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	<title>Patty Manzi's Tri-Valley Real Estate Blog &#187; Real Estate</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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		<title>Selective Defaulters are on the rise</title>
		<link>http://pattymanzi.com/2010/07/14/selective-defaulters-are-on-the-rise/</link>
		<comments>http://pattymanzi.com/2010/07/14/selective-defaulters-are-on-the-rise/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 04:24:29 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=398</guid>
		<description><![CDATA[Image via Wikipedia



There is now a new name for people who voluntarily default on their mortgages.  The &#8217;selective defaulter&#8217; is someone who has a stable income and can more than afford their mortgage payments &#38; monthly expenses, but because their home has lost value and is worth less than is owed on the mortgage, the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pleasanton Real Estate Update</title>
		<link>http://pattymanzi.com/2010/07/03/pleasanton-real-estate-update/</link>
		<comments>http://pattymanzi.com/2010/07/03/pleasanton-real-estate-update/#comments</comments>
		<pubDate>Sat, 03 Jul 2010 16:23:44 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Pleasanton California]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=393</guid>
		<description><![CDATA[Image via Wikipedia



Pleasanton Real Estate Update
 As of Today, July 3, 2010 there are 248 Active listings on the Multiple Listing Service (MLS) in Pleasanton.
 There are 166 Pending sales (61 of which are Pending Subject to Lender Approval as they are a Short Sale/Potential Short Sale). 
 From the period of June 1-June 30, there were 89 Sold [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Can banks throw a tenant out after foreclosure?</title>
		<link>http://pattymanzi.com/2010/06/30/can-banks-throw-a-tenant-out-after-foreclosure/</link>
		<comments>http://pattymanzi.com/2010/06/30/can-banks-throw-a-tenant-out-after-foreclosure/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 23:46:34 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Property Management]]></category>
		<category><![CDATA[Eviction]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Tenant rights]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=387</guid>
		<description><![CDATA[I&#8217;ve been hearing a lot lately about banks trying to evict tenants from a home after the bank has foreclosed on the property.  Offering them &#8216;cash for keys&#8217; and REO agents using bullying tactics to force them out.  What we all need to remember is that Tenants do have rights and cannot be forced from the home. 
In [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2010/06/30/can-banks-throw-a-tenant-out-after-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it a &#8220;hassle&#8221; to make money?</title>
		<link>http://pattymanzi.com/2010/05/25/is-it-a-hassel-to-make-money/</link>
		<comments>http://pattymanzi.com/2010/05/25/is-it-a-hassel-to-make-money/#comments</comments>
		<pubDate>Wed, 26 May 2010 04:35:33 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Property Management]]></category>
		<category><![CDATA[Selling Real Estate]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Renting]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=370</guid>
		<description><![CDATA[I was watching a TV show this evening, you know those shows where the TV real estate agent helps someone sell their home.  This young couple inherited a small home and subsequently took out an equity loan to remodel the whole house.  After a few years and children on the way they purchase a newer [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The banks are sitting on a foreclosure &#8216;reserve&#8217; &#8211; its a myth&#8230;&#8230;</title>
		<link>http://pattymanzi.com/2010/03/15/the-banks-are-sitting-on-a-foreclosure-reserve-its-a-myth/</link>
		<comments>http://pattymanzi.com/2010/03/15/the-banks-are-sitting-on-a-foreclosure-reserve-its-a-myth/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 02:13:32 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage modification]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/?p=344</guid>
		<description><![CDATA[I&#8217;ve heard it, you&#8217;ve heard it, many people in the real estate industry are talking about it.  The banks are sitting on this huge reserve of foreclosed homes that are going to hit the market all at once and take down what&#8217;s left of our economy!&#8230;&#8230;..  ~NOT! ~ Its a myth.
Last February, HUD instituted the Home [...]]]></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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pleasanton, CA &#8211; Market Update</title>
		<link>http://pattymanzi.com/2009/07/10/pleasanton-ca-market-update/</link>
		<comments>http://pattymanzi.com/2009/07/10/pleasanton-ca-market-update/#comments</comments>
		<pubDate>Sat, 11 Jul 2009 00:52:52 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Market Updates]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Home Sales]]></category>
		<category><![CDATA[Homes]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[Pleasanton California]]></category>
		<category><![CDATA[Pleasanton California Real Estate]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Ruby Hill]]></category>

		<guid isPermaLink="false">http://pattymanzi.com/?p=70</guid>
		<description><![CDATA[As of today, July 10, 2009 there are 232 Active listings on the Multiple Listing Service (MLS) in Pleasanton.
 There are 159 Pending sales (58 of which are Pending Subject to Lender Approval as they are a Short Sale/Potential Short Sale). 
 From the period of July 1 &#8211; July 10, 2009, there were 16 Closed sales (escrow [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FREE Annual Credit Report!</title>
		<link>http://pattymanzi.com/2009/01/11/free-annual-credit-report/</link>
		<comments>http://pattymanzi.com/2009/01/11/free-annual-credit-report/#comments</comments>
		<pubDate>Tue, 30 Nov 1999 07:00:00 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/2009/01/11/free-annual-credit-report/</guid>
		<description><![CDATA[With the new year rapidly approaching, now is a good time to remind you that each year you are eligible to receive a FREE copy of your consumer credit report from each of the three major credit bureaus.  TransUnion, Experian, and Equifax will provide these to you at NO CHARGE. 
Go to www.AnnualCreditReport.com to obtain your [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2009/01/11/free-annual-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Streamlined Loan Modification Programs</title>
		<link>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/</link>
		<comments>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/#comments</comments>
		<pubDate>Tue, 30 Nov 1999 07:00:00 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/2009/01/11/streamlined-loan-modification-programs/</guid>
		<description><![CDATA[Loan Modification Program kicks in: On Monday (12/15), the Streamlined Loan Modification Program (SLMP) policies regarding loan modifications and foreclosure prevention became effective. The new policies apply to mortgages held by Fannie Mae, Freddie Mac and privately-held securities.
According to the Federal Housing Finance Agency eligible borrowers must meet the following criteria:

They must be owner-occupants;

They have missed three [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2009/01/11/streamlined-loan-modification-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CalHFA Suspends Program</title>
		<link>http://pattymanzi.com/2009/01/11/calhfa-suspends-program/</link>
		<comments>http://pattymanzi.com/2009/01/11/calhfa-suspends-program/#comments</comments>
		<pubDate>Tue, 30 Nov 1999 07:00:00 +0000</pubDate>
		<dc:creator>Patricia Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pmanzi.blogs.rwnetwork.com/2009/01/11/calhfa-suspends-program/</guid>
		<description><![CDATA[As of December 19th, CalHFA suspended the following active CalHFA First Mortgage Fixed Rate Loan Programs and Down Payment Assistance Programs:

30-year fixed mortgage products, including Moderate Income, Low Income, Non-Profits &#38; Affordable Housing Partnership Programs (AHPP), Extra Credit Teacher Programs (ECTP)
California Homebuyer&#8217;s Down Payment Assistance Program (CHDAP)
Extra Credit Teacher Program (ECTP)
School Facility Fee Down Payment [...]]]></description>
		<wfw:commentRss>http://pattymanzi.com/2009/01/11/calhfa-suspends-program/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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