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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!</title>
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	<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, 03 Mar 2010 17:05:53 +0000</lastBuildDate>
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		<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>The Home Price Index Shows Some Regions Up, Some Regions Down</title>
		<link>http://www.sfbungalow.com/2010/03/02/the-home-price-index-shows-some-regions-up-some-regions-down/</link>
		<comments>http://www.sfbungalow.com/2010/03/02/the-home-price-index-shows-some-regions-up-some-regions-down/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 19:50:23 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Home Price Index]]></category>
		<category><![CDATA[HPI]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[mortgage updates]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/home-price-index/fhfa-home-price-index-december-2009/</guid>
		<description><![CDATA[Publishing on a 2-month lag, the Federal Home Finance Agency said home prices fell by 1.6 percent nationally in December.  And that's an average, of course.  Some regions performed well in December as compared to November, others didn't.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/case-shiller-index-shows-home-values-still-rising/' rel='bookmark' title='Permanent Link: Case-Shiller Index Shows Home Values Still Rising'>Case-Shiller Index Shows Home Values Still Rising</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/the-home-price-index-shows-that-home-values-increased-in-may/' rel='bookmark' title='Permanent Link: The Home Price Index Shows That Home Values Increased In May'>The Home Price Index Shows That Home Values Increased In May</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/the-home-price-index-shows-home-values-increasing-case-shiller-agrees/' rel='bookmark' title='Permanent Link: The Home Price Index Shows Home Values Increasing. Case-Shiller Agrees.'>The Home Price Index Shows Home Values Increasing. Case-Shiller Agrees.</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How You Can Get The Most Accurate, Real-Time Mortgage Rate Quotes Available</title>
		<link>http://www.sfbungalow.com/2010/02/23/how-you-can-get-the-most-accurate-real-time-mortgage-rate-quotes-available/</link>
		<comments>http://www.sfbungalow.com/2010/02/23/how-you-can-get-the-most-accurate-real-time-mortgage-rate-quotes-available/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 13:50:12 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[Freddie Mac PMMS]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage news]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[mortgage updates]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/mortgage-rates/freddie-mac-pmms-survey/</guid>
		<description><![CDATA[Although the newspapers reported mortgage rates down last week, they weren't.  Conforming mortgage rates were higher by at least 1/8 percent, or roughly $11 per $100,000 borrowed per month.  In some cases, rates were up by even more.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/weekly-review/mortgage-rates-week-ahead-feb-16-2010/' rel='bookmark' title='Permanent Link: What&#8217;s Ahead For Mortgage Rates This Week : February 16, 2010'>What&#8217;s Ahead For Mortgage Rates This Week : February 16, 2010</a></li>
<li><a href='http://www.michaelhaighteam.com/weekly-review/mortgage-rates-week-ahead-feb-22-2010/' rel='bookmark' title='Permanent Link: What&#8217;s Ahead For Mortgage Rates This Week : February 22, 2010'>What&#8217;s Ahead For Mortgage Rates This Week : February 22, 2010</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>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&#8217;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>0</slash:comments>
		</item>
		<item>
		<title>What’s Ahead For Mortgage Rates This Week : February 16, 2010</title>
		<link>http://www.sfbungalow.com/2010/02/16/what%e2%80%99s-ahead-for-mortgage-rates-this-week-february-16-2010/</link>
		<comments>http://www.sfbungalow.com/2010/02/16/what%e2%80%99s-ahead-for-mortgage-rates-this-week-february-16-2010/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 13:50:03 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[conventional loans]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage interest rates]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/weekly-review/mortgage-rates-week-ahead-feb-16-2010/</guid>
		<description><![CDATA[Mortgage markets worsened last week on general profit-taking in the U.S. bond market, combined with talk of a coordinated rescue effort for Greece and its debt burden. Mortgage-backed bonds sold off, causing conventional and FHA mortgage rates to rise.


Related posts:<ol><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>
<li><a href='http://www.michaelhaighteam.com/mortgage-finance/the-january-2010-jobs-report-may-lead-mortgage-rates-and-home-prices-higher/' rel='bookmark' title='Permanent Link: The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher'>The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher</a></li>
<li><a href='http://www.michaelhaighteam.com/mortgage-finance/7-ways-to-protect-your-credit-score-for-better-mortgage-rates/' rel='bookmark' title='Permanent Link: 7 Ways To Protect Your Credit Score For Better Mortgage Rates'>7 Ways To Protect Your Credit Score For Better Mortgage Rates</a></li>
</ol>]]></description>
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		<slash:comments>1</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>How Rising Consumer Sentiment Is Linked To Higher Home Prices</title>
		<link>http://www.sfbungalow.com/2010/02/12/how-rising-consumer-sentiment-is-linked-to-higher-home-prices/</link>
		<comments>http://www.sfbungalow.com/2010/02/12/how-rising-consumer-sentiment-is-linked-to-higher-home-prices/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 13:50:09 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[buyer demand]]></category>
		<category><![CDATA[Consumer Confidence]]></category>
		<category><![CDATA[consumer sentiment]]></category>
		<category><![CDATA[economic recovery]]></category>
		<category><![CDATA[higher home prices]]></category>
		<category><![CDATA[housing affordability]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/consumer-confidence/consumer-confidence-january-2010/</guid>
		<description><![CDATA[Consumer Sentiment has been on the rise since last February and it's something to which home buyers should pay attention. The affordability of your next home may hinge on consumer confidence.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/mortgage-finance/the-january-2010-jobs-report-may-lead-mortgage-rates-and-home-prices-higher/' rel='bookmark' title='Permanent Link: The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher'>The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.sfbungalow.com/2010/02/12/how-rising-consumer-sentiment-is-linked-to-higher-home-prices/feed/</wfw:commentRss>
		<slash:comments>0</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>Separating FHA Fact From Fiction : Mortgage Insurance Premiums</title>
		<link>http://www.sfbungalow.com/2010/02/10/separating-fha-fact-from-fiction-mortgage-insurance-premiums/</link>
		<comments>http://www.sfbungalow.com/2010/02/10/separating-fha-fact-from-fiction-mortgage-insurance-premiums/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 13:48:42 +0000</pubDate>
		<dc:creator>Michael Haigh</dc:creator>
				<category><![CDATA[Market Trends & Mortgage Updates]]></category>
		<category><![CDATA[FHA home loans]]></category>
		<category><![CDATA[mortgage insurance premiums]]></category>
		<category><![CDATA[new lending guidelines]]></category>

		<guid isPermaLink="false">http://www.michaelhaighteam.com/fha-mortgages/separating-fha-fact-from-fiction-mortgage-insurance-premiums/</guid>
		<description><![CDATA[Because of how frequently bank rules are changing, it can be hard for laypersons to distinguish between mortgage fact and fiction of what's coming next. Recently, we saw this with respect to FHA home loans.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/mortgage-guidelines/mortgage-approvals-are-getting-more-and-more-scarce/' rel='bookmark' title='Permanent Link: Mortgage Approvals Are Getting More And More Scarce'>Mortgage Approvals Are Getting More And More Scarce</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.

You will have to hurry since there ...]]></description>
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		<slash:comments>0</slash:comments>
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