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	<title>Patty&#039;s &#34;All Things Real Estate&#34; Blog. &#187; buying</title>
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	<description>Real Estate Sales and Property Management</description>
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		<title>It takes more than a down-payment to buy a home.</title>
		<link>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/</link>
		<comments>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 05:40:47 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">/?p=194</guid>
		<description><![CDATA[I talk to lots of people about buying homes.  Not long ago I was talking to a newlywed couple and they mentioned they wanted to buy a house and they were saving for a down-payment.  I then asked them what else they were doing to prepare for the home purchase.  They looked at me with [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ten Commandments for Buyers in Contract</title>
		<link>http://pattymanzi.com/2009/07/28/ten-commandments-for-buyers-in-contract/</link>
		<comments>http://pattymanzi.com/2009/07/28/ten-commandments-for-buyers-in-contract/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 05:29:08 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">/?p=139</guid>
		<description><![CDATA[I recently heard a story about a buyer who was in contract to buy a home, had received his loan approval, then went out and bought a car using a cash down payment!  Long story short, the loan was rejected in final underwriting review because the purchase of the new car had changed the debt to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Warranty Protection</title>
		<link>http://pattymanzi.com/2009/07/21/home-warranty-protection/</link>
		<comments>http://pattymanzi.com/2009/07/21/home-warranty-protection/#comments</comments>
		<pubDate>Wed, 22 Jul 2009 04:25:37 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Home Maintenance Tips]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Homes]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=126</guid>
		<description><![CDATA[Here is a little information on home warranties for resale and new homes. Resale Home Warranties- When you purchase a resale home, you can purchase a home warranty plan that will protect you against most ordinary flaws and breakdowns for at least the first year of occupancy.  The warranty may be offered by the Seller as [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using a Realtor to Purchase a Brand New Home</title>
		<link>http://pattymanzi.com/2009/07/20/using-a-realtor-to-purchase-a-new-home-new-construction/</link>
		<comments>http://pattymanzi.com/2009/07/20/using-a-realtor-to-purchase-a-new-home-new-construction/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 05:06:54 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Home Sales]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=121</guid>
		<description><![CDATA[I&#8217;m often asked the question:  Why should I use a real estate agent to purchase a brand new home? The advantages of having an agent help you purchase a newly constructed home are the same as those for purchasing a resale home&#8230;..knowledge of the market, help in finding the perfect home quickly, expertise in contract [...]]]></description>
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		<item>
		<title>Choosing the Right Neighborhood</title>
		<link>http://pattymanzi.com/2009/07/19/choosing-the-right-neighborhood/</link>
		<comments>http://pattymanzi.com/2009/07/19/choosing-the-right-neighborhood/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 04:33:38 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=117</guid>
		<description><![CDATA[Choosing the right neighborhood is almost as important as choosing the right house!  There are many factors to consider when selecting a neighborhood that is right for you.  Below are just a few of the many factors &#8211; You may think of others that are important to you.  Please write them on your &#8216;requirements&#8217; list [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Take Notes on Homes you Tour</title>
		<link>http://pattymanzi.com/2009/07/18/take-notes-on-homes-you-tour/</link>
		<comments>http://pattymanzi.com/2009/07/18/take-notes-on-homes-you-tour/#comments</comments>
		<pubDate>Sun, 19 Jul 2009 00:48:36 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=112</guid>
		<description><![CDATA[When you start looking for a home you will find that there are many beautiful homes on the market.  There are a few things I suggest you do before you start looking at homes.  If you do these two simple things, it will make your home touring a more productive process.  You will not waste time looking at things [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Brokerage Relationships</title>
		<link>http://pattymanzi.com/2009/07/16/real-estate-brokerage-relationships/</link>
		<comments>http://pattymanzi.com/2009/07/16/real-estate-brokerage-relationships/#comments</comments>
		<pubDate>Fri, 17 Jul 2009 01:33:01 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Selling Real Estate]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Pleasanton California Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=104</guid>
		<description><![CDATA[Here is a brief explanation of the responsibilities of the Buyer&#8217;s Agent and Seller&#8217;s Agent in a transaction. In California,Real Estate brokers and their sales persons are required to disclose the type of working relationship they have with the buyers and sellers in a real estate transaction.  There are several types of relationships that are available [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Getting Pre-Approved for a loan</title>
		<link>http://pattymanzi.com/2009/07/15/getting-pre-approved-for-a-loan/</link>
		<comments>http://pattymanzi.com/2009/07/15/getting-pre-approved-for-a-loan/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 22:38:54 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Pleasanton California Real Estate]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=97</guid>
		<description><![CDATA[I was asked the other day about why someone would need to get &#8216;pre-approved&#8217; for a loan before looking for a home.  Here&#8217;s why: If you are serious about buying a home, your next step is to get a &#8216;pre-approval&#8217; from a reputable Lender.  By doing this before looking at homes, you&#8217;ll save yourself time, energy, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Step-by-Step&#8230;.The buying process</title>
		<link>http://pattymanzi.com/2009/07/14/step-by-stepthe-buying-process/</link>
		<comments>http://pattymanzi.com/2009/07/14/step-by-stepthe-buying-process/#comments</comments>
		<pubDate>Tue, 14 Jul 2009 20:46:09 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Dublin Real Estate]]></category>
		<category><![CDATA[Livermore Real Estate]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=91</guid>
		<description><![CDATA[If you are a first-time home-buyer, or a buyer who hasn&#8217;t purchased a home in the last 10 years or more, here are some basic guidelines of what to expect during the buying process. Find a Realtor® you can trust.  The first step in the home buying process is to find an experienced Realtor® that you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Why do you need a Realtor®?</title>
		<link>http://pattymanzi.com/2009/07/13/why-do-you-need-a-realtor%c2%ae/</link>
		<comments>http://pattymanzi.com/2009/07/13/why-do-you-need-a-realtor%c2%ae/#comments</comments>
		<pubDate>Tue, 14 Jul 2009 00:02:27 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Dublin Real Estate]]></category>
		<category><![CDATA[Livermore Real Estate]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[buying]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=85</guid>
		<description><![CDATA[I sometimes  have people ask why they need a real estate agent to assist them with buying a home.  Here is my answer. A REALTOR® brings a wealth of knowledge and experience to the business of buying a home.  In fact, a licensed real estate professional provides much more than the service of helping you find [...]]]></description>
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