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	<title>I Am Langley</title>
	<link>http://www.iamlangley.com</link>
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		<title>How Will The HST Effect Me Buying A New Home</title>
		<description><![CDATA[With the new Harmonized Sales Tax now in place in B.C. there have been a lot of questions regarding the effect it will have on the price of new homes. The answer is, it depends on the home you buy. To qualify for the rebate in place for new homes it must be your principle [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/hst-effect-new-home/</link>
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		<title>Are You Ready To Buy A Home</title>
		<description><![CDATA[That is a very good question that many prospective home buyers never really ask themselves. Usually it is a first time home buyers, who think they can afford their own home finally. The operative word here is THINK. As a Realtor, obviously I would love to help my clients find a new home for themselves [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/ready-to-buy-home/</link>
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		<title>What is Fort Langley All About</title>
		<description><![CDATA[Fort Langley is a hidden gem in the Real Estate market of the Fraser Vally. Fort Langley is nestled along the Fraser river and the local residents try to keep its&#8217; existence a secret. I think they want to preserve the flavour of this beautiful B.C. town for themselves as long as possible and I [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/fort-langley-real-estate/</link>
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		<title>What exactly is a Property Disclosure Statement</title>
		<description><![CDATA[When I am listing a property this is usually the most asked question and the one that has the most concern attached to it. The client sometimes feel they are signing their life away or painting themselves in a corner by filling it out. Some agents don&#8217;t ask their clients to fill it out as [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/what-exactly-is-a-property-disclosurre-statement/</link>
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		<title>What are Latent Defects</title>
		<description><![CDATA[I often get questions from my clients regarding just what constitutes a Latent Defect. The question usually comes up when we are discussing the listing of their home and I mention that we must disclose all Latent Defects. Panic usually sets in and they immediately want to know exactly what they have to disclose and what [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/what-are-latent-defects/</link>
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		<title>20130 43A Ave &#8211; Brookswood Beauty</title>
		<description><![CDATA[This is a rare offering in this beautiful Brookswood neighborhood. Classic Brookswood home on a huge fenced lot just waiting for a family to call it home. This home is only one block from an elementary school and five blocks from a high school. The roof was replaced in 2005 and has a 30 year warranty [...]]]></description>
		<link>http://www.iamlangley.com/langley-real-estate/20130-43a-ave/</link>
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		<title>More about the new Mortgage rules</title>
		<description><![CDATA[The new changes to the mortgage insurance rules came into effect on April 19,2010. The new rules are meant to cut down on speculation and encourage Canadians to use their homes as a savings tool rather than as collateral for home equity loans to pay down credit card debt. There are three basic rule changes [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/more-about-the-new-mortgage-rules/</link>
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		<title>What are Fixed, Variable or Adjustable Interest Rates</title>
		<description><![CDATA[When you make that decision to purchase that first home you tend to think that all you have to do is go out and find the perfect home and the rest is easy. Nothing could be further from the truth. There are many decisions to make after you make the decision to buy THE home. [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/what-are-fixed-variable-or-adjustable-interest-rates/</link>
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		<title>Whats&#8217; the Difference between a Conventional and High Ratio Mortgage</title>
		<description><![CDATA[Many clients ask me what the difference between a conventional and high ratio mortgage are. They hear it talked about a lot, but don&#8217;t understand the difference. Basically, the difference is the amount of down payment you&#8217;re going to put down. If you put 20% or more down you qualify for conventional mortgage. One benefit [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/whats-the-difference-between-a-conventional-and-high-ratio-mortgage/</link>
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		<title>Municipal Tax (different from Land Transfer Tax)</title>
		<description><![CDATA[Clients are sometimes  confused between  the Land Transfer Tax and the municipal property tax. Unfortunately they are two separate taxes that are part of your closing costs. They can be an unexpected shock when you get a call from your lawyer outlining the final amount of money you need to come up with for your [...]]]></description>
		<link>http://www.iamlangley.com/langley-realestate-blog/municipal-tax-different-from-land-transfer-tax/</link>
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