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  <title>Where Do We Start?</title>

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  <itunes:author>Todd Cooke &amp; Kyle Rictor</itunes:author>
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  <description><![CDATA[Todd Cooke and Kyle Rictor -  mortgage loan officers in New England - sit down with key players in the real estate world to talk. ]]></description>
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    <itunes:title>The New Years Eve 2022 Episode</itunes:title>
    <title>The New Years Eve 2022 Episode</title>
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    <itunes:title>Jennifer Jackson - Real Estate Agent</itunes:title>
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    <itunes:summary><![CDATA[On this episode, Todd and Kyle speak with Berkshire Hathaway Real Estate agent, Jennifer Jackson about the rivalry between Rhode Island and Connecticut, Shawshank Redemption, nightmare deals and the joy of smoking cigarettes on your last day on Earth. Enjoy!  ]]></itunes:summary>
    <description><![CDATA[<p>On this episode, Todd and Kyle speak with Berkshire Hathaway Real Estate agent, Jennifer Jackson about the rivalry between Rhode Island and Connecticut, Shawshank Redemption, nightmare deals and the joy of smoking cigarettes on your last day on Earth. Enjoy! </p>]]></description>
    <content:encoded><![CDATA[<p>On this episode, Todd and Kyle speak with Berkshire Hathaway Real Estate agent, Jennifer Jackson about the rivalry between Rhode Island and Connecticut, Shawshank Redemption, nightmare deals and the joy of smoking cigarettes on your last day on Earth. Enjoy! </p>]]></content:encoded>
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    <pubDate>Tue, 27 Dec 2022 00:00:00 -0500</pubDate>
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    <itunes:title>Joe Murphy - Real Estate Agent</itunes:title>
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    <itunes:summary><![CDATA[Todd and Kyle interview CR Premier agent, Joe Murphy. Joe was in high finance for years before making the jump to full-time realtor. He also owns and operates Dayspring Farm right here in northeastern Connecticut. Find out more about Joe and what he's up to at www.joemurphyrealtor.com.  ]]></itunes:summary>
    <description><![CDATA[<p>Todd and Kyle interview CR Premier agent, Joe Murphy. Joe was in high finance for years before making the jump to full-time realtor. He also owns and operates Dayspring Farm right here in northeastern Connecticut. Find out more about Joe and what he&apos;s up to at <a href='http://www.dayspringfarm.com'>www.joemurphyrealtor.com.</a> </p>]]></description>
    <content:encoded><![CDATA[<p>Todd and Kyle interview CR Premier agent, Joe Murphy. Joe was in high finance for years before making the jump to full-time realtor. He also owns and operates Dayspring Farm right here in northeastern Connecticut. Find out more about Joe and what he&apos;s up to at <a href='http://www.dayspringfarm.com'>www.joemurphyrealtor.com.</a> </p>]]></content:encoded>
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    <pubDate>Tue, 08 Nov 2022 12:00:00 -0500</pubDate>
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    <itunes:title>Underwriting Challenges, Enneagram Tests and Over Easy Eggs</itunes:title>
    <title>Underwriting Challenges, Enneagram Tests and Over Easy Eggs</title>
    <itunes:summary><![CDATA[Todd and Kyle talk about the challenging nature of automated underwriting in a volatile market.  ]]></itunes:summary>
    <description><![CDATA[<p>Todd and Kyle talk about the challenging nature of automated underwriting in a volatile market. </p>]]></description>
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    <pubDate>Tue, 25 Oct 2022 12:00:00 -0400</pubDate>
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    <itunes:title>Curating Referral Partners</itunes:title>
    <title>Curating Referral Partners</title>
    <itunes:summary><![CDATA[Todd and Kyle discuss whether any and every referral partner is a good partner to have? Or do we dare curate the people we choose to grow with professionally?  ]]></itunes:summary>
    <description><![CDATA[<p>Todd and Kyle discuss whether any and every referral partner is a good partner to have? Or do we dare curate the people we choose to grow with professionally? </p>]]></description>
    <content:encoded><![CDATA[<p>Todd and Kyle discuss whether any and every referral partner is a good partner to have? Or do we dare curate the people we choose to grow with professionally? </p>]]></content:encoded>
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    <itunes:title>Help Us Help You</itunes:title>
    <title>Help Us Help You</title>
    <itunes:summary><![CDATA[On this episode, Todd and Kyle discuss working with "help phobic" borrowers. You can lead a horse to water, but you can't make him give you his bank statements.  ]]></itunes:summary>
    <description><![CDATA[<p>On this episode, Todd and Kyle discuss working with &quot;help phobic&quot; borrowers. You can lead a horse to water, but you can&apos;t make him give you his bank statements. </p>]]></description>
    <content:encoded><![CDATA[<p>On this episode, Todd and Kyle discuss working with &quot;help phobic&quot; borrowers. You can lead a horse to water, but you can&apos;t make him give you his bank statements. </p>]]></content:encoded>
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    <pubDate>Tue, 23 Aug 2022 00:00:00 -0400</pubDate>
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    <itunes:title>Fannie Mae, the VA, Appraisals, Customer Service - and lots of other things!</itunes:title>
    <title>Fannie Mae, the VA, Appraisals, Customer Service - and lots of other things!</title>
    <itunes:summary><![CDATA[Todd &amp; Kyle cover a wide range of mortgage and lending topics from appraisals to red flags - Fannie Mae vs VA customer service and all things in between. Join the conversation, get up to speed and enjoy this episode of Where Do We Start.   New element - using a sound effect to cover names who we haven't received consent to use yet.  ]]></itunes:summary>
    <description><![CDATA[<p>Todd &amp; Kyle cover a wide range of mortgage and lending topics from appraisals to red flags - Fannie Mae vs VA customer service and all things in between. Join the conversation, get up to speed and enjoy this episode of Where Do We Start. <br/><br/><em>New element - using a sound effect to cover names who we haven&apos;t received consent to use yet. </em></p>]]></description>
    <content:encoded><![CDATA[<p>Todd &amp; Kyle cover a wide range of mortgage and lending topics from appraisals to red flags - Fannie Mae vs VA customer service and all things in between. Join the conversation, get up to speed and enjoy this episode of Where Do We Start. <br/><br/><em>New element - using a sound effect to cover names who we haven&apos;t received consent to use yet. </em></p>]]></content:encoded>
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    <itunes:author>Todd Cooke &amp; Kyle Rictor</itunes:author>
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    <pubDate>Tue, 12 Jul 2022 15:00:00 -0400</pubDate>
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    <itunes:title>LA Is Awesome, The Homeless Epidemic Is Not.</itunes:title>
    <title>LA Is Awesome, The Homeless Epidemic Is Not.</title>
    <itunes:summary><![CDATA[Kyle's recent trip to LA leads the guys down a rabbit hole discussing homelessness in urban areas in general and how it's an epidemic in our country. And how this unfortunate circumstance is a tough one to solve - let's discuss! ]]></itunes:summary>
    <description><![CDATA[<p>Kyle&apos;s recent trip to LA leads the guys down a rabbit hole discussing homelessness in urban areas in general and how it&apos;s an epidemic in our country. And how this unfortunate circumstance is a tough one to solve - let&apos;s discuss!</p>]]></description>
    <content:encoded><![CDATA[<p>Kyle&apos;s recent trip to LA leads the guys down a rabbit hole discussing homelessness in urban areas in general and how it&apos;s an epidemic in our country. And how this unfortunate circumstance is a tough one to solve - let&apos;s discuss!</p>]]></content:encoded>
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    <pubDate>Tue, 05 Jul 2022 13:00:00 -0400</pubDate>
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    <itunes:duration>1260</itunes:duration>
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    <itunes:title>Prospecting Open Houses</itunes:title>
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    <itunes:summary><![CDATA[Today Todd and Kyle discuss showing up to open houses unannounced to meet with real estate agents to build relationships.  ]]></itunes:summary>
    <description><![CDATA[<p>Today Todd and Kyle discuss showing up to open houses unannounced to meet with real estate agents to build relationships. </p>]]></description>
    <content:encoded><![CDATA[<p>Today Todd and Kyle discuss showing up to open houses unannounced to meet with real estate agents to build relationships. </p>]]></content:encoded>
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    <pubDate>Tue, 07 Jun 2022 16:00:00 -0400</pubDate>
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    <itunes:episode>3</itunes:episode>
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    <itunes:title>Is Now a Bad Time To Buy? </itunes:title>
    <title>Is Now a Bad Time To Buy? </title>
    <itunes:summary><![CDATA[What do you think? Is now a bad time to buy a home? Todd &amp; Kyle discuss their thoughts on the current housing market.  ]]></itunes:summary>
    <description><![CDATA[<p>What do you think? Is now a bad time to buy a home? Todd &amp; Kyle discuss their thoughts on the current housing market. </p>]]></description>
    <content:encoded><![CDATA[<p>What do you think? Is now a bad time to buy a home? Todd &amp; Kyle discuss their thoughts on the current housing market. </p>]]></content:encoded>
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    <pubDate>Wed, 18 May 2022 14:00:00 -0400</pubDate>
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    <itunes:episode>2</itunes:episode>
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    <itunes:title>Type D Personality</itunes:title>
    <title>Type D Personality</title>
    <itunes:summary><![CDATA[Welcome to the very first episode of "Where Do We Start?" with Todd &amp; Kyle!  Today, Todd and Kyle consider the differences in personality types and how that can play into working with their clients.  ]]></itunes:summary>
    <description><![CDATA[<p>Welcome to the very first episode of &quot;Where Do We Start?&quot; with Todd &amp; Kyle!<br/><br/>Today, Todd and Kyle consider the differences in personality types and how that can play into working with their clients. </p>]]></description>
    <content:encoded><![CDATA[<p>Welcome to the very first episode of &quot;Where Do We Start?&quot; with Todd &amp; Kyle!<br/><br/>Today, Todd and Kyle consider the differences in personality types and how that can play into working with their clients. </p>]]></content:encoded>
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    <pubDate>Wed, 04 May 2022 11:00:00 -0400</pubDate>
    <itunes:duration>561</itunes:duration>
    <itunes:keywords>real estate, mortgage, finance, home buying, home, house</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
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    <title>Teaser - Where Do We Start?</title>
    <itunes:summary><![CDATA[COMING SOON! Where Do We Start? With Todd &amp; Kyle ]]></itunes:summary>
    <description><![CDATA[<p>COMING SOON! Where Do We Start? With Todd &amp; Kyle</p>]]></description>
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    <pubDate>Tue, 26 Apr 2022 16:00:00 -0400</pubDate>
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