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	<title>Patty&#039;s &#34;All Things Real Estate&#34; Blog. &#187; Realtor</title>
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	<description>Real Estate Sales and Property Management</description>
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		<title>Three ways to liven up a Drab kitchen</title>
		<link>http://pattymanzi.com/2010/02/01/three-ways-to-liven-up-a-drab-kitchen/</link>
		<comments>http://pattymanzi.com/2010/02/01/three-ways-to-liven-up-a-drab-kitchen/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 03:16:49 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">/?p=296</guid>
		<description><![CDATA[ When you have a big gathering at your house, no matter where you try to set up the food and beverages, the crowd inevitably ends up gathering in your kitchen. The problem is you may not be proud of the kitchen you have.  So what do you do? There are many different ways for you [...]]]></description>
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		<title>Your Title Insurance Policy</title>
		<link>http://pattymanzi.com/2010/01/26/your-title-insurance-policy/</link>
		<comments>http://pattymanzi.com/2010/01/26/your-title-insurance-policy/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 01:29:10 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">/?p=294</guid>
		<description><![CDATA[So you&#8217;ve decided to enter the wonderful world of Pleasanton Real Estate and buy a home!  Your agent writes a purchase contract for you which includes a box checked that says &#8220;Buyer shall pay for owner&#8217;s title insurance policy specified in paragraph 12E.&#8221;  What exactly does this mean? Title insurers, unlike home &#38; auto insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Short Sale Saga &#8211; Present Day!</title>
		<link>http://pattymanzi.com/2010/01/25/the-short-sale-saga-present-day/</link>
		<comments>http://pattymanzi.com/2010/01/25/the-short-sale-saga-present-day/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 21:06:35 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=291</guid>
		<description><![CDATA[I&#8217;m about to catch you up to the current day on my short sale story.  I noticed this morning on the online tracking system that the negotiators name had been changed from &#8220;Generic Negotiator&#8221; to an actual persons name, complete with an email address!  Naturally I fired off an email with many questions.  I am [...]]]></description>
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		<title>The Short Sale Saga &#8211; Happy New Year!</title>
		<link>http://pattymanzi.com/2010/01/22/the-short-sale-saga-happy-new-year/</link>
		<comments>http://pattymanzi.com/2010/01/22/the-short-sale-saga-happy-new-year/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 03:59:15 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=287</guid>
		<description><![CDATA[Its January 12th and I&#8217;ve been checking the online site daily for new tasks and none have been issued.  I call the bank to get an update and am advised that all tasks are complete on my part but the (elusive &#38; unamed) negotiator has an outstanding task that was due to be completed on [...]]]></description>
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		<title>The Short Sale Saga- December, Part Deux</title>
		<link>http://pattymanzi.com/2010/01/20/the-short-sale-saga-december-continued/</link>
		<comments>http://pattymanzi.com/2010/01/20/the-short-sale-saga-december-continued/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 03:53:43 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=283</guid>
		<description><![CDATA[In mid-December we have some movement. I received a call from a agent who has an order from the bank to do a &#8220;BPO&#8221;.  A BPO is a Broker Price Opinion.  The bank hires independent agents to go out and do an interior &#38; exterior visual evaluation of the property condition, take some photos, and report [...]]]></description>
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		<title>HomePath Financing Program for REO homes</title>
		<link>http://pattymanzi.com/2010/01/17/homepath-financing-program/</link>
		<comments>http://pattymanzi.com/2010/01/17/homepath-financing-program/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 03:49:57 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">/?p=278</guid>
		<description><![CDATA[The HomePath financing program is a program designed to move REO homes.  The benefits of this program include: Low down payment and flexible mortgage terms, including fixed-rate &#38; adjustable, at as little as 5%. Borrowers with less than perfect credit may qualify Available for owner occupied properties, or second home investments The down payment of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Short Sale Saga &#8211; December, Baby its cold outside&#8230;.</title>
		<link>http://pattymanzi.com/2010/01/16/the-short-sale-saga-december-baby-its-cold-outside/</link>
		<comments>http://pattymanzi.com/2010/01/16/the-short-sale-saga-december-baby-its-cold-outside/#comments</comments>
		<pubDate>Sat, 16 Jan 2010 21:47:45 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=274</guid>
		<description><![CDATA[Ah December, the holidays are looming, the end of the year is near, and it sure would be nice for all parties concerned to have a conclusion to this situation before 2010 is upon us.  Uh&#8230;.no such luck however.  The bank seems to have taken a vacation too&#8230;.. First phone call of the month I [...]]]></description>
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		<title>The Short Sale Saga &#8211; November, the waiting game&#8230;.</title>
		<link>http://pattymanzi.com/2010/01/14/the-short-sale-saga-november-the-waiting-game/</link>
		<comments>http://pattymanzi.com/2010/01/14/the-short-sale-saga-november-the-waiting-game/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 21:20:26 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=269</guid>
		<description><![CDATA[November was a very interesting month, and one that really shed some light on the incompetency of the short-sale &#8216;department&#8217;.  First call to verify docs had been received.  The rep says it appears they have received the short sale package and purchase agreement and the docs have been uploaded to the system. However the file [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Short Sale Saga &#8211; October, things are rolling now!</title>
		<link>http://pattymanzi.com/2010/01/12/the-short-sale-saga-october-things-are-rolling-now/</link>
		<comments>http://pattymanzi.com/2010/01/12/the-short-sale-saga-october-things-are-rolling-now/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 21:04:37 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=267</guid>
		<description><![CDATA[Called the bank to report we have an accepted offer on the property.  I was transferred to the short-sale department &#8211; immediately &#8211; just like they said.  Well, aside from the zillion questions they ask when they answer the phone; loan number, seller social security number, property address, borrowers names, my name, my company name, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Short Sale Saga &#8211; September, the slow month</title>
		<link>http://pattymanzi.com/2010/01/10/the-short-sale-saga-september-the-slow-month/</link>
		<comments>http://pattymanzi.com/2010/01/10/the-short-sale-saga-september-the-slow-month/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 04:59:18 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Pleasanton Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">/?p=262</guid>
		<description><![CDATA[Not much happened between the time the bank was contacted and the day the offer is submitted.  Mostly just a period of collecting inforamtion for thefile and collecting financial information from the seller. September consisted of calling the bank weekly to inquire about status of NOD and the loan balances. Was advised that the lender would need a new [...]]]></description>
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