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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, 28 Jul 2010 16:46:51 +0000</lastBuildDate>
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		<title>New Homes Sales Gain in June, But Gains Are Relative</title>
		<description><![CDATA[June's New Home Sales data is a major improvement over May, but gains are relative. It's possible that the true "new home market" may be softer than the statistics suggest.


Related posts:<ol><li><a href="http://www.michaelhaighteam.com/new-home-sales/new-home-sales-march-2010/" rel="bookmark" title="Permanent Link: New Homes Sales Were Strong in March, But Not As Strong As The News Would Have You Believe">New Homes Sales Were Strong in March, But Not As Strong As The News Would Have You Believe</a></li>
<li><a href="http://www.michaelhaighteam.com/uncategorized/homeowners-rejoice-new-homes-sales-data-is-weak/" rel="bookmark" title="Permanent Link: Homeowners Rejoice! New Homes Sales Data Is Weak.">Homeowners Rejoice! New Homes Sales Data Is Weak.</a></li>
<li><a href="http://www.michaelhaighteam.com/uncategorized/pending-homes-sales-gain-for-the-7th-straight-month/" rel="bookmark" title="Permanent Link: Pending Homes Sales Gain For The 7th Straight Month">Pending Homes Sales Gain For The 7th Straight Month</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/07/27/new-homes-sales-gain-in-june-but-gains-are-relative/</link>
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		<title>West Portal, SF Market Trends as of July 23, 2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/07/23/west-portal-sf-market-trends-as-of-july-23-2010/</link>
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		<title>Top Green Gardening Tips</title>
		<description><![CDATA[Looking to go green, but unsure of where to take your first step? Try the greenest spot of your home: your yard. Green gardening is a great starting point for any journey toward a more earth-friendly lifestyle. It&#8217;s easy to get started, it&#8217;s fun, and changing how you garden in even small ways can [...]


Related posts:<ol><li><a href="http://www.michaelhaighteam.com/straight-from-the-source/eight-quick-tips-for-living-green/" rel="bookmark" title="Permanent Link: Eight Quick Tips for Living Green">Eight Quick Tips for Living Green</a></li>
<li><a href="http://www.michaelhaighteam.com/straight-from-the-source/beautiful-on-the-outside/" rel="bookmark" title="Permanent Link: Beautiful on the Outside">Beautiful on the Outside</a></li>
<li><a href="http://www.michaelhaighteam.com/for-your-information-real-estate/eco-friendly-affordable-idea/" rel="bookmark" title="Permanent Link: What a great eco-friendly, affordable idea! ZippGo: Green, Plastic moving boxes">What a great eco-friendly, affordable idea! ZippGo: Green, Plastic moving boxes</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/07/22/top-green-gardening-tips/</link>
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		<title>Eight Quick Tips for Living Green</title>
		<description><![CDATA[Today, living green isn&#8217;t just a lifestyle choice; it makes solid financial sense. As home energy costs increase, homeowners are seeking simple and smart ways to save energy and consequently save money, too. Trying to create a more environmentally sound household doesn&#8217;t have to start with taking out a massive loan in order to [...]


Related posts:<ol><li><a href="http://www.michaelhaighteam.com/uncategorized/planning-for-a-quick-close-now-may-not-be-a-good-time/" rel="bookmark" title="Permanent Link: Planning For A “Quick Close”?  Now May Not Be A Good Time.">Planning For A &#8220;Quick Close&#8221;?  Now May Not Be A Good Time.</a></li>
<li><a href="http://www.michaelhaighteam.com/uncategorized/the-cost-of-living-includes-the-cost-of-gas-and-food-and-may-get-more-expensive-through-the-winter/" rel="bookmark" title="Permanent Link: The Cost Of Living Includes The Cost Of Gas And Food (And May Get More Expensive Through The Winter)">The Cost Of Living Includes The Cost Of Gas And Food (And May Get More Expensive Through The Winter)</a></li>
<li><a href="http://www.michaelhaighteam.com/uncategorized/common-sense-tips-to-help-your-home-sell-quickly/" rel="bookmark" title="Permanent Link: Common-Sense Tips To Help Your Home Sell Quickly">Common-Sense Tips To Help Your Home Sell Quickly</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/07/20/eight-quick-tips-for-living-green/</link>
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		<title>Changes Coming in August to SFAR MLS Map Including renaming of S.F. neighborhoods</title>
		<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>
		<link>http://www.sfbungalow.com/2010/07/16/changes-coming-in-august-to-sfar-mls-map-including-renaming-of-s-f-neighborhoods/</link>
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		<title>The Fed’s June Minutes Keep Mortgage Rates In Rally-Mode</title>
		<description><![CDATA[At 7,333 words, the June Fed Minutes is the unabridged version of the more well-known, post-meeting press release.  The corresponding press release was just 360 words. It turns out, the Fed's words are doing wonders for mortgage rates.


Related posts:<ol><li><a href="http://www.michaelhaighteam.com/fomc/fomc-meeting-minutes-april-2010/" rel="bookmark" title="Permanent Link: The Fed’s April Minutes Push Mortgage Rates Even Lower">The Fed&#8217;s April Minutes Push Mortgage Rates Even Lower</a></li>
<li><a href="http://www.michaelhaighteam.com/uncategorized/how-the-fed-minutes-can-change-mortgage-rates-and-home-affordability/" rel="bookmark" title="Permanent Link: How The “Fed Minutes” Can Change Mortgage Rates And Home Affordability">How The &#8220;Fed Minutes&#8221; Can Change Mortgage Rates And Home Affordability</a></li>
<li><a href="http://www.michaelhaighteam.com/fomc-minutes/fomc-minutes-january-27-2010/" rel="bookmark" title="Permanent Link: Mortgage Rates Spike On The Federal Reserve’s January 2010 Meeting Minutes">Mortgage Rates Spike On The Federal Reserve&#8217;s January 2010 Meeting Minutes</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/07/16/the-fed%e2%80%99s-june-minutes-keep-mortgage-rates-in-rally-mode/</link>
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		<title>Mike &amp; Katie: First time buyers 6/2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/07/12/mike-katie-first-time-buyers-62010/</link>
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		<title>Fantastic!  At long last San Mateo County communities will have single stream recycling available!</title>
		<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>
		<link>http://www.sfbungalow.com/2010/07/06/fantastic-at-long-last-san-mateo-county-communities-will-have-single-stream-recycling-available/</link>
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		<title>High Speed Rail &amp; Eminent Domain: What do you stand to lose?  Burlingame community meeting July 14th</title>
		<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>
		<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>
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		<title>Protected: Rental Application</title>
		<description><![CDATA[There is no excerpt because this is a protected post.]]></description>
		<link>http://www.sfbungalow.com/2010/06/25/rental-application/</link>
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		<title>New Lead Renovation, Repair and Painting Rule in Effect April 22, 2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/22/new-lead-renovation-repair-and-painting-rule-in-effect-april-22-2010/</link>
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		<title>Shopping And Paying Bills Online? Here’s Methods To Protect Your Online Financial Identity</title>
		<description><![CDATA[In May 2010, Retail Sales at non-store retailers -- a category that includes Amazon and eBay -- topped $29 billion, up 16 percent from May 2009. Clearly, Americans are doing an increasing amount of shopping online.  But how well are we protecting our identities?


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/video-how-do-i-prioritize-paying-monthly-bills-versus-saving-for-retirement/' rel='bookmark' title='Permanent Link: VIDEO : How Do I Prioritize Paying Monthly Bills Versus Saving For Retirement?'>VIDEO : How Do I Prioritize Paying Monthly Bills Versus Saving For Retirement?</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/why-medical-bills-are-more-dangerous-to-homeowners-than-arms/' rel='bookmark' title='Permanent Link: Why Medical Bills Are More Dangerous To Homeowners Than ARMs'>Why Medical Bills Are More Dangerous To Homeowners Than ARMs</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/so-how-much-is-starbucks-costing-you-each-year/' rel='bookmark' title='Permanent Link: So, How Much Is Starbucks Costing You Each Year?'>So, How Much Is Starbucks Costing You Each Year?</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/06/15/shopping-and-paying-bills-online-here%e2%80%99s-methods-to-protect-your-online-financial-identity/</link>
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		<title>Action Alert &#8211; Update on Condo Bypass for TIC owners in S.F.</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/14/action-alert-update-on-condo-bypass-for-tic-owners-in-s-f/</link>
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		<title>FHA Mortgage Insurance Premiums Approved To Triple In Cost</title>
		<description><![CDATA[In a near-unanimous vote, the House of Representatives gave the FHA power to raise the monthly mortgage insurance premiums it charges to its borrowers.


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/fha-mortgages/fha-mortgages-ufmip-increase-april-5-2010/' rel='bookmark' title='Permanent Link: Get Your FHA Mortgage Application Started &#8212; Fees Increase 1/2 Percent Starting Monday, April 5, 2010'>Get Your FHA Mortgage Application Started &#8212; Fees Increase 1/2 Percent Starting Monday, April 5, 2010</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/the-rising-cost-of-a-small-downpayment/' rel='bookmark' title='Permanent Link: The Rising Cost Of A Small Downpayment'>The Rising Cost Of A Small Downpayment</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/06/11/fha-mortgage-insurance-premiums-approved-to-triple-in-cost/</link>
			</item>
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		<title>Laura: condo buyer 3/2009</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/10/janet-condo-buyer-32009/</link>
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		<title>Tiffani &amp; Rich- first time buyers 5/2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/10/tiffani-rich-first-time-buyers/</link>
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		<title>What a great eco-friendly, affordable idea!  ZippGo: Green, Plastic moving boxes</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/09/what-a-great-eco-friendly-affordable-idea-zippgo-green-plastic-moving-boxes/</link>
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		<title>Plug/video for my new listing: Stylish city view condo for sale at The Hayes!</title>
		<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>
		<link>http://www.sfbungalow.com/2010/06/05/plugvideo-for-my-new-listing-stylish-city-view-condo-for-sale-at-the-hayes/</link>
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		<title>Pending Home Sales Data Shows Great Deals On Homes Are Getting Harder To Find</title>
		<description><![CDATA[April marks the third straight month that pending home sales are up and today's buyers should take note. This is because, according to the National Association of RealtorsÂ®, 80% of homes under contract close within 60 days.


Related posts:<ol><li><a href='http://www.michaelhaighteam.com/uncategorized/pending-home-sales-shows-that-more-buyers-may-be-shopping-for-homes-than-you-thought/' rel='bookmark' title='Permanent Link: Pending Home Sales Shows That More Buyers May Be Shopping For Homes Than You Thought'>Pending Home Sales Shows That More Buyers May Be Shopping For Homes Than You Thought</a></li>
<li><a href='http://www.michaelhaighteam.com/uncategorized/pending-home-sales-data-forecasts-higher-home-values-next-month/' rel='bookmark' title='Permanent Link: Pending Home Sales Data Forecasts Higher Home Values Next Month'>Pending Home Sales Data Forecasts Higher Home Values Next Month</a></li>
<li><a href='http://www.michaelhaighteam.com/pending-home-sales/pending-home-sales-february-2010/' rel='bookmark' title='Permanent Link: Pending Home Sales Soar In February, As Expected. Buyers Are Everywhere.'>Pending Home Sales Soar In February, As Expected. Buyers Are Everywhere.</a></li>
</ol>]]></description>
		<link>http://www.sfbungalow.com/2010/06/04/pending-home-sales-data-shows-great-deals-on-homes-are-getting-harder-to-find/</link>
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		<title>The Right Way To Take A Cash Gift For Downpayment</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/27/the-right-way-to-take-a-cash-gift-for-downpayment/</link>
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		<title>Understanding Wills and Trusts</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/26/understanding-wills-and-trusts/</link>
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		<title>San Francisco Homeowners Have New Way to Pay for Going Green</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/24/san-francisco-homeowners-have-new-way-to-pay-for-going-green/</link>
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		<title>No More State Tax on Forgiven Debt as of SB 401 approved  April, 2010</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/24/no-more-state-tax-on-forgiven-debt-as-of-sb-401-approved-april-2010/</link>
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		<title>WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/24/weekly-hot-rates-for-the-week-ending-5182010-as-provided-by-guarantee-mortgage/</link>
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		<title>Why hiring a mortgage broker vs. working with a direct lender makes sense in today&#8217;s market</title>
		<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>
		<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>
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		<title>Details of the March 2010 California Tax Credit for New Home / First-Time Buyers</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/20/details-of-the-march-2010-california-tax-credit-for-new-home-first-time-buyers/</link>
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		<title>CAR-Sponsored Bill to Protect Borrowers from Lenders—Call Your State Senator Today</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/19/car-sponsored-bill-to-protect-borrowers-from-lenders%e2%80%94call-your-state-senator-today/</link>
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		<title>Median Sales Price Continues Its Upward Trend In San Francisco’s Housing Market</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/19/median-sales-price-continues-its-upward-trend-in-san-francisco%e2%80%99s-housing-market/</link>
			</item>
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		<title>San Bruno, CA: condo market trends report week of 5/18/10</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/18/san-bruno-ca-condo-market-trends-report-week-of-51810/</link>
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		<title>Your Mortgage Approval Isn’t Final Until It’s Funded</title>
		<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>
		<link>http://www.sfbungalow.com/2010/05/17/your-mortgage-approval-isn%e2%80%99t-final-until-it%e2%80%99s-funded/</link>
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