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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; Buyer Resources</title>
	<atom:link href="http://www.sfbungalow.com/category/buyer-resourcesforrealestate/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>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>The Right Way To Take A Cash Gift For Downpayment</title>
		<link>http://www.sfbungalow.com/2010/05/27/the-right-way-to-take-a-cash-gift-for-downpayment/</link>
		<comments>http://www.sfbungalow.com/2010/05/27/the-right-way-to-take-a-cash-gift-for-downpayment/#comments</comments>
		<pubDate>Thu, 27 May 2010 15:55:08 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Cash Gifts]]></category>
		<category><![CDATA[Gift Letter]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/mortgage-guidelines/cash-gift-downpayment-accept/</guid>
		<description><![CDATA[As lenders tighten mortgage guidelines, minimum downpayment requirements are increasing. It's leading to an increase in the number of buyers accepting cash gifts from family. There's a right and wrong way to accept a gift.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/how-to-receive-a-cash-gift-for-downpayment/' rel='bookmark' title='Permanent Link: How To Receive A Cash Gift For Downpayment'>How To Receive A Cash Gift For Downpayment</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/the-proper-way-to-give-and-receive-gifts-for-downpayments/' rel='bookmark' title='Permanent Link: The Proper Way To Give And Receive Gifts For Downpayments'>The Proper Way To Give And Receive Gifts For Downpayments</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/fha-bans-seller-financed-downpayment-assistance-programs/' rel='bookmark' title='Permanent Link: FHA Bans Seller-Financed Downpayment Assistance Programs'>FHA Bans Seller-Financed Downpayment Assistance Programs</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/27/the-right-way-to-take-a-cash-gift-for-downpayment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Mortgage Approval Isn’t Final Until It’s Funded</title>
		<link>http://www.sfbungalow.com/2010/05/17/your-mortgage-approval-isn%e2%80%99t-final-until-it%e2%80%99s-funded/</link>
		<comments>http://www.sfbungalow.com/2010/05/17/your-mortgage-approval-isn%e2%80%99t-final-until-it%e2%80%99s-funded/#comments</comments>
		<pubDate>Mon, 17 May 2010 18:55:05 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan approval]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>
		<category><![CDATA[MSN Money]]></category>
		<category><![CDATA[Pre-approval]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/mortgage-guidelines/home-loan-approval-get-approved/</guid>
		<description><![CDATA[A mortgage approval is never final until it's funded. A host of things can "go wrong" while your home loan is underway. Some are in your control, many more are not.  And just being aware of some potential pitfalls could help save your loan down the road, and your peace of mind today.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/did-you-know-the-lifespan-of-a-mortgage-approval/' rel='bookmark' title='Permanent Link: Did You Know : The Lifespan Of A Mortgage Approval'>Did You Know : The Lifespan Of A Mortgage Approval</a></li>
<li><a href='http://www.michaelhaighteam.com/mortgage-guidelines/pre-approval-strategy/' rel='bookmark' title='Permanent Link: It&#8217;s Time To Re-Approve Your Pre-Approval'>It&#8217;s Time To Re-Approve Your Pre-Approval</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/6-things-to-avoid-while-waiting-for-a-mortgage-approval/' rel='bookmark' title='Permanent Link: 6 Things To Avoid While Waiting For A Mortgage Approval'>6 Things To Avoid While Waiting For A Mortgage Approval</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What should I expect from my insurance agent/agency when I buy a new home?</title>
		<link>http://www.sfbungalow.com/2010/05/14/what-should-i-expect-from-my-insurance-agentagency-when-i-buy-a-new-home/</link>
		<comments>http://www.sfbungalow.com/2010/05/14/what-should-i-expect-from-my-insurance-agentagency-when-i-buy-a-new-home/#comments</comments>
		<pubDate>Fri, 14 May 2010 21:00:50 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[escrow]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[close of escrow]]></category>
		<category><![CDATA[delays]]></category>
		<category><![CDATA[For Your Information- Insurance]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/?p=1444</guid>
		<description><![CDATA[ 
Insurance is a part of your home closing process. So, outside of being sure that you have an agent that cares about your purchase and protection, offers a reasonable rate and appropriate coverage, you want to make sure that there will be no hiccups in your closing process!
Some insurance companies have specific issues with [...]


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/for-your-information-real-estate/what-should-i-expect-from-my-lender-and-my-real-estate-agents-relationship/' rel='bookmark' title='Permanent Link: What Should I Expect from My Lender and My Real Estate Agent&#8217;s Relationship?'>What Should I Expect from My Lender and My Real Estate Agent&#8217;s Relationship?</a></li>
<li><a href='http://www.michaelhaighteam.com/for-your-information-insurance/what-are-my-options/' rel='bookmark' title='Permanent Link: What are my options with Home Owners Insurance and how do I figure out what I need?'>What are my options with Home Owners Insurance and how do I figure out what I need?</a></li>
<li><a href='http://www.michaelhaighteam.com/for-your-information-insurance/landlord-vs-homeowners/' rel='bookmark' title='Permanent Link: The Difference between Homeowners and Landlord Insurance'>The Difference between Homeowners and Landlord Insurance</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/05/14/what-should-i-expect-from-my-insurance-agentagency-when-i-buy-a-new-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What Should I Expect from My Lender and My Real Estate Agent’s Relationship?</title>
		<link>http://www.sfbungalow.com/2010/03/10/what-should-i-expect-from-my-lender-and-my-real-estate-agent%e2%80%99s-relationship/</link>
		<comments>http://www.sfbungalow.com/2010/03/10/what-should-i-expect-from-my-lender-and-my-real-estate-agent%e2%80%99s-relationship/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 21:00:25 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[For Your Information- Real Estate]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Home loan]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>
		<category><![CDATA[New Home Sales]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[Straight from the Source]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/?p=1039</guid>
		<description><![CDATA[The relationship between your lender and agent is extremely important when purchasing a home. The new market environment has many more regulations, hoops and sharp turns and everything relating to your home purchase should be correct and accurate up front. 
The lender doesn&#8217;t want any surprises, like a seller credit the day before the lender [...]


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/simple-real-estate-definitions-refinance/' rel='bookmark' title='Permanent Link: Simple Real Estate Definitions : Refinance'>Simple Real Estate Definitions : Refinance</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/simple-real-estate-definitions-short-sale/' rel='bookmark' title='Permanent Link: Simple Real Estate Definitions : Short Sale'>Simple Real Estate Definitions : Short Sale</a></li>
<li><a href='http://www.michaelhaighteam.com/for-your-information/buyersagent/' rel='bookmark' title='Permanent Link: Why Should I Have A Buyer&#8217;s Agent?'>Why Should I Have A Buyer&#8217;s Agent?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/03/10/what-should-i-expect-from-my-lender-and-my-real-estate-agent%e2%80%99s-relationship/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>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Approvals Are Getting More And More Scarce</title>
		<link>http://www.sfbungalow.com/2010/02/15/mortgage-approvals-are-getting-more-and-more-scarce/</link>
		<comments>http://www.sfbungalow.com/2010/02/15/mortgage-approvals-are-getting-more-and-more-scarce/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 15:00:21 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[fico scores]]></category>
		<category><![CDATA[loan approvals]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/mortgage-guidelines/mortgage-approvals-are-getting-more-and-more-scarce/</guid>
		<description><![CDATA[The economy's improving but lending standards are not. Nationally, banks are making mortgage approvals harder to come by. Underwriting guidelines are tightening.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/fha-mortgages/separating-fha-fact-from-fiction-mortgage-insurance-premiums/' rel='bookmark' title='Permanent Link: Separating FHA Fact From Fiction : Mortgage Insurance Premiums'>Separating FHA Fact From Fiction : Mortgage Insurance Premiums</a></li>
<li><a href='http://www.michaelhaighteam.com/weekly-review/whats-ahead-for-mortgage-rates-this-week-february-8-2010/' rel='bookmark' title='Permanent Link: What&#8217;s Ahead For Mortgage Rates This Week : February 8, 2010'>What&#8217;s Ahead For Mortgage Rates This Week : February 8, 2010</a></li>
</ol>]]></description>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Federal Housing Administration to raise fees &amp; lending criteria this Spring</title>
		<link>http://www.sfbungalow.com/2010/01/21/federal-housing-administration-to-raise-fees-lending-criteria-this-spring/</link>
		<comments>http://www.sfbungalow.com/2010/01/21/federal-housing-administration-to-raise-fees-lending-criteria-this-spring/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 17:45:13 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[s.f. housing]]></category>
		<category><![CDATA[s.f. real estate]]></category>
		<category><![CDATA[sf bay area]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=2159</guid>
		<description><![CDATA[

Looks like change is underway for FHA loans as the Federal Housing Administration prepares to raise fees this Spring.  It doesn&#8217;t look like an exact date is in place at this time.
Currently, the upfront mortgage ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/01/21/federal-housing-administration-to-raise-fees-lending-criteria-this-spring/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>For Buyers: A few key questions to ask Realtors you are interviewing</title>
		<link>http://www.sfbungalow.com/2010/01/15/for-buyers-a-few-key-questions-to-ask-realtors-you-are-interviewing/</link>
		<comments>http://www.sfbungalow.com/2010/01/15/for-buyers-a-few-key-questions-to-ask-realtors-you-are-interviewing/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 18:08:20 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[contingencies]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[hiring a realtor]]></category>
		<category><![CDATA[inspections]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[negotiating]]></category>
		<category><![CDATA[new construction]]></category>
		<category><![CDATA[online transaction management]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[purchasing a home]]></category>
		<category><![CDATA[s.f. association of realtors]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=1492</guid>
		<description><![CDATA[

Don’t you owe it to yourself to take the time to interview 2-3 agents to find your best fit; someone who is going to listen, have relevant and current experience and be your advocate throughout ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit score primer: What buyers need to know to get a loan</title>
		<link>http://www.sfbungalow.com/2009/12/12/credit-score-primer-what-buyers-need-to-know-to-get-a-loan/</link>
		<comments>http://www.sfbungalow.com/2009/12/12/credit-score-primer-what-buyers-need-to-know-to-get-a-loan/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 19:27:53 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[transUnion]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=1326</guid>
		<description><![CDATA[


 
Details are below on credit score basics.  Credit scores continue to be a critical detail in determining what type of loan &#38; interest rate one qualifies for.  Lender criteria can vary.
As of 3/09 FHA lenders require ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/12/12/credit-score-primer-what-buyers-need-to-know-to-get-a-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Home buyer&#8217;s tax credit extended to April 2010!!</title>
		<link>http://www.sfbungalow.com/2009/11/09/home-buyers-tax-credit-extended-to-april-2010/</link>
		<comments>http://www.sfbungalow.com/2009/11/09/home-buyers-tax-credit-extended-to-april-2010/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 20:12:20 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[home buyer tax credit]]></category>
		<category><![CDATA[home buying]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=877</guid>
		<description><![CDATA[

I know many of my buyers will be happy with this news, official as of Friday.  Income limits were also increased for individual and joint buyers along with the extension running to April 2010.
For those ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/11/09/home-buyers-tax-credit-extended-to-april-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Current Conforming Loan Limits Extended Through 2010!!</title>
		<link>http://www.sfbungalow.com/2009/11/04/current-conforming-loan-limits-extended-through-2010/</link>
		<comments>http://www.sfbungalow.com/2009/11/04/current-conforming-loan-limits-extended-through-2010/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 14:07:40 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[conforming loan limits]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha loans]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=859</guid>
		<description><![CDATA[

Yeah!!!  Good news for our very pricey market place.  It&#8217;s incredibly challenging to find a single family home in San Francisco in the low-600&#8242;s (there are more choices if we&#8217;re talking condos); this $729+ number ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/11/04/current-conforming-loan-limits-extended-through-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What tax breaks are officially ending this year?</title>
		<link>http://www.sfbungalow.com/2009/10/22/what-tax-breaks-are-officially-ending-this-year/</link>
		<comments>http://www.sfbungalow.com/2009/10/22/what-tax-breaks-are-officially-ending-this-year/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 17:57:11 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Investor Resources]]></category>
		<category><![CDATA[Seller Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[accountant]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=715</guid>
		<description><![CDATA[

   
Here’s the latest e-newsletter from my fantastic accountant.  I highly recommend Pat Polo who I’ve been working with for the last 10+ years.  Not the least expensive but you don’t want to ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/10/22/what-tax-breaks-are-officially-ending-this-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Going on in the 1031 Exchange Industry?</title>
		<link>http://www.sfbungalow.com/2009/06/02/whats-going-on-in-the-1031-exchange-industry/</link>
		<comments>http://www.sfbungalow.com/2009/06/02/whats-going-on-in-the-1031-exchange-industry/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 16:03:42 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Investor Resources]]></category>
		<category><![CDATA[Seller Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[1031 exchange]]></category>
		<category><![CDATA[investment property]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=514</guid>
		<description><![CDATA[

The latest from Asset Exchange Company&#8217;s June Newsletter:
Clients have recently asked us what we are seeing in the market?  Is it still slow?  Have things been improving?  What  investors are exchanging? Some of our recent ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/06/02/whats-going-on-in-the-1031-exchange-industry/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Owner Move in Eviction: Potential costs</title>
		<link>http://www.sfbungalow.com/2009/05/08/owner-move-in-eviction-potential-costs/</link>
		<comments>http://www.sfbungalow.com/2009/05/08/owner-move-in-eviction-potential-costs/#comments</comments>
		<pubDate>Fri, 08 May 2009 16:11:10 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Investor Resources]]></category>
		<category><![CDATA[Notes from the Field]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[OMI]]></category>
		<category><![CDATA[owner move in eviction]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=484</guid>
		<description><![CDATA[

There are several excellent lawyers who specialize in landlord tenant law including Robert Peterson (415-586-7460).
So, how much could an OMI run? Robert’s best/worst case scenario pertaining to expenses with OMI are as follows (per a ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/05/08/owner-move-in-eviction-potential-costs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Owner Move-in Eviction</title>
		<link>http://www.sfbungalow.com/2009/05/06/the-basic-details-of-an-owner-move-in-eviction/</link>
		<comments>http://www.sfbungalow.com/2009/05/06/the-basic-details-of-an-owner-move-in-eviction/#comments</comments>
		<pubDate>Wed, 06 May 2009 16:04:35 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Seller/Buyer Resources]]></category>
		<category><![CDATA[OMI]]></category>
		<category><![CDATA[owner move in evictions]]></category>
		<category><![CDATA[rent control]]></category>
		<category><![CDATA[tenant rights]]></category>
		<category><![CDATA[tenants]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=455</guid>
		<description><![CDATA[

San Francisco definitely has market conditions unlike most markets in the Bay Area.  With rent control &#38; tenant rights alone, there are a host of nuances that one (I!) must be aware of when helping ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/05/06/the-basic-details-of-an-owner-move-in-eviction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are we there yet?  We won&#8217;t know we&#8217;ve reached the bottom of the market until it&#8217;s already on the upswing&#8230;..</title>
		<link>http://www.sfbungalow.com/2009/04/27/timing-the-market/</link>
		<comments>http://www.sfbungalow.com/2009/04/27/timing-the-market/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 22:49:14 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[s.f. housing]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=342</guid>
		<description><![CDATA[

I get the frequent question from buyers that I meet, particularly those that I meet at open houses,on where our market is at; has it reached the bottom?  My response is that no one knows ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/04/27/timing-the-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Basic steps with the offer process</title>
		<link>http://www.sfbungalow.com/2009/04/27/basic-steps-with-the-offer-process/</link>
		<comments>http://www.sfbungalow.com/2009/04/27/basic-steps-with-the-offer-process/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 22:36:34 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Notes from the Field]]></category>
		<category><![CDATA[buyer resources]]></category>
		<category><![CDATA[buying a property]]></category>
		<category><![CDATA[contingencies]]></category>
		<category><![CDATA[contingency]]></category>
		<category><![CDATA[contractors inspection]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[offer contingencies]]></category>
		<category><![CDATA[real estate owned property]]></category>
		<category><![CDATA[REO property]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=390</guid>
		<description><![CDATA[

Hi V,
This is a brief overview of details with the offer process.
We&#8217;ll review the recent sales for the area to determine a reasonable offering price.
I’ll request from your mortgage broker/loan officer a pre-approval letter specific ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/04/27/basic-steps-with-the-offer-process/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Guidelines for FHA Spot Approval for condos</title>
		<link>http://www.sfbungalow.com/2009/04/20/guidelines-for-fha-spot-approval-for-condos/</link>
		<comments>http://www.sfbungalow.com/2009/04/20/guidelines-for-fha-spot-approval-for-condos/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 21:58:01 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[spot approval]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=245</guid>
		<description><![CDATA[

FHA loans have been providing a great finance opportunity for buyers to get into our very expensive market especially since the down payment requirements can be as low as 3.5%, interest rates have been in ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/04/20/guidelines-for-fha-spot-approval-for-condos/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA FINANCING QUICK‐TIPS</title>
		<link>http://www.sfbungalow.com/2009/04/19/fha-financing-quick%e2%80%90tips/</link>
		<comments>http://www.sfbungalow.com/2009/04/19/fha-financing-quick%e2%80%90tips/#comments</comments>
		<pubDate>Sun, 19 Apr 2009 22:01:26 +0000</pubDate>
		<dc:creator>Cheryl Bower</dc:creator>
				<category><![CDATA[Buyer Resources]]></category>
		<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Bank owned]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[loan limits]]></category>
		<category><![CDATA[REO]]></category>
		<category><![CDATA[spot approval]]></category>

		<guid isPermaLink="false">http://www.sfbungalow.com/?p=252</guid>
		<description><![CDATA[

The following have been provided by Sue Florence.  She&#8217;s been working incredibly hard for my clients getting into an REO condo on the Peninsula!
My clients are actually going to be paying slightly less for their ...]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2009/04/19/fha-financing-quick%e2%80%90tips/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
