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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>
	<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>
		<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>
		<link>http://www.sfbungalow.com/2010/03/03/irs-issues-new-guidelines-on-obtaining-home-buyer-tax-credits/</link>
			</item>
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		<title>The Home Price Index Shows Some Regions Up, Some Regions Down</title>
		<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>
		<link>http://www.sfbungalow.com/2010/03/02/the-home-price-index-shows-some-regions-up-some-regions-down/</link>
			</item>
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		<title>How You Can Get The Most Accurate, Real-Time Mortgage Rate Quotes Available</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/23/how-you-can-get-the-most-accurate-real-time-mortgage-rate-quotes-available/</link>
			</item>
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		<title>Thinking about window replacement for your home?  Which product is best? Vinyl vs. aluminum clad/wood vs. all wood</title>
		<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>
		<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>
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		<title>What’s Ahead For Mortgage Rates This Week : February 16, 2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/16/what%e2%80%99s-ahead-for-mortgage-rates-this-week-february-16-2010/</link>
			</item>
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		<title>Mortgage Approvals Are Getting More And More Scarce</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/15/mortgage-approvals-are-getting-more-and-more-scarce/</link>
			</item>
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		<title>How Rising Consumer Sentiment Is Linked To Higher Home Prices</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/12/how-rising-consumer-sentiment-is-linked-to-higher-home-prices/</link>
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		<title>Mortgage Interest Rates from Guarantee Mortgage for the week ending 2/5/2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/10/mortgage-interest-rates-from-guarantee-mortgage-for-the-week-ending-252010/</link>
			</item>
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		<title>Separating FHA Fact From Fiction : Mortgage Insurance Premiums</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/10/separating-fha-fact-from-fiction-mortgage-insurance-premiums/</link>
			</item>
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		<title>S.F., CA new condo development Infinity Towers have been selling like hotcakes!</title>
		<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>
		<link>http://www.sfbungalow.com/2010/02/09/s-f-ca-new-condo-development-infinity-towers-have-been-selling-like-hotcakes/</link>
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