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	<title>Comments on: First Time Home Buyers Get $8,000 Tax Credit After Closing &#8211; How to Come Up With Cash for the Down Payment Now</title>
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	<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/</link>
	<description>Illinois Mortgage Rates - Rants, Raves and Consumer Education from a long time Chicago, IL Home Mortgage Banker. We Lend in All 50 States.</description>
	<lastBuildDate>Sat, 20 Mar 2010 16:02:42 -0700</lastBuildDate>
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		<title>By: &#187; Illinois Mortgage Rates and News &#8211; Why is FHA the best program for most first time home buyers?</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-20102</link>
		<dc:creator>&#187; Illinois Mortgage Rates and News &#8211; Why is FHA the best program for most first time home buyers?</dc:creator>
		<pubDate>Fri, 15 Jan 2010 16:21:22 +0000</pubDate>
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		<description>[...] payment and all the cash needed to close can come from a gift – If you haven’t been able to save up a down payment, or you are close but still short, you can get all the cash you need from a gift from a relative. [...]</description>
		<content:encoded><![CDATA[<p>[...] payment and all the cash needed to close can come from a gift – If you haven’t been able to save up a down payment, or you are close but still short, you can get all the cash you need from a gift from a relative. [...]</p>
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		<title>By: me credit repair</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-18107</link>
		<dc:creator>me credit repair</dc:creator>
		<pubDate>Sat, 12 Dec 2009 01:06:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-18107</guid>
		<description>&lt;strong&gt;me credit repair...&lt;/strong&gt;

I will be coming back tomorrow!...</description>
		<content:encoded><![CDATA[<p><strong>me credit repair&#8230;</strong></p>
<p>I will be coming back tomorrow!&#8230;</p>
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		<title>By: Tina</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-15881</link>
		<dc:creator>Tina</dc:creator>
		<pubDate>Fri, 23 Oct 2009 16:09:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-15881</guid>
		<description>I was told by someone that FHA has programs they offer to help first time home buyers with out of pocket downpayment. What are the programs available.</description>
		<content:encoded><![CDATA[<p>I was told by someone that FHA has programs they offer to help first time home buyers with out of pocket downpayment. What are the programs available.</p>
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		<title>By: New Mortgage Info &#187; Blog Archive &#187; » Blog Archive Illinois Mortgage Rates and News &#8211; First Time Home &#8230;</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-12822</link>
		<dc:creator>New Mortgage Info &#187; Blog Archive &#187; » Blog Archive Illinois Mortgage Rates and News &#8211; First Time Home &#8230;</dc:creator>
		<pubDate>Sat, 01 Aug 2009 12:51:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-12822</guid>
		<description>[...] Peter Thompson wrote an interesting post today on&#194;&#187; Blog Archive &lt;b&gt;Illinois Mortgage&lt;/b&gt; Rates and News &#8211; First Time Home &lt;b&gt;&#8230;&lt;/b&gt;Here&#8217;s a quick excerpt [...]</description>
		<content:encoded><![CDATA[<p>[...] Peter Thompson wrote an interesting post today on&Acirc;&raquo; Blog Archive &lt;b&gt;Illinois Mortgage&lt;/b&gt; Rates and News &#8211; First Time Home &lt;b&gt;&#8230;&lt;/b&gt;Here&#8217;s a quick excerpt [...]</p>
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		<title>By: Lee Smith</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-12422</link>
		<dc:creator>Lee Smith</dc:creator>
		<pubDate>Tue, 21 Jul 2009 11:13:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-12422</guid>
		<description>Having to use a 401k or IRA to help buy a house is asking for double jeopardy. If a new homeowner take money from their retirement plan, what are the odds of them putting that money back. Considering when you buy a home, you have to buy furniture, make minor repairs and stretch your pay check. The odds become even harder to make up for that borrowed money.</description>
		<content:encoded><![CDATA[<p>Having to use a 401k or IRA to help buy a house is asking for double jeopardy. If a new homeowner take money from their retirement plan, what are the odds of them putting that money back. Considering when you buy a home, you have to buy furniture, make minor repairs and stretch your pay check. The odds become even harder to make up for that borrowed money.</p>
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		<title>By: Johanne</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-10863</link>
		<dc:creator>Johanne</dc:creator>
		<pubDate>Mon, 15 Jun 2009 06:08:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-10863</guid>
		<description>&quot;but they fall short when it comes to having saved up enough money for the down payment and closing costs&quot;

- I think that&#039;s the real problem. Most people have lost the value of saving cash and end up relying too much on credit instead.</description>
		<content:encoded><![CDATA[<p>&#8220;but they fall short when it comes to having saved up enough money for the down payment and closing costs&#8221;</p>
<p>- I think that&#8217;s the real problem. Most people have lost the value of saving cash and end up relying too much on credit instead.</p>
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		<title>By: Micha</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-10680</link>
		<dc:creator>Micha</dc:creator>
		<pubDate>Wed, 10 Jun 2009 11:13:32 +0000</pubDate>
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		<description>Wow, that&#039;s a lot of money-making tips! My favorite would be to get serious with one&#039;s savings. People don&#039;t realize how much they can save if they really focus on it. And it&#039;s not just for buying a home!</description>
		<content:encoded><![CDATA[<p>Wow, that&#8217;s a lot of money-making tips! My favorite would be to get serious with one&#8217;s savings. People don&#8217;t realize how much they can save if they really focus on it. And it&#8217;s not just for buying a home!</p>
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		<title>By: eRealInvestor Blog &#187; Blog Archive &#187; Coming Up With A Down-payment (without using the $8K government credit)</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-10544</link>
		<dc:creator>eRealInvestor Blog &#187; Blog Archive &#187; Coming Up With A Down-payment (without using the $8K government credit)</dc:creator>
		<pubDate>Tue, 09 Jun 2009 06:27:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-10544</guid>
		<description>[...] Click here to see the above tips in more detail.  The above tips are just that, tips, so you should speak with your tax advisor and mortgage broker before you make any financial decision. [...]</description>
		<content:encoded><![CDATA[<p>[...] Click here to see the above tips in more detail.  The above tips are just that, tips, so you should speak with your tax advisor and mortgage broker before you make any financial decision. [...]</p>
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		<title>By: Antiques Atlas</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-10530</link>
		<dc:creator>Antiques Atlas</dc:creator>
		<pubDate>Tue, 09 Jun 2009 00:02:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-10530</guid>
		<description>&lt;strong&gt;collectables...&lt;/strong&gt;

[...] There has been a lot of news lately about the    $8,000 first time home buyer tax credit   , and a lot of disappointed home buyers when the news was released that you wont be able to use the credit as part of your minimum down payment.  I get cal...</description>
		<content:encoded><![CDATA[<p><strong>collectables<br />
&#8230;</strong></p>
<p>[...] There has been a lot of news lately about the    $8,000 first time home buyer tax credit   , and a lot of disappointed home buyers when the news was released that you wont be able to use the credit as part of your minimum down payment.  I get cal&#8230;</p>
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		<title>By: Guaranteed Car Finance Now – Receive You Car Finance Now &#124; Auto Loans</title>
		<link>http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/comment-page-1/#comment-10431</link>
		<dc:creator>Guaranteed Car Finance Now – Receive You Car Finance Now &#124; Auto Loans</dc:creator>
		<pubDate>Sat, 06 Jun 2009 00:59:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.ptmortgage.com/blog/2009/06/04/first-time-home-buyers-get-8000-tax-credit-after-closing-how-to-come-up-with-cash-for-the-down-payment-now/#comment-10431</guid>
		<description>[...] » Blog Archive Illinois Mortgage Rates and News - First Time Home &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] » Blog Archive Illinois Mortgage Rates and News &#8211; First Time Home &#8230; [...]</p>
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