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	<title>New Hampshire Real Estate Blog &#187; Home Buyer tips</title>
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	<description>Real estate sales and community information covering New Hampshire</description>
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		<title>Buying a Southern NH or Seacoast Area Home &#124; Creating Memories</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/buying-a-southern-nh-or-seacoast-area-home-creating-memories/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/buying-a-southern-nh-or-seacoast-area-home-creating-memories/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:48:59 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Best realtors Jay and Monika]]></category>
		<category><![CDATA[hampstead]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy NH REALTORS]]></category>
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		<category><![CDATA[NH Real Estate]]></category>
		<category><![CDATA[Nh real estate pros]]></category>
		<category><![CDATA[NH Seacoast Realtors Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[Prudential Verani]]></category>
		<category><![CDATA[seacoast NH real estate for sale]]></category>
		<category><![CDATA[Seacoast NH Realtors Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[southern nh real estate]]></category>
		<category><![CDATA[Southern NH real estate professionals]]></category>

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		<description><![CDATA[Creating Memories and a lifestyle Buying a Southern NH and Seacoast Area home is more than just buying a home, you&#8217;re buying a lifestyle and creating treasured memories for you and your loved ones. We understand how important those treasured memories are, the kind that puts a smile on your face when you think of [...]]]></description>
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		<title>Southern NH and the Seacoast Area home buying tips &#124; Trust</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/southern-nh-and-the-seacoast-area-home-buying-tips-trust/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/southern-nh-and-the-seacoast-area-home-buying-tips-trust/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 17:23:57 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Jay and Monika McGillicuddu]]></category>
		<category><![CDATA[NH Real Estate]]></category>
		<category><![CDATA[NH Realtors Jay and Monika]]></category>
		<category><![CDATA[representation]]></category>
		<category><![CDATA[Seacoast Area homes for sale]]></category>
		<category><![CDATA[Southern NH homes for sale]]></category>
		<category><![CDATA[Trust]]></category>
		<category><![CDATA[Trusting your real estate agent]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7241</guid>
		<description><![CDATA[Trusting your Southern NH and Seacoast area Real Estate Agent The Value of working with a REALTOR that you trust is priceless.  The home buying process can be confusing and complex, trusting the realtor you are working with is extremely important and if you feel uncomfortable with that agent you really should be looking for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Southern NH and the Seacoast Area home buying tips &#124; Buyers Remorse</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/southern-nh-and-the-seacoast-area-home-buying-tips-buyers-remorse/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/southern-nh-and-the-seacoast-area-home-buying-tips-buyers-remorse/#comments</comments>
		<pubDate>Sun, 15 Jan 2012 14:56:22 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Buyers Remorse]]></category>
		<category><![CDATA[Buyers Remorse Video]]></category>
		<category><![CDATA[Coastal NH]]></category>
		<category><![CDATA[home buying process]]></category>
		<category><![CDATA[Home Buying Tips]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy NH REALTORS]]></category>
		<category><![CDATA[seacoast area]]></category>
		<category><![CDATA[southern nh real estate]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7217</guid>
		<description><![CDATA[Buyers Remorse when buying a Southern NH and the Seacoast area home Buying a southern New Hampshire and the Seacoast area home&#8230; don&#8217;t let buyers remorse stand in your way.  First of all understand that feeling a little bit of anxiety is normal when making what is often the biggest buying decision of your life. [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Mortgage Info &#124; What is a Point? &#124; Tammy Verani explains</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-info-what-is-a-point-tammy-verani-explains/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-info-what-is-a-point-tammy-verani-explains/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 12:43:32 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage Points]]></category>
		<category><![CDATA[NH Home Loan information]]></category>
		<category><![CDATA[prudential verani realty]]></category>
		<category><![CDATA[Tammy Verani]]></category>
		<category><![CDATA[What is a point]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7205</guid>
		<description><![CDATA[What is a point What exactly is a point? We all know that a point is 1% of your  loan amount but did you know there are two kinds of points and what they mean to you? We have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Mortgage Application Process &#124; Tammy Verani explains the steps involved</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-application-process-tammy-verani-explains-the-steps-involved/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-application-process-tammy-verani-explains-the-steps-involved/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 17:12:12 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[monika mcgillicuddy]]></category>
		<category><![CDATA[Mortgage Application Process]]></category>
		<category><![CDATA[NH Home Sales]]></category>
		<category><![CDATA[NH REALTORS]]></category>
		<category><![CDATA[prudential verani realty]]></category>
		<category><![CDATA[Tammy Verani]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7097</guid>
		<description><![CDATA[Mortgage Application Process &#124; Tammy Verani explains the steps involved We have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the third video in the series.  To watch the first video that Tammy did discussing the pre-approval process please [...]]]></description>
		<wfw:commentRss>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-application-process-tammy-verani-explains-the-steps-involved/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Mortgage Broker &#124; Banker or Lender &#124; What&#8217;s the difference</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-broker-banker-or-lender-whats-the-difference/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-broker-banker-or-lender-whats-the-difference/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:05:30 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Jay McGillicuddy]]></category>
		<category><![CDATA[monika mcgillicuddy]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[Mortgage Broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[prudential verani realty]]></category>
		<category><![CDATA[RMS Mortgage Services]]></category>
		<category><![CDATA[Tammy Verani]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7084</guid>
		<description><![CDATA[Mortgage Broker &#124; Banker or Lender &#124; What&#8217;s the difference I have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the second video in the series.  To watch the first video that Tammy did discussing the pre-approval process please [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Seabrook Beach New Hampshire</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/seabrook-beach-new-hampshire/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/seabrook-beach-new-hampshire/#comments</comments>
		<pubDate>Sat, 31 Dec 2011 15:00:46 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Special Places]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy NH REALTORS]]></category>
		<category><![CDATA[NH Real Estate]]></category>
		<category><![CDATA[NH Real Estate Blogs]]></category>
		<category><![CDATA[NH Seabrook Beach]]></category>
		<category><![CDATA[Seabrook Beach]]></category>
		<category><![CDATA[Seabrook Harbor]]></category>
		<category><![CDATA[Seabrook NH]]></category>
		<category><![CDATA[Seabrook real estate for sale]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7073</guid>
		<description><![CDATA[Seabrook Beach The other day after leaving Prudential Verani Realty&#8217;s Hampton office, I decided to stop at Seabrook Beach and Harbor.  I love how pretty the beach is and could just walk there for hours in low tide. It was pretty cold out so this video is very brief. Seabrook New Hampshire borders the state [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Mortgage Pre Qualification Tammy Verani explains why it&#8217;s important</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-pre-qualification-tammy-verani-explains-why-its-important/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/mortgage-pre-qualification-tammy-verani-explains-why-its-important/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 15:16:45 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[home buying process]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Monika McGillicuddy REALTOR]]></category>
		<category><![CDATA[mortgage tips]]></category>
		<category><![CDATA[Pre Qualification]]></category>
		<category><![CDATA[pre-qualified]]></category>
		<category><![CDATA[RMS]]></category>
		<category><![CDATA[Tammy Verani]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7047</guid>
		<description><![CDATA[Pre-Qualification &#8211; Tammy Verani explains why it&#8217;s important As a NH REALTOR it&#8217;s important for us to know whether or not a home buyer is pre-qualified or per-approved for a mortgage loan before we start looking at homes for a few good reasons. Guessing equals a waste of time and money 1.   If you [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Southern New Hampshire &amp; The Seacoast Area Homes for sale</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/southern-new-hampshire-the-seacoast-area-homes-for-sale/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/southern-new-hampshire-the-seacoast-area-homes-for-sale/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 15:24:59 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy NH REALTORS]]></category>
		<category><![CDATA[NH homes for sale]]></category>
		<category><![CDATA[NH REALTORS]]></category>
		<category><![CDATA[Prudential Verani Hampton NH]]></category>
		<category><![CDATA[prudential verani realty]]></category>
		<category><![CDATA[Seacoast Area homes for sale]]></category>
		<category><![CDATA[Southern NH REALTORS]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=7033</guid>
		<description><![CDATA[Southern New Hampshire &#38; The Seacoast Area Homes for sale Knowing  your wants, needs and desires when searching for a southern New Hampshire or Seacoast area home is ever so important.  It&#8217;s important to prioritize your wants, needs and desires before you even start searching for a home and then once you do start, that [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>NH Real Estate ~ What&#8217;s the difference between Client and Customer</title>
		<link>http://monikamcgillicuddy.com/wordpress/general-r/nh-real-estate-whats-the-difference-between-client-and-customer/</link>
		<comments>http://monikamcgillicuddy.com/wordpress/general-r/nh-real-estate-whats-the-difference-between-client-and-customer/#comments</comments>
		<pubDate>Sun, 02 Oct 2011 13:30:16 +0000</pubDate>
		<dc:creator>Monika McGillicuddy</dc:creator>
				<category><![CDATA[General R.E. Information]]></category>
		<category><![CDATA[Home Buyer tips]]></category>
		<category><![CDATA[Home Seller tips]]></category>
		<category><![CDATA[Buyer agent]]></category>
		<category><![CDATA[Client]]></category>
		<category><![CDATA[Customer]]></category>
		<category><![CDATA[Jay and Monika McGillicuddy]]></category>
		<category><![CDATA[NH Real Estate]]></category>
		<category><![CDATA[NH REALTORS]]></category>
		<category><![CDATA[Seacoast NH]]></category>
		<category><![CDATA[southern nh real estate]]></category>

		<guid isPermaLink="false">http://monikamcgillicuddy.com/wordpress/?p=6006</guid>
		<description><![CDATA[What&#8217;s the difference between Client and Customer We often get asked questions on the blog and lately we&#8217;ve had a few folks ask what the difference is between a client and a customer when it comes to New Hampshire real estate.  Simply put it comes down to representation&#8230; do you want or need someone to [...]]]></description>
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		<slash:comments>2</slash:comments>
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