster County Association of REALTORS]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[Tax credit]]></category>
		<category><![CDATA[U.S. Housing Market]]></category>
		<category><![CDATA[United States Senate]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2019</guid>
		<description><![CDATA[The Lancaster County Association of REALTORS® Government Affairs Department, headed up by Frank Christoffel, IV, passed this Q&#38;A along regarding the latest information on the potential extension of the homebuyer tax credit which includes an existing homebuyer credit that was not part of the first bill.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=2019&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://tomblefko.com/2009/11/06/a-primer-for-the-homebuyer-tax-credit-extension/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">tblefko</media:title>
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		<item>
		<title>New Home Valuation Code of Conduct (HVCC) is a Quagmire</title>
		<link>http://tomblefko.com/2009/07/12/new-home-valuation-code-of-conduct-hvcc-is-a-quagmire/</link>
		<comments>http://tomblefko.com/2009/07/12/new-home-valuation-code-of-conduct-hvcc-is-a-quagmire/#comments</comments>
		<pubDate>Sun, 12 Jul 2009 12:21:06 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraiser]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Property Values]]></category>
		<category><![CDATA[Reports]]></category>
		<category><![CDATA[Statistics]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=1324</guid>
		<description><![CDATA[The real estate industry has been operating under the new HVCC guidelines for a couple of weeks now and we are beginning to see the ugly results of this misguided set of government regulations.  In a preliminary report issued this past week by the National Association of REALTORS® (NAR), it finds that the HVCC is having an adverse impact on housing markets.

<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&#038;blog=5527531&#038;post=1324&#038;subd=tomblefko&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">What a mess!</media:title>
		</media:content>

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