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	<title>Southern Maryland Real Estate &#187; Buying</title>
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	<description>Century 21 New Millennium</description>
	<lastBuildDate>Tue, 22 Nov 2011 16:01:59 +0000</lastBuildDate>
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		<title>No income limit for FHA-insured loans</title>
		<link>http://teambenya.com/no-income-limit-for-fha-insured-loans/</link>
		<comments>http://teambenya.com/no-income-limit-for-fha-insured-loans/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 12:05:18 +0000</pubDate>
		<dc:creator>TeamBenya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Financing]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=26</guid>
		<description><![CDATA[As you may know, there is no income limit for borrowers seeking FHA-insured loans. However, FHA-insured mortgages cannot exceed a maximum mortgage amount set by law. The maximum mortgage amounts allowed for FHA-insured loans are set area-by-area, and different limits are in effect for one-family, two-family, three-family, and four-family properties. Limits for high- and low-cost areas are subject to a statutory floor and ceiling. For FY2011, the maximum loan amount for a one-family home is the higher of either 125% [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Charles County SELP Funds Available Again!</title>
		<link>http://teambenya.com/charles-county-selp-funds-available-again/</link>
		<comments>http://teambenya.com/charles-county-selp-funds-available-again/#comments</comments>
		<pubDate>Tue, 26 Oct 2010 15:00:11 +0000</pubDate>
		<dc:creator>Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Buying assistance]]></category>
		<category><![CDATA[Charles County]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Selp Program]]></category>
		<category><![CDATA[SOMD]]></category>
		<category><![CDATA[Southern Maryland]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4759</guid>
		<description><![CDATA[Many people have asked me &#8220;when will the SELP program come back to Charles County?&#8221;. Well i am happy to announce the funds are back! Borrowers can now qualify to get up to $6000.00 in assistance towards the purchase of there next home. This funding is paid back when the home is sold. These funds are limited and no one knows how long these funds will last. Applications have already started coming in! Income limits for the program are $72,500.00 for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Surplus Property For Sale By Charles County Commissioners</title>
		<link>http://teambenya.com/surplus-property-for-sale-by-charles-county-commissioners/</link>
		<comments>http://teambenya.com/surplus-property-for-sale-by-charles-county-commissioners/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 16:21:02 +0000</pubDate>
		<dc:creator>Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Charles County Commissioners]]></category>
		<category><![CDATA[Land]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4671</guid>
		<description><![CDATA[Working in the Southern Maryland Real Estate Market and Working allot with land, i take note of properties for sale in the area. I was driving down Middletown Rd close to where i have listed land before and noticed this sign. Now i know the Charles County Commissioners own allot of land in Charles County, But i didn&#8217;t know they had a surplus! A surplus is great in this county and a sign like this in the Targeted Development District [...]]]></description>
		<wfw:commentRss>http://teambenya.com/surplus-property-for-sale-by-charles-county-commissioners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Your Next Home Will Be Bought or Sold Online!</title>
		<link>http://teambenya.com/your-next-home-will-be-bought-or-sold-online/</link>
		<comments>http://teambenya.com/your-next-home-will-be-bought-or-sold-online/#comments</comments>
		<pubDate>Wed, 16 Apr 2008 16:17:10 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Online Marketing]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4583</guid>
		<description><![CDATA[It&#8217;s true!  I&#8217;m not talking about a few clicks of the mouse to sign the settlement papers (not yet, anyways), but the home buying process has become less about flipping through the newspaper and driving around to open houses, and more about surfing the net to see what&#8217;s available instead. Even as a Realtor, it can seem overwhelming to post home information to all of the different home search sites available out there.  Which site do you use, Realtor.com?  Trulia?  Zillow? Hotpads?  Kajiji?  Craigslist?? In the land [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Charles County Perc Season 2008 is open!</title>
		<link>http://teambenya.com/charles-county-perc-season-2008-is-open/</link>
		<comments>http://teambenya.com/charles-county-perc-season-2008-is-open/#comments</comments>
		<pubDate>Tue, 01 Apr 2008 15:52:25 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Perk]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4488</guid>
		<description><![CDATA[As of 9am this morning, the county health department has announced that perc season is officially open.  They don&#8217;t anticipate that it will be open for long, however, so if you&#8217;re scheduled to get a perc done this year, make sure you find out when you can get your testing done!  If you&#8217;ve got any questions, give me a call!]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Buyers Are Still Holding All The Aces</title>
		<link>http://teambenya.com/buyers-are-still-holding-all-the-aces/</link>
		<comments>http://teambenya.com/buyers-are-still-holding-all-the-aces/#comments</comments>
		<pubDate>Fri, 21 Mar 2008 16:03:30 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Market]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4502</guid>
		<description><![CDATA[Trying to decipher the current real estate market can be monumental task!  It&#8217;s not just about the market reports, it&#8217;s about you as an individual.  Who&#8217;s side are you on?  Are you a seller trying to beat the market, or a buyer looking to cash in on a golden opportunity? Today I&#8217;m here to talk about buyers.  Markets have shifted in their favor, and what&#8217;s important to consider is just how much power and flexibility a buyer can actually have.  There&#8217;s 3 key factors to consider [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>KB Homes Pulls out of Charles County</title>
		<link>http://teambenya.com/kb-homes-pulls-out-of-charles-county/</link>
		<comments>http://teambenya.com/kb-homes-pulls-out-of-charles-county/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 16:00:39 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[KB Homes]]></category>
		<category><![CDATA[new construction]]></category>
		<category><![CDATA[SOMD]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4498</guid>
		<description><![CDATA[Actually, KB Homes has pulled out of Charles County and the entire Mid-Atlantic Region, it seems.  In addition to MD, DC, and Virginia, they have also shuttered operations in Chicago, IL, and Albuquerque as well.  This is in addition to a previous announcement that they have decided to cease operations in California. What does this mean for people with KB contracts?  They said they are finishing construction of lots that are being built, but they are not accepting new contracts, or [...]]]></description>
		<wfw:commentRss>http://teambenya.com/kb-homes-pulls-out-of-charles-county/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Charles County Perc Testing 2008</title>
		<link>http://teambenya.com/charles-county-perc-testing-2008/</link>
		<comments>http://teambenya.com/charles-county-perc-testing-2008/#comments</comments>
		<pubDate>Wed, 05 Mar 2008 15:53:12 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Perk]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4490</guid>
		<description><![CDATA[I&#8217;ve had a lot of people asking about the perc season this year.  It&#8217;s been incredibly delayed, largely due to the low water tables that the Charles County is experiencing.  I am hoping to have word on if there will be a perc season by 5pm this afternoon, and I will post the info as soon as I hear!]]></description>
		<wfw:commentRss>http://teambenya.com/charles-county-perc-testing-2008/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Charles County Foreclosure Update March 2008</title>
		<link>http://teambenya.com/charles-county-foreclosure-update-march-2008/</link>
		<comments>http://teambenya.com/charles-county-foreclosure-update-march-2008/#comments</comments>
		<pubDate>Sat, 01 Mar 2008 15:48:30 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Forclosure]]></category>
		<category><![CDATA[Market]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4482</guid>
		<description><![CDATA[I&#8217;m seeing more and more foreclosures, and none of the government assistance programs seem to be helping stem the tide of foreclosures that we&#8217;re currently seeing. Do Foreclosures Affect My Home&#8217;s Value? In Charles County in the last 60 days, there have been 12 foreclosures that have been sold, and a total of 135 (resale AND REO) homes listed and sold.  This means that foreclosures make up almost 9% of the total market in terms of sales. A lot of homeowners have been wondering how much of [...]]]></description>
		<wfw:commentRss>http://teambenya.com/charles-county-foreclosure-update-march-2008/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Score Defined for you</title>
		<link>http://teambenya.com/credit-score-defined-for-you/</link>
		<comments>http://teambenya.com/credit-score-defined-for-you/#comments</comments>
		<pubDate>Thu, 28 Feb 2008 15:43:56 +0000</pubDate>
		<dc:creator>Jon Benya Former Member of Century 21 New Millennium Team Benya</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[credit]]></category>

		<guid isPermaLink="false">http://teambenya.com/?p=4473</guid>
		<description><![CDATA[Everyone&#8217;s at least heard of a credit score, but for a lot of folks the concept seems to be confusing (let&#8217;s face it, it IS confusing), but a basic understanding of what is being computed can go a long way in trying to ensure that you maintain a happy, healthy credit report! What Is It? The truth is, if you&#8217;re not a finance expert credit scores can seem very complex, so don&#8217;t feel bad!  Essentially, a credit score is a [...]]]></description>
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