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	<title>San Francisco Bungalow-Reflections on S.F. &#38; S.F. Peninsula Real Estate, Eco-Friendly Home Improvements, home buying, home selling &#38; S.F. Bay Area living! &#187; Cheryl Bower</title>
	<atom:link href="http://www.sfbungalow.com/author/admin/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.sfbungalow.com</link>
	<description>S.F. Realtor blogs about San Francisco Real Estate, Eco-friendly Home Improvement, home buying, home selling &#38; S.F. Bay Area living</description>
	<lastBuildDate>Wed, 28 Jul 2010 16:46:51 +0000</lastBuildDate>
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		<title>West Portal, SF Market Trends as of July 23, 2010</title>
		<link>http://www.sfbungalow.com/2010/07/23/west-portal-sf-market-trends-as-of-july-23-2010/</link>
		<comments>http://www.sfbungalow.com/2010/07/23/west-portal-sf-market-trends-as-of-july-23-2010/#comments</comments>
		<pubDate>Fri, 23 Jul 2010 20:45:56 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[home sales]]></category>
		<category><![CDATA[market trends]]></category>
		<category><![CDATA[sf home sales]]></category>
		<category><![CDATA[west portal home buying]]></category>
		<category><![CDATA[west portal home selling]]></category>
		<category><![CDATA[west portal real estate]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3248</guid>
		<description><![CDATA[

West Portal, SF Market Trends as of July 23, 2010
If you have a West Portal home that you are thinking about selling  now may be the perfect time.  There is solid buyer demand, the ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/07/23/west-portal-sf-market-trends-as-of-july-23-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Changes Coming in August to SFAR MLS Map Including renaming of S.F. neighborhoods</title>
		<link>http://www.sfbungalow.com/2010/07/16/changes-coming-in-august-to-sfar-mls-map-including-renaming-of-s-f-neighborhoods/</link>
		<comments>http://www.sfbungalow.com/2010/07/16/changes-coming-in-august-to-sfar-mls-map-including-renaming-of-s-f-neighborhoods/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 19:12:03 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Out & About]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[cole valley]]></category>
		<category><![CDATA[district map]]></category>
		<category><![CDATA[glen park]]></category>
		<category><![CDATA[Hayes Valley]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Noe Valley]]></category>
		<category><![CDATA[s.f. association of realtors]]></category>
		<category><![CDATA[s.f. real estate]]></category>
		<category><![CDATA[san francisco history]]></category>
		<category><![CDATA[sf neighborhoods]]></category>
		<category><![CDATA[sfar]]></category>
		<category><![CDATA[west portal]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3204</guid>
		<description><![CDATA[It's taken some time but the San Francisco Association of Realtors is updating the S.F. district map!

Now, it won't be all inclusive of the approximate 100+ names the locals have given (officially &#038; unofficially) but it's a start!]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/07/16/changes-coming-in-august-to-sfar-mls-map-including-renaming-of-s-f-neighborhoods/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mike &amp; Katie: First time buyers 6/2010</title>
		<link>http://www.sfbungalow.com/2010/07/12/mike-katie-first-time-buyers-62010/</link>
		<comments>http://www.sfbungalow.com/2010/07/12/mike-katie-first-time-buyers-62010/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 23:17:42 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Client Testimonials]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3193</guid>
		<description><![CDATA[

My wife and I counted our lucky stars when we had the privilege of  meeting and working with Cheryl Bower from Zephyr Real Estate. She was  recommended to us through a professional contact ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/07/12/mike-katie-first-time-buyers-62010/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Fantastic!  At long last San Mateo County communities will have single stream recycling available!</title>
		<link>http://www.sfbungalow.com/2010/07/06/fantastic-at-long-last-san-mateo-county-communities-will-have-single-stream-recycling-available/</link>
		<comments>http://www.sfbungalow.com/2010/07/06/fantastic-at-long-last-san-mateo-county-communities-will-have-single-stream-recycling-available/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 16:21:52 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Out & About]]></category>
		<category><![CDATA[composting]]></category>
		<category><![CDATA[environment]]></category>
		<category><![CDATA[garbage pick up]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[s.f.]]></category>
		<category><![CDATA[san mateo county]]></category>
		<category><![CDATA[waste reduction]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3161</guid>
		<description><![CDATA[Great news!  Recology will be the new service provider for garbage, recycling and compost pick up for San Mateo County residents.  Under the current service, pick up of recyclables happens bi-monthly which means multiple bins fill up &#038; sit at the side of our house.  Residents also have to sort paper from metals/plastics and pick up of compostable food waste is not a provided service.]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/07/06/fantastic-at-long-last-san-mateo-county-communities-will-have-single-stream-recycling-available/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>High Speed Rail &amp; Eminent Domain: What do you stand to lose?  Burlingame community meeting July 14th</title>
		<link>http://www.sfbungalow.com/2010/07/05/high-speed-rail-eminent-domain-what-do-you-stand-to-lose-burlingame-community-meeting-july-14th/</link>
		<comments>http://www.sfbungalow.com/2010/07/05/high-speed-rail-eminent-domain-what-do-you-stand-to-lose-burlingame-community-meeting-july-14th/#comments</comments>
		<pubDate>Mon, 05 Jul 2010 15:27:00 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Out & About]]></category>
		<category><![CDATA[attorney andrew turner]]></category>
		<category><![CDATA[burlingam]]></category>
		<category><![CDATA[burlingame]]></category>
		<category><![CDATA[California High Speed Rail Authority]]></category>
		<category><![CDATA[caltrain]]></category>
		<category><![CDATA[city of burlingame]]></category>
		<category><![CDATA[eminent domain]]></category>
		<category><![CDATA[high speed rail]]></category>
		<category><![CDATA[hsr]]></category>
		<category><![CDATA[peninsula businesses]]></category>
		<category><![CDATA[peninsula homes]]></category>
		<category><![CDATA[san mateo]]></category>
		<category><![CDATA[sf peninsula]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3145</guid>
		<description><![CDATA[The Community Coalition on High Speed Rail (CC-HSR) will present an informational program on High Speed Rail and Eminent Domain. You're invited! As many of you know, the California High Speed Rail Authority is proposing to build an elevated structure between San Jose and San Francisco along the present Caltrain corridor. If that proposal comes to pass (and it's not a "done deal" yet, and CC-HSR and other groups are fighting it), the Authority will need to take property from private parties along portions of the corridor. Some takings will be permanent but others will be for construction purposes only. In either event, these takings will have a significant impact on Peninsula homes and businesses.]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/07/05/high-speed-rail-eminent-domain-what-do-you-stand-to-lose-burlingame-community-meeting-july-14th/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Protected: Rental Application</title>
		<link>http://www.sfbungalow.com/2010/06/25/rental-application/</link>
		<comments>http://www.sfbungalow.com/2010/06/25/rental-application/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 22:43:16 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Seller/Buyer Resources]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3133</guid>
		<description><![CDATA[There is no excerpt because this is a protected post.]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/25/rental-application/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Lead Renovation, Repair and Painting Rule in Effect April 22, 2010</title>
		<link>http://www.sfbungalow.com/2010/06/22/new-lead-renovation-repair-and-painting-rule-in-effect-april-22-2010/</link>
		<comments>http://www.sfbungalow.com/2010/06/22/new-lead-renovation-repair-and-painting-rule-in-effect-april-22-2010/#comments</comments>
		<pubDate>Tue, 22 Jun 2010 15:20:11 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Eco-Friendly Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[home renovation]]></category>
		<category><![CDATA[lead]]></category>
		<category><![CDATA[Paint]]></category>
		<category><![CDATA[paint renovation]]></category>
		<category><![CDATA[pre-1978 housing]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3116</guid>
		<description><![CDATA[

New Lead Renovation, Repair and Painting Rule in Effect April 22, 2010 
If you own a pre-1978 home, here is new legislation which may impact your next renovation project.

As provided by SFAR:
The Federal Lead-Based Paint ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/22/new-lead-renovation-repair-and-painting-rule-in-effect-april-22-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Action Alert &#8211; Update on Condo Bypass for TIC owners in S.F.</title>
		<link>http://www.sfbungalow.com/2010/06/14/action-alert-update-on-condo-bypass-for-tic-owners-in-s-f/</link>
		<comments>http://www.sfbungalow.com/2010/06/14/action-alert-update-on-condo-bypass-for-tic-owners-in-s-f/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 15:44:21 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[condo bypass]]></category>
		<category><![CDATA[condo conversion]]></category>
		<category><![CDATA[plan c]]></category>
		<category><![CDATA[S.F. homeowners]]></category>
		<category><![CDATA[s.f. real estate]]></category>
		<category><![CDATA[s.f. tenants]]></category>
		<category><![CDATA[sf budget]]></category>
		<category><![CDATA[sf revenue]]></category>
		<category><![CDATA[TIC]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3081</guid>
		<description><![CDATA[

Action Alert &#8211; Condo Bypass for TIC owners in S.F.

Here&#8217;s the scoop for S.F. homeowners as provided by Plan C:
We have good news to report regarding the proposed one time &#8220;condo bypass&#8221; for TIC owners, ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/14/action-alert-update-on-condo-bypass-for-tic-owners-in-s-f/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Laura: condo buyer 3/2009</title>
		<link>http://www.sfbungalow.com/2010/06/10/janet-condo-buyer-32009/</link>
		<comments>http://www.sfbungalow.com/2010/06/10/janet-condo-buyer-32009/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 05:21:41 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Client Testimonials]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3074</guid>
		<description><![CDATA[

I found Cheryl online when I was looking for an agent to help me find  and purchase a condo. Cheryl made the home buying experience positive  from start to finish. I found her ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/10/janet-condo-buyer-32009/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tiffani &amp; Rich- first time buyers 5/2010</title>
		<link>http://www.sfbungalow.com/2010/06/10/tiffani-rich-first-time-buyers/</link>
		<comments>http://www.sfbungalow.com/2010/06/10/tiffani-rich-first-time-buyers/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 05:18:40 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Client Testimonials]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3068</guid>
		<description><![CDATA[

Cheryl was an absolute godsend in the house buying process. She  was recommended as a professional recommendation and was perfect.   She&#8217;s kind, patient, and caring&#8230;even with our numerous questions.  We loved using Docusign; ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/10/tiffani-rich-first-time-buyers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What a great eco-friendly, affordable idea!  ZippGo: Green, Plastic moving boxes</title>
		<link>http://www.sfbungalow.com/2010/06/09/what-a-great-eco-friendly-affordable-idea-zippgo-green-plastic-moving-boxes/</link>
		<comments>http://www.sfbungalow.com/2010/06/09/what-a-great-eco-friendly-affordable-idea-zippgo-green-plastic-moving-boxes/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 17:31:18 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Eco-Friendly Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[docusign]]></category>
		<category><![CDATA[e-signature]]></category>
		<category><![CDATA[eco-friendly moving]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[moving boxes]]></category>
		<category><![CDATA[paperless real estate transaction]]></category>
		<category><![CDATA[plastic moving boxes]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[reusable moving boxes]]></category>
		<category><![CDATA[reuse]]></category>
		<category><![CDATA[San Francisco]]></category>
		<category><![CDATA[zephyr real estate]]></category>
		<category><![CDATA[zippgo]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3046</guid>
		<description><![CDATA[


What a great eco-friendly, affordable idea!  ZippGo: Green, Plastic moving boxes


In my internet meandering this morning I came across this great eco-friendly, affordable moving resource:  ZippGo
Here&#8217;s their scoop:

Moving is complicated and wasteful &#8211; we  ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/09/what-a-great-eco-friendly-affordable-idea-zippgo-green-plastic-moving-boxes/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Plug/video for my new listing: Stylish city view condo for sale at The Hayes!</title>
		<link>http://www.sfbungalow.com/2010/06/05/plugvideo-for-my-new-listing-stylish-city-view-condo-for-sale-at-the-hayes/</link>
		<comments>http://www.sfbungalow.com/2010/06/05/plugvideo-for-my-new-listing-stylish-city-view-condo-for-sale-at-the-hayes/#comments</comments>
		<pubDate>Sat, 05 Jun 2010 17:56:59 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Out & About]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[downtown]]></category>
		<category><![CDATA[Duboce Park]]></category>
		<category><![CDATA[Hayes Valley]]></category>
		<category><![CDATA[imovie]]></category>
		<category><![CDATA[Inner Mission]]></category>
		<category><![CDATA[iphoto]]></category>
		<category><![CDATA[mac]]></category>
		<category><![CDATA[real estate marketing]]></category>
		<category><![CDATA[real estate video]]></category>
		<category><![CDATA[s.f. real estate]]></category>
		<category><![CDATA[soma]]></category>
		<category><![CDATA[the Castro]]></category>
		<category><![CDATA[the hayes]]></category>
		<category><![CDATA[Valencia St.]]></category>
		<category><![CDATA[video]]></category>
		<category><![CDATA[view condo]]></category>
		<category><![CDATA[walkscore]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=3017</guid>
		<description><![CDATA[

I love, love, love my Mac!!!  Check out my first video created via iMovie &#38; pics uploaded from iPhoto.  Super easy; still needs some tweaking.  What do you think?
I sense a pet video is next ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/06/05/plugvideo-for-my-new-listing-stylish-city-view-condo-for-sale-at-the-hayes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Wills and Trusts</title>
		<link>http://www.sfbungalow.com/2010/05/26/understanding-wills-and-trusts/</link>
		<comments>http://www.sfbungalow.com/2010/05/26/understanding-wills-and-trusts/#comments</comments>
		<pubDate>Wed, 26 May 2010 22:28:58 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Investor Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[1031 exchange]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[living trusts]]></category>
		<category><![CDATA[trusts]]></category>
		<category><![CDATA[wills]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2981</guid>
		<description><![CDATA[

As provided by Leonard Spoto of Asset Exchange Company :
Many of our 1031 Exchange clients hold title to their investment property in a Trust.  To understand why, it may make sense to review the basic ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/26/understanding-wills-and-trusts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>San Francisco Homeowners Have New Way to Pay for Going Green</title>
		<link>http://www.sfbungalow.com/2010/05/24/san-francisco-homeowners-have-new-way-to-pay-for-going-green/</link>
		<comments>http://www.sfbungalow.com/2010/05/24/san-francisco-homeowners-have-new-way-to-pay-for-going-green/#comments</comments>
		<pubDate>Mon, 24 May 2010 23:01:05 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Eco-Friendly Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[energy-efficient appliances]]></category>
		<category><![CDATA[GreenFinanceSF]]></category>
		<category><![CDATA[greening your sf home]]></category>
		<category><![CDATA[low-flow toilets.]]></category>
		<category><![CDATA[San Francisco homeowners]]></category>
		<category><![CDATA[sf eco-friendly resources]]></category>
		<category><![CDATA[solar panels]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2963</guid>
		<description><![CDATA[


As provided by SFAR:
San Francisco homeowners have a new way of paying for solar panels, energy-efficient appliances and low-flow toilets.
A new city-run program, GreenFinanceSF, will give San Franciscans the money to pay for such projects ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/24/san-francisco-homeowners-have-new-way-to-pay-for-going-green/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No More State Tax on Forgiven Debt as of SB 401 approved  April, 2010</title>
		<link>http://www.sfbungalow.com/2010/05/24/no-more-state-tax-on-forgiven-debt-as-of-sb-401-approved-april-2010/</link>
		<comments>http://www.sfbungalow.com/2010/05/24/no-more-state-tax-on-forgiven-debt-as-of-sb-401-approved-april-2010/#comments</comments>
		<pubDate>Mon, 24 May 2010 17:52:35 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Seller Resources]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[forgiven debt]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[principal residence]]></category>
		<category><![CDATA[senate bill 401]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2952</guid>
		<description><![CDATA[

Details as provided by SFAR:
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.
Enacted into law on Monday (April 12, 2010), Senate Bill ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/24/no-more-state-tax-on-forgiven-debt-as-of-sb-401-approved-april-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage</title>
		<link>http://www.sfbungalow.com/2010/05/24/weekly-hot-rates-for-the-week-ending-5182010-as-provided-by-guarantee-mortgage/</link>
		<comments>http://www.sfbungalow.com/2010/05/24/weekly-hot-rates-for-the-week-ending-5182010-as-provided-by-guarantee-mortgage/#comments</comments>
		<pubDate>Mon, 24 May 2010 16:42:49 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[conforming loans]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[loan rate mortgage rates]]></category>
		<category><![CDATA[mortgage calculator]]></category>
		<category><![CDATA[mortgage news]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2942</guid>
		<description><![CDATA[


WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage



30 Yr Fixed Conforming to $417K           4.625% 
 &#8220;1.000&#8243; POINTS APR = 4.820%
30 Yr Fixed Jumbo to $729,750 4.750%
&#8220;1.000&#8243; POINTS APR= 5.080%
30 Year ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/24/weekly-hot-rates-for-the-week-ending-5182010-as-provided-by-guarantee-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why hiring a mortgage broker vs. working with a direct lender makes sense in today&#8217;s market</title>
		<link>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/</link>
		<comments>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/#comments</comments>
		<pubDate>Thu, 20 May 2010 20:44:19 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[big box lender]]></category>
		<category><![CDATA[lending industry]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[san francisco real estate]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2884</guid>
		<description><![CDATA[


 

Why hiring a mortgage broker vs. working with a direct lender makes sense in today&#8217;s market!


As provided by the fine folks at Guarantee Mortgage (my comments are in red):


1.  Mortgage Brokers are trained to ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Details of the March 2010 California Tax Credit for New Home / First-Time Buyers</title>
		<link>http://www.sfbungalow.com/2010/05/20/details-of-the-march-2010-california-tax-credit-for-new-home-first-time-buyers/</link>
		<comments>http://www.sfbungalow.com/2010/05/20/details-of-the-march-2010-california-tax-credit-for-new-home-first-time-buyers/#comments</comments>
		<pubDate>Thu, 20 May 2010 19:08:37 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[2010 first time buyer state tax credit]]></category>
		<category><![CDATA[2010 new home credit]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[franchise tax board]]></category>
		<category><![CDATA[principal residence]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2795</guid>
		<description><![CDATA[


On March 25, 2010 California approved a new $10,000 First-Time Homebuyer  tax credit for purchases that close escrow on or after May 1, 2010.  (Cal. Rev. &#38; Tax Code § 17059.1)
For full details ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/20/details-of-the-march-2010-california-tax-credit-for-new-home-first-time-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CAR-Sponsored Bill to Protect Borrowers from Lenders—Call Your State Senator Today</title>
		<link>http://www.sfbungalow.com/2010/05/19/car-sponsored-bill-to-protect-borrowers-from-lenders%e2%80%94call-your-state-senator-today/</link>
		<comments>http://www.sfbungalow.com/2010/05/19/car-sponsored-bill-to-protect-borrowers-from-lenders%e2%80%94call-your-state-senator-today/#comments</comments>
		<pubDate>Wed, 19 May 2010 16:35:13 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[California Association of REALTORS®]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[deficiency debt]]></category>
		<category><![CDATA[non-recourse debt]]></category>
		<category><![CDATA[Protect Borrowers from Lenders]]></category>
		<category><![CDATA[purchase money mortgages]]></category>
		<category><![CDATA[SB 1178]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2852</guid>
		<description><![CDATA[


CAR-Sponsored Bill to Protect Borrowers from Lenders—Call Your State Senator Today
As shared by SFAR:

The California Association of REALTORS® (CAR) is sponsoring SB 1178 (Corbett) to extend anti-deficiency protection to homeowners who had refinanced from “purchase ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/19/car-sponsored-bill-to-protect-borrowers-from-lenders%e2%80%94call-your-state-senator-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Median Sales Price Continues Its Upward Trend In San Francisco’s Housing Market</title>
		<link>http://www.sfbungalow.com/2010/05/19/median-sales-price-continues-its-upward-trend-in-san-francisco%e2%80%99s-housing-market/</link>
		<comments>http://www.sfbungalow.com/2010/05/19/median-sales-price-continues-its-upward-trend-in-san-francisco%e2%80%99s-housing-market/#comments</comments>
		<pubDate>Wed, 19 May 2010 15:05:05 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[low mortgage rates]]></category>
		<category><![CDATA[median home price increases]]></category>
		<category><![CDATA[Median Sales Price]]></category>
		<category><![CDATA[multiple offers]]></category>
		<category><![CDATA[s.f. homes]]></category>
		<category><![CDATA[San Francisco Housing Market]]></category>
		<category><![CDATA[sf condos]]></category>
		<category><![CDATA[tax incentives]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2837</guid>
		<description><![CDATA[

Median Sales Price Continues Its Upward Trend
In San Francisco’s Housing Market



Here&#8217;s the scoop as provided by SFAR:

SAN FRANCISCO, CA, May 17, 2010 &#8211; Healthy sales activity, driven by low mortgage rates, tax incentives, and attractive ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/19/median-sales-price-continues-its-upward-trend-in-san-francisco%e2%80%99s-housing-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>San Bruno, CA: condo market trends report week of 5/18/10</title>
		<link>http://www.sfbungalow.com/2010/05/18/san-bruno-ca-condo-market-trends-report-week-of-51810/</link>
		<comments>http://www.sfbungalow.com/2010/05/18/san-bruno-ca-condo-market-trends-report-week-of-51810/#comments</comments>
		<pubDate>Tue, 18 May 2010 15:32:34 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[San Bruno]]></category>
		<category><![CDATA[san bruno condo market]]></category>
		<category><![CDATA[san bruno market trends]]></category>
		<category><![CDATA[san bruno real estate]]></category>
		<category><![CDATA[san bruno short sales]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2802</guid>
		<description><![CDATA[

When I&#8217;m working with buyers or sellers, I run market trend reports for both the city/community and the specific neighborhood (if there is enough data) in addition to checking comps.  It&#8217;s important to keep in ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/18/san-bruno-ca-condo-market-trends-report-week-of-51810/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dear Big Lender, I am deleting all of your related posts from my blog &amp; will be giving any clients considering you for a loan/services a reality check</title>
		<link>http://www.sfbungalow.com/2010/05/12/dear-big-lender-i-am-deleting-all-of-your-related-posts-from-my-blog-will-be-giving-any-clients-considering-you-for-a-loan-a-reality-check/</link>
		<comments>http://www.sfbungalow.com/2010/05/12/dear-big-lender-i-am-deleting-all-of-your-related-posts-from-my-blog-will-be-giving-any-clients-considering-you-for-a-loan-a-reality-check/#comments</comments>
		<pubDate>Wed, 12 May 2010 20:51:34 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Notes from the Field]]></category>
		<category><![CDATA[big lender fumbles]]></category>
		<category><![CDATA[double app]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2740</guid>
		<description><![CDATA[

I&#8217;ve been pulled out from my temporary blogging hiatus by a post which has been brought on by the incredibly poor communication and service that buyers who are in contract on a property are encountering ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/12/dear-big-lender-i-am-deleting-all-of-your-related-posts-from-my-blog-will-be-giving-any-clients-considering-you-for-a-loan-a-reality-check/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Interest rates for security deposits as per the S.F. Rent Board</title>
		<link>http://www.sfbungalow.com/2010/04/26/interest-rates-for-security-deposits-as-per-the-s-f-rent-board/</link>
		<comments>http://www.sfbungalow.com/2010/04/26/interest-rates-for-security-deposits-as-per-the-s-f-rent-board/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 16:24:25 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Investor Resources]]></category>
		<category><![CDATA[security deposits]]></category>
		<category><![CDATA[sf rent board]]></category>
		<category><![CDATA[sf rental property]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2683</guid>
		<description><![CDATA[



Below are the interest rates up to 2/29/11 for security deposits as per the S.F. Rent Board.
New Interest Rate for  Deposits


Pursuant to Chapter 49 of the San  Francisco Administrative Code

3/1/10 &#8211; 2/28/11 0.9%

3/1/09 ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/04/26/interest-rates-for-security-deposits-as-per-the-s-f-rent-board/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The FHA approves using Docusign!</title>
		<link>http://www.sfbungalow.com/2010/04/11/the-fha-approves-using-docusign/</link>
		<comments>http://www.sfbungalow.com/2010/04/11/the-fha-approves-using-docusign/#comments</comments>
		<pubDate>Sun, 11 Apr 2010 18:40:49 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Eco-Friendly Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[conservation]]></category>
		<category><![CDATA[docusign]]></category>
		<category><![CDATA[eco-friendly]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[paper]]></category>
		<category><![CDATA[paperless real estate transaction]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2621</guid>
		<description><![CDATA[

Very exciting news came through this week from Docusign! 
On April 8, 2010,  e-signed third-party documents, including real estate contracts, are now  being accepted by the Federal Housing Administration (FHA) with the  ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/04/11/the-fha-approves-using-docusign/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What an amazingly beautiful day in San Francisco!</title>
		<link>http://www.sfbungalow.com/2010/03/13/what-an-amazingly-beautiful-day-in-san-francisco/</link>
		<comments>http://www.sfbungalow.com/2010/03/13/what-an-amazingly-beautiful-day-in-san-francisco/#comments</comments>
		<pubDate>Sun, 14 Mar 2010 01:58:17 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Out & About]]></category>
		<category><![CDATA[dogs]]></category>
		<category><![CDATA[s.f. real estate]]></category>
		<category><![CDATA[s.f. weather]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2529</guid>
		<description><![CDATA[



Today was an amazingly beautiful, sunny, clear day after Friday&#8217;s big storm cleared through.
These dog kids were certainly happy as was I showing fabulous San Francisco real estate with crystal clear views of Marin County ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/03/13/what-an-amazingly-beautiful-day-in-san-francisco/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010</title>
		<link>http://www.sfbungalow.com/2010/03/12/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-3122010/</link>
		<comments>http://www.sfbungalow.com/2010/03/12/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-3122010/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 00:24:47 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan calculator]]></category>
		<category><![CDATA[loan limits]]></category>
		<category><![CDATA[market data]]></category>
		<category><![CDATA[mortgage calculator]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[s.f. real estate]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2513</guid>
		<description><![CDATA[


Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010


Wow!!!  Look at these rates.  No wonder why my buyers are dealing with multiple offers.  Super low interest rates and spring buying season are creating ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/03/12/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-3122010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRS Issues New Guidelines on Obtaining Home Buyer Tax Credits</title>
		<link>http://www.sfbungalow.com/2010/03/03/irs-issues-new-guidelines-on-obtaining-home-buyer-tax-credits/</link>
		<comments>http://www.sfbungalow.com/2010/03/03/irs-issues-new-guidelines-on-obtaining-home-buyer-tax-credits/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 17:05:53 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[home buyer tax credit]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[repeat buyer]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2485</guid>
		<description><![CDATA[

 As provided by S.F. Association of Realtors:
The Internal Revenue Service (IRS) recently issued new guidelines and clarified documentation that taxpayers must submit to successfully obtain the federal tax credit for home buyers.
The federal tax ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/03/03/irs-issues-new-guidelines-on-obtaining-home-buyer-tax-credits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thinking about window replacement for your home?  Which product is best? Vinyl vs. aluminum clad/wood vs. all wood</title>
		<link>http://www.sfbungalow.com/2010/02/21/thinking-about-window-replacement-for-your-home-which-product-is-best-vinyl-vs-aluminum-cladwood-vs-all-wood/</link>
		<comments>http://www.sfbungalow.com/2010/02/21/thinking-about-window-replacement-for-your-home-which-product-is-best-vinyl-vs-aluminum-cladwood-vs-all-wood/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 19:57:50 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Eco-Friendly Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[aluminum clad windows]]></category>
		<category><![CDATA[double hung windows]]></category>
		<category><![CDATA[dual paned windows]]></category>
		<category><![CDATA[home renovation]]></category>
		<category><![CDATA[vinyl windows]]></category>
		<category><![CDATA[window replacement]]></category>
		<category><![CDATA[wood windows]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2399</guid>
		<description><![CDATA[

This post is long over due &#38; is inspired by a first time buyer couple that I&#8217;m working with.  We&#8217;ve been looking at a handful of pre-40&#8242;s homes with various interpretations of owners updating, renovating ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/02/21/thinking-about-window-replacement-for-your-home-which-product-is-best-vinyl-vs-aluminum-cladwood-vs-all-wood/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Interest Rates from Guarantee Mortgage for the week ending 2/5/2010</title>
		<link>http://www.sfbungalow.com/2010/02/10/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-252010/</link>
		<comments>http://www.sfbungalow.com/2010/02/10/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-252010/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 01:32:09 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[conforming loans]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[mortgage interest rates]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2308</guid>
		<description><![CDATA[



Mortgage Interest Rates from Guarantee Mortgage for the week ending 2/5/2010




30 Yr Fixed Conforming to $417K           4.625%
&#8220;0.625&#8243; POINTS APR = 4.774%
30 Yr Fixed Jumbo to $729,750.             4.875%
&#8220;0.625&#8243; POINTS APR ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/02/10/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-252010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>S.F., CA new condo development Infinity Towers have been selling like hotcakes!</title>
		<link>http://www.sfbungalow.com/2010/02/09/s-f-ca-new-condo-development-infinity-towers-have-been-selling-like-hotcakes/</link>
		<comments>http://www.sfbungalow.com/2010/02/09/s-f-ca-new-condo-development-infinity-towers-have-been-selling-like-hotcakes/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 01:24:00 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[condos]]></category>
		<category><![CDATA[Infinity Towers]]></category>
		<category><![CDATA[luxury condos]]></category>
		<category><![CDATA[mission bay]]></category>
		<category><![CDATA[s.f. view condos]]></category>
		<category><![CDATA[s.f. view homes]]></category>
		<category><![CDATA[SF new residential development]]></category>
		<category><![CDATA[soma]]></category>
		<category><![CDATA[south beach]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2288</guid>
		<description><![CDATA[

If you are looking for that special place which offers ultimate, luxurious S.F. urban living &#38; amazing S.F. Bay views, look no further than the Infinity Towers in S.F.







www.youtube.com/watch?v=Tuwl-ziWf2M
You will have to hurry since there ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/02/09/s-f-ca-new-condo-development-infinity-towers-have-been-selling-like-hotcakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
