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	<title>Gary N Smith.net</title>
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	<link>http://garynsmith.net</link>
	<description>Home Inspections &#124; Energy Ratings &#124; Construction Consulting &#124; Serving Central MS since 1974 &#124; 601.691.1496</description>
	<lastBuildDate>Sun, 29 Apr 2012 13:23:53 +0000</lastBuildDate>
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		<title>Remodeling at the Speed of Trust</title>
		<link>http://garynsmith.net/remodeling-at-the-speed-of-trust/</link>
		<comments>http://garynsmith.net/remodeling-at-the-speed-of-trust/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 12:44:35 +0000</pubDate>
		<dc:creator>MikeOtto</dc:creator>
				<category><![CDATA[203K Consulting]]></category>
		<category><![CDATA[203K Contracting]]></category>
		<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[203K Support]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[203K]]></category>
		<category><![CDATA[Contractor]]></category>
		<category><![CDATA[remodel]]></category>
		<category><![CDATA[trust]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1608</guid>
		<description><![CDATA[Last week, for the fun of it, I Googled how to hire a contractor. I discovered a couple of fascinating facts. “How to hire a contractor” comes directly between “How to hire a bill collector” and “How to hire a hit man”, and Kim Kardashian is only Googled three times more than “How to hire a contractor”]]></description>
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		<slash:comments>0</slash:comments>
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		<title>‘Rehab’ Loans to the Rescue</title>
		<link>http://garynsmith.net/rehab-loans-to-the-rescue/</link>
		<comments>http://garynsmith.net/rehab-loans-to-the-rescue/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 13:36:45 +0000</pubDate>
		<dc:creator>Gary Smith</dc:creator>
				<category><![CDATA[203K Consulting]]></category>
		<category><![CDATA[203K Contracting]]></category>
		<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[203K Support]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Home Inspection]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Loan]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1599</guid>
		<description><![CDATA[In the end it was another loan that came to the Mercados’ rescue: the Federal Housing Administration’s 203(k), also known as the F.H.A. rehab loan, which is designed to cover not only buying the home but also renovating it, and is then paid back like a regular mortgage. A hybrid that has been around for more than 30 years, the loan program has recently surged in popularity.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>THE HILL Reports Housing Initiative &#8211; Project Rebuild</title>
		<link>http://garynsmith.net/the-hill-reports-housing-initiative-project-rebuild/</link>
		<comments>http://garynsmith.net/the-hill-reports-housing-initiative-project-rebuild/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 00:57:44 +0000</pubDate>
		<dc:creator>Gary Smith</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investor]]></category>
		<category><![CDATA[Misc Category]]></category>
		<category><![CDATA[Remodeling]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1587</guid>
		<description><![CDATA[Sen. Jack Reed (D-R.I.) introduced the measure that expands the Neighborhood Stabilization Plan, and would offer $15 billion in grants for fixing up residential and commercial properties left vacant following foreclosure. It would also increase support for land banks, which work with communities to buy, hold and redevelop distressed properties as part of a long-term redevelopment strategy.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Real March Madness: House Hunting with First Time Home Buyers</title>
		<link>http://garynsmith.net/the-real-march-madness-house-hunting-with-first-time-home-buyers/</link>
		<comments>http://garynsmith.net/the-real-march-madness-house-hunting-with-first-time-home-buyers/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 13:57:55 +0000</pubDate>
		<dc:creator>DMoyle</dc:creator>
				<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[203K Support]]></category>
		<category><![CDATA[First Time Homeowner]]></category>
		<category><![CDATA[Marketing the K Loan]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[Sales and Marketing]]></category>
		<category><![CDATA[203K Lender]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Spring]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1576</guid>
		<description><![CDATA[Imagine the scenario: you head out on a beautiful spring Saturday afternoon, driving around neighborhoods looking for the tell-tale signs of homes for sale. After a few "that's a nice house" reactions you come across a home that just seems to speak to you. The porch is perfect. The windows invite you to come up and take a look. The yard is already looking great. And the garage is just right for your car. This is the dream "first home" you've been wanting. So far, so good.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Short Sale Negotiations &#124; Seller Cash Contribution</title>
		<link>http://garynsmith.net/short-sale-negotiations-seller-cash-contribution/</link>
		<comments>http://garynsmith.net/short-sale-negotiations-seller-cash-contribution/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 01:05:55 +0000</pubDate>
		<dc:creator>Bill Gassett</dc:creator>
				<category><![CDATA[Agent]]></category>
		<category><![CDATA[First Time Homeowner]]></category>
		<category><![CDATA[Good Advice]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[New Construction]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[Sales and Marketing]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Lender]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[MA]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1566</guid>
		<description><![CDATA[In working in the short sale arena for the last five plus years, I have seen lenders do just about everything when it comes to negotiating short sales with home owners. There really is no “standard” in short sales. The way one short sale file at one particular lender is handled can be totally different on the next. One of the biggest reasons for this is... ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Top 3 Things to Consider When Hiring a Contractor</title>
		<link>http://garynsmith.net/top-3-things-to-consider-when-hiring-a-contractor/</link>
		<comments>http://garynsmith.net/top-3-things-to-consider-when-hiring-a-contractor/#comments</comments>
		<pubDate>Sun, 04 Mar 2012 14:59:26 +0000</pubDate>
		<dc:creator>Gary Smith</dc:creator>
				<category><![CDATA[203K Consulting]]></category>
		<category><![CDATA[203K Contracting]]></category>
		<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[Addtions]]></category>
		<category><![CDATA[Bathroom]]></category>
		<category><![CDATA[First Time Homeowner]]></category>
		<category><![CDATA[Flipped Homes]]></category>
		<category><![CDATA[Handyman]]></category>
		<category><![CDATA[Home Safety]]></category>
		<category><![CDATA[Marketing the K Loan]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[Warranty]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1549</guid>
		<description><![CDATA[First and foremost, clear communication is paramount. If you know what you want the contractor to do for you and can clearly relate that need,  your contractor is less likely to misunderstand those instructions. Cost overruns almost always start with poor communication. Step #1 starts with You! Write it down.]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Golden Rule &#8211; Reciprocate</title>
		<link>http://garynsmith.net/the-golden-rule-reciprocate/</link>
		<comments>http://garynsmith.net/the-golden-rule-reciprocate/#comments</comments>
		<pubDate>Sat, 03 Mar 2012 19:40:02 +0000</pubDate>
		<dc:creator>Gary Smith</dc:creator>
				<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Good Advice]]></category>
		<category><![CDATA[Sales and Marketing]]></category>
		<category><![CDATA[Favor]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Reciprocate]]></category>
		<category><![CDATA[Word of Mouth]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1539</guid>
		<description><![CDATA[Reciprocity: in-kind, whether positive or negative, responses for the actions of others. Or...as mentioned in "The Golden Rule", one should treat others as one would like others to treat oneself.  But, do you "expect" something from others when you offer a favor? For me, reciprocity is centered more on "trading" favors than making a negotiation or a contract with another person. Because there is a sense of future obligation with reciprocity it can help to develop and continue relationships with people. I think that's why "Word of Mouth" advertising is still one of the most effective tools in your Marketing Handbag. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Remodeling a Foreclosure? Inspect It First {Listen to This Podcast}</title>
		<link>http://garynsmith.net/ashi-podcast/</link>
		<comments>http://garynsmith.net/ashi-podcast/#comments</comments>
		<pubDate>Thu, 01 Mar 2012 16:20:40 +0000</pubDate>
		<dc:creator>Gary Smith</dc:creator>
				<category><![CDATA[Home Inspection]]></category>
		<category><![CDATA[Home Inspection Q & A]]></category>
		<category><![CDATA[Home Safety]]></category>
		<category><![CDATA[Misc Category]]></category>
		<category><![CDATA[Podcasts]]></category>
		<category><![CDATA[ASHI]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Inspection]]></category>
		<category><![CDATA[Podcast]]></category>
		<category><![CDATA[Rehab]]></category>
		<category><![CDATA[remodel]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1522</guid>
		<description><![CDATA[Podcast by ASHI - Inspect that foreclosure! ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>3 Reasons to Leap into the Housing Market this Spring</title>
		<link>http://garynsmith.net/3-reasons-to-leap-into-the-housing-market-this-spring/</link>
		<comments>http://garynsmith.net/3-reasons-to-leap-into-the-housing-market-this-spring/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 14:25:24 +0000</pubDate>
		<dc:creator>DMoyle</dc:creator>
				<category><![CDATA[203K Consulting]]></category>
		<category><![CDATA[203K Contracting]]></category>
		<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[203K Support]]></category>
		<category><![CDATA[Marketing the K Loan]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Leap Year]]></category>
		<category><![CDATA[Rehab]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1517</guid>
		<description><![CDATA[Happy Leap Day! It only happens once every 4 years - how will you take advantage of the extra day? We're looking at all the ways we can share a little more information with home buyers today, because we're seeing all kinds of good news on the housing market. Low prices, low interest rates and great mortgage programs all point to one thing: it's a buyer's market.]]></description>
		<wfw:commentRss>http://garynsmith.net/3-reasons-to-leap-into-the-housing-market-this-spring/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>To Realtor &#8211; The Right Way to Get Your 203K Estimate</title>
		<link>http://garynsmith.net/to-realtor-the-right-way-to-get-your-203k-estimate/</link>
		<comments>http://garynsmith.net/to-realtor-the-right-way-to-get-your-203k-estimate/#comments</comments>
		<pubDate>Tue, 28 Feb 2012 19:07:13 +0000</pubDate>
		<dc:creator>MikeOtto</dc:creator>
				<category><![CDATA[203K Consulting]]></category>
		<category><![CDATA[203K Contracting]]></category>
		<category><![CDATA[203K Lenders]]></category>
		<category><![CDATA[Good Advice]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Remodeling]]></category>

		<guid isPermaLink="false">http://garynsmith.net/?p=1507</guid>
		<description><![CDATA[This past week, I had three conversations with Realtors who had buyers who were looking at foreclosed or short-sale homes. They were considering using the FHA 203K program.  All three Realtors wanted a bid so they would know how much to offer on the house.

Many Realtors think this is where the 203K process starts. If you are one of them, don’t feel bad – you are not alone. Intuitively, it makes sense.]]></description>
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		<slash:comments>1</slash:comments>
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