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	<title>SarahToppins&#039; Blog</title>
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	<description>The Unvarnished Truth about Real Estate</description>
	<lastBuildDate>Thu, 19 Jan 2012 19:42:28 +0000</lastBuildDate>
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		<title>SarahToppins&#039; Blog</title>
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		<title>New Bethesda listing inside the Beltway &#8211; 6 Spruce Tree Ct.</title>
		<link>http://sarahtoppins.wordpress.com/2012/01/19/new-bethesda-listing-inside-the-beltway-6-spruce-tree-ct/</link>
		<comments>http://sarahtoppins.wordpress.com/2012/01/19/new-bethesda-listing-inside-the-beltway-6-spruce-tree-ct/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 19:42:27 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Montgomery County]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=165</guid>
		<description><![CDATA[Here&#8217;s a video of my newest listing &#8211; a renovated 4 bedroom, 2.5 bath Dutch colonial with a new kitchen and a two car garage inside the Beltway close to the Bethesda YMCA. http://animoto.com/play/Oi488NKwUNJn0Q0RckrgbA<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=165&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Here&#8217;s a video of my newest listing &#8211; a renovated 4 bedroom, 2.5 bath Dutch colonial with a new kitchen and a two car garage inside the Beltway close to the Bethesda YMCA. <a title="6 Spruce Tree Ct." href="http://animoto.com/play/Oi488NKwUNJn0Q0RckrgbA">http://animoto.com/play/Oi488NKwUNJn0Q0RckrgbA</a></p>
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		<title>Why wait to buy? Higher prices &amp; lower interest rates still equal lower costs.</title>
		<link>http://sarahtoppins.wordpress.com/2011/12/02/why-wait-to-buy-higher-prices-lower-interest-rates-still-equal-lower-costs/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/12/02/why-wait-to-buy-higher-prices-lower-interest-rates-still-equal-lower-costs/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 13:26:56 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[Market Timing]]></category>
		<category><![CDATA[real estate information]]></category>
		<category><![CDATA[waiting to buy real estate]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=155</guid>
		<description><![CDATA[Have you been waiting to buy a home because you thought prices would go down? That might not be the best strategy. Although in many areas prices have gone down, that’s not the case in the Washington, DC metropolitan area. But, interest rates have gone down as well. So that more expensive house may cost [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=155&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Have you been waiting to buy a home because you thought prices would go down? That might not be the best strategy.<br />
Although in many areas prices have gone down, that’s not the case in the Washington, DC metropolitan area. But, interest rates have gone down as well. So that more expensive house may cost you less on a monthly basis. Why wait to buy?</p>
<p><a href="http://sarahtoppins.files.wordpress.com/2011/12/october2011-11.jpg"><img class="alignnone size-medium wp-image-156" title="Higher prices &amp; lower interest rates still equal lower costs" src="http://sarahtoppins.files.wordpress.com/2011/12/october2011-11.jpg?w=300&#038;h=225" alt="" width="300" height="225" /></a></p>
<p>Graphic provided by KCM.com.</p>
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			<media:title type="html">Higher prices &#38; lower interest rates still equal lower costs</media:title>
		</media:content>
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		<title>Realty Times &#8211; Quiz: Am I Ready to Buy?</title>
		<link>http://sarahtoppins.wordpress.com/2011/10/17/realty-times-quiz-am-i-ready-to-buy/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/10/17/realty-times-quiz-am-i-ready-to-buy/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 10:51:51 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[DC Real Estate]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=153</guid>
		<description><![CDATA[Realty Times &#8211; Quiz: Am I Ready to Buy?. I agree with almost everything in this article, but how much down payment you need.  In the Washington, DC Metro area, if you&#8217;re buying a house for less than $625,000, you can get a FHA loan in which you only put 3.5% of the sales price [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=153&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://realtytimes.com/rtpages/20111017_readybuy.htm#.TpwHl2b5wU8.wordpress">Realty Times &#8211; Quiz: Am I Ready to Buy?</a>.</p>
<p>I agree with almost everything in this article, but how much down payment you need.  In the Washington, DC Metro area, if you&#8217;re buying a house for less than $625,000, you can get a FHA loan in which you only put 3.5% of the sales price down.  You&#8217;ll also need another 3% to pay for closing costs, but we can sometimes negotiate to have the seller pay for this.</p>
<p>Go to <a title="My Website" href="http://www.MetroWashingtonDCHomes.com">www.MetroWashingtonDCHomes.com</a> to learn more or contact me to help you with your search and decision-making.</p>
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		<title>Realty Times &#8211; Fixed Mortgage Rates Up Sharply Following Jobs Report</title>
		<link>http://sarahtoppins.wordpress.com/2011/10/14/realty-times-fixed-mortgage-rates-up-sharply-following-jobs-report/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/10/14/realty-times-fixed-mortgage-rates-up-sharply-following-jobs-report/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 08:54:25 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Financing]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=151</guid>
		<description><![CDATA[&#160; &#160; &#160; &#160; &#160; Realty Times &#8211; Fixed Mortgage Rates Up Sharply Following Jobs Report. Prices are great!  Interest rates are also great, but they&#8217;re beginning to rise, so don&#8217;t wait if you are thinking of buying or selling.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=151&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><a href="http://realtytimes.com/rtpages/20111014_rates.htm#.Tpf4ZW9IjB0.wordpress">Realty Times &#8211; Fixed Mortgage Rates Up Sharply Following Jobs Report</a>.</p>
<p>Prices are great!  Interest rates are also great, but they&#8217;re beginning to rise, so don&#8217;t wait if you are thinking of buying or selling.</p>
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		<title>Realty Times &#8211; Big Government Makes Washington, D.C. Nation&#8217;s Party Town For Housing</title>
		<link>http://sarahtoppins.wordpress.com/2011/07/21/realty-times-big-government-makes-washington-d-c-nations-party-town-for-housing/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/07/21/realty-times-big-government-makes-washington-d-c-nations-party-town-for-housing/#comments</comments>
		<pubDate>Thu, 21 Jul 2011 10:57:05 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[DC Real Estate]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=149</guid>
		<description><![CDATA[Realty Times &#8211; Big Government Makes Washington, D.C. Nation&#8217;s Party Town For Housing.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=149&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://realtytimes.com/rtpages/20110721_washington.htm#.TigF20SfVjQ.wordpress">Realty Times &#8211; Big Government Makes Washington, D.C. Nation&#8217;s Party Town For Housing</a>.</p>
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		<title>Well Maintained Original Owner Home Walking Distance to Glenmont Metro &#8211; $225,000</title>
		<link>http://sarahtoppins.wordpress.com/2011/07/08/well-maintained-original-owner-home-walking-distance-to-glenmont-metro-225000/</link>
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		<pubDate>Fri, 08 Jul 2011 13:28:34 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=147</guid>
		<description><![CDATA[For Sale: 3BR/1+1BA Single Family House in Silver Spring, MD, $225,000.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=147&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.postlets.com/res/5846882">For Sale: 3BR/1+1BA Single Family House in Silver Spring, MD, $225,000</a>.</p>
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		<title>New listing close to Glenmont Metro</title>
		<link>http://sarahtoppins.wordpress.com/2011/07/08/new-listing-close-to-glenmont-metro/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/07/08/new-listing-close-to-glenmont-metro/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 12:02:40 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=145</guid>
		<description><![CDATA[For Sale: 3BR/1+1BA Single Family House in Bethesda, MD, $225,000.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=145&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.postlets.com/res/5846882">For Sale: 3BR/1+1BA Single Family House in Bethesda, MD, $225,000</a>.</p>
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		<title>Realty Times &#8211; 10 Secrets of Home Staging</title>
		<link>http://sarahtoppins.wordpress.com/2011/06/30/realty-times-10-secrets-of-home-staging/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/06/30/realty-times-10-secrets-of-home-staging/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 10:01:35 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[real estate information]]></category>
		<category><![CDATA[staging]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=143</guid>
		<description><![CDATA[&#160; Realty Times &#8211; 10 Secrets of Home Staging. Very good information from Realty Times about how to inexpensively prepare a house to sell.  Advice ranges from decluttering to adding fresh flowers to putting oversized furniture in storage.  A little sweat equity goes a long way.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=143&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p><a href="http://realtytimes.com/rtpages/20110630_staging.htm#.TgxIkXeBcAc.wordpress">Realty Times &#8211; 10 Secrets of Home Staging</a>.</p>
<p>Very good information from Realty Times about how to inexpensively prepare a house to sell.  Advice ranges from decluttering to adding fresh flowers to putting oversized furniture in storage.  A little sweat equity goes a long way.</p>
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		<title>10801 Pearson, Kensington, MD &#8211; $510,000</title>
		<link>http://sarahtoppins.wordpress.com/2011/06/16/10801-pearson-kensington-md-510000/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/06/16/10801-pearson-kensington-md-510000/#comments</comments>
		<pubDate>Thu, 16 Jun 2011 13:52:43 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Maryland real estate]]></category>
		<category><![CDATA[Montgomery County]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=141</guid>
		<description><![CDATA[&#160; &#160; &#160; Luscious landscaping in updated 4 bedroom colonial in Kensington with 2 car garage and sunroom. Reduced to $510,000 10801 Pearson, Kensington, MD.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=141&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><a href="http://animoto.com/play/gsDfTnSlFWUGrrpWmNBk1A">Luscious landscaping in updated 4 bedroom colonial in Kensington with 2 car garage and sunroom. Reduced to $510,000</a></p>
<p><a href="http://animoto.com/play/gsDfTnSlFWUGrrpWmNBk1A">10801 Pearson, Kensington, MD</a>.</p>
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		<title>Free online calculator to see if you qualify for a mortgage modification</title>
		<link>http://sarahtoppins.wordpress.com/2011/06/09/free-online-calculator-to-see-if-you-qualify-for-a-mortgage-modification/</link>
		<comments>http://sarahtoppins.wordpress.com/2011/06/09/free-online-calculator-to-see-if-you-qualify-for-a-mortgage-modification/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 12:59:10 +0000</pubDate>
		<dc:creator>Sarah Toppins</dc:creator>
				<category><![CDATA[Financing]]></category>
		<category><![CDATA[real estate information]]></category>

		<guid isPermaLink="false">http://sarahtoppins.wordpress.com/?p=138</guid>
		<description><![CDATA[The Treasury Department is offering a free online calculator that helps borrowers estimate whether or not they qualify for the Home Affordable Modification Program (HAMP). https://checkmynpv.com/<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=sarahtoppins.wordpress.com&amp;blog=15493592&amp;post=138&amp;subd=sarahtoppins&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>The Treasury Department is offering a free online calculator that helps borrowers estimate whether or not they qualify for the Home Affordable Modification Program (HAMP).</p>
<p><a href="https://checkmynpv.com/">https://checkmynpv.com/</a></p>
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