<?xml version="1.0" encoding="UTF-8"?>
<!-- This sitemap was dynamically generated on April 3, 2026 at 6:01 pm by All in One SEO v4.9.5.1 - the original SEO plugin for WordPress. -->

<?xml-stylesheet type="text/xsl" href="https://www.shikmarubin.com/default-sitemap.xsl"?>

<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom">
	<channel>
		<title>Lending a Hand by Shikma Rubin</title>
		<link><![CDATA[https://www.shikmarubin.com]]></link>
		<description><![CDATA[Lending a Hand by Shikma Rubin]]></description>
		<lastBuildDate><![CDATA[Wed, 13 Mar 2019 16:54:26 +0000]]></lastBuildDate>
		<docs>https://validator.w3.org/feed/docs/rss2.html</docs>
		<atom:link href="https://www.shikmarubin.com/sitemap.rss" rel="self" type="application/rss+xml" />
		<ttl><![CDATA[60]]></ttl>

		<item>
			<guid><![CDATA[https://www.shikmarubin.com/5-upfront-costs-you-need-to-know-when-buying-a-home/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/5-upfront-costs-you-need-to-know-when-buying-a-home/]]></link>
			<title>5 Upfront Costs You Need to Know When Buying a Home</title>
			<pubDate><![CDATA[Wed, 13 Mar 2019 16:54:26 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/lease-to-own-first-time-home-buyers/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/lease-to-own-first-time-home-buyers/]]></link>
			<title>Lease-to-Own: A Financing Option First-Time Homebuyers Love</title>
			<pubDate><![CDATA[Wed, 03 May 2017 14:34:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/family-opportunity-loan-program-2/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/family-opportunity-loan-program-2/]]></link>
			<title>Want to help your child buy a home? There&#8217;s a unique loan for that</title>
			<pubDate><![CDATA[Tue, 28 Aug 2018 19:57:36 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/three-percent-conventional-loan-program/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/three-percent-conventional-loan-program/]]></link>
			<title>A conventional loan that doesn&#8217;t require 20% down? (No, really)</title>
			<pubDate><![CDATA[Tue, 28 Aug 2018 19:46:05 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/grants-for-civil-servants/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/grants-for-civil-servants/]]></link>
			<title>Home loan program helps first-time buyers, civil servants and military</title>
			<pubDate><![CDATA[Tue, 28 Aug 2018 19:40:34 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/jumbo-home-loan-there-is-an-arm-for-that/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/jumbo-home-loan-there-is-an-arm-for-that/]]></link>
			<title>Jumbo home loan? There is an ARM for that</title>
			<pubDate><![CDATA[Tue, 28 Aug 2018 19:34:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/ready-to-act-vhda-offers-8k-homeownership-grant-for-educators-and-first-responders/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/ready-to-act-vhda-offers-8k-homeownership-grant-for-educators-and-first-responders/]]></link>
			<title>Ready to act? VHDA offers $8K homeownership grant for educators and first responders</title>
			<pubDate><![CDATA[Tue, 15 Oct 2019 15:07:35 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/everything-you-need-to-know-about-fha-mortgages/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/everything-you-need-to-know-about-fha-mortgages/]]></link>
			<title>Everything you need to know about FHA mortgages</title>
			<pubDate><![CDATA[Tue, 15 Oct 2019 15:03:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/now-might-be-the-right-time-to-refinance-your-va-loan/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/now-might-be-the-right-time-to-refinance-your-va-loan/]]></link>
			<title>Now might be the right time to refinance your VA loan</title>
			<pubDate><![CDATA[Tue, 15 Oct 2019 14:57:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/need-to-pay-off-debt-cash-out-refinance-could-be-the-answer/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/need-to-pay-off-debt-cash-out-refinance-could-be-the-answer/]]></link>
			<title>Need to pay off debt? Cash-out refinance could be the answer.</title>
			<pubDate><![CDATA[Tue, 15 Oct 2019 14:24:08 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/five-upfront-fees-every-homebuyer-should-understand/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/five-upfront-fees-every-homebuyer-should-understand/]]></link>
			<title>Five upfront fees every homebuyer should understand</title>
			<pubDate><![CDATA[Tue, 13 Mar 2018 19:01:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/attention-first-time-homebuyers-dont-fear-mortgage-insurance/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/attention-first-time-homebuyers-dont-fear-mortgage-insurance/]]></link>
			<title>Attention, first-time homebuyers: Don&#8217;t fear mortgage insurance.</title>
			<pubDate><![CDATA[Tue, 13 Mar 2018 18:46:30 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/documents-you-need-type-of-loan/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/documents-you-need-type-of-loan/]]></link>
			<title>Save This Checklist of Documents You Need to Buy a Home</title>
			<pubDate><![CDATA[Tue, 09 Jan 2018 02:00:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/big-news-how-to-apply-for-a-mortgage-despite-student-loans/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/big-news-how-to-apply-for-a-mortgage-despite-student-loans/]]></link>
			<title>Big News: How to Apply for a Mortgage Despite Student Loans</title>
			<pubDate><![CDATA[Tue, 09 Jan 2018 01:52:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/buying-a-house-over-the-holidays-dont-sweat-it/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/buying-a-house-over-the-holidays-dont-sweat-it/]]></link>
			<title>Buying a House Over the Holidays? Don&#8217;t Sweat It</title>
			<pubDate><![CDATA[Tue, 09 Jan 2018 01:47:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/for-many-millennials-parents-are-a-lifeline-for-buying-a-house/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/for-many-millennials-parents-are-a-lifeline-for-buying-a-house/]]></link>
			<title>Can My Parents Can Help with My Home Mortgage? Yes and Here&#8217;s How</title>
			<pubDate><![CDATA[Tue, 09 Jan 2018 01:43:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/virginia-housing-development-authority-makes-big-changes-that-will-aid-millennials/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/virginia-housing-development-authority-makes-big-changes-that-will-aid-millennials/]]></link>
			<title>Virginia Housing Development Authority Makes Big Changes That Will Aid Millennials</title>
			<pubDate><![CDATA[Tue, 09 Jan 2018 01:36:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/in-the-news/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/in-the-news/]]></link>
			<title>In the News</title>
			<pubDate><![CDATA[Thu, 16 May 2019 17:28:41 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/here-are-the-facts-on-va-housing-and-development-authority-loans/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/here-are-the-facts-on-va-housing-and-development-authority-loans/]]></link>
			<title>Here are the facts on Va. Housing and Development Authority loans</title>
			<pubDate><![CDATA[Thu, 16 May 2019 16:18:53 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/heres-an-outside-the-box-approach-to-buying-a-home/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/heres-an-outside-the-box-approach-to-buying-a-home/]]></link>
			<title>Here&#8217;s an outside-the-box approach to buying a home</title>
			<pubDate><![CDATA[Thu, 16 May 2019 16:14:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/what-you-need-to-know-about-reverse-mortgages/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/what-you-need-to-know-about-reverse-mortgages/]]></link>
			<title>What you need to know about reverse mortgages</title>
			<pubDate><![CDATA[Thu, 16 May 2019 16:10:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/which-loan-program-is-right-for-you/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/which-loan-program-is-right-for-you/]]></link>
			<title>Which loan program is right for you?</title>
			<pubDate><![CDATA[Thu, 16 May 2019 16:06:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/thinking-about-a-fixer-upper-consider-a-renovation-loan/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/thinking-about-a-fixer-upper-consider-a-renovation-loan/]]></link>
			<title>Thinking about a fixer-upper? Consider a renovation loan</title>
			<pubDate><![CDATA[Thu, 16 May 2019 15:56:29 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/thanks-to-new-program-its-now-easier-for-first-time-homebuyers-to-come-up-with-down-payment/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/thanks-to-new-program-its-now-easier-for-first-time-homebuyers-to-come-up-with-down-payment/]]></link>
			<title>Thanks to new program, it&#8217;s now easier for first-time homebuyers to come up with down payment</title>
			<pubDate><![CDATA[Thu, 16 May 2019 15:41:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/vhda-down-payment-grant-changes/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/vhda-down-payment-grant-changes/]]></link>
			<title>Big Changes Coming September 7 to VHDA Down Payment Grant</title>
			<pubDate><![CDATA[Thu, 11 Aug 2016 14:04:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/when-can-i-cancel-my-mortgage-insurance/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/when-can-i-cancel-my-mortgage-insurance/]]></link>
			<title>When Can I Cancel My Mortgage Insurance?</title>
			<pubDate><![CDATA[Mon, 29 Aug 2016 16:08:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/credit-scores-virginia-beach-norfolk-chesapeake/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/credit-scores-virginia-beach-norfolk-chesapeake/]]></link>
			<title>Credit Scores and Mortgages: Credit Bureaus Announce Positive Changes</title>
			<pubDate><![CDATA[Mon, 24 Oct 2016 18:14:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/3-powerful-factors-that-keep-people-from-obtaining-a-home-loan/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/3-powerful-factors-that-keep-people-from-obtaining-a-home-loan/]]></link>
			<title>3 Powerful Factors That Keep People from Obtaining a Home Loan</title>
			<pubDate><![CDATA[Mon, 24 Oct 2016 18:11:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/debt-and-credit/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/debt-and-credit/]]></link>
			<title>Is Debt a Good Thing or a Bad Thing?</title>
			<pubDate><![CDATA[Mon, 24 Oct 2016 18:01:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/reviews/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/reviews/]]></link>
			<title>Reviews</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 02:13:05 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/vhdas-8k-community-heroes-grant-still-available-statewide/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/vhdas-8k-community-heroes-grant-still-available-statewide/]]></link>
			<title>VHDA’s “8K” Community Heroes Grant Still Available Statewide</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:50:57 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/new-federal-legislation-includes-boost-for-military-homebuyers/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/new-federal-legislation-includes-boost-for-military-homebuyers/]]></link>
			<title>New Federal Legislation Includes Boost for Military Homebuyers</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:49:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/4-things-not-to-do-during-the-mortgage-process/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/4-things-not-to-do-during-the-mortgage-process/]]></link>
			<title>4 Things Not to Do During the Mortgage Process</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:48:17 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/a-smart-option-for-energy-efficient-improvements/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/a-smart-option-for-energy-efficient-improvements/]]></link>
			<title>A Smart Option for Energy Efficient Improvements</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:44:01 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/now-is-a-great-time-to-explore-a-mortgage-refinance/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/now-is-a-great-time-to-explore-a-mortgage-refinance/]]></link>
			<title>Now is a Great Time to Explore a Mortgage Refinance</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:40:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/with-mortgage-forbearance-pay-attention-to-pay-back-rules/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/with-mortgage-forbearance-pay-attention-to-pay-back-rules/]]></link>
			<title>With Mortgage Forbearance, Pay Attention to Pay-Back Rules</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:37:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/1143-2/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/1143-2/]]></link>
			<title>What you need to know about mortgage forbearance</title>
			<pubDate><![CDATA[Mon, 22 Jun 2020 01:31:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/want-to-buy-a-house-4-steps-you-must-follow-right-now/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/want-to-buy-a-house-4-steps-you-must-follow-right-now/]]></link>
			<title>Want to Buy a House in Hampton Roads 2017? 4 Steps You MUST Follow</title>
			<pubDate><![CDATA[Mon, 10 Oct 2016 19:53:03 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/ebook/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/ebook/]]></link>
			<title>Download My Ebook on First-Time Homebuyers and Mortgages</title>
			<pubDate><![CDATA[Mon, 10 Oct 2016 19:49:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/multiple-offers/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/multiple-offers/]]></link>
			<title>How to stand out in a multiple offer scenario</title>
			<pubDate><![CDATA[Mon, 10 Oct 2016 19:44:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/contact/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/contact/]]></link>
			<title>Contact</title>
			<pubDate><![CDATA[Mon, 08 Jul 2024 14:42:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/how-to-get-pre-qualified/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/how-to-get-pre-qualified/]]></link>
			<title>Get Pre-Qualified</title>
			<pubDate><![CDATA[Mon, 08 Jul 2024 14:41:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/about-me/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/about-me/]]></link>
			<title>About Me</title>
			<pubDate><![CDATA[Mon, 08 Jul 2024 14:33:46 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/virginia-beach-norfolk-military-consider-va-loans/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/virginia-beach-norfolk-military-consider-va-loans/]]></link>
			<title>Military? Consider VA Loans</title>
			<pubDate><![CDATA[Mon, 04 Sep 2017 19:58:01 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/in-the-mortgage-world-2-is-the-magic-number/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/in-the-mortgage-world-2-is-the-magic-number/]]></link>
			<title>In the Mortgage World, &#8220;2&#8221; is the Magic Number</title>
			<pubDate><![CDATA[Mon, 04 Sep 2017 19:56:57 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/think-the-mortgage-rates-you-find-online-are-always-accurate-think-again/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/think-the-mortgage-rates-you-find-online-are-always-accurate-think-again/]]></link>
			<title>Think the Mortgage Rates You Find Online are Always Accurate? Think Again.</title>
			<pubDate><![CDATA[Mon, 04 Sep 2017 19:55:10 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/new-debt-to-income-rules-a-bright-spot-for-potential-homebuyers/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/new-debt-to-income-rules-a-bright-spot-for-potential-homebuyers/]]></link>
			<title>New Debt-to-Income Rules a Bright Spot for Potential Homebuyers</title>
			<pubDate><![CDATA[Mon, 04 Sep 2017 19:47:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/wedding-gift-and-mortgages/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/wedding-gift-and-mortgages/]]></link>
			<title>The cold, hard truth about mortgages and gifts</title>
			<pubDate><![CDATA[Mon, 03 Apr 2017 18:06:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/buying-a-house-as-a-college-student/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/buying-a-house-as-a-college-student/]]></link>
			<title>Myth busted: Yes, you can buy a house while you’re a student</title>
			<pubDate><![CDATA[Mon, 03 Apr 2017 17:28:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.shikmarubin.com/what-are-some-of-the-key-components-that-cause-interest-rates-to-go-up-or-down/]]></guid>
			<link><![CDATA[https://www.shikmarubin.com/what-are-some-of-the-key-components-that-cause-interest-rates-to-go-up-or-down/]]></link>
			<title>What are some of the key components that cause interest rates to go up or down?</title>
			<pubDate><![CDATA[Fri, 02 Dec 2016 16:29:04 +0000]]></pubDate>
		</item>
				</channel>
</rss>
