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<title>Real Insights - A Conversation with Real Estate Professionals</title>
<link>http://www.pmz.com/insights/</link>
<description>Real Insights provides our clients and industry professionals with insight into the real estate market.</description>
<lastBuildDate>Wed, 7 Jul 2010 15:57:00 GMT</lastBuildDate>
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<title>Tax Credit Extension Explained for Buyers in Escrow</title>
<category>Buying a Home</category>
<link>http://www.pmz.com/insights/?v=8</link>
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<pubDate>Wed, 7 Jul 2010 15:57:00 GMT</pubDate>
<description><![CDATA[ The Homebuyers Assistance and Improvement Act of 2010 was extended by President Obama on July 6th, which means buyers currently in escrow are still eligible for this credit. Tony Frerking of Scenic Oaks Funding explains why this extension will help to continue stabilizing the housing market locally. ]]></description>
</item>

<item>
<title>Credit Mistakes to Avoid While in Escrow</title>
<category>Understanding Credit</category>
<link>http://www.pmz.com/insights/?v=7</link>
<guid>http://www.pmz.com/insights/?v=7</guid>
<pubDate>Thu, 24 Jun 2010 15:20:00 GMT</pubDate>
<description><![CDATA[ On June 1st, Fannie Mae enacted a new loan qualifying initiative that verifies borrowers have not taken on any additional debt between application and close. This is especially important to those who's credit is at the brink of approval. In part 2 of our "Understanding Credit" series, Daniel Sosa with Scenic Oaks Funding explains what not to do with your credit during the escrow period. ]]></description>
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<item>
<title>What Makes Up a Score? How Do I Increase It?</title>
<category>Understanding Credit</category>
<link>http://www.pmz.com/insights/?v=6</link>
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<pubDate>Thu, 17 Jun 2010 15:18:00 GMT</pubDate>
<description><![CDATA[ One of the challenges of buying a home is understanding how to navigate the waters as it relates to your credit. In the first of our series on understanding credit, Tony Frerking of Scenic Oaks Funding explains what makes up a credit score. The minimum requirements needed to obtain a home loan, and what you can do yourself to help improve your score, and save thousands on your home purchase. ]]></description>
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<item>
<title>What is a Home Warranty? Why Do I Need It?</title>
<category>Buying a Home</category>
<link>http://www.pmz.com/insights/?v=5</link>
<guid>http://www.pmz.com/insights/?v=5</guid>
<pubDate>Wed, 9 Jun 2010 20:35:00 GMT</pubDate>
<description><![CDATA[ In a market where homes are often vacant for more than 6 months, a home warranty is a valuable asset for peace of mind. Jamie Eger with American Home Shield explains home warranties, what you get for the money - and how they can save you thousands in the first twelve months in your new home. ]]></description>
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<item>
<title>Are Short Sales Taking Over the Market?</title>
<category>Buying a Home</category>
<link>http://www.pmz.com/insights/?v=4</link>
<guid>http://www.pmz.com/insights/?v=4</guid>
<pubDate>Fri, 4 Jun 2010 16:58:00 GMT</pubDate>
<description><![CDATA[ PMZ sales manager Richard Hundley discusses a trend he's witnessed first hand - a move from primarily foreclosure listings to short sales taking over the market. He discusses why this trend is happening, how agents are better equipped to handle a short sale, why banks are processing them faster, and how they could benefit you. ]]></description>
</item>

<item>
<title>How Do I Obtain a New Home Loan After a Short Sale?</title>
<category>Buying a Home</category>
<link>http://www.pmz.com/insights/?v=3</link>
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<pubDate>Fri, 21 May 2010 16:58:00 GMT</pubDate>
<description><![CDATA[ Scenic Oaks Funding broker Daniel Sosa explains the current rules on purchasing after a Short Sale set by FHA and Fannie Mae, and modifications coming to make it easier to purchase again. ]]></description>
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<item>
<title>AB 183 Explained: The California homebuyer tax credit</title>
<category>Buying a Home</category>
<link>http://www.pmz.com/insights/?v=2</link>
<guid>http://www.pmz.com/insights/?v=2</guid>
<pubDate>Wed, 5 May 2010 15:58:00 GMT</pubDate>
<description><![CDATA[ PMZ Stockton agent Michelle Diago explains the new California real estate tax credit, AB183. Effective May 1st, a $10,000 tax credit is allocated to first-time and new home buyers who purchase between now and December 31, 2010. ]]></description>
</item>

<item>
<title>Is a short sale right for me?</title>
<category>Selling a Home</category>
<link>http://www.pmz.com/insights/?v=1</link>
<guid>http://www.pmz.com/insights/?v=1</guid>
<pubDate>Wed, 28 Apr 2010 15:58:00 GMT</pubDate>
<description><![CDATA[ PMZ sales manager Jeff Green explains the short sale process for sellers, and why he feels now is a good time to weigh your options and avoid foreclosure. ]]></description>
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