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><channel><title>NRVLiving - Real Estate. Simplified. &#187; Brandon Nicely</title> <atom:link href="http://www.NRVLiving.com/tag/brandon-nicely/feed/" rel="self" type="application/rss+xml" /><link>http://www.NRVLiving.com</link> <description>Real Estate in Blacksburg, Christiansburg, and Radford - I&#039;m sometimes on topic, occasionally irreverent, always Real.</description> <lastBuildDate>Wed, 08 Feb 2012 02:13:40 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.3.1</generator> <item><title>How Is A Credit Score Broken Down?</title><link>http://www.NRVLiving.com/2010/12/31/how-is-a-credit-score-divided/</link> <comments>http://www.NRVLiving.com/2010/12/31/how-is-a-credit-score-divided/#comments</comments> <pubDate>Fri, 31 Dec 2010 16:11:59 +0000</pubDate> <dc:creator>Jeremy</dc:creator> <category><![CDATA[Blacksburg]]></category> <category><![CDATA[Christiansburg]]></category> <category><![CDATA[General Real Estate]]></category> <category><![CDATA[Montgomery County]]></category> <category><![CDATA[Mortgages]]></category> <category><![CDATA[Radford]]></category> <category><![CDATA[Brandon Nicely]]></category> <category><![CDATA[credit]]></category> <category><![CDATA[FICO]]></category> <category><![CDATA[score]]></category><guid
isPermaLink="false">http://www.NRVLiving.com/?p=2792</guid> <description><![CDATA[Credit scores.  Can&#8217;t understand them, but without a good one &#8211; or lots of cash &#8211; buying a house is not attainable. Without a good credit score, the best interest rates aren&#8217;t available to you. Without the best interest rates available to you, homes at good values rapidly become unaffordable. A while ago, Marianne Lane [...]
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isPermaLink="false">http://www.NRVLiving.com/?p=2256</guid> <description><![CDATA[A question came in for Brandon Nicely on the blog over the weekend from Josh.  He wrote: Q: Brandon, what problems have you seen first-time buyers experience in applying for their tax credit? A: By now, most everyone has seen the basics of the tax credit: Sign a contract by April 31st, and close by [...]
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href='http://yarpp.org'>Yet Another Related Posts Plugin</a>.]]></description> <wfw:commentRss>http://www.NRVLiving.com/2010/03/30/brandon-nicely-reminds-us-about-the-tax-credit/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Brandon Nicely Recaps the First-Time Buyer Credit</title><link>http://www.NRVLiving.com/2010/03/05/brandon-nicely-recaps-the-first-time-buyer-credit/</link> <comments>http://www.NRVLiving.com/2010/03/05/brandon-nicely-recaps-the-first-time-buyer-credit/#comments</comments> <pubDate>Fri, 05 Mar 2010 10:05:29 +0000</pubDate> <dc:creator>Jeremy</dc:creator> <category><![CDATA[Blacksburg]]></category> <category><![CDATA[Christiansburg]]></category> <category><![CDATA[Current Affairs]]></category> <category><![CDATA[Montgomery County]]></category> <category><![CDATA[Mortgages]]></category> <category><![CDATA[Radford]]></category> <category><![CDATA[Brandon Nicely]]></category> <category><![CDATA[first-time buyer credit]]></category> <category><![CDATA[homebuyer credit]]></category><guid
isPermaLink="false">http://www.nrvliving.com/?p=2117</guid> <description><![CDATA[From Brandon: As we wind down to the expiration &#8211; again &#8211; of the first-time buyer credit, I thought it would be a good chance to recap some of the questions we keep hearing in my office regarding the credit.  Don&#8217;t wait until the last few days to get serious &#8230; If you&#8217;re looking at [...]
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isPermaLink="false">http://www.nrvliving.com/?p=2201</guid> <description><![CDATA[Brandon Nicely wants you to know that interest rates aren&#8217;t quite as scary as one would think.  Here&#8217;s a video to prove it: _______________________________________________________________ Brandon is a branch partner at Alcova Mortgage. He enjoys doing his taxes, firewalking and competitive eating, but not necessarily in that order. You can reach him at brandon@alcovamortgage.com, or 877-552-7150. [...]
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href='http://yarpp.org'>Yet Another Related Posts Plugin</a>.]]></description> <wfw:commentRss>http://www.NRVLiving.com/2010/02/24/how-interest-rates-work/feed/</wfw:commentRss> <slash:comments>2</slash:comments> </item> <item><title>New Forms Make Understanding the Details Easier</title><link>http://www.NRVLiving.com/2010/01/06/new-forms-make-understanding-the-details-easier/</link> <comments>http://www.NRVLiving.com/2010/01/06/new-forms-make-understanding-the-details-easier/#comments</comments> <pubDate>Wed, 06 Jan 2010 10:02:41 +0000</pubDate> <dc:creator>Jeremy</dc:creator> <category><![CDATA[General Real Estate]]></category> <category><![CDATA[Alcova Mortgage]]></category> <category><![CDATA[Brandon Nicely]]></category> <category><![CDATA[GFE]]></category> <category><![CDATA[HUD-1]]></category><guid
isPermaLink="false">http://www.nrvliving.com/?p=1939</guid> <description><![CDATA[I wrote a couple of months ago about the new Good Faith Estimate and HUD-1 forms that went into effect on January 1 2010, and they&#8217;re here &#8211; they&#8217;re now in the system and home buyers and sellers will now see them being used. The mortgage process shouldn&#8217;t be smoke and mirrors; for a long time, [...]
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isPermaLink="false">http://www.nrvliving.com/?p=1929</guid> <description><![CDATA[Last Sunday, Sarah Cox wrote a post entitled &#8220;Around The Property&#8220;, and she followed it up this week with a piece entitled &#8220;Looking Back, Looking Ahead&#8221;.  While the article is supposed to be about what buyers should expect in 2010, it probably should also be titled &#8220;False Hope&#8221;. Reflecting on the past year, broker Mary [...]
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isPermaLink="false">http://www.nrvliving.com/?p=1915</guid> <description><![CDATA[Why should I look into buying my first home?  Let me give you 4 quick reasons: Increase net worth - In a comparison of renters versus homeowners, the Federal Reserve Board of Consumer Finance found that the average net worth of renters was $4,000, while that of homeowners was $184,400.  A home plays a huge part [...]
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isPermaLink="false">http://www.nrvliving.com/?p=1908</guid> <description><![CDATA[Sarah Cox of The Roanoke Times recently did a piece reflecting on the real estate market in 2009 &#8211; it looks like it&#8217;s going to be a multi-part story, below is copy of the first part.  Images embedded are my own, taken from the Virginia Employment Commission website. Reflections How was 2009 in real estate [...]
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isPermaLink="false">http://www.nrvliving.com/?p=1882</guid> <description><![CDATA[I was asked by a local reporter recently for some end-of-year thoughts on the New River Valley real estate market, and while I haven&#8217;t yet started working on the 4Q report yet, I started to wonder how many loans in the NRV will be resetting in the coming year. A loan &#8220;resets&#8221; when its&#8217; initial [...]
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isPermaLink="false">http://www.nrvliving.com/?p=1716</guid> <description><![CDATA[To pay points or not to pay points:  Everyone has heard the term &#8220;buying down the rate&#8221;, or &#8220;paying points&#8221;, but what does it really mean and should you be paying these? Before you decide whether you should pay any points you need to know what points actually are, how long you intend to be [...]
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