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		<title>New San Rafael Listing!</title>
		<link>http://landmarknorthbay.com/2011/11/new-san-rafael-listing/</link>
		<comments>http://landmarknorthbay.com/2011/11/new-san-rafael-listing/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 01:54:12 +0000</pubDate>
		<dc:creator>nicole</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/?p=1085</guid>
		<description><![CDATA[Beautiful Cape Cod Marinwood home in the desirable Dixie School District. Four bedroom, two bath home on a large lot. Many updates to this home and in move in condition. Two story with new roof, solar tubes, skylights and air conditioning. Upgraded electrical, plumbing and finished attic storage area. A definite must see! Call us [...]]]></description>
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		<title>HAMP and HAFA</title>
		<link>http://landmarknorthbay.com/2010/04/hamp-and-hafa/</link>
		<comments>http://landmarknorthbay.com/2010/04/hamp-and-hafa/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 20:46:17 +0000</pubDate>
		<dc:creator>tenret</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[HAMP servicers]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/?p=676</guid>
		<description><![CDATA[Struggling homeowners are beginning to see some new programs rolled out that may help them avoid foreclosure.  Foreclosure is the last and worst option for both the homeowner and for all of us in the neighborhood.  The homeowner gets forced out of their home, their credit scores are lowered by over 200 points which will [...]]]></description>
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		<title>Disclosure (or what do I tell the buyers?)</title>
		<link>http://landmarknorthbay.com/2010/02/disclosure-or-what-do-i-tell-the-buyers/</link>
		<comments>http://landmarknorthbay.com/2010/02/disclosure-or-what-do-i-tell-the-buyers/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 00:00:29 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[disclosures]]></category>
		<category><![CDATA[real estate disclosures]]></category>
		<category><![CDATA[selling real estate]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=294</guid>
		<description><![CDATA[When discussing options with home sellers, one question that always comes up is- &#8216;What should I tell the buyers regarding the condition of the property?&#8217; The question stems from a fear that if you were to tell the buyer everything you know about the condition of the house and the surrounding area, they may be [...]]]></description>
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		<title>Extended and Expanded home buyer credit</title>
		<link>http://landmarknorthbay.com/2009/12/283/</link>
		<comments>http://landmarknorthbay.com/2009/12/283/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 23:52:33 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[american recovery and reinvestment act]]></category>
		<category><![CDATA[home buyer credit]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=283</guid>
		<description><![CDATA[Extended and Expanded home buyer credit The American Recovery and Reinvestment Act is the wordy name that covers the extended and expanded tax credit for homebuyers. Buyers who have not owned a home in the last 3 years can get a credit of up to $8000 on their taxes while any eligible buyer can receive [...]]]></description>
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		<title>REO</title>
		<link>http://landmarknorthbay.com/2009/11/reo-hvcc-fha-what-does-it-all-mean/</link>
		<comments>http://landmarknorthbay.com/2009/11/reo-hvcc-fha-what-does-it-all-mean/#comments</comments>
		<pubDate>Sun, 01 Nov 2009 23:48:48 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[bankowned]]></category>
		<category><![CDATA[buying reo]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=278</guid>
		<description><![CDATA[REO (aka Foreclosures) REO&#8217;s or &#8216;Real Estate Owned&#8217; is what most people think of when they think of foreclosed properties. These are properties that are now owned by the bank. having been bought at a trustee sale after a long drawn out foreclosure process. Since banks are not in the business of owning property they [...]]]></description>
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		<title>HomePath &#8211; FannieMae REO</title>
		<link>http://landmarknorthbay.com/2009/10/homepath-fanniemae-reo/</link>
		<comments>http://landmarknorthbay.com/2009/10/homepath-fanniemae-reo/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 17:25:56 +0000</pubDate>
		<dc:creator>tenret</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[fannieMae]]></category>
		<category><![CDATA[home path]]></category>
		<category><![CDATA[homepath]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/?p=700</guid>
		<description><![CDATA[HomePath is a program specifically designed to finance liquidation of Fannie’s REO portfolio.   Properties offered by Fannie Mae and financed through this program are eligible for financing up to 95% (only 5% down payment) with credit scores as low as 620.  There is NO Appraisal, mortgage insurance &#38; no condo warranty required for these properties.  These are [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>2009 First Time Homebuyer Credit</title>
		<link>http://landmarknorthbay.com/2009/10/2009-first-time-homebuyer-credit/</link>
		<comments>http://landmarknorthbay.com/2009/10/2009-first-time-homebuyer-credit/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 23:45:27 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=275</guid>
		<description><![CDATA[As a means of stimulating the economy and the housing market, Congress has enacted legislation that grants a tax credit of up to $8000 to first-time homebuyers. This credit is available to buyers who have not owned a residence during the last three years. To qualify for the credit, the home being purchased must be [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What is Your Home Worth?</title>
		<link>http://landmarknorthbay.com/2009/08/what-is-your-home-worth/</link>
		<comments>http://landmarknorthbay.com/2009/08/what-is-your-home-worth/#comments</comments>
		<pubDate>Sat, 01 Aug 2009 23:41:21 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=272</guid>
		<description><![CDATA[Need help valuing you house! A good place to start is with some of the internet home value engines. Two popular sites that are often the first stop for valuation are Zillow and Cyberhomes. They are free and easy to use. Type in your address and in a few minutes you will have a rough [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Short Sale and Foreclosure Resource SFR</title>
		<link>http://landmarknorthbay.com/2009/04/short-sale-and-foreclosure-resource-sfr/</link>
		<comments>http://landmarknorthbay.com/2009/04/short-sale-and-foreclosure-resource-sfr/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 02:35:59 +0000</pubDate>
		<dc:creator>tenret</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/?p=696</guid>
		<description><![CDATA[I have recently been certified by the National Association of Realtors, NAR, as a Short Sale and Foreclosure Resource.  The training I have received has prepared me to guide sellers and buyers down the tricky path of distressed sales.  Give me a call for more information.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Selling in a DOWN Market (only if you have to)</title>
		<link>http://landmarknorthbay.com/2009/01/selling-in-a-down-market-only-if-you-have-to/</link>
		<comments>http://landmarknorthbay.com/2009/01/selling-in-a-down-market-only-if-you-have-to/#comments</comments>
		<pubDate>Thu, 01 Jan 2009 23:57:47 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://landmarknorthbay.com/wp/?p=291</guid>
		<description><![CDATA[Topics explored in this months electronic newsletter: *How to sell in a down market. *Mortgage news. *Understanding your credit report. Selling in a DOWN market (only if you have to) Many people think there is a perfect time to sell and buy both real estate and stocks, but the reality is you can&#8217;t time the [...]]]></description>
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