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	<title>Real Estate Trade Secrets</title>
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	<link>http://getrealestatehelpblog.com</link>
	<description>Real Estate News and Tips for Buying and Selling Real Estate in the San Francisco Bay Area</description>
	<lastBuildDate>Wed, 16 Nov 2011 00:03:58 +0000</lastBuildDate>
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		<title>How long do I have to wait before I can qualify for a home loan after a derogatory credit event?</title>
		<link>http://getrealestatehelpblog.com/how-long-do-i-have-to-wait-before-i-can-qualify-for-a-home-loan-after-a-derogatory-credit-event/</link>
		<comments>http://getrealestatehelpblog.com/how-long-do-i-have-to-wait-before-i-can-qualify-for-a-home-loan-after-a-derogatory-credit-event/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 00:03:58 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buying your home]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Pete Sabine]]></category>
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		<category><![CDATA[real estate finance]]></category>
		<category><![CDATA[real estate tip]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/?p=99</guid>
		<description><![CDATA[Requirements for Re-establishing Credit

The borrower’s credit will be considered re-established if all of the following are met.

The loan receives recommendation from DU (designated underwriting system) that is acceptable for delivery to Fannie Mae or if manually underwritten, meets the minimum credit score requirements

The borrower has traditional credit re- established and (3) trade lines marked as agreed
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Discover One of the Most Powerful Tools in Real Estate Financing&#8230;</title>
		<link>http://getrealestatehelpblog.com/discover-one-of-the-most-powerful-tools-in-real-estate-financing/</link>
		<comments>http://getrealestatehelpblog.com/discover-one-of-the-most-powerful-tools-in-real-estate-financing/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 14:21:16 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government sponsored enterprises]]></category>
		<category><![CDATA[gse]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-conforming loan]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance a home]]></category>
		<category><![CDATA[sell a home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[senate bill 2338]]></category>
		<category><![CDATA[senator barbara boxer]]></category>
		<category><![CDATA[sub prime mortgage crisis]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2008/02/01/discover-one-of-the-most-powerful-tools-in-real-estate-financing/</guid>
		<description><![CDATA[In most real estate markets throughout the country, sellers are trying to cope with a slower moving market burdened with an over supply of competing homes for sale and weak buyer demand. Buyers are struggling with rising mortgage interest rates, tougher loan underwriting qualifying standards, high prices and low affordability. Real estate investors want positive monthly rental [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Avoid the Most Deadly Lending Landmines&#8230;</title>
		<link>http://getrealestatehelpblog.com/how-to-avoid-the-most-deadly-lending-landmines/</link>
		<comments>http://getrealestatehelpblog.com/how-to-avoid-the-most-deadly-lending-landmines/#comments</comments>
		<pubDate>Sun, 05 Jun 2011 08:36:28 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government sponsored enterprises]]></category>
		<category><![CDATA[gse]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-conforming loan]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance a home]]></category>
		<category><![CDATA[sell a home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[senate bill 2338]]></category>
		<category><![CDATA[senator barbara boxer]]></category>
		<category><![CDATA[sub prime mortgage crisis]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2008/01/30/how-to-avoid-the-most-deadly-lending-landmines/</guid>
		<description><![CDATA[  Here are some tips I learned from a seasoned California mortgage banker who successfully funded over 100 loans during the tough 2010 real estate market. These tales from the trenches can prevent your deal from the shrapnel of a loan decline or last minute tighter “prior to document or funding” conditions:  Most conventional (up to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Protect Your Transaction From the Number One Deal Killer&#8230;</title>
		<link>http://getrealestatehelpblog.com/protect-your-transaction-from-the-number-one-deal-killer/</link>
		<comments>http://getrealestatehelpblog.com/protect-your-transaction-from-the-number-one-deal-killer/#comments</comments>
		<pubDate>Fri, 03 Jun 2011 11:04:30 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government sponsored enterprises]]></category>
		<category><![CDATA[gse]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-conforming loan]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance a home]]></category>
		<category><![CDATA[sell a home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[senate bill 2338]]></category>
		<category><![CDATA[senator barbara boxer]]></category>
		<category><![CDATA[sub prime mortgage crisis]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2008/01/29/protect-your-transaction-from-the-number-one-deal-killer/</guid>
		<description><![CDATA[  In today’s challenging and uncertain lending environment, qualifying standards for home loans and refinancing are becoming increasingly more stringent. Many potential borrowers who were “pre-approved” under yesterday’s loan underwriting guidelines may discover that their loan program qualifying standards have changed or the loan program is no longer available. Unfortunately, some unwary prospective homebuyers discover [...]]]></description>
		<wfw:commentRss>http://getrealestatehelpblog.com/protect-your-transaction-from-the-number-one-deal-killer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VA Loans Offer Attractive Financing Terms</title>
		<link>http://getrealestatehelpblog.com/va-loans-offer-attractive-financing-terms/</link>
		<comments>http://getrealestatehelpblog.com/va-loans-offer-attractive-financing-terms/#comments</comments>
		<pubDate>Sun, 29 May 2011 10:02:28 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-conforming loan]]></category>
		<category><![CDATA[Pete Sabine]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[san francisco bay area]]></category>
		<category><![CDATA[sell a home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[VA loan]]></category>
		<category><![CDATA[veterans adminstration]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2008/01/29/va-loans-offer-attractive-financing-terms/</guid>
		<description><![CDATA[ The Veteran’s Administration has modernized the current VA loan programs available to qualified veteran borrowers. These loans are very competitive and can offer an affordable financing alternative to prospective home buyers and people who want to refinance their existing mortgage.  Additionally, the current maximum VA loan limit is $1,000,000 which can be a great alternative to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Loan Programs Offer Great Financing in a Tight Credit Market&#8230;</title>
		<link>http://getrealestatehelpblog.com/fha-loan-programs-offer-great-financing-in-a-tight-credit-market/</link>
		<comments>http://getrealestatehelpblog.com/fha-loan-programs-offer-great-financing-in-a-tight-credit-market/#comments</comments>
		<pubDate>Thu, 26 May 2011 08:29:37 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Featured Listings]]></category>
		<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[KTVU Interview]]></category>
		<category><![CDATA[List of Recommended Service Providers]]></category>
		<category><![CDATA[Pete recommends]]></category>
		<category><![CDATA[Pete, how do I...?]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[conforming loan]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[government sponsored enterprises]]></category>
		<category><![CDATA[gse]]></category>
		<category><![CDATA[jumbo loan]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-conforming loan]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinance a home]]></category>
		<category><![CDATA[sell a home]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[senate bill 2338]]></category>
		<category><![CDATA[senator barbara boxer]]></category>
		<category><![CDATA[sub prime mortgage crisis]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2008/01/26/fha-loan-programs-offer-great-financing-in-a-tight-credit-market/</guid>
		<description><![CDATA[The current credit crunch in the financial and real estate markets have significantly eliminated a vast pool of borrowers with a desire to purchase or refinance a home. This especially rings true in high cost markets like California and the San Francisco Bay Area.   FHA loan programs offer great terms compared to conventional loan [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Power and Benefits of &#8220;Buying Down&#8221; the Loan Interest Rate</title>
		<link>http://getrealestatehelpblog.com/40/</link>
		<comments>http://getrealestatehelpblog.com/40/#comments</comments>
		<pubDate>Wed, 13 Apr 2011 02:41:01 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Finance and Economy]]></category>
		<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[buy down interest rate]]></category>
		<category><![CDATA[buy real estate]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[buying your home]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan interest rate]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Pete Sabine]]></category>
		<category><![CDATA[real estate tip]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[san francisco bay area]]></category>
		<category><![CDATA[sell real estate]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[selling your home]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2007/12/12/40/</guid>
		<description><![CDATA[In most real estate markets throughout the country, sellers are trying to cope with a slower moving market burdened with an over supply of competing homes for sale and weak buyer demand. Many potential home buyers can no longer afford the prices of homes in high cost real estate markets like the San Francisco Bay [...]]]></description>
		<wfw:commentRss>http://getrealestatehelpblog.com/40/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Valuation: How To Find Out What Houses In ANY Neighborhood Are Really Selling For &#8212; And How Long It Takes&#8230;</title>
		<link>http://getrealestatehelpblog.com/home-valuation-how-to-find-out-what-houses-in-any-neighborhood-are-really-selling-for-and-how-long-it-takes/</link>
		<comments>http://getrealestatehelpblog.com/home-valuation-how-to-find-out-what-houses-in-any-neighborhood-are-really-selling-for-and-how-long-it-takes/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 02:35:10 +0000</pubDate>
		<dc:creator>petesabine</dc:creator>
				<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[buying your home]]></category>
		<category><![CDATA[Pete Sabine]]></category>
		<category><![CDATA[real estate tip]]></category>
		<category><![CDATA[selling your home]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/2007/12/04/home-valuation-how-to-find-out-what-houses-in-any-neighborhood-are-really-selling-for-and-how-long-it-takes/</guid>
		<description><![CDATA[Have you ever talked with someone who tells you that they sold their house and &#8220;got what they wanted?” You remember that they were asking $429,000 so that must be what they sold for – or so you&#8217;d think. Or someone tells you that all the houses in your neighborhood have been selling for full [...]]]></description>
		<wfw:commentRss>http://getrealestatehelpblog.com/home-valuation-how-to-find-out-what-houses-in-any-neighborhood-are-really-selling-for-and-how-long-it-takes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don’t Be Clueless About Your Home Owner Insurance</title>
		<link>http://getrealestatehelpblog.com/don%e2%80%99t-be-clueless-about-your-home-owner-insurance/</link>
		<comments>http://getrealestatehelpblog.com/don%e2%80%99t-be-clueless-about-your-home-owner-insurance/#comments</comments>
		<pubDate>Sat, 02 Apr 2011 04:35:22 +0000</pubDate>
		<dc:creator>Pete Sabine</dc:creator>
				<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[buying your home]]></category>
		<category><![CDATA[clue report]]></category>
		<category><![CDATA[home owner insurance]]></category>
		<category><![CDATA[Pete Sabine]]></category>
		<category><![CDATA[real estate tip]]></category>
		<category><![CDATA[selling your home]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/?p=28</guid>
		<description><![CDATA[Leaky roof? Stolen bike? Broken rain gutter? You may want to think twice before even calling your insurance company.  Many home insurers count inquiry calls – calls in which homeowners simply ask informally whether their policy will cover certain damages and are told that it won’t – as unpaid losses.  Most insurance companies file loss [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sell Your Home:Choosing the Right Purchase Offer</title>
		<link>http://getrealestatehelpblog.com/sell-you-homechoosing-the-right-purchase-offer/</link>
		<comments>http://getrealestatehelpblog.com/sell-you-homechoosing-the-right-purchase-offer/#comments</comments>
		<pubDate>Wed, 23 Mar 2011 03:53:38 +0000</pubDate>
		<dc:creator>Pete Sabine</dc:creator>
				<category><![CDATA[Recent Posts]]></category>
		<category><![CDATA[counter offer]]></category>
		<category><![CDATA[multiple purchase offers]]></category>
		<category><![CDATA[Pete Sabine]]></category>
		<category><![CDATA[purchase offers]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[real estate tip]]></category>
		<category><![CDATA[selling your home]]></category>

		<guid isPermaLink="false">http://getrealestatehelpblog.com/?p=27</guid>
		<description><![CDATA[Most sellers would be delighted to receive multiple offers from prospective buyers. However, figuring out which offer to accept is not always as simple as you might think. Suppose you receive three purchase offers. One is for $495,000, your asking price. Another is for $10,000 more. And the highest offer is for $525,000 &#8211; $30,000 [...]]]></description>
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		<slash:comments>0</slash:comments>
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