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	Well, now that the ghosts and goblins have all settled down since Halloween....it's now time to get prepared for the upcoming busy holiday season! I've included a few goodies in this Moosletter that I hope you'll find informative and enjoyable! -Kathy

FHA Commissioner Announces Changes to FHA Programs
	Brian Montgomery, head of the mortgage loan insurance programs at the Federal Housing Administration, announced significant changes that will make it easier for consumers to use and Realtors� to promote FHA products. Speaking at a forum during the 2005 REALTORS� Conference & Expo here, Montgomery, assistant secretary for housing-Federal Housing Commissioner at the Department of Housing and Urban Development, said FHA will no longer have specialized FHA appraisals and will allow homebuyers to fold into their mortgage up to $35,000 in home repairs or minor remodeling.
	Read on...

Don't know what to make for Thanksgiving?
	Tired of the same old holiday routine? How about a sweet potato chiffonade pie? Courtesy of Everyone's Favorite Chef, Emeril Lagasse, this side dish is sure to please!
	Read on...

:: kathy@smith.net

:: http://www.kathy.smith.net

Kathy Smith
Russell & Jeffcoat Realtors
St. Andrews Rd. Columbia, SC
Office: (803) 781-5729 � Toll Free (888) 808-4MOO

E-Mail: kathy@smith.net

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