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    <title>Brad Hatton's Blog</title>
    <link>http://activerain.com/blogs/bradhatton</link>
    <description></description>
    <language>en-us</language>
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      <guid>http://activerain.com/blogsview/2656150/photos-from-csd-open-house-2011</guid>
      <title>Photos from CSD Open House 2011</title>
      <description>&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/photo2.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/photo1.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/photo5.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/photo3.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/photo4.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Mon, 19 Dec 2011 18:52:18 -0800</pubDate>
      <link>http://activerain.com/blogsview/2656150/photos-from-csd-open-house-2011</link>
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      <guid>http://activerain.com/blogsview/2592649/california-school-for-the-deaf-open-house-11-11-11</guid>
      <title>California School for the Deaf - Open House 11/11/11</title>
      <description>&lt;img src="http://signlanguagerealestateagent.com/files/372634/CSD%2011%20Flyer.png" border="2" width="500"&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Mon, 07 Nov 2011 16:02:49 -0800</pubDate>
      <link>http://activerain.com/blogsview/2592649/california-school-for-the-deaf-open-house-11-11-11</link>
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    <item>
      <guid>http://activerain.com/blogsview/2505525/4th-annual-central-park-picnic-free-raffle-sunday-sep-18th</guid>
      <title>4th Annual Central Park Picnic &amp; Free Raffle! - Sunday Sep. 18th</title>
      <description>&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Picnic20111.png" width="500"&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/PicnicFlyerRaffle.png" width="500"&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/PicnicFremontMap.png" width="500"&gt;  &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 13 Sep 2011 15:02:31 -0700</pubDate>
      <link>http://activerain.com/blogsview/2505525/4th-annual-central-park-picnic-free-raffle-sunday-sep-18th</link>
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      <guid>http://activerain.com/blogsview/2403563/23rd-annual-garage-sale-this-weekend-7-16-7-16-9am-3pm</guid>
      <title>23rd Annual Garage Sale! This Weekend, 7/16 &amp; 7/16, 9am-3pm</title>
      <description>&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/AD2011.png" width="500"&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 13 Sep 2011 15:02:08 -0700</pubDate>
      <link>http://activerain.com/blogsview/2403563/23rd-annual-garage-sale-this-weekend-7-16-7-16-9am-3pm</link>
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    <item>
      <guid>http://activerain.com/blogsview/2302266/century-21-featured-on-special-episode-of-the-cake-boss-</guid>
      <title>Century 21 Featured on Special Episode of The Cake Boss!</title>
      <description>&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/CakeBossPromo1-500.png" border="4" alt=""&gt;&lt;br&gt;&lt;br&gt;What do Century 21 and The Cake Boss&amp;nbsp;have in common? Find out on June 6th during a special episode&amp;nbsp;on the Food Network! Century 21 and The Cake Boss have teamed up at The Mirage Hotel &amp;amp; Resort in Las Vegas for the 2011 Century 21 International Convention. Be sure to catch the episode on Monday, June 6th at 9:00PM.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 17 May 2011 19:26:33 -0700</pubDate>
      <link>http://activerain.com/blogsview/2302266/century-21-featured-on-special-episode-of-the-cake-boss-</link>
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      <guid>http://activerain.com/blogsview/2256463/fortune-magazine-it-s-time-to-buy-again</guid>
      <title>Fortune Magazine: It's Time to Buy Again</title>
      <description>&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/FortuneMag.jpg" height="261" alt="Fortune Magazine" width="200" style="margin: 2px; float: left; border: black 2px solid;"&gt;"After four years of plunging home prices, the most attractive asset class in America is housing," proclaims Fortune magazine, one of the world's premier business publications, in its April cover story.&lt;/p&gt;
&lt;p&gt;The article, headlined "&lt;a href="http://finance.fortune.cnn.com/2011/03/28/real-estate-its-time-to-buy-again/" target="_blank"&gt;The Return of Real Estate&lt;/a&gt;," explains that several market forces have created a more promising outlook for the industry. An excerpt:&lt;/p&gt;
&lt;p&gt;So let's state it simply and forcibly: Housing is back. Two basic factors are laying the foundation for dramatic recovery in residential real estate. The first is the historic drop in new construction. The second is a steep decline in prices, on the order of 30% nationwide since 2006, and as much as 55% in the hardest-hit markets. The story of this downturn has been an astonishing flight from the traditional American approach of buying new houses to an embrace of renting. But the new affordability will gradually lure Americans back to buying homes. And the return of the homeowner will start raising prices in many markets this year.&lt;/p&gt;
&lt;p&gt;The author, Senior Editor-at-Large Shawn Tully, acknowledges that demand has been extremely weak in recent years, but notes that a "remarkable shift in home affordability" and the cost of owning vs. renting bode well for housing's immediate future.&lt;/p&gt;
&lt;p&gt;The second measure, the cost of owning compared with renting, should also inspire potential buyers. In 28 out of 54 major markets, it's now cheaper to pay a mortgage and other major costs than to rent the same house. What's most compelling is that in all of the distressed markets, owning now wins by a wide margin -- a stunning reversal from four years ago. It now costs 34% less than renting in Atlanta. In Miami the average rent is now $1,031 a month, vs. the $856 it costs to carry a ranch house or stucco cottage as an owner.&lt;/p&gt;
&lt;p&gt;Some cities, especially those not immersed in foreclosures, will rebound sooner than others, Tully writes, but even the hardest-hit markets have reason for some level of optimism. One big reason: Investors.&lt;/p&gt;
&lt;p&gt;"People always want to live in those sunny locales, and their job markets are starting to recover, albeit slowly. In foreclosure markets, the inventory problem is far greater because it includes not just traditional resale homes but millions of distressed properties. Fortunately those houses are now such a screaming deal that investors, including lots of mom-and-pop buyers, are purchasing them at a rapid pace."&lt;/p&gt;
&lt;p&gt;The bottom line, Tully concludes, is that it's a great time to buy. His article's final advice for those on the fence: Beat the crowd.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Wed, 20 Apr 2011 18:56:11 -0700</pubDate>
      <link>http://activerain.com/blogsview/2256463/fortune-magazine-it-s-time-to-buy-again</link>
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      <guid>http://activerain.com/blogsview/2216820/century-21-international-convention-2011-las-vegas-</guid>
      <title>Century 21 International Convention 2011 - Las Vegas </title>
      <description>&lt;p&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas004.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas086.jpg" width="500"&gt;&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas130.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas077.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas038.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/LasVegas009.jpg" width="500"&gt;&lt;br&gt;&lt;br&gt;&lt;strong&gt;&lt;em&gt;To see the rest of the photos from the convention, please click &lt;/em&gt;&lt;/strong&gt;&lt;a href="http://s1006.photobucket.com/albums/af189/bradhatton/Las%20Vegas%20Convention%202011/?start=all" title="Photobucket" target="_blank"&gt;&lt;strong&gt;&lt;em&gt;here&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&lt;em&gt;.&lt;/em&gt;&lt;/strong&gt;&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Wed, 30 Mar 2011 14:18:16 -0700</pubDate>
      <link>http://activerain.com/blogsview/2216820/century-21-international-convention-2011-las-vegas-</link>
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      <guid>http://activerain.com/blogsview/2177078/centurion-producer-for-2010-</guid>
      <title>Centurion Producer for 2010!</title>
      <description>&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Centurion1.jpg" width="450"&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/Centurion2.jpg" width="450"&gt;  &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 08 Mar 2011 14:47:15 -0800</pubDate>
      <link>http://activerain.com/blogsview/2177078/centurion-producer-for-2010-</link>
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      <guid>http://activerain.com/blogsview/2127840/who-profits-from-foreclosure-</guid>
      <title>Who Profits From Foreclosure?</title>
      <description>&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/Blog%202-9-11.jpg" height="180" alt="" width="281" style="margin: 3px; float: left; border: black 4px solid;"&gt;Depsite an improving economy and government efforts to keep homeowners in their homes (HAFA and HAMP programs), foreclosures are still on the rise, especially in California. The San Francisco Bay Area has been especially hard hit. Some statistics: In 2010, foreclosure activity increased in 149 of the nation's 206 metropolitan areas with a population of 200,000 or more, according the foreclosure tracking company RealtyTrac. Also in 2010, more than 2.8 million homes in the U.S. had foreclosure filings. Banks, investors, and new homebuyers are often the ones to profit from foreclosures. Currently, in Alameda County, there are more than 7,000 properties in the foreclosure process. This does not include properties that have been sold at an auction. Every day, more properties are added to that number as Notice of Trustee Sales are filed. The good news is that there IS help for struggling homeowners. As a &lt;strong&gt;REALTOR&lt;/strong&gt;, part of my job is to provide homeowners with the help they need. I have 23 years of experience in this industry, and I have all the tools required to help struggling homeowners with a loan modification or&amp;nbsp;short sale. In this housing market and economy, homeowners can't afford to not consider their options. Foreclosure is not the only answer! If you or someone you know needs advice, please give me a call at 510-494-2120.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Wed, 09 Feb 2011 14:53:11 -0800</pubDate>
      <link>http://activerain.com/blogsview/2127840/who-profits-from-foreclosure-</link>
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      <guid>http://activerain.com/blogsview/2098811/fannie-mae-is-reaching-out-to-troubled-homeowners-with-new-website</guid>
      <title>Fannie Mae is Reaching Out to Troubled Homeowners With New Website</title>
      <description>&lt;p class="bodytext"&gt;Fannie Mae is finally stepping up and giving homeowners a great resource to turn to when they feel like they may be in trouble. Homeowners struggling with their mortgage payments are still increasing. The evidence:&amp;nbsp;the national foreclosure rate is now above 3%. Another 7% of homeowners are more than 90 days behind on their payments.&lt;/p&gt;
&lt;p&gt;Fannie Mae recently launched a new website, &lt;a href="http://www.knowyouroptions.com/"&gt;&lt;strong&gt;www.knowyouroptions.com&lt;/strong&gt;&lt;/a&gt;, that includes an interactive video simulation that allows users to role play various situtions. The "WaysHome" feature of the video&amp;nbsp;will connect with distressed homeowners. The "WaysHome" interactive video simulation takes a different approach than previous attempts by the mortgage industry to educate distressed homeowners about options to avoid foreclosure.&lt;/p&gt;
&lt;p&gt;The video features three characters in various stages of homeowner distress: Miguel Gonzalez is current on his mortgage but concerned about his financial situation; Jackie Williams is chronically late with her payment and is letting other bills slide to keep up; Richard Lane is delinquent and facing foreclosure. &lt;/p&gt;
&lt;p&gt;The simulation allows participants to make choices for the characters and shows the consequences. The video encourages distressed homeowners to seek help&amp;nbsp;early on,&amp;nbsp;and also warns them of the impact that taking no action can have on a person's credit and life in general.&lt;/p&gt;
&lt;p&gt;"With a variety of financial hardships and other circumstances affecting homeowners across the county, making educated decisions is more important than ever," Fannie Mae spokesman Jeff Hayward said. "It's a travesty when people lose their homes because they don't know or understand their options."&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 25 Jan 2011 20:06:55 -0800</pubDate>
      <link>http://activerain.com/blogsview/2098811/fannie-mae-is-reaching-out-to-troubled-homeowners-with-new-website</link>
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      <guid>http://activerain.com/blogsview/2088652/century-21-s-global-presence-in-china</guid>
      <title>Century 21's Global Presence in China</title>
      <description>&lt;p&gt;&lt;span style="font-family: verdana,arial,helvetica,sans-serif;"&gt;Did you know that Century 21 is an international company with offices and locations all across the world? &lt;strong&gt;Century 21 China&lt;/strong&gt; is the fastest growing international region in the Century 21 System with over 1,500 offices and over 20,000 sales professionals representing home buyers and sellers throughout 32 cities across the country.&amp;nbsp;&lt;br&gt;&lt;br&gt;&lt;/span&gt;&lt;span style="font-family: verdana,arial,helvetica,sans-serif;"&gt;In the pictures below, Rick Davidson, president and CEO of&amp;nbsp;Century 21 Real Estate, LLC celebrates the 10th anniversary of CENTURY 21 China in Beijing. &lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/6.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/5.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/4.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/3.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/2.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/1.jpg" alt=""&gt;&lt;br&gt;&lt;br&gt;&lt;br&gt;To check out the rest of the pictures from the event, click &lt;a href="http://www.flickr.com/photos/c21realestate/sets/72157625600367084/" title="C21 in China" target="_blank"&gt;&lt;span style="font-family: verdana,arial,helvetica,sans-serif;"&gt;here&lt;/span&gt;&lt;/a&gt;&lt;span style="font-family: verdana,arial,helvetica,sans-serif;"&gt;.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Thu, 20 Jan 2011 16:10:52 -0800</pubDate>
      <link>http://activerain.com/blogsview/2088652/century-21-s-global-presence-in-china</link>
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      <guid>http://activerain.com/blogsview/1886121/brad-hatton-earns-prestigious-designation-to-help-homeowners-in-danger-of-foreclosure</guid>
      <title>Brad Hatton Earns Prestigious Designation To Help Homeowners In Danger Of Foreclosure</title>
      <description>&lt;p&gt;&lt;strong&gt;Brad Hatton&lt;/strong&gt; of Century 21 Mission-Bishop in Fremont, CA has earned the prestigious &lt;strong&gt;Certified Distressed Property Expert&amp;reg;&lt;/strong&gt; (CDPE) designation, having completed extensive training in foreclosure avoidance and short sales. This is invaluable expertise to offer at a time when the area is ravaged by "distressed" homes in the foreclosure process.&lt;/p&gt;
&lt;p&gt;Short sales allow the cash-strapped seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy. More and more lenders are willing to consider short sales because they are much less costly than foreclosures.&lt;/p&gt;
&lt;p&gt;In the Fremont area, &lt;strong&gt;more than 800 homes&lt;/strong&gt; are in danger of foreclosing, with more homes defaulting every day. It is happening in all price ranges and in all neighborhoods. Local experts say that even high-priced homes are not immune.&lt;/p&gt;
&lt;p&gt;"This CDPE designation has been invaluable as I work with sellers and lenders on complicated short sales," said Hatton. "It is so rewarding to be able to help sellers save their homes from foreclosure."&lt;/p&gt;
&lt;p&gt;Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors&amp;reg; such as Hatton with the CDPE designation have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience, he said.&lt;/p&gt;
&lt;p&gt;The Distressed Property Institute opened in January 2008 and provides training on-site and online. The CDPE is the premier designation for Realtors helping homeowners in distress and handling short sales.&lt;/p&gt;
&lt;p&gt;"Our goal is to educate as many people as possible so we can help as many homeowners as possible," Charfen said.&lt;/p&gt;
&lt;p&gt;For more information about the CDPE designation and what Brad Hatton can do for you and your family, please contact him directly at 510-494-2120. Brad loves what he does and would appreciate the chance to help your family in any way possible.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Wed, 29 Sep 2010 14:01:01 -0700</pubDate>
      <link>http://activerain.com/blogsview/1886121/brad-hatton-earns-prestigious-designation-to-help-homeowners-in-danger-of-foreclosure</link>
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      <guid>http://activerain.com/blogsview/1790512/how-to-spot-loan-modification-scams</guid>
      <title>How to Spot Loan Modification Scams</title>
      <description>&lt;p&gt;With the rise of homeowners losing their homes to foreclosure, an increase in loan modification scams has also followed. We have a few clients whom are helping with loan modifications, who have told us they have been approached by scammers before coming to us for help. One client even paid a few thousand dollars to a company who did nothing to help her get a permanent loan modification. Driving down the freeway, you can even see signs with toll-free numbers to call for "help" to save your home. Here are some red flags to watch out for.&lt;br&gt;&lt;br&gt;&lt;br&gt;&lt;strong&gt;6 Signs To Watch Out For:&lt;/strong&gt;&lt;br&gt;&lt;br&gt;&lt;strong&gt;1.&lt;/strong&gt; &lt;strong&gt;A company/person asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage.&lt;/strong&gt; They may pocket your money and do little or nothing to help you save your home from foreclosure.&lt;br&gt;&lt;br&gt;&lt;strong&gt;2.&lt;/strong&gt; &lt;strong&gt;A company/person guarantees they can stop a foreclosure or get your loan modified.&lt;/strong&gt; Nobody can make this guarantee to stop foreclosure or modify your loan. Legitimate, trustworthy HUD-approved counseling agencies will only promise they will try their very best to help you.&lt;br&gt;&lt;br&gt;&lt;strong&gt;3.&lt;/strong&gt; &lt;strong&gt;A company/person advises you to stop paying your mortgage company and pay them instead.&lt;/strong&gt; Despite what a scammer will tell you, you should never send a mortgage payment to anyone other than your mortgage lender. The minute you have trouble making your monthly payment, contact your mortgage lender.&lt;br&gt;&lt;br&gt;&lt;strong&gt;4.&lt;/strong&gt; &lt;strong&gt;A company pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read, and you don't fully understand.&lt;/strong&gt; A legitimate housing counselor would never pressure you to sign a document before you had a chance to read and understand it.&lt;br&gt;&lt;br&gt;&lt;strong&gt;5.&lt;/strong&gt; &lt;strong&gt;A company claims to offer "government-approved" or "official government" loan modifications.&lt;/strong&gt; They may be scam artists posing as legitimate organizations approved by, or affiliated with, the government. Contact your mortgage lender first. Your lender can tell you whether you qualify for any government programs to prevent foreclosure. And, remember, you do not have to pay to benefit from government-backed loan modification programs.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;6.&lt;/strong&gt; &lt;strong&gt;A company/person you don't know asks you to release personal financial information online or over the phone. &lt;/strong&gt;You should only give this type of information to companies that you know and trust, like your mortgage lender or a HUD-approved counseling agency.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Mon, 09 Aug 2010 19:46:41 -0700</pubDate>
      <link>http://activerain.com/blogsview/1790512/how-to-spot-loan-modification-scams</link>
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      <guid>http://activerain.com/blogsview/1740352/22nd-annual-garage-sale-this-weekend-july-17-18</guid>
      <title>22nd Annual Garage Sale, This Weekend! July 17 &amp; 18</title>
      <description>&lt;p&gt;&lt;img title="Garage Sale!" src="http://i1006.photobucket.com/albums/af189/bradhatton/AD-1.png" height="625" alt="" width="625"&gt;&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Mon, 12 Jul 2010 14:11:35 -0700</pubDate>
      <link>http://activerain.com/blogsview/1740352/22nd-annual-garage-sale-this-weekend-july-17-18</link>
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      <guid>http://activerain.com/blogsview/1639841/century-21-s-connect-2-the-1-spring-campaign-sweepstakes-</guid>
      <title>Century 21's "Connect 2 the 1" Spring Campaign &amp; Sweepstakes! </title>
      <description>&lt;p style="text-align: left;"&gt;&lt;em&gt;&lt;img src="http://i1006.photobucket.com/albums/af189/bradhatton/LogoBlack.jpg" height="84" alt="" width="150"&gt;Spring has sprung and it's time to win some money! Read the following article to find out more about Century 21's "Connect 2 the 1" spring campaign and sweepstakes!&amp;nbsp;Learn more&amp;nbsp;about how you can enter the sweepstakes to&amp;nbsp;win $8,000.&amp;nbsp;Additionally, any of my clients who enter into the contest will be eligible to win a $100 Visa Gift Card from my office!&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Century 21 Real Estate LLC, the franchisor of the world's largest residential real estate sales organization, has announced the "$8,000 List Your Home Sweepstakes." From April 1 through June 30, 2010, every eligible home seller who lists their home with a CENTURY 21&amp;reg; agent will be automatically entered for a chance to win $8,000.&lt;/p&gt;
&lt;p&gt;The &amp;lsquo;&lt;strong&gt;$8,000 List Your Home Sweepstakes&lt;/strong&gt;' is a part of the company's &amp;lsquo;Connect 2 the 1' national campaign that highlights the value that CENTURY 21 sales associates bring to the home buying and selling process. While the government is offering up to an $8,000 tax credit for eligible homebuyers, the CENTURY 21 promotion takes a different tack in targeting home sellers.&lt;/p&gt;
&lt;p&gt;"While the home buyer tax credit is fueling excitement among potential homebuyers, there is no similar benefit for homeowners to sell their homes," said Bev Thorne, senior vice president of marketing, Century 21 Real Estate LLC. "Our sweepstakes gives sellers an added benefit - the chance to win $8,000 for listing their home with a local CENTURY 21 sales professional."&lt;/p&gt;
&lt;p&gt;Unlike the federal tax credit that requires eligible home buyers to have a written and binding contract on a home before April 30, the CENTURY 21 &amp;lsquo;$8,000 List Your Home Sweepstakes' runs through the end of June 2010.&lt;/p&gt;
&lt;p&gt;"Today's market represents a generational opportunity for home buyers to move into the home of their dreams," Thorne added. "Our goal is to encourage existing homeowners who may not have considered making a move to talk with a local CENTURY 21 agent and explore the possibilities."&lt;/p&gt;
&lt;p&gt;To connect with your local CENTURY 21 Agent or to view sweepstakes rules and details, visit &lt;a href="http://www.century21.com/sellingadvice/firststeps/listmyproperty.jsp" target="_blank"&gt;&lt;strong&gt;www.century21.com/sweepstakes&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 11 May 2010 16:58:56 -0700</pubDate>
      <link>http://activerain.com/blogsview/1639841/century-21-s-connect-2-the-1-spring-campaign-sweepstakes-</link>
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      <guid>http://activerain.com/blogsview/1620484/news-testimonials</guid>
      <title>News &amp; Testimonials</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style="text-decoration: underline;"&gt;GREAT NEWS:&lt;/span&gt;&lt;/strong&gt; I ranked&amp;nbsp;23rd, out of&amp;nbsp;2,720 agents&amp;nbsp;in Century 21's Top Individual Producers within Northern California for the month of March!&lt;/p&gt;
&lt;p&gt;&lt;br&gt;2010 is off to a good start for my team. Katherine, Heather, Jason and I work together to make sure that every transaction is a success. We handle finance, marketing, and escrow coordination&amp;nbsp;while&amp;nbsp;ensuring that our clients are being taken care of and that&amp;nbsp;their experiences are personalized and enjoyable. Teamwork has definitely been a key factor in my success so far this year.&lt;br&gt;&lt;br&gt;&lt;br&gt;&lt;strong&gt;&lt;span style="text-decoration: underline;"&gt;Client Testimonials:&lt;br&gt;&lt;br&gt;&lt;/span&gt;&lt;/strong&gt;"I chose Brad because he has been a Realtor for 22 years. His longevity in the business and perseverance matters in this market.&amp;nbsp;My wife and I especially&amp;nbsp;liked his 'walking tour' of Fremont, it was&amp;nbsp;the reason we decided to come and see what this city had to offer." - Client in Fremont&lt;br&gt;&lt;br&gt;"Agent Hatton went out of his way to understand the Fremont area. We are so glad we moved to the area and that we worked with a native Realtor who really knew the area 100%." - Clients in Fremont&lt;/p&gt;
&lt;p&gt;"Being Deaf, it has always been a challenge to buy or sell a home. Fortunately I found Brad. His fluency in ASL and culture made the experience rewarding and memorable.&amp;nbsp;He has represented me in multiple transactions over the years now and continues to impress me. I refer all my friends to Brad!" - Client in Berkeley&lt;br&gt;&lt;br&gt;"Mr. Hatton was prompt, thorough, and very aggressive on our behalf. He got us the best selling price for our home.&amp;nbsp;Brad made sure that our home was&amp;nbsp;marketed to maximize it's value&amp;nbsp;and we would never work with another agent in the future." - Clients in Oakland&lt;br&gt;&lt;br&gt;"Brad Hatton and his team worked diligently and really fought for our loan modification.&amp;nbsp;Their team&amp;nbsp;called the banks multiple times per week and didn't give up until we were making trial payments with the bank. We don't know what would have happened if we hadn't contacted Brad before our house foreclosed." - Clients in Union City&lt;br&gt;&lt;br&gt;"Working with Brad was a very positive experience, especially for us, as first-time homebuyers. He was always available to us, even on the weekends. We loved working with an agent who actually cares about his clients." - Clients in Fremont&lt;/p&gt;
&lt;p&gt;"I want to thank Brad for preventing our home from going into foreclosure. He negotiated a short sale by keeping the transaction together through all it's ups and downs." Clients in Union City&lt;/p&gt;
&lt;p&gt;"I didn't know probate was going to be so complicated. Brad and his team worked with&amp;nbsp;the probate attorney and organized a successful sale by avoiding costly filings and delays." Clients in Redwood City&lt;/p&gt;
&lt;p&gt;"I was nervous moving to the Bay Area and was not sure where to live. It was reassuring to&amp;nbsp;be represented by&amp;nbsp;Brad,&amp;nbsp;after learning&amp;nbsp;his family had been in the Easy Bay for&amp;nbsp;over 100 years. Time does matter! He knows the East Bay like the back of his hand." Client in San Jose&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 27 Apr 2010 13:45:57 -0700</pubDate>
      <link>http://activerain.com/blogsview/1620484/news-testimonials</link>
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      <guid>http://activerain.com/blogsview/1603290/no-more-state-tax-on-forgiven-debt</guid>
      <title>No More State Tax on Forgiven Debt</title>
      <description>&lt;p&gt;Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.&amp;nbsp; Enacted into law yesterday, Senate Bill 401 generally aligns California's tax treatment of mortgage debt relief income with federal law.&amp;nbsp; For debt forgiven on a loan secured by a "qualified principal residence," borrowers will now be exempt from both federal and state income tax consequences.&amp;nbsp; The existing federal exemption is for indebtedness up to $2 million, whereas the new California exemption is for indebtedness up to $800,000 and forgiven debt up to $500,000.&lt;br&gt;&lt;br&gt;For more information on this, visit &lt;a href="http://www.ftb.ca.gov/aboutFTB/newsroom/Mortgage_Debt_Relief_Law.shtml" target="_blank"&gt;CA's Franchise Tax Board website&lt;/a&gt;.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Fri, 16 Apr 2010 14:24:50 -0700</pubDate>
      <link>http://activerain.com/blogsview/1603290/no-more-state-tax-on-forgiven-debt</link>
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      <guid>http://activerain.com/blogsview/1579914/technology-friday-update-home-shopping-reinvented-</guid>
      <title>Technology Friday Update! - "Home Shopping Reinvented"</title>
      <description>&lt;p&gt;With Apple releasing its newest product, the iPad, tomorrow, April 3, 2010, we can&amp;nbsp;reasonably expect that the real estate industry will jump on the opportunity to provide real-estate apps for the gadget. Just this morning, Zillow.com released its own unique application for the iPad, which&amp;nbsp;will basically be&amp;nbsp;a&amp;nbsp;photo-driven home shopping experience built specifically for the iPad's interactive and&amp;nbsp;multi-touch screen. This app, which will&amp;nbsp;likley be followed by other similar apps, will now make it even easier for home buyers or home sellers to get the information they are looking for. As long as they have purchased the new iPad, they will now be able to access all the information they previously searched for on Zillow.com. The app presents users with homes for sale, homes for rent,&amp;nbsp;Zestimate&amp;reg; home values, property photos, home details, and historical data on over&amp;nbsp;95 million U.S. homes. For all of you Zillow lovers out there, the best part is that this&amp;nbsp;new app is free! It is available in the iTunes Store online.&lt;br&gt;&lt;br&gt;&lt;img src="http://www.zillowstatic.com/static/images/mobile/ipad/zillow-ipad-app.png" id="screenshots" alt=""&gt;&lt;br&gt;&lt;br&gt;If you're interested in this app, you can see an online demo &lt;a href="http://www.zillow.com/ipad/" target="_blank"&gt;here&lt;/a&gt;.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Fri, 02 Apr 2010 14:27:34 -0700</pubDate>
      <link>http://activerain.com/blogsview/1579914/technology-friday-update-home-shopping-reinvented-</link>
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      <guid>http://activerain.com/blogsview/1574541/brand-new-changes-to-the-home-buyer-tax-credit-</guid>
      <title>BRAND NEW Changes to the Home Buyer Tax Credit!</title>
      <description>&lt;p&gt;Great news for the real estate indusry -- the Homebuyer Tax Credit has been signed into California law by the governor. This further extends the tax credit, which began last year. It will continue to be available to both&amp;nbsp;first-time homebuyers and current homeowners who are purchasing a new primary residence. The bill can provide as much as $10,000 each to first-time buyers of existing homes and any new-home purchaser, starting May 1. Schwarzenegger said he is expecting the bill and the extended credit not only to help&amp;nbsp;more Californians&amp;nbsp;become homeowners, but also provide more jobs.&lt;br&gt;&lt;br&gt;Read the full article below for more details!&lt;br&gt;&lt;br&gt;Also, visit our &lt;a href="http://www.signlanguagerealestateagent.com" title="Brad Hatton's Homepage" target="_blank"&gt;website&lt;/a&gt; and contact me to see how this can benefit you!&lt;br&gt;&lt;br&gt;----------------------------------------------------&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;C.A.R. Applauds Gov. Schwarzenegger's Signing Homebuyer Tax Credit Legislation Into Law&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;LOS ANGELES, CA-- (Marketwire - March 25, 2010) - &amp;nbsp;(March 25) - The CALIFORNIA ASSOCIATION OF REALTORS&amp;reg; (C.A.R.) today praised California Governor Arnold Schwarzenegger for his leadership in signing the Homebuyer Tax Credit legislation into law.&lt;/p&gt;
&lt;p&gt;"We are pleased that Governor Schwarzenegger recognized the positive impact the tax credit will have for families hoping to buy their first home," said C.A.R. President Steve Goddard. "Successful passage of this legislation was the result of our efforts in Sacramento over the last several weeks as REALTORS&amp;reg; and our team in the capital worked for the bill's passage before it landed on the governor's desk earlier this week."&lt;/p&gt;
&lt;p&gt;California's previous home buyer tax credit program was so successful that it ran out of tax credits by the end of June 2009, eight months before it was set to expire and just as housing markets appeared to be turning a corner. Unlike last year's legislation, the Homebuyer Tax Credit signed into law today adds a tax credit for the purchase of an existing home by a first-time home buyer.&lt;/p&gt;
&lt;p&gt;"The positive impact of the home buyer tax credit at the federal level is clear," Goddard said. "Nearly 40 percent of first-time home buyers said they would not have purchased a home if the federal tax credit for first-time home buyers was not offered, according to C.A.R. research conducted last year. We expect the state tax credit for home buyers to have the same impact."&lt;/p&gt;
&lt;p&gt;AB 183 will provide $200 million for home buyer tax credits, allocating $100 million for qualified first-time home buyers of existing homes and $100 million for purchasers of new, or previously unoccupied, homes. The eligible taxpayer who purchases a qualified personal residence on and after May 1, 2010, and on or before Dec. 31, 2010, or who purchases a qualified principal residence on and after Dec. 31, 2010, and before Aug. 1, 2011, pursuant to an enforceable contract executed on or before Dec. 31, 2010, will be able to take the allowed tax credit. The credit is equal to the lesser of 5 percent of the purchase price or $10,000&lt;em&gt;, &lt;/em&gt;in equal installments over three consecutive year&lt;em&gt;s&lt;/em&gt;. Under AB 183, purchasers will be required to live in the home for at least two years or forfeit the credit (i.e., repay it to the state).&lt;/p&gt;
&lt;p&gt;"AB 183 also will significantly contribute to efforts to stimulate jobs creation within California's housing market by helping to incentivize first-time home buyers to purchase homes that have been abandoned, foreclosed upon, and returned to the lender; or have been sitting on the market for extended periods of time," Goddard said. "It is these homes that will require substantial rehabilitation by the new owners, which will in turn generate a tremendous increase in jobs and accessory purchases connected to home improvement activities."&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 30 Mar 2010 17:32:19 -0700</pubDate>
      <link>http://activerain.com/blogsview/1574541/brand-new-changes-to-the-home-buyer-tax-credit-</link>
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      <guid>http://activerain.com/blogsview/1523989/loan-services-by-brad-hatton-century-21</guid>
      <title>Loan Services by Brad Hatton @ Century 21</title>
      <description>&lt;p&gt;&lt;strong&gt;Get a Loan!&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/AMG2003LOGO.jpg" alt=""&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Introduction&lt;/strong&gt; &lt;br&gt;NEW for 2010 The Brad Hatton Team is proud to announce we will be providing loan consulting services to all of our existing and new clients.&amp;nbsp; To start 2010 on the right foot we have recently brought on an experienced professional from the lending world to process loans for our clients exclusively. &lt;br&gt;Purchasing a home is more challenging than ever now with constantly changing guidelines and requirements.&amp;nbsp; By providing lending services directly to our clients we can offer the services that take advantage of recent changes to lending requirements.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Services Do We Offer?&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&amp;nbsp; &lt;br&gt;&lt;/strong&gt;
&lt;/p&gt;&lt;blockquote&gt;
&lt;p&gt;&lt;strong&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/pencil.paper.jpg" alt=""&gt;Prequalification&lt;/strong&gt; &lt;br&gt;The first step in the loan process for any client is prequalification.&amp;nbsp; During this initial stage, we will work with the buyer to collect financial data, complete the required forms and submit paperwork for pre-approval.&amp;nbsp; Prequalification is not only a necessary step to purchasing a home, it is a clear indicator of buyer motivation.&amp;nbsp;&amp;nbsp; &lt;br&gt;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;/blockquote&gt;
&lt;p&gt;&lt;strong&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/home.clip.art.jpg" height="128" alt="" width="143"&gt;Purchase Loans&lt;/strong&gt; &lt;br&gt;The most important decision many families will make is the purchase of their first home.&amp;nbsp; With home prices and interest rates at historical lows the market is attracting buyers from around the globe.&amp;nbsp;&amp;nbsp;We help clients choose between a variety of available loan programs to find one that fits their needs and plans for the future.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/kcalc.jpg" height="112" alt="" width="93"&gt;&lt;/p&gt;
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&lt;p&gt;&lt;strong&gt;Refinance &lt;/strong&gt;&lt;br&gt;Our office provides refinance services to eligible clients.&amp;nbsp; There are specific risks and benefits to refinancing your home loan. Call our office so we can discuss your situation in detail.&lt;/p&gt;
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&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/MoneyIcon.small.jpg" height="114" alt="" width="123"&gt;Rates&lt;/strong&gt; &lt;br&gt;Interest rates fluctuate on a daily basis.&amp;nbsp; Many borrowers get caught up in following daily rate fluctuations; so much so they lose sight of the big picture. Look at the chart below to see how rates have changed over the years.&amp;nbsp; Interest rates have declined steadily since 1980 and continue to stay in the low 5's. Though a higher interest rate can mean higher mortgage payments; many buyers overlook the opportunity cost of buying the home with a lower rate at a higher price.&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
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&lt;p&gt;&lt;strong&gt;All lenders &lt;/strong&gt;have access to similar loan programs and rates. The key is to work with a professional that you know and trust and who can guide you through your purchase and answer questions along the way.&amp;nbsp;&lt;/p&gt;
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&lt;/blockquote&gt;
&lt;p&gt;&amp;nbsp; &lt;img src="http://signlanguagerealestateagent.com/files/372634/30.yr.jpg" alt=""&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;How Do I Get Started? &lt;/strong&gt;&lt;br&gt;Simply click on the "Contact Me" page on the lower left section on this website, fill in your information and click "send request" at the bottom of the page. We will respond to your request within 24 business hours. &lt;br&gt;&lt;br&gt;&lt;strong&gt;Questions? &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp; &lt;img src="http://signlanguagerealestateagent.com/files/372634/guy.callout.jpg" alt=""&gt;(510) 494-2120&lt;/p&gt;
&lt;p&gt;&amp;nbsp; &lt;br&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/email.icon.jpg" alt=""&gt;&amp;nbsp; &lt;a href="mailto:bhatton@signlanguagerealestateagent.com"&gt;bhatton@signlanguagerealestateagent.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Follow Us&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/facebooksmall.jpg" alt=""&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/linkedin-iconsmall.jpg" alt=""&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/Twitter_logosmall.jpg" alt=""&gt;&lt;img src="http://signlanguagerealestateagent.com/files/372634/rss.iconsmall.jpg" alt=""&gt;&amp;nbsp;&lt;/p&gt;
 &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 02 Mar 2010 18:44:07 -0800</pubDate>
      <link>http://activerain.com/blogsview/1523989/loan-services-by-brad-hatton-century-21</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1523975/bulk-reos-century-21-and-brad-hatton-selling-wholesale-reos</guid>
      <title>BULK REOS - Century 21 and Brad Hatton Selling Wholesale REOs</title>
      <description>&lt;p&gt;&lt;strong&gt;Introduction - What are Bulk REOs?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Bulk, or wholesale real estate owned ("REO") properties are homes that the bank has taken possession of as a result of the nonperformance of the borrower.&amp;nbsp; Across the United States thousands of homeowners are defaulting on their mortgages for a variety of reasons.&amp;nbsp; The banks, left with huge inventories with no way of effectively divesting these properties, turned to their asset managers to sell these homes in large packages. Most lenders have fewer than five asset managers, thusly making developing relationships with these asset managers very difficult. We work directly with a local company that has fostered relationships with dozens of asset managers representing some of the largest US banks, the FDIC and government sponsored enterprises including Federal Home Loan Mortgage Corporation (FHLMC) or Freddie Mac and Federal National Mortgage Association (FNMA) or Fannie Mae.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;&lt;strong&gt;How do I make money with Bulk REOs?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;These large packages of bank owned properties are sold in groups ranging from $500,000 to upwards of $10 million dollars.&amp;nbsp; Our investors purchase these groups of properties wholesale and entrust Century 21 to resell the homes quickly on the retail market for a profit.&amp;nbsp;&amp;nbsp; These properties are typically purchased in bulk for approximately 70% below their fair market value. &amp;nbsp;After the properties are purchased, the owner can resell, rent or auction the homes.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;strong&gt;Considerations to make when Purchasing Bulk Reo Packages&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Who will sell, rent, or land contract the property after I have purchased them?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Our national brokerage&amp;nbsp;can do just that.&amp;nbsp; Century 21 is the LARGEST international brokerage in the world.&amp;nbsp; With over 40 years in the industry, Century 21 International leads the way in developing progressive investment strategies through the development of new investment opportunities.&lt;em&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;&amp;nbsp;&lt;/em&gt;&lt;em&gt;How do I deal with tax and legal issues when working with properties in different states?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;When working with properties located across the country it helps to have a central point of contact to answer all real estate questions. &amp;nbsp;Century 21 has offices in every state and in all major US regions.&amp;nbsp; We have access to national and regional offices whose staff of legal and tax professionals are available to call upon when needed.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;What if the package I am bidding on does not meet my specifications?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Packages of homes become available at all times. If the package you are looking at does not fit your needs you can forgo the package and bid on the next.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;What is the timeline for making a decision?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Once the funds are verified and the documents are in place, you have 48 hours to perform any due diligence. The due diligence will be performed by a combination of the investor, our office and third party vendors.&amp;nbsp; The process varies by investor, but normally involves reviewing the title records, available images of the property and evaluating both local and regional economic indicators and trends.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;What do I need to do to get started?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Please contact our office using the information below. We require a minimum investment of $500,000, in liquid funds that are verifiable. We also conduct interviews with all our investors to ensure that our investment opportunities meet their needs.&lt;/p&gt;
&lt;p&gt;&lt;em&gt;&amp;nbsp;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Where can I go to learn more about Bulk REOs?&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;We are available 24/7 via e-mail at &lt;a href="mailto:bhatton@signlanguagerealestateagent.com"&gt;bhatton@signlanguagerealestateagent.com&lt;/a&gt; and via telephone at (510) 494-2120. Other forms of communication i.e. Skype are also available for international investors.&lt;/p&gt; &lt;div class="agent_signature"&gt;&lt;p&gt;&lt;strong&gt;&lt;em&gt;&lt;span style="font-size: small;"&gt;&lt;span style="font-family: georgia,palatino; font-size: medium;"&gt;Brad Hatton&lt;/span&gt;&lt;br&gt;&lt;/span&gt;&lt;/em&gt;Realtor&amp;reg; &amp;amp; CDPE&amp;reg;&lt;br&gt;Fremont, CA &amp;middot; 510-494-2120&lt;/strong&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Brad Hatton (Century 21 Mission-Bishop Real Estate)</dc:creator>
      <pubDate>Tue, 02 Mar 2010 18:31:08 -0800</pubDate>
      <link>http://activerain.com/blogsview/1523975/bulk-reos-century-21-and-brad-hatton-selling-wholesale-reos</link>
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