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	<title>Northern Virginia Real Estate Blog by Vivianne Rutkowski, REALTOR</title>
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	<description>Real Estate Representation for Home Buyers and Sellers in Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County VA --- WEBSITE:www.cbmove.com/Vivianne.Rutkowski  WEBSITE:www.RealtorVivianneRutkowski.com  WEBSITE:www.RealEstateWithViv.com  DIRECT: 1-540-229-5429</description>
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		<title>Northern Virginia Real Estate Blog by Vivianne Rutkowski, REALTOR</title>
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		<item>
		<title>Home Mortgage Requirements for Retirees &#8211; Home Buying in Northern Virginia, Fairfax County, Loudoun County, Prince William County</title>
		<link>http://viviannerutkowski.wordpress.com/2013/05/07/home-mortgage-requirements-for-retirees-home-buying-in-northern-virginia-fairfax-county-loudoun-county-prince-william-county/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/05/07/home-mortgage-requirements-for-retirees-home-buying-in-northern-virginia-fairfax-county-loudoun-county-prince-william-county/#comments</comments>
		<pubDate>Wed, 08 May 2013 01:00:08 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HOME FINANCING]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[Home buying in Fairfax County Virginia]]></category>
		<category><![CDATA[Home buying in Loudoun County Virginia]]></category>
		<category><![CDATA[Home buying in Northern Virginia]]></category>
		<category><![CDATA[Home buying in Prince William County Virginia]]></category>
		<category><![CDATA[Home Mortgage for retirees]]></category>
		<category><![CDATA[Home Mortgage requirements for retirees]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20950</guid>
		<description><![CDATA[More and more retirees looking to obtain a home loan may find that solid retirement accounts and a sterling credit rating are not enough. Lenders increasingly are looking for a consistent monthly income in line with their usual debt-to-income standards. When they look at dividends, most lenders want to see a regular annual amount on [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20950&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/05/07/home-mortgage-requirements-for-retirees-home-buying-in-northern-virginia-fairfax-county-loudoun-county-prince-william-county/feed/</wfw:commentRss>
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			<media:title type="html">ViviAnne</media:title>
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		<item>
		<title>Fannie Mae and Freddie Mac to purchase only loans that meet new “qualified mortgage” requirements starting January 2014 &#8211; Financing Homes in Northern Virginia, Fairfax County, Loudoun County, Prince William County, Arlington County</title>
		<link>http://viviannerutkowski.wordpress.com/2013/05/07/fannie-mae-and-freddie-mac-to-purchase-only-loans-that-meet-new-qualified-mortgage-requirements-starting-january-2014-financing-homes-in-northern-virginia-fairfax-county-loudoun/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/05/07/fannie-mae-and-freddie-mac-to-purchase-only-loans-that-meet-new-qualified-mortgage-requirements-starting-january-2014-financing-homes-in-northern-virginia-fairfax-county-loudoun/#comments</comments>
		<pubDate>Wed, 08 May 2013 00:37:54 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HOME FINANCING]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[Financing Homes in Fairfax County Virginia]]></category>
		<category><![CDATA[Financing Homes in Loudoun County Virginia]]></category>
		<category><![CDATA[Financing Homes in Northern Virginia]]></category>
		<category><![CDATA[Financing Homes in Prince William County Virginia]]></category>
		<category><![CDATA[Qualified mortgages Fannie Mae Freddie Mac]]></category>
		<category><![CDATA[Qualified mortgages January 2014]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20944</guid>
		<description><![CDATA[Mortgage giants Fannie Mae and Freddie Mac will begin next year to  purchase only loans that meet new “qualified mortgage” requirements, the Federal Housing Finance Agency announced May 6, 2013. In January 2013, the Consumer Financial Protection Bureau finalized new rules that would require lenders to verify borrowers’ ability to repay their loans. It capped [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20944&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/05/07/fannie-mae-and-freddie-mac-to-purchase-only-loans-that-meet-new-qualified-mortgage-requirements-starting-january-2014-financing-homes-in-northern-virginia-fairfax-county-loudoun/feed/</wfw:commentRss>
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			<media:title type="html">ViviAnne</media:title>
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		<item>
		<title>US Homeownership Rate at 65 percent in the First Quarter in 2013 according to US Census Bureau</title>
		<link>http://viviannerutkowski.wordpress.com/2013/05/01/us-homeownership-rate-at-65-percent-in-the-first-quarter-in-2013-according-to-us-census-bureau/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/05/01/us-homeownership-rate-at-65-percent-in-the-first-quarter-in-2013-according-to-us-census-bureau/#comments</comments>
		<pubDate>Thu, 02 May 2013 03:03:03 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[US Census Bureau homeownership 2013]]></category>
		<category><![CDATA[US homeownership rate in 2013]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20938</guid>
		<description><![CDATA[The U.S. home ownership rate has fallen to its lowest point since 1995, the Census Bureau reported in April 2013. The home ownership rate dropped to 65 percent in the first quarter of 2013, down slightly from 65.4 percent a year earlier. Housing analysts said tight credit conditions, constrained inventories of for-sale homes, and an [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20938&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/05/01/us-homeownership-rate-at-65-percent-in-the-first-quarter-in-2013-according-to-us-census-bureau/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
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		<item>
		<title>Wood Floors Trends in 2013 for Home Sellers, Home Buyers, and Homeowners &#8211; Real Estate and Homes for Sale in Fairfax County, Loudoun County, Prince William County in Northern Virginia</title>
		<link>http://viviannerutkowski.wordpress.com/2013/05/01/wood-floors-trends-in-2013-for-home-sellers-home-buyers-and-homeowners-real-estate-and-homes-for-sale-in-fairfax-county-loudoun-county-prince-william-county-in-northern-virginia/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/05/01/wood-floors-trends-in-2013-for-home-sellers-home-buyers-and-homeowners-real-estate-and-homes-for-sale-in-fairfax-county-loudoun-county-prince-william-county-in-northern-virginia/#comments</comments>
		<pubDate>Thu, 02 May 2013 02:30:48 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[BEAUTY CONTEST]]></category>
		<category><![CDATA[HOME BUYERS]]></category>
		<category><![CDATA[HOME IMPROVEMENTS]]></category>
		<category><![CDATA[US HOME TRENDS]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Fairfax County Virginia homes for sale]]></category>
		<category><![CDATA[Fairfax County Virginia real estate for sale]]></category>
		<category><![CDATA[Loudoun County Virginia homes for sale]]></category>
		<category><![CDATA[Loudoun County Virginia real estate for sale]]></category>
		<category><![CDATA[Northern Virginia homes for sale]]></category>
		<category><![CDATA[Northern Virginia real estate for sale]]></category>
		<category><![CDATA[Prince William County Virginia homes for sale]]></category>
		<category><![CDATA[Prince William County Virginia real estate for sale]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20930</guid>
		<description><![CDATA[Here is an excellent article about wood floors from REALTOR Magazine. I hope you&#8217;ll find it helpful: &#8220;Just as with ties and hem lengths, wood flooring styles change. Colors get darker or lighter; planks get narrower or wider; woods with more or less grain show swings in popularity; softer or harder species gain or lose [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20930&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/05/01/wood-floors-trends-in-2013-for-home-sellers-home-buyers-and-homeowners-real-estate-and-homes-for-sale-in-fairfax-county-loudoun-county-prince-william-county-in-northern-virginia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>
	</item>
		<item>
		<title>The Home Affordable Refinance Program, HARP, extended until December 31, 2015</title>
		<link>http://viviannerutkowski.wordpress.com/2013/04/20/the-home-affordable-refinance-program-harp-extended-until-december-31-2015/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/04/20/the-home-affordable-refinance-program-harp-extended-until-december-31-2015/#comments</comments>
		<pubDate>Sun, 21 Apr 2013 04:44:00 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[SHORT SALES]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[HARP December 31 2015]]></category>
		<category><![CDATA[HARP refinancing program]]></category>
		<category><![CDATA[Home Affordable Refinance Program December 31 2015]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20956</guid>
		<description><![CDATA[The Home Affordable Refinance Program — a government refinancing program for underwater home owners — will be expanded for another two years, the Federal Housing Finance Agency announces. HARP was originally set to expire Dec. 31, 2013, but will now be extended to the end of 2015 &#8211; December 31, 2015. &#8220;More than 2 million [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20956&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/04/20/the-home-affordable-refinance-program-harp-extended-until-december-31-2015/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>
	</item>
		<item>
		<title>Northern Virginia Homes and Buyers&#8217; Home Size Preferences according to the National Association of Home Builders’ “What Home Buyers Really Want” Survey</title>
		<link>http://viviannerutkowski.wordpress.com/2013/03/26/northern-virginia-homes-and-buyers-home-size-preferences-according-to-the-national-association-of-home-builders-what-home-buyers-really-want-survey/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/03/26/northern-virginia-homes-and-buyers-home-size-preferences-according-to-the-national-association-of-home-builders-what-home-buyers-really-want-survey/#comments</comments>
		<pubDate>Tue, 26 Mar 2013 17:33:53 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[MY CASTLE]]></category>
		<category><![CDATA[US HOME TRENDS]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Home Buyers' Home Size Preferences in 2013]]></category>
		<category><![CDATA[Northern Virginia homes]]></category>
		<category><![CDATA[Realtor Vivianne Rutkowski]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20910</guid>
		<description><![CDATA[The median home size most highly desired among home shoppers is 2,226 square feet, according to the National Association of Home Builders’ “What Home Buyers Really Want” survey. The size of home most desired can vary greatly depending on the buyers’ age, race, and ethnicity, the study found. As buyers’ ages increase, they tend to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20910&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/03/26/northern-virginia-homes-and-buyers-home-size-preferences-according-to-the-national-association-of-home-builders-what-home-buyers-really-want-survey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
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	</item>
		<item>
		<title>May 2013 Mortgage Loan Interest Rates and Mortgage Calculators for Home Buyers in Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA,  Arlington County VA and Fauquier County VA</title>
		<link>http://viviannerutkowski.wordpress.com/2013/01/02/arlington-county-va-fairfax-county-va-loudoun-county-va-and-prince-william-county-va-interest-rates-and-mortgage-calculators-for-home-buyers/</link>
		<comments>http://viviannerutkowski.wordpress.com/2013/01/02/arlington-county-va-fairfax-county-va-loudoun-county-va-and-prince-william-county-va-interest-rates-and-mortgage-calculators-for-home-buyers/#comments</comments>
		<pubDate>Wed, 02 Jan 2013 08:27:37 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[INTEREST RATES TODAY]]></category>
		<category><![CDATA[MORTGAGE CALCULATORS]]></category>
		<category><![CDATA[Arlington County Virginia mortgage interest rates today]]></category>
		<category><![CDATA[Arlington County Virginia mortgage loans calculators]]></category>
		<category><![CDATA[Fairfax County Virginia mortgage interest rates today]]></category>
		<category><![CDATA[Fairfax County Virginia mortgage loans calculators]]></category>
		<category><![CDATA[Fauquier County Virginia mortgage interest rates today]]></category>
		<category><![CDATA[Fauquier County Virginia mortgage loans calculators]]></category>
		<category><![CDATA[Loudoun County Virginia mortgage interest rates today]]></category>
		<category><![CDATA[Loudoun County Virginia mortgage loans calculators]]></category>
		<category><![CDATA[Prince William County Virginia mortgage interest rates today]]></category>
		<category><![CDATA[Prince William County Virginia mortgage loans calculators]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=13862</guid>
		<description><![CDATA[MORTGAGE LOAN INTEREST RATES MORTGAGE LOAN CALCULATORS MAY 2013 NATIONAL AVERAGE for CONFORMING 30 YEAR FIXED LOANS is 3.40% . CHECK TODAY&#8217;s MORTGAGE NEWS &#38; MORTGAGE INTEREST RATES in VIRGINIA &#38; OTHER STATES for  FIXED RATES LOANS (40 yr fixed, 30 yr fixed, 15 yr fixed, 10 yr fixed) FHA LOANS (30 yr FHA fixed, 15 yr FHA fixed)  VA [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=13862&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2013/01/02/arlington-county-va-fairfax-county-va-loudoun-county-va-and-prince-william-county-va-interest-rates-and-mortgage-calculators-for-home-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
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			<media:title type="html">HandsSigningDocs3</media:title>
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			<media:title type="html">KEYS&#38;Mortgage3 (2)</media:title>
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		<title>The Federal Housing Administration plans to raise its FHA mortgage fees in 2013 in order to help avoid a taxpayer bailout</title>
		<link>http://viviannerutkowski.wordpress.com/2012/11/19/the-federal-housing-administration-plans-to-raise-its-fha-mortgage-fees-in-2013-in-order-to-help-avoid-a-taxpayer-bailout/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/11/19/the-federal-housing-administration-plans-to-raise-its-fha-mortgage-fees-in-2013-in-order-to-help-avoid-a-taxpayer-bailout/#comments</comments>
		<pubDate>Tue, 20 Nov 2012 02:03:29 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HOME FINANCING]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[FHA loan fees in 2013]]></category>
		<category><![CDATA[FHA mortgage fees in 2013]]></category>
		<category><![CDATA[FHA mortgage loans]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20900</guid>
		<description><![CDATA[The Federal Housing Administration plans to raise its mortgage fees in 2013 in order to help avoid a taxpayer bailout, the Obama administration announced on Friday, November 16, 2012. A report last week revealed the FHA, which insures mortgages, faces a $16.3 billion deficit due to a rise in mortgage delinquencies over the last few years, particularly [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20900&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/11/19/the-federal-housing-administration-plans-to-raise-its-fha-mortgage-fees-in-2013-in-order-to-help-avoid-a-taxpayer-bailout/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>
	</item>
		<item>
		<title>Seven Ways to Give Your Home a Budget-Friendly Makeover &#8211; Northern Virginia Homes For Sale and Real Estate with Your Realtor Vivianne Rutkowski</title>
		<link>http://viviannerutkowski.wordpress.com/2012/11/18/seven-ways-to-give-your-home-a-budget-friendly-makeover-northern-virginia-homes-for-sale-and-real-estate-with-your-realtor-vivianne-rutkowski/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/11/18/seven-ways-to-give-your-home-a-budget-friendly-makeover-northern-virginia-homes-for-sale-and-real-estate-with-your-realtor-vivianne-rutkowski/#comments</comments>
		<pubDate>Mon, 19 Nov 2012 03:08:19 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[HOME OWNERS]]></category>
		<category><![CDATA[MY CASTLE]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Budget friendly home makeovers]]></category>
		<category><![CDATA[Fairfax County Virginia homes for sale]]></category>
		<category><![CDATA[Home improvements on the budget]]></category>
		<category><![CDATA[Loudoun County Virginia homes for sale]]></category>
		<category><![CDATA[Northern Virginia homes for sale]]></category>
		<category><![CDATA[Northern Virginia real estate for sale]]></category>
		<category><![CDATA[Prince William County Virginia homes for sale]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20815</guid>
		<description><![CDATA[The sound of “home makeover” makes some people excited or it makes some people cringe. The idea of spending lots of time and money painting the house, shopping for new furniture, and replacing the carpet is something few people want to do during their free time. But not every home makeover has to be so [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20815&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/11/18/seven-ways-to-give-your-home-a-budget-friendly-makeover-northern-virginia-homes-for-sale-and-real-estate-with-your-realtor-vivianne-rutkowski/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>

		<media:content url="http://viviannerutkowski.files.wordpress.com/2012/11/kitchens_cabinet.jpg?w=300" medium="image">
			<media:title type="html">Kitchens_Cabinet</media:title>
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		<title>Peace of Mind and Additional Protection for Your Home with Umbrella Insurance</title>
		<link>http://viviannerutkowski.wordpress.com/2012/11/02/peace-of-mind-and-additional-protection-for-your-home-with-umbrella-insurance/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/11/02/peace-of-mind-and-additional-protection-for-your-home-with-umbrella-insurance/#comments</comments>
		<pubDate>Sat, 03 Nov 2012 03:34:00 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HAZARD INSURANCE]]></category>
		<category><![CDATA[HOME OWNERS]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Homeowners insurance]]></category>
		<category><![CDATA[Realtor Vivianne Rutkowski]]></category>
		<category><![CDATA[Umbrella insurance]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20739</guid>
		<description><![CDATA[Umbrella insurance offers added homeowner liability protection that kicks in after homeowners insurance reaches its coverage limits. Understand homeowner liability Liability insurance covers homeowners in the event you get hit with a lawsuit. Some of the liability risks faced by homeowners are more apparent than others. For example, a house guest takes a tumble after [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20739&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/11/02/peace-of-mind-and-additional-protection-for-your-home-with-umbrella-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>38.959748 -77.353667</georss:point>
		<geo:lat>38.959748</geo:lat>
		<geo:long>-77.353667</geo:long>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>

		<media:content url="http://viviannerutkowski.files.wordpress.com/2012/11/umbrella-insurance.jpg" medium="image">
			<media:title type="html">Umbrella Insurance</media:title>
		</media:content>
	</item>
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		<title>Mortgage Interest Rates Hover Near Record Lows the Week Ending October 11, 2012 &#8211; Home Financing and Homes for Sale in Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County Virginia</title>
		<link>http://viviannerutkowski.wordpress.com/2012/10/14/mortgage-interest-rates-hover-near-record-lows-the-week-ending-october-11-2012-home-financing-and-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/10/14/mortgage-interest-rates-hover-near-record-lows-the-week-ending-october-11-2012-home-financing-and-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va/#comments</comments>
		<pubDate>Mon, 15 Oct 2012 04:59:45 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HOME BUYERS]]></category>
		<category><![CDATA[HOME FINANCING]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[Virginia Real Estate News]]></category>
		<category><![CDATA[Arlington County Virginia home financing]]></category>
		<category><![CDATA[Arlington County Virginia homes for sale]]></category>
		<category><![CDATA[Fairfax County Virginia home financing]]></category>
		<category><![CDATA[Fairfax County Virginia homes for sale]]></category>
		<category><![CDATA[Loudoun County Virginia home financing]]></category>
		<category><![CDATA[Loudoun County Virginia homes for sale]]></category>
		<category><![CDATA[Mortgage interest rates in October 2012]]></category>
		<category><![CDATA[Prince William County Virginia home financing]]></category>
		<category><![CDATA[Prince William County Virginia homes for sale]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20728</guid>
		<description><![CDATA[Mortgage rates held steady for the most part the week ending October 11, 2012, remaining near all-time record lows set the previous week, Freddie Mac reported in its weekly market survey. Here’s a closer look at national mortgage rate averages for the week ending October 11, 2012. 30-year fixed-rate mortgages: averaged 3.39%, with an average 0.7 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20728&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/10/14/mortgage-interest-rates-hover-near-record-lows-the-week-ending-october-11-2012-home-financing-and-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>38.959748 -77.353667</georss:point>
		<geo:lat>38.959748</geo:lat>
		<geo:long>-77.353667</geo:long>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>
	</item>
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		<title>American Home Ownership Rate Stands at 65.5 Percent According to 2011 Census Bureau &#8211; Purchasing a Home after a Short Sale or Foreclosure in Metropolitan Washington, D.C. Area and Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County VA</title>
		<link>http://viviannerutkowski.wordpress.com/2012/10/08/american-home-ownership-rate-stands-at-65-5-percent-according-to-2011-census-bureau-purchasing-a-home-after-a-short-sale-or-foreclosure-in-metropolitan-washington-d-c-area-and-northern-virginia-f/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/10/08/american-home-ownership-rate-stands-at-65-5-percent-according-to-2011-census-bureau-purchasing-a-home-after-a-short-sale-or-foreclosure-in-metropolitan-washington-d-c-area-and-northern-virginia-f/#comments</comments>
		<pubDate>Mon, 08 Oct 2012 05:17:14 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[HOME BUYERS]]></category>
		<category><![CDATA[HOME FINANCING]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Arlington County Virginia homes for sale]]></category>
		<category><![CDATA[Fairfax County Virginia homes for sale]]></category>
		<category><![CDATA[Fauquier County Virginia homes for sale]]></category>
		<category><![CDATA[Home buying vs rent in Northern Virginia]]></category>
		<category><![CDATA[Loudoun County Virginia homes for sale]]></category>
		<category><![CDATA[Prince William County Virginia homes for sale]]></category>
		<category><![CDATA[Purchasing a home after a foreclosure in Northern Virginia]]></category>
		<category><![CDATA[Purchasing a home after short sale in Northern Virginia]]></category>
		<category><![CDATA[Rate of home ownership in 2011 in USA]]></category>
		<category><![CDATA[US home ownership at 65.5 percent in 2011]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20645</guid>
		<description><![CDATA[American people favor home ownership over renting. The U.S. home ownership rate continues to remain around 65.5 percent, the U.S. Census Bureau reported in October 2012. The home ownership rate is nearly the same as it was in the second quarter of 2011 at 65.9 percent. . Many home owners who purchased their homes during [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20645&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/10/08/american-home-ownership-rate-stands-at-65-5-percent-according-to-2011-census-bureau-purchasing-a-home-after-a-short-sale-or-foreclosure-in-metropolitan-washington-d-c-area-and-northern-virginia-f/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>38.959748 -77.353667</georss:point>
		<geo:lat>38.959748</geo:lat>
		<geo:long>-77.353667</geo:long>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>
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		<title>10 Unexpected Energy Savers for Greener Homes and Lower Energy Bills &#8211; Northern Virginia Homes and Real Estate</title>
		<link>http://viviannerutkowski.wordpress.com/2012/10/07/10-unexpected-energy-savers-for-greener-homes-and-lower-energy-bills-northern-virginia-homes-and-real-estate/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/10/07/10-unexpected-energy-savers-for-greener-homes-and-lower-energy-bills-northern-virginia-homes-and-real-estate/#comments</comments>
		<pubDate>Mon, 08 Oct 2012 04:40:36 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[GREEN HOMES]]></category>
		<category><![CDATA[MY CASTLE]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Green energy efficient homes in Fairfax County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Fauquier County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Loudoun County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Northern Virginia]]></category>
		<category><![CDATA[Green energy efficient homes in Prince William County VA]]></category>
		<category><![CDATA[Northern Virginia homes and real estate]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20688</guid>
		<description><![CDATA[Here are a few surprising and simple ways to cut your energy bill this winter season. Put lamps in the corners: Did you know you can switch to a lower wattage bulb in a lamp or lower its dimmer switch and not lose a noticeable amount of light? It’s all about placement. When a lamp is [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20688&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/10/07/10-unexpected-energy-savers-for-greener-homes-and-lower-energy-bills-northern-virginia-homes-and-real-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>38.959748 -77.353667</georss:point>
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		<geo:long>-77.353667</geo:long>
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			<media:title type="html">ViviAnne</media:title>
		</media:content>

		<media:content url="http://viviannerutkowski.files.wordpress.com/2012/10/cottage-in-winter-energy-efficient-homes-21.jpg?w=150" medium="image">
			<media:title type="html">Cottage in winter - energy efficient homes 2</media:title>
		</media:content>

		<media:content url="http://viviannerutkowski.files.wordpress.com/2012/10/bigstockphoto_snow-bound_fir-tree_119450111.jpg?w=150" medium="image">
			<media:title type="html">bigstockphoto_Snow-Bound_Fir-Tree_1194501[1]</media:title>
		</media:content>

		<media:content url="http://viviannerutkowski.files.wordpress.com/2012/10/cottage-in-winter-energy-efficient-homes1.jpg?w=150" medium="image">
			<media:title type="html">Cottage in winter - energy efficient homes</media:title>
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		<title>Home Owners Must Implement at least Five Energy Efficient Projects to Save Energy and Lower Their Energy Bills &#8211; Green Energy Efficient Homes in Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County VA</title>
		<link>http://viviannerutkowski.wordpress.com/2012/10/07/home-owners-must-implement-at-least-five-energy-efficient-projects-to-save-energy-and-lower-their-energy-bills-green-energy-efficient-homes-in-northern-virginia-fairfax-county-va-loudoun-county-va/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/10/07/home-owners-must-implement-at-least-five-energy-efficient-projects-to-save-energy-and-lower-their-energy-bills-green-energy-efficient-homes-in-northern-virginia-fairfax-county-va-loudoun-county-va/#comments</comments>
		<pubDate>Mon, 08 Oct 2012 03:10:14 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[GREEN HOMES]]></category>
		<category><![CDATA[MY CASTLE]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Green energy efficient homes in Fairfax County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Fauquier County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Loudoun County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Northern Virginia]]></category>
		<category><![CDATA[Green energy efficient homes in Prince William County VA]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20672</guid>
		<description><![CDATA[REPRINTED from HOUSE LOGIC &#8211; Part II To read Part I It’s not just which energy efficiency projects you implement at home that will make a dent in your bills — it’s how many. This is the second part of our Q&#38;A with Suzanne Shelton, president and CEO of Shelton Group, a marketing agency specializing in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20672&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/10/07/home-owners-must-implement-at-least-five-energy-efficient-projects-to-save-energy-and-lower-their-energy-bills-green-energy-efficient-homes-in-northern-virginia-fairfax-county-va-loudoun-county-va/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<georss:point>38.959748 -77.353667</georss:point>
		<geo:lat>38.959748</geo:lat>
		<geo:long>-77.353667</geo:long>
		<media:content url="http://2.gravatar.com/avatar/8c54a87a1f7df8ca2ea90d30f5e2edf1?s=96&#38;d=http%3A%2F%2F2.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">ViviAnne</media:title>
		</media:content>
	</item>
		<item>
		<title>Saving Energy the Right Way &#8211; Green Energy Efficient Homes For Sale in Northern Virginia, Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County VA</title>
		<link>http://viviannerutkowski.wordpress.com/2012/10/07/saving-energy-the-right-way-green-energy-efficient-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va-arlington-county-va-fauquier-county-va/</link>
		<comments>http://viviannerutkowski.wordpress.com/2012/10/07/saving-energy-the-right-way-green-energy-efficient-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va-arlington-county-va-fauquier-county-va/#comments</comments>
		<pubDate>Mon, 08 Oct 2012 02:32:30 +0000</pubDate>
		<dc:creator>Vivianne Rutkowski</dc:creator>
				<category><![CDATA[9 - TREASURE CHEST]]></category>
		<category><![CDATA[GREEN HOMES]]></category>
		<category><![CDATA[MY CASTLE]]></category>
		<category><![CDATA[USA Real Estate News]]></category>
		<category><![CDATA[World View]]></category>
		<category><![CDATA[Energy efficient homes in Northern Virginia]]></category>
		<category><![CDATA[Green energy efficient homes in Fairfax County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Fauquier County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Loudoun County VA]]></category>
		<category><![CDATA[Green energy efficient homes in Prince William County VA]]></category>
		<category><![CDATA[Green homes in Northern Virginia]]></category>
		<category><![CDATA[Realtor Vivianne Rutkowski]]></category>
		<category><![CDATA[Vivianne Rutkowski]]></category>

		<guid isPermaLink="false">http://viviannerutkowski.wordpress.com/?p=20658</guid>
		<description><![CDATA[REPRINTED from HOUSE LOGIC &#8211; I hope you&#8217;ll find many useful ideas.  Do you see your energy bills rising even if you’ve implemented up to three projects to save energy? In the first of our two-part Q&#38;A with an expert on consumer attitudes toward energy efficiency, we look at the energy-saving truths many of us ignore. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=viviannerutkowski.wordpress.com&#038;blog=3379675&#038;post=20658&#038;subd=viviannerutkowski&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://viviannerutkowski.wordpress.com/2012/10/07/saving-energy-the-right-way-green-energy-efficient-homes-for-sale-in-northern-virginia-fairfax-county-va-loudoun-county-va-prince-william-county-va-arlington-county-va-fauquier-county-va/feed/</wfw:commentRss>
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			<media:title type="html">ViviAnne</media:title>
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			<media:title type="html">Energy efficient bulbs</media:title>
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