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	<title>DavidCares</title>
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	<link>http://davidcares.com</link>
	<description>Life and Real Estate in San Diego</description>
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		<title>What is a Mello-Roos</title>
		<link>http://davidcares.com/2012/06/12/buyers/what-is-a-mello-roos/</link>
		<comments>http://davidcares.com/2012/06/12/buyers/what-is-a-mello-roos/#comments</comments>
		<pubDate>Tue, 12 Jun 2012 18:16:33 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[communities]]></category>
		<category><![CDATA[construction]]></category>
		<category><![CDATA[Mello]]></category>
		<category><![CDATA[Mello-Roos]]></category>
		<category><![CDATA[property tax]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Roos]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1942</guid>
		<description><![CDATA[They say there are 2 guarantees in life; death and taxes. Fortunately, in real estate in San Diego I do not deal with death too often. However, taxes are a daily item for any real estate agent. All properties have some form of property tax. The exact amount varies by community but a good starting [...]]]></description>
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		<title>Home Affordable Foreclosure Alternative HAFA Changes</title>
		<link>http://davidcares.com/2012/06/08/finance-2/home-affordable-foreclosure-alternative-hafa-changes/</link>
		<comments>http://davidcares.com/2012/06/08/finance-2/home-affordable-foreclosure-alternative-hafa-changes/#comments</comments>
		<pubDate>Fri, 08 Jun 2012 20:44:25 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home seller]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1938</guid>
		<description><![CDATA[One thing is certain in the short sale and real estate arena – changes happen. Most of the time, lately, the changes are good. We are seeing the timelines for short sale approvals shorten to more appropriate lengths (30-60 days instead of 6-12 months.) On June 15, 2012 there are some changes that go into [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>3 keys to selling and buying at the same time</title>
		<link>http://davidcares.com/2012/05/15/sellers/3-keys-to-selling-and-buying-at-the-same-time/</link>
		<comments>http://davidcares.com/2012/05/15/sellers/3-keys-to-selling-and-buying-at-the-same-time/#comments</comments>
		<pubDate>Tue, 15 May 2012 19:37:46 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Sellers]]></category>
		<category><![CDATA[buy]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[santee]]></category>
		<category><![CDATA[Sell]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1931</guid>
		<description><![CDATA[Regardless if you are buying a home or selling a home it is an event that is filled with timelines and challenges. Events must take place in a certain order and with positive outcomes (like inspections, appraisals, approvals) or else the whole transaction comes to a halt. If you are purchasing a home and selling [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is A Loan Modification Right For You</title>
		<link>http://davidcares.com/2012/04/23/real-estate-2/is-a-loan-modification-right-for-you/</link>
		<comments>http://davidcares.com/2012/04/23/real-estate-2/is-a-loan-modification-right-for-you/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 21:49:30 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[distress]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[santee]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[upsidedown]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1926</guid>
		<description><![CDATA[Depending on what site you read from distressed homes (underwater) range anywhere from 25% to 33% of all homes in America. Think about that for a second, that is one staggering number. Despite subtle signs of an economic recovery, many home owners are facing tough financial challenges. Their mortgage payment is taking a huge chunk [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>What is the Mortgage Forgiveness Debt Relief Act</title>
		<link>http://davidcares.com/2012/04/11/sellers/what-is-the-mortgage-forgiveness-debt-relief-act/</link>
		<comments>http://davidcares.com/2012/04/11/sellers/what-is-the-mortgage-forgiveness-debt-relief-act/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 16:22:40 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Sellers]]></category>
		<category><![CDATA[cancellation of debt income]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[MFDRA]]></category>
		<category><![CDATA[mortgage forgiveness debt relief act]]></category>
		<category><![CDATA[phantom income]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1920</guid>
		<description><![CDATA[One of the best Acts to come out of Congress is the Mortgage Forgiveness Debt Relief Act of 2007. Since it has been enacted it has had extensions and is currently set to terminate on Dec 31, 2012. What is the Mortgage Forgiveness Debt Relief Act? (MFDRA) The MFDRA was designed to protect home owners [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<title>You now own a home</title>
		<link>http://davidcares.com/2012/03/26/buyers/you-now-own-a-home/</link>
		<comments>http://davidcares.com/2012/03/26/buyers/you-now-own-a-home/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 16:18:15 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[home warranty]]></category>
		<category><![CDATA[impounds]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[property taxes]]></category>
		<category><![CDATA[Services]]></category>
		<category><![CDATA[tax breaks]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1914</guid>
		<description><![CDATA[In the last article we closed escrow and the buyer now owns the home. This final article is designed to cover some important aspects of home ownership that the buyer might not be aware of. I write this to help a new owner avoid some mistakes. Home Warranty At some point during the home purchase [...]]]></description>
		<wfw:commentRss>http://davidcares.com/2012/03/26/buyers/you-now-own-a-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Closing escrow</title>
		<link>http://davidcares.com/2012/03/23/buyers/closing-escrow/</link>
		<comments>http://davidcares.com/2012/03/23/buyers/closing-escrow/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 20:52:37 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[closing escrow]]></category>
		<category><![CDATA[deed]]></category>
		<category><![CDATA[funding]]></category>
		<category><![CDATA[loan signing]]></category>
		<category><![CDATA[real estate purchase]]></category>
		<category><![CDATA[recording]]></category>
		<category><![CDATA[santee]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1911</guid>
		<description><![CDATA[The most exciting week of the home purchase process is the closing of escrow. In the last article I wrote of all the different parties working together in escrow to get to this moment. Now all the pieces are in place and it is time to close escrow. The final week: 1. Buyer deposits down [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The escrow process</title>
		<link>http://davidcares.com/2012/03/22/buyers/the-escrow-process/</link>
		<comments>http://davidcares.com/2012/03/22/buyers/the-escrow-process/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 18:32:00 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[contingency removal]]></category>
		<category><![CDATA[escrow]]></category>
		<category><![CDATA[property inspections]]></category>
		<category><![CDATA[Title]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1906</guid>
		<description><![CDATA[The last 2 articles covered how to make an offer on a home and examined some key aspects of the CA Residential Purchase Agreement (RPA) contract. The buyer submits an offer and the seller accepts the offer; now we enter into the escrow period. When you go to a store and you purchase something the [...]]]></description>
		<wfw:commentRss>http://davidcares.com/2012/03/22/buyers/the-escrow-process/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The CA Residential Purchase Agreement</title>
		<link>http://davidcares.com/2012/03/21/buyers/the-ca-residential-purchase-agreement/</link>
		<comments>http://davidcares.com/2012/03/21/buyers/the-ca-residential-purchase-agreement/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 23:17:27 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[agreement]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[CA]]></category>
		<category><![CDATA[Calif]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[residential]]></category>
		<category><![CDATA[santee]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1902</guid>
		<description><![CDATA[In the last posting I spoke about how to make a stronger offer when you want to purchase a home. One of the main contracts that is used is the Residential Purchase Agreement. This 8 page document is the back bone of buying a home. It is absolutely critical that a buyer understands this contract. [...]]]></description>
		<wfw:commentRss>http://davidcares.com/2012/03/21/buyers/the-ca-residential-purchase-agreement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Making on offer on a home is more than price</title>
		<link>http://davidcares.com/2012/03/20/buyers/making-on-offer-on-a-home-is-more-than-price/</link>
		<comments>http://davidcares.com/2012/03/20/buyers/making-on-offer-on-a-home-is-more-than-price/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 17:41:29 +0000</pubDate>
		<dc:creator>David Cairns</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[buy a home]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[RPA]]></category>
		<category><![CDATA[santee]]></category>

		<guid isPermaLink="false">http://davidcares.com/?p=1896</guid>
		<description><![CDATA[So you have now found the right home through searching on the internet (previous article) and visiting homes. See that wasn’t so bad. Now it is time to make an offer. There are many considerations in making an offer. The Price There is a saying in real estate; everything is negotiable. And this includes the price. [...]]]></description>
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		<slash:comments>1</slash:comments>
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