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	<title>Bay Area Property Blog</title>
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	<link>http://bayareapropertyblog.wordpress.com</link>
	<description>Musings, tidbits, errata and the occasional useful fact about the Bay Area real estate market.</description>
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		<title>Bay Area Property Blog</title>
		<link>http://bayareapropertyblog.wordpress.com</link>
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		<item>
		<title>$8,000 1st-time homebuyer tax credit can be applied to down payment on FHA loans</title>
		<link>http://bayareapropertyblog.wordpress.com/2009/05/13/8000-1st-time-homebuyer-tax-credit-can-be-applied-to-down-payment-on-fha-loans/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2009/05/13/8000-1st-time-homebuyer-tax-credit-can-be-applied-to-down-payment-on-fha-loans/#comments</comments>
		<pubDate>Wed, 13 May 2009 18:58:38 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[loans]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/?p=24</guid>
		<description><![CDATA[Yup, you heard that right. The FHA announced yesterday that it will allow qualifying home-buyers to monetize their tax credit by applying it directly to their down payment. While the primary recent attraction of FHA loans has been the low minimum down payment of 3.5%, this new monetization option should help out those who qualify, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=24&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2009/05/13/8000-1st-time-homebuyer-tax-credit-can-be-applied-to-down-payment-on-fha-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<item>
		<title>Bay Area home sales see first monthly gain in half a year</title>
		<link>http://bayareapropertyblog.wordpress.com/2008/05/20/bay-area-home-sales-see-first-monthly-gain-in-half-a-year/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2008/05/20/bay-area-home-sales-see-first-monthly-gain-in-half-a-year/#comments</comments>
		<pubDate>Tue, 20 May 2008 18:19:55 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[trends]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/?p=23</guid>
		<description><![CDATA[Bay Area home sales climbed nearly 30 percent from March to April, the first monthly gain in half a year as financing became easier to secure and shoppers took advantage of bargains, according to a research firm. From a year ago, however, sales were still down 15.3 percent, according to DataQuick Information Systems of La [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=23&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2008/05/20/bay-area-home-sales-see-first-monthly-gain-in-half-a-year/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<title>&#8230;and you thought Bay Area homes were expensive!</title>
		<link>http://bayareapropertyblog.wordpress.com/2008/05/13/and-you-thought-bay-area-homes-were-expensive/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2008/05/13/and-you-thought-bay-area-homes-were-expensive/#comments</comments>
		<pubDate>Wed, 14 May 2008 00:20:40 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/?p=22</guid>
		<description><![CDATA[Recently reported on Forbes.com: the world&#8217;s first billion-dollar home. Yes, &#8220;billion.&#8221; With a &#8220;B.&#8221; While that figure may sound impossibly high, consider this: the new 27-story tower home of Indian petrochemical tycoon Mukesh Ambani and his family will not simply break the billion-dollar barrier &#8212; it will shatter it by an order of two. That&#8217;s [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=22&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2008/05/13/and-you-thought-bay-area-homes-were-expensive/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
		</media:content>

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			<media:title type="html">$2,000,000,000 home</media:title>
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		<item>
		<title>As ARMs reset, little of the expected chaos is coming to fruition</title>
		<link>http://bayareapropertyblog.wordpress.com/2008/05/01/as-arms-reset-little-of-the-expected-chaos-is-coming-to-fruition/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2008/05/01/as-arms-reset-little-of-the-expected-chaos-is-coming-to-fruition/#comments</comments>
		<pubDate>Thu, 01 May 2008 23:52:21 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[loans]]></category>
		<category><![CDATA[trends]]></category>
		<category><![CDATA[Add new tag]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/?p=19</guid>
		<description><![CDATA[Worries that subprime mortgages originated during the peak real estate market would sideswipe borrowers with giant monthly payment increases have been reduced by Federal Reserve rate cuts and other steps to stimulate the nation’s credit markets.  In fact, some borrowers with resets occurring today are finding their monthly payments staying much the same. Many Adjustable [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=19&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2008/05/01/as-arms-reset-little-of-the-expected-chaos-is-coming-to-fruition/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<item>
		<title>Congress Sends President Stimulus Package &#8212; Final Bill Includes Increased Loan Limits</title>
		<link>http://bayareapropertyblog.wordpress.com/2008/02/07/congress-sends-president-stimulus-package-final-bill-includes-increased-loan-limits/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2008/02/07/congress-sends-president-stimulus-package-final-bill-includes-increased-loan-limits/#comments</comments>
		<pubDate>Fri, 08 Feb 2008 01:28:48 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[trends]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2008/02/07/congress-sends-president-stimulus-package-final-bill-includes-increased-loan-limits/</guid>
		<description><![CDATA[Thanks in part to lobbying by C.A.R. and NAR members, the Senate passed their version of an economic stimulus package today, Thursday, February 07, 2008.  The Senate version expands rebate checks for seniors and disabled veterans and includes the same increases to the conforming loan limits for both GSE and FHA found in the House [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=18&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2008/02/07/congress-sends-president-stimulus-package-final-bill-includes-increased-loan-limits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<item>
		<title>East Bay Tops State Average for Affordability</title>
		<link>http://bayareapropertyblog.wordpress.com/2007/03/07/10/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2007/03/07/10/#comments</comments>
		<pubDate>Wed, 07 Mar 2007 23:33:35 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2007/03/07/10/</guid>
		<description><![CDATA[According to a recent report released by the California Association of Realtors (&#8220;CAR&#8221;), the percentage of households who could afford to buy an entry-level home in California stood at 25% in the fourth quarter of 2006, compared with 27% for the same period a year ago. For condominiums, the percentage was unchanged, at 37%. CAR’s [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=10&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2007/03/07/10/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<title>San Francisco = cheap!?</title>
		<link>http://bayareapropertyblog.wordpress.com/2007/03/06/san-francisco-not-that-expensive/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2007/03/06/san-francisco-not-that-expensive/#comments</comments>
		<pubDate>Tue, 06 Mar 2007 18:01:32 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[trends]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2007/03/06/san-francisco-not-that-expensive/</guid>
		<description><![CDATA[Okay, so in my last post I went on record saying that the local real estate market functions fairly independently of the national market, etc., etc. Real estate market aside, it turns out that San Francisco just isn&#8217;t that expensive. According to the Economist Intelligence Unit&#8217;s annual cost-of-living ranking, which totals prices for a market [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=8&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2007/03/06/san-francisco-not-that-expensive/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<item>
		<title>Housing Bubble, Toil &amp; Trouble</title>
		<link>http://bayareapropertyblog.wordpress.com/2007/03/05/housing-bubble-toil-trouble/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2007/03/05/housing-bubble-toil-trouble/#comments</comments>
		<pubDate>Mon, 05 Mar 2007 23:39:22 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[trends]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2007/03/05/housing-bubble-toil-trouble/</guid>
		<description><![CDATA[While it may not be completely applicable to the BAREM (Bay Area Real Estate Market), there is a pretty interesting article in Slate&#8217;s Moneybox column comparing the 2007 real estate industry to the tech market of 2000-01. While following national trends can be interesting, they can be poor barometers of the local market.  Any parallels [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=6&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2007/03/05/housing-bubble-toil-trouble/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<title>Behind on your mortgage?</title>
		<link>http://bayareapropertyblog.wordpress.com/2007/03/05/behind-on-your-mortgage/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2007/03/05/behind-on-your-mortgage/#comments</comments>
		<pubDate>Mon, 05 Mar 2007 22:59:49 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2007/03/05/behind-on-your-mortgage/</guid>
		<description><![CDATA[A recent article by Kathleen Pender in the SF Chronicle offers some valuable insights for homeowners who are finding themselves unable to keep up with their mortgage payments. Among those insights: * Talk to your lender. While this may seem to some to be a no-brainer, it is surprising to note that roughly half of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=5&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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		<title>Welcome to the Bay Area Property Blog</title>
		<link>http://bayareapropertyblog.wordpress.com/2007/02/14/welcome-to-the-bay-area-property-blog/</link>
		<comments>http://bayareapropertyblog.wordpress.com/2007/02/14/welcome-to-the-bay-area-property-blog/#comments</comments>
		<pubDate>Thu, 15 Feb 2007 00:42:58 +0000</pubDate>
		<dc:creator>Cameron</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bayareapropertyblog.wordpress.com/2007/02/14/welcome-to-the-bay-area-property-blog/</guid>
		<description><![CDATA[Following some rather frustrating technical difficulties, we are back up and running. I have scrapped the entire history of this blog and an starting fresh. After all, the market has changed so much from the heady days of 2005-06. We&#8217;re just keeping pace. Plus, it&#8217;s Valentine&#8217;s Day &#8212; share the love. My goal for this [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=bayareapropertyblog.wordpress.com&amp;blog=782371&amp;post=3&amp;subd=bayareapropertyblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://bayareapropertyblog.wordpress.com/2007/02/14/welcome-to-the-bay-area-property-blog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Cameron</media:title>
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