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	<title>Patty Manzi's Tri-Valley Real Estate Blog &#187; buying</title>
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	<link>http://pattymanzi.com</link>
	<description>The fastest way to get the inside scoop for what's happening with Pleasanton, Dublin, and Livermore real estate.</description>
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			<item>
		<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>Patricia 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>
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		<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>Patricia 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>Patricia 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 part of [...]]]></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>Patricia 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 writing/negotiation, [...]]]></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>Patricia 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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		</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>Patricia 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>Patricia 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 to [...]]]></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>Patricia 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, and [...]]]></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>Patricia 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 can [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2009/07/14/step-by-stepthe-buying-process/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>Patricia 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 the [...]]]></description>
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