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    <title>Roger 's Blog</title>
    <link>http://activerain.com/blogs/rogerhunt123</link>
    <description>This is a blog with helpful information regarding the real estate mortgage industry as it relates to home financing, underwriting guidelines, credit, appraising, and loan programs like FHA and Jumbo financing.</description>
    <language>en-us</language>
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      <guid>http://activerain.com/blogsview/1366783/easy-candle-wax-removal</guid>
      <title>Easy Candle Wax Removal</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;/p&gt;
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&lt;p&gt;Wax drippings can be removed almost as easily as they accumulate. Depending on the surface type and the location of the wax dripping, different methods can prove successful for the removal of candle wax. Several easy to follow sets of instructions are offered here. Simply select the appropriate one for your needs.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Tablecloths, Cloth Napkins, and Placemats&lt;/strong&gt;&lt;/p&gt;
&lt;img src=&quot;http://e-agents.com/Uploads/67/97/6797/Gallery/waxdrippingcake.jpg&quot; alt=&quot;&quot; width=&quot;200&quot; /&gt;
&lt;p&gt;Once wax has dried onto a tablecloth, cloth napkin, or placemat, several steps are required to remove it properly and completely. The first thing to do is to apply an ice cube or ice pack to the wax. This will make the wax brittle, allowing you to scrape off what you can. Use a credit card or a thin butter knife to gently scrape away as much of the wax as you can. Never use a regular dull knife that has serrated edges since this may damage the cloth.&lt;/p&gt;
&lt;p&gt;Once you have carefully removed as much of the wax as you can, it will be necessary to get your iron and a few clean paper bags. Place one paper bag underneath the cloth while you set the iron to heat on a medium to medium high level, depending on the fabric. Place a second paper bag on top of the wax.&lt;/p&gt;
&lt;p&gt;Gently iron the area until the wax has been transferred to the paper bag. Throw the paper bag with the wax residue into the trash once it has cooled. Repeat the process with another paper bag until all of the wax has been removed.&lt;/p&gt;
&lt;p&gt;Unfortunately, if the wax came from colored candles, a stain may appear on your tablecloth, napkin, or placemat. If this is the case, pre-treat the stain and follow the laundering instructions for the tablecloth, napkin, or placemat. For the best results, launder the soiled fabric as soon as possible.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Wooden Furniture&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;To remove the wax drippings from wooden furniture, apply an ice cube or ice pack to the wax to harden it. Gently scrape off as much wax as you can with a plastic credit card or other nonabrasive item such as a thin, dull butter knife or a smooth, plastic ruler.&lt;/p&gt;
&lt;p&gt;Some of the wax residue may remain on the wooden furniture, especially if you have been extremely careful not to scratch the surface of your furniture. Simply use a soft, clean cloth and apply a bit of cream furniture wax to the area. Rub gently and remove the remainder of the wax residue.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Carpets and Upholstery&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;To remove wax from carpet or upholstery freeze the wax with an ice cube or ice pack. You can also use a commercial product that is designed to freeze wax on carpeting or upholstery. Once the wax is frozen, use a clean, blunt object to shatter the wax. Immediately pick up or vacuum the pieces of wax from the area. If you wait too long and the pieces soften, then you will need to refreeze them.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Glass Votive Holders&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The best thing to do with glass votive holders is to prevent the wax buildup in the first place. If you place a tiny bit of water in the bottom of the glass votive prior to placing the candle inside, it should prevent the wax from sticking to the votive.&lt;/p&gt;
&lt;p&gt;However, once you have wax stuck to the votive, you should clear a small area in the freezer and gently secure the votive inside to freeze the wax. Allow the votive to sit inside the freezer for several hours to ensure that the wax freezes. After several hours have passed, attempt to pry the wax loose carefully with a dull knife, preferably a butter knife.&lt;/p&gt;
&lt;p&gt;The wax should easily become dislodged. Any remaining wax residue can be removed by washing the glass votive in a solution of hot, soapy water.&lt;/p&gt;
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&lt;p&gt;&lt;a href=&quot;http://www.e-agents.com/&quot; target=&quot;_blank&quot;&gt;&lt;/a&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 03 Dec 2009 13:31:41 -0600</pubDate>
      <link>http://activerain.com/blogsview/1366783/easy-candle-wax-removal</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1366668/social-media-revolution</guid>
      <title>Social Media Revolution</title>
      <description>&lt;p&gt;In the seminar yesterday with Active Rain, they shared an incredible you tube video on the Social Media Revolution I wanted to share......it is amazing how fast Social Media is moving.......I do not want to be left behind, and see all the possibilities for me and my business in the social Media Networking.....Take a look and let me know what you think?&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.youtube.com/watch?v=sIFYPQjYhv8&amp;amp;feature=youtube_gdata&quot;&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;http://www.youtube.com/watch?v=sIFYPQjYhv8&amp;amp;feature=youtube_gdata&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 03 Dec 2009 12:39:05 -0600</pubDate>
      <link>http://activerain.com/blogsview/1366668/social-media-revolution</link>
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    <item>
      <guid>http://activerain.com/blogsview/1351998/it-s-official-the-high-balance-conforming-loan-has-been-extended-thru-2010-and-the-loan-limits-will-remain-the-same-</guid>
      <title>It's Official! The High Balance Conforming Loan has been extended thru 2010, and the loan limits will remain the same!</title>
      <description>&lt;p&gt;Just recieved confirmation&amp;nbsp;that the &lt;span style=&quot;text-decoration: underline;&quot;&gt;High Balance Conforming Loan&lt;/span&gt; Program with FNMA has been &lt;span style=&quot;text-decoration: underline;&quot;&gt;extended&amp;nbsp;thru 2010&lt;/span&gt; (was supposed to expire 12/31/2009). The &lt;span style=&quot;text-decoration: underline;&quot;&gt;loan limits have been extended also&lt;/span&gt;....so if you are in San Francisco, San Mateo, Santa Clara, Contra Costa Counties, we can still do loan amounts up to &lt;span style=&quot;text-decoration: underline;&quot;&gt;$729,750&lt;/span&gt;!&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;This is excellent news! &lt;/span&gt;&lt;/p&gt;
&lt;p&gt;The &lt;span style=&quot;text-decoration: underline;&quot;&gt;rates on the High Balance Conforming loans&lt;/span&gt; (&amp;gt;$417,000 &amp;amp; &amp;lt;=$72,750)&amp;nbsp;&lt;span style=&quot;text-decoration: underline;&quot;&gt;have tended to be about .625-.875% lower in rate than the Jumbo loans&lt;/span&gt;, and that has saved borrowers thousands of dollars in mortgage payments.&lt;/p&gt;
&lt;p&gt;This is another indication of the Federal Governments commitment to stimulating the economy in regards to real estate purchase and refinances as a way of furthering the recovery we are begining to see.&lt;/p&gt;
&lt;p&gt;If you or any of your clients are looking for a lender who can help in California or any state in the U.S.A. I would be honored to work with your clients.&lt;/p&gt;
&lt;p&gt;You can reach me at my cell number 650.796.0326 or my website &lt;a href=&quot;http://www.homeloans.com/wfhm/roger-hunt&quot;&gt;www.homeloans.com/wfhm/roger-hunt&lt;/a&gt;&amp;nbsp; where you can apply on line. Thank you Roger&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 23 Nov 2009 14:22:10 -0600</pubDate>
      <link>http://activerain.com/blogsview/1351998/it-s-official-the-high-balance-conforming-loan-has-been-extended-thru-2010-and-the-loan-limits-will-remain-the-same-</link>
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    <item>
      <guid>http://activerain.com/blogsview/1351832/roger-s-quotable-quotes</guid>
      <title>Roger's Quotable Quotes</title>
      <description>&lt;p&gt;&quot;The human contribution is the essential ingredient. It is only in the giving of oneself to tohers that we truly live&quot;&lt;/p&gt;
&lt;p&gt;Ethel Percy Andrus&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 23 Nov 2009 13:08:49 -0600</pubDate>
      <link>http://activerain.com/blogsview/1351832/roger-s-quotable-quotes</link>
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    <item>
      <guid>http://activerain.com/blogsview/1346256/the-lost-art-of-courtesy-and-kindness</guid>
      <title>The Lost Art of Courtesy and Kindness</title>
      <description>&lt;p&gt;I don't know if it is a generational thing or not, but it seems to me that people are getting more rude and displaying a lack of courtesy and a lack of kindness more and more each day. When I was raised (born in 1954), I was taught&amp;nbsp;to address my elders by surnames (e.g. Mr. Smith and Mrs. Smith), to open doors for women and elderly (and people with strollers or hands full of shopping). I was taught to show up to an interview (whether it was for a job as dishwasher or executive), dressed in suit and tie, with my shoes polished. Maybe it is my imagination (I want to believe that), but it seems like people just don't care about anyone but themselves.&lt;/p&gt;
&lt;p&gt;I was&amp;nbsp;driving&amp;nbsp;on the freeway the other day and no one&amp;nbsp;would let me change lanes to get around a slow truck,&amp;nbsp;even though I waited with blinker on for some time. I remember another time I was&amp;nbsp;waiting for a parking place and someone rushed&amp;nbsp;right in and took it from me with no apology or remorse (like that scene from Fried Green Tomatoes with Kathy Bates). Sometimes&amp;nbsp;the salesperson will be rude (like I am interupting them for help) with no &quot;thank-you for shopping with us&quot;, or apology that they didnt have what you needed. Has America lost the human touch of kindness and courtesy?&lt;/p&gt;
&lt;p&gt;I personally believe, that most people are kind and courteous. I believe there are a few that show up so&amp;nbsp;loud and rude it takes our breath away......we remember these and forget about the&amp;nbsp;others.&lt;/p&gt;
&lt;p&gt;We forget about the person who&amp;nbsp;let you go first at a stop sign, or the person that let you on to the freeway.&amp;nbsp; Every so often, there is a person&amp;nbsp;that just blows a hole in the view that its all going out the window.&lt;/p&gt;
&lt;p&gt;I remember another day when I was crossing a bridge&amp;nbsp;and when I went to pay the toll the toll person said the&amp;nbsp;guy ahead of me paid for it....I couldnt believe it....they were total strangers, I couldnt thank them......so I &quot;played it forward&quot;.....and&amp;nbsp;said, please do this for the car behind me, and here is&amp;nbsp;money for the one after that!&lt;/p&gt;
&lt;p&gt;Moral of the story for me? I think the&amp;nbsp;world needs more kindness and courtesy.....so......let it start with me........what can I do today that will show kindness and courtesy for someone else? Maybe let the person in line for the grocery store go ahead of me (even if they have a whole grocery cart of items), maybe open the door for someone at the store, or hold the door for someone......drop some money in the hand of a person asking for help on the sidewalk, or call a local charity to see if there is something special they need today and pick it up and drop it by.........&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 19 Nov 2009 15:47:23 -0600</pubDate>
      <link>http://activerain.com/blogsview/1346256/the-lost-art-of-courtesy-and-kindness</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1333078/make-a-standout-bid-on-a-home-you-want-</guid>
      <title>Make a Standout Bid on a Home you want!</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Make a standout bid on a home you want!&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Be a more confident Homebuyer&lt;/span&gt;&lt;/strong&gt; with our &lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&quot;ON-TIME CLOSING GUARANTEE&quot;.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Reassurance carries a lot of weight with home sellers and their listing agents. Like you, they want to feel comfortable about your mortgage lender's strength and capabilities.&lt;/p&gt;
&lt;p&gt;That's why our &lt;strong&gt;&quot;ON-TIME CLOSING GUARANTEE&quot;&lt;/strong&gt;, combined with our preapproved financing, &lt;span style=&quot;text-decoration: underline;&quot;&gt;can help elevate your offer above the others. It helps everyone feel more confident in our intention to see the sale through.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;The Fewer Uncertainties The Better&lt;/span&gt;&lt;/strong&gt;- Rely on our lending stability to help you find the right financing solution for your needs. And we'll put our closing guarantee in writing to reflect our commitment to service excellence-and to you!.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Contact me today for a free consultation!&lt;/strong&gt; &lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Roger Hunt 650.796.0326&lt;/span&gt;&lt;/strong&gt; or visit me on &lt;a href=&quot;http://www.rogerhunt.com&quot;&gt;&lt;strong&gt;&lt;em&gt;www.rogerhunt.com&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Our Guarantee-&lt;/span&gt;&lt;/strong&gt;&amp;nbsp; If we don't meet your initial closing date, as indicated in the original purchase contract, we'll refund your first month's mortgage payment (Principal &amp;amp; Interest)*.&lt;/p&gt;
&lt;p&gt;&lt;em&gt;*Available on all qualified purchase transactions. Other terms and conditions apply. See a Home Mortgage Consultant for details. This information is accurate as of the date of printing and is subject to change without notice.&lt;/em&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Wed, 11 Nov 2009 19:11:29 -0600</pubDate>
      <link>http://activerain.com/blogsview/1333078/make-a-standout-bid-on-a-home-you-want-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1328985/housing-market-forecast-2010</guid>
      <title>Housing Market Forecast 2010</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Looking Ahead - California Association of Realtors Releases 2010 Housing Market Forecast&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;RISMEDIA, November 9, 2009-&quot;California's housing market continued its strong sales rebound this year, resulting from the continued pace of distressed properties coming to market,&quot; said California Association of Realtors (C.A.R.) President James Liptak. &quot;This follows two years of double-digit sales declines in 2006 and 2007. Looking ahead, we expect sales to moderate to a more sustainable pace.&quot; &lt;br /&gt;&lt;br /&gt;&quot;After experiencing its sharpest decline in history, we expect the median price to rise modestly next year,&quot; Liptak added. &quot;2010 will mark the beginning of the &amp;lsquo;new normal' for California's housing market. This &amp;lsquo;new normal' likely will feature a steady stream of sales driven by distressed properties in the low end of the market, coupled with moderate home-price appreciation.&quot; &lt;br /&gt;&lt;br /&gt;The median home price in California will rise 3.3% to $280,000 in 2010 compared with a projected median of $271,000 this year, according to the forecast. Sales for 2010 are projected to decrease 2.3% to 527,500 units, compared with 540,000 units (projected) in 2009. &lt;br /&gt;&lt;br /&gt;&quot;Housing in California has become a tale of two markets,&quot; Liptak said. &quot;The low end continues to attract first-time buyers and investors, with a resulting shortage in the number of homes for sale. Sellers at the high end, however, continue to be challenged by the ability of home buyers to secure financing as well as their concerns about where prices are headed. While demand from first-time buyers for low-end properties will continue throughout next year, sales could be impacted if discretionary sellers do not return to the market by the second half of 2010. &lt;br /&gt;&lt;br /&gt;&quot;2009 marked a unique opportunity for first-time home buyers,&quot; Liptak said. &quot;Homes were more affordable than they have been in years, interest rates hovered near historic lows, and the federal tax credit helped more than 1 million people become homeowners nationwide. Now is the time for Congress to extend the federal tax credit and to expand it to all buyers, not just first-timers.&quot; &lt;br /&gt;&lt;br /&gt;&quot;With distressed properties accounting for nearly one-third of the sales in 2010, inventory will be relatively lean, under six months during the off-season months, and a roughly four-month supply during the peak season,&quot; said C.A.R. and Vice President Leslie Appleton-Young. &quot;We expect the median price to decrease slightly through the remainder of 2009 and into next year, then rise before leveling off next summer. For the year as a whole, home prices are forecast to reach $280,000.&quot; &lt;br /&gt;&lt;br /&gt;&quot;Although it appears at this time that lenders are closely monitoring the flow of distressed properties onto the market, there could be an exertion of downward pressure on home prices should a heavier than expected wave of foreclosures come to market next year,&quot; she said. &lt;br /&gt;&lt;br /&gt;&quot;The wild cards for 2010 include foreclosures, loan resets, the labor market, and the California budget crisis, as well as the actions of the federal government,&quot; Appleton-Young said. &lt;br /&gt;&lt;br /&gt;For more information, visit &lt;a href=&quot;http://www.car.org/&quot;&gt;www.car.org&lt;/a&gt;.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 09 Nov 2009 17:34:17 -0600</pubDate>
      <link>http://activerain.com/blogsview/1328985/housing-market-forecast-2010</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1328978/1-4-million-families-have-taken-advantage-of-first-time-home-buyer-tax-credit-more-claims-expected</guid>
      <title>1.4 Million Families Have Taken Advantage of First-Time Home Buyer Tax Credit, More Claims Expected</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;1.4 Million Families Have Taken Advantage of First-Time Home Buyer Tax Credit, More Claims Expected&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;RISMEDIA, November 9, 2009-With the First-Time Home Buyer Tax Credit deadline now extended, the Internal Revenue Service recently reminded potential home buyers they must complete their first-time home purchases before April 30, 2010 to qualify for the special first-time home buyer credit.&lt;br /&gt;&lt;br /&gt;The American Recovery and Reinvestment Act extended the tax credit, which has provided a tax benefit to more than 1.4 million taxpayers so far. &lt;br /&gt;&lt;br /&gt;The credit of up to $8,000 is generally available to home buyers with qualifying income levels who have never owned a home or have not owned one in the past three years. &lt;br /&gt;&lt;br /&gt;The IRS encouraged all eligible homebuyers to take advantage of the first-time home buyer credit but at the same time cautioned taxpayers to avoid schemes that help ineligible people file false claims for the credit. Currently, the agency is investigating a number of cases of potential fraud and is using computer screening tools to identify questionable claims for the credit. &lt;br /&gt;&lt;br /&gt;Because the credit is only in effect for a limited time, those considering buying a home must act soon to qualify for the credit. Under the Recovery Act, an eligible home purchase must be completed before April 30, 2010 provided closing occurs prior to July 1, 2010.&lt;br /&gt;&lt;br /&gt;The credit cannot be claimed until after the purchase is completed. For purchases made this year before Dec. 1, taxpayers have the option of claiming the credit on their 2008 returns or waiting until next year and claiming it on their 2009 returns. &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;For those considering a home purchase this fall, here are some other details about the first-time home buyer credit: &lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;-The credit is 10% of the purchase price of the home, with a maximum available credit of $8,000 for either a single taxpayer or a married couple filing jointly. The limit is $4,000 for a married person filing a separate return. In most cases, the full credit will be available for homes costing $80,000 or more.&lt;br /&gt;&lt;br /&gt;-The credit reduces the taxpayer's tax bill or increases his or her refund, dollar for dollar. Unlike most tax credits, the first-time home buyer credit is fully refundable. This means that the credit will be paid to eligible taxpayers, even if they owe no tax or the credit is more than the tax owed.&lt;br /&gt;&lt;br /&gt;-Only the purchase of a main home located in the United States qualifies. Vacation homes and rental properties are not eligible.&lt;br /&gt;&lt;br /&gt;-A home constructed by the taxpayer only qualifies for the credit if the taxpayer occupies it before Dec. 1, 2009.&lt;br /&gt;&lt;br /&gt;-The credit is reduced or eliminated for higher-income taxpayers. The credit is phased out based on the taxpayer's modified adjusted gross income (MAGI). MAGI is adjusted gross income plus various amounts excluded from income-for example, certain foreign income. For a married couple filing a joint return, the phase-out range is $150,000 to $170,000. For other taxpayers, the range is $75,000 to $95,000. This means the full credit is available for married couples filing a joint return whose MAGI is $150,000 or less and for other taxpayers whose MAGI is $75,000 or less.&lt;br /&gt;&lt;br /&gt;-The credit must be repaid if, within three years of purchase, the home ceases to be the taxpayer's main home. For example, a taxpayer who claims the credit based on a qualifying purchase on Sept. 1, 2009, must repay the full credit if he or she sells the home or converts it to business or rental use at any time before Sept. 1, 2012. &lt;br /&gt;&lt;br /&gt;For more information, visit &lt;a href=&quot;http://www.irs.gov/&quot;&gt;www.irs.gov&lt;/a&gt;.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 09 Nov 2009 17:30:51 -0600</pubDate>
      <link>http://activerain.com/blogsview/1328978/1-4-million-families-have-taken-advantage-of-first-time-home-buyer-tax-credit-more-claims-expected</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1328970/ask-the-experts-more-than-an-agent-today-s-real-estate-advisor</guid>
      <title>Ask the Experts: More Than an Agent - Today's Real Estate Advisor</title>
      <description>&lt;p&gt;Ask the Experts: More Than an Agent - Today's Real Estate Advisor&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;RISMEDIA, November 9, 2009-As a new and different economic environment continues to evolve around us, a unique opportunity exists for real estate agents to take a position of authority and provide guidance which will earn them respect, a strong reputation and long-term career success. Here, Glenn Melton, CEO of Realty Executives Int'l., Inc. discusses what you must be doing to position yourself now and for the future. &lt;br /&gt;&lt;br /&gt;Trying to wrap your arms around the myriad of market conditions, government policies and economic trends is a tall order, but well worth the investment. A unique opportunity exists right now for real estate agents to take a position of authority and provide guidance to customers that will earn them respect, a strong reputation and long-term career success. So the question is: What are you doing to position yourself now and for the future? &lt;br /&gt;&lt;br /&gt;Stay current, yet know your history. Consumer confidence hinges largely on information dispersed in the news. However, the media, by-and-large, communicates the story of the moment, focusing on micro trends. The biggest increase in sales in the past nine years, the Case-Shiller index increasing after nearly three years of steady decline, home prices finally going up in major cities like Boston, San Francisco and D.C.-what does this mean for the client? It appears that the market is trending toward stabilization, but making informed decisions on future investments requires an understanding of the events that led to the collapse of the housing and credit markets, as well as capitalizing on the resulting dislocations and opportunities for government-subsidized aid. &lt;br /&gt;&lt;br /&gt;Know government programs and policies. Today, the government has taken the role of lender of last resort to stem an economic collapse. The Housing and Economic Recovery Act of 2008 has generated a significant increase in first-time home buyers due to its tax credit provision. The success of the newly enacted stimulus package and its focus on job retention is the key to curtailing rising foreclosure rates and stabilizing prices. The Administration has also supported bank stabilization with TARP by injecting capital into banks to free up lending. The Federal Reserve has so far been successful in keeping mortgage rates low so buyers can better absorb the inventory, as well as helping to mitigate the consequences of adjustable rate mortgages for those unable to refinance. All of this and more is going on during the challenging and painful events described in the headlines. &lt;br /&gt;&lt;br /&gt;Familiarity with current laws, regulations and available programs is vital to effectively make prudent recommendations. With more understanding, a real estate advisor is better equipped to educate their client and offer superior guidance. &lt;br /&gt;&lt;br /&gt;Know your customer. The economy is improving and the pace of decline in the residential real estate market has slowed. We are seeing the average days on the market coming down and the inventory absorption increasing, which are signs that cautious buyers are tiptoeing back into the market from the sidelines. So is now the time to buy and sell? The answer is, of course, it depends. This is a great time for consumers to leverage the pricing and opportunities available in this market, particularly for first-time home buyers, move-up buyers, investors, and second and vacation home buyers. However, understanding the economic realities allows agents to identify who should buy and who should not, who should modify their loan, rent, short sale, sit or hold and so on. &lt;br /&gt;&lt;br /&gt;In this dynamic and uncertain environment, it is vital for buyers and sellers to receive insightful counsel to achieve their goals and objectives based on their individual circumstances. This cycle presents a unique window for agents and brokers to be that resource to clients and to define their leadership in what will be the new and different economic environment we are seeing evolve around us.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 09 Nov 2009 17:26:46 -0600</pubDate>
      <link>http://activerain.com/blogsview/1328970/ask-the-experts-more-than-an-agent-today-s-real-estate-advisor</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1328964/big-rebound-in-existing-home-sales-shows-first-time-buyer-momentum</guid>
      <title>Big Rebound in Existing-Home Sales Shows First-Time Buyer Momentum</title>
      <description>&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;Big Rebound in Existing-Home Sales Shows First-Time Buyer Momentum&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;RISMEDIA, November 9, 2009-Existing-home sales bounced back strongly in September with first-time buyers driving much of the activity, marking five gains in the past six months, according to the National Association of Realtors&amp;reg;. Existing-home sales-including single-family, townhomes, condominiums and co-ops-jumped 9.4% to a seasonally adjusted annual rate of 5.57 million units in September from a level of 5.10 million in August, and are 9.2% higher than the 5.10 million-unit pace in September 2008. Sales activity is at the highest level in over two years, since it hit 5.73 million in July 2007. &lt;br /&gt;&lt;br /&gt;Lawrence Yun, NAR chief economist, said favorable conditions matched with a tax credit are boosting home sales. &quot;Much of the momentum is from people responding to the first-time buyer tax credit, which is freeing many sellers to make a trade and buy another home,&quot; he said. &quot;We are hopeful the tax credit will be extended and possibly expanded to more buyers, at least through the middle of next year, because the rising sales momentum needs to continue for a few additional quarters until we reach a point of a self-sustaining recovery.&quot; &lt;br /&gt;&lt;br /&gt;Even with the improvement, Yun said the market is underperforming. &quot;Despite spectacular gains in the stock market, principally from the financial sector recovery, most of the 75 million home owning families have more wealth tied to their homes. Home values could soon turn consistently positive and help the broad base of middle-class families, but we are not there yet,&quot; he said. &quot;We're getting early indications of price stabilization, but we need a steady supply of qualified buyers to meaningfully bring inventories down and return us to a period of normal, steady price growth and to fully remove consumer fears, which would then revive the broader economy. Without a firm foundation for middle-class wealth recovery, the post-recession economic growth likely will be one of the weakest in U.S. history.&quot; &lt;br /&gt;&lt;br /&gt;Early information from a large annual consumer study to be released November 13, the 2009 National Association of Realtors&amp;reg; Profile of Home Buyers and Sellers, shows that first-time home buyers accounted for more than 45% of home sales during the past year. A separate practitioner survey shows that distressed homes accounted for 29% of transactions in September. &lt;br /&gt;&lt;br /&gt;&quot;The current housing supply is the lowest we've seen in two and a half years,&quot; Yun said. &quot;If we could continue to absorb inventory at this pace, home prices would return to normal, modest appreciation patterns next year. &lt;br /&gt;&lt;br /&gt;According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage fell to 5.06% in September from 5.19% in August; the rate was 6.04% in September 2008. The national median existing-home price for all housing types was $174,900 in September, which is 8.5% lower than September 2008. Distressed properties continue to downwardly distort the median price because they generally sell at a discount relative to traditional homes in the same area. &lt;br /&gt;&lt;br /&gt;Single-family home sales rose 9.4% to a seasonally adjusted annual rate of 4.89 million in September from a pace of 4.47 million in August, and are 7.7% above the 4.54 million-unit level in September 2008. The median existing single-family home price was $174,900 in September, which is 8.1% below a year ago. Existing condominium and co-op sales jumped 9.7% to a seasonally adjusted annual rate of 680,000 units in September from 620,000 in August, and are 9.7% above the 561,000-unit pace a year ago. The median existing condo price was $175,100 in September, down 11.7% from September 2008.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 09 Nov 2009 17:22:06 -0600</pubDate>
      <link>http://activerain.com/blogsview/1328964/big-rebound-in-existing-home-sales-shows-first-time-buyer-momentum</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1328623/minimize-risk-of-becoming-victim-of-id-theft-</guid>
      <title>Minimize Risk of Becoming Victim of ID Theft!</title>
      <description>&lt;p&gt;To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take. For starters, just remember the word &quot;SCAM&quot;: Be Stingy about giving out your personal information to others unless you have a reason to trust them, regardless of where you are:&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;At Home&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;Start by adopting a &quot;need to know&quot; approach to your personal data. Your credit card company may need to know your mother's maiden name, so that it can verify your identity when you call to inquire about your account. A person who calls you and says he's from your bank, however, doesn't need to know that information if it's already on file with your bank; the only purpose of such a call is to acquire that information for that person's personal benefit. Also, the more information that you have printed on your personal bank checks - such as your Social Security number or home telephone number - the more personal data you are routinely handing out to people who may not need that information. &lt;/li&gt;
&lt;li&gt;If someone you don't know calls you on the telephone and offers you the chance to receive a &quot;major&quot; credit card, a prize, or other valuable item, but asks you for personal data - such as your Social Security number, credit card number or expiration date, or mother's maiden name - ask them to send you a written application form. &lt;/li&gt;
&lt;li&gt;If they refuse to send the application form, tell them you're not interested and hang up. &lt;/li&gt;
&lt;li&gt;If they will send it, review the application carefully when you receive it and make sure it's going to a company or financial institution that's well-known and reputable. The Better Business Bureau can give you information about businesses that have been the subject of complaints. &lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&lt;strong&gt;On Travel&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;If you're traveling, have your mail held at your local post office, or ask someone you know well and trust - another family member, a friend, or a neighbor - to collect and hold your mail while you're away. &lt;/li&gt;
&lt;li&gt;If you have to telephone someone while you're traveling, and need to pass on personal financial information to the person you're calling, don't do it at an open telephone booth where passersby can listen in on what you're saying; use a telephone booth where you can close the door, or wait until you're at a less public location to call. &lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&lt;strong&gt;Check your financial information regularly, and look for what should be there and what shouldn't:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Should Be There?&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;If you have bank or credit card accounts, you should be receiving monthly statements that list transactions for the most recent month or reporting period. &lt;/li&gt;
&lt;li&gt;If you're not receiving monthly statements for the accounts you know you have, call the financial institution or credit card company immediately and ask about it. &lt;/li&gt;
&lt;li&gt;If you're told that your statements are being mailed to another address that you haven't authorized, tell the financial institution or credit card representative immediately that you did not authorize the change of address and that someone may be improperly using your accounts. In that situation, you should also ask for copies of all statements and debit or charge transactions that have occurred since the last statement you received. Obtaining those copies will help you to work with the financial institution or credit card company in determining whether some or all of those debit or charge transactions were fraudulent. &lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&lt;strong&gt;What Shouldn't Be There.&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;If someone has gotten your financial data and made unauthorized debits or charges against your financial accounts, checking your monthly statements carefully may be the quickest way for you to find out. Too many of us give those statements, or the enclosed checks or credit transactions, only a quick glance, and don't review them closely to make sure there are no unauthorized withdrawals or charges. &lt;/li&gt;
&lt;li&gt;If someone has managed to get access to your mail or other personal data, and opened any credit cards in your name or taken any funds from your bank account, contact your financial institution or credit card company immediately to report those transactions and to request further action. &lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&lt;strong&gt;Ask periodically for a copy of your credit report.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Your credit report should list all bank and financial accounts under your name, and will provide other indications of whether someone has wrongfully opened or used any accounts in your name.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Maintain careful records of your banking and financial accounts.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Even though financial institutions are required to maintain copies of your checks, debit transactions, and similar transactions for five years, you should retain your monthly statements and checks for at least one year, if not more. If you need to dispute a particular check or transaction - especially if they purport to bear your signatures -your original records will be more immediately accessible and useful to the institutions that you have contacted.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Even if you take all of these steps, however, it's still possible that you can become a victim of identity theft. Records containing your personal data - credit-card receipts or car-rental agreements, for example - may be found by or shared with someone who decides to use your data for fraudulent purposes.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Mon, 09 Nov 2009 14:42:12 -0600</pubDate>
      <link>http://activerain.com/blogsview/1328623/minimize-risk-of-becoming-victim-of-id-theft-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1324460/extension-of-tax-credit-approved-</guid>
      <title>Extension of Tax credit approved!</title>
      <description>&lt;p&gt;The long-awaited extension of the tax credit has been approved by both the House and the Senate and currently awaits President Obama's signature (which is not expected to be a problem).&amp;nbsp; There is also an expansion of the credit to include current homeowners (not just first-time buyers)...however, there are several restrictions along with improvements.&amp;nbsp; The income limits have been increased, the maximum sales price has been set at $800,000, etc.&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Fri, 06 Nov 2009 18:28:11 -0600</pubDate>
      <link>http://activerain.com/blogsview/1324460/extension-of-tax-credit-approved-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1310126/home-price-reduction-levels-stay-above-25-for-fourth-consecutive-month</guid>
      <title>Home Price Reduction Levels Stay Above 25% for Fourth Consecutive Month</title>
      <description>&lt;p&gt;Home Price Reduction Levels Stay Above 25% for Fourth Consecutive Month&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Trulia, Inc announced that 25.6% of homes currently on the market in the U.S. as of October 1, 2009 have experienced at least one price cut. More than one in four current listings on Trulia have been reduced in price for the fourth straight month. The total amount slashed from home prices is $28.4 billion, a $967 million increase from June 2009. The average discount for price-reduced homes continues to hold steady at 10% off of the original listing price. &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Northeast with Most Homes Reduced; West Sees Biggest Cuts&lt;/strong&gt;&lt;br /&gt;Five of the 10 states with the highest percentage of homes with price reductions are in the Northeast- Massachusetts, Rhode Island, Connecticut, New Hampshire and New Jersey. One in three homes in these states has cut their list price at least once. &lt;br /&gt;&lt;br /&gt;Seven of the 10 states leading the country with the biggest listing price cuts are in the West, where heavy foreclosures have taken their toll. In Nevada, Idaho, Arizona, Wyoming, Hawaii, Utah and California, cuts are an average of 13% off the original list price. Of the $28.4 billion slashed nationally, New York, California and Florida account for 35% of the total value of reductions. &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Report Findings&lt;/strong&gt;&lt;br /&gt;For the first time in four months, Jacksonville no longer holds the top spot for highest level of home-price reductions: Memphis replaced Jacksonville with 36% of current listings experiencing at least one round of discounts. Several cities continue to see high levels of cuts on home prices with Indianapolis, Milwaukee, Minneapolis, Portland and Raleigh, all earning a place in the top 10 for the third consecutive month. &lt;br /&gt;&lt;br /&gt;&quot;Interest in real estate typically wanes at the end of the year, which means that sellers who didn't aggressively price their homes may find themselves making difficult decisions to reduce their prices or delay the sale until interest piques again in January,&quot; said Pete Flint, Trulia co-founder and CEO. &quot;We are seeing the beginning of this trend in the Northeast and Western United States with discounting happening at all price points, and expect it to continue.&quot; &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Cities experiencing significant increases in percentage of listings with price reductions from June 2009 to October 2009 include:&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;-Kansas City, MO - 50% increase in price reductions&lt;br /&gt;-Colorado Springs, CO - 32% increase in price reductions&lt;br /&gt;-Louisville, KY - 27% increase in price reductions&lt;br /&gt;-Indianapolis, IN - 27% increase in price reductions&lt;br /&gt;-Portland, OR - 25% increase in price reductions&lt;br /&gt;-Oklahoma City, OK - 24% increase in price reductions&lt;br /&gt;-Memphis, TN - 24% increase in price reductions&lt;br /&gt;-Tulsa, OK - 23% increase in price reductions&lt;br /&gt;-Milwaukee, WI - 22% increase in price reductions&lt;br /&gt;-Arlington, VA - 22% increase in price reductions &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Cities showing the highest percentage of declines for listings with price reductions from June 2009 to October 2009 include:&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;-San Antonio, TX - 37% decrease in price reductions&lt;br /&gt;-Las Vegas, NV - 36% decrease in price reductions&lt;br /&gt;-Oakland, CA - 17% decrease in price reductions&lt;br /&gt;-San Jose, CA - 16% decrease in price reductions&lt;br /&gt;-Los Angeles, CA - 14% decrease in price reductions&lt;br /&gt;-Honolulu, HI - 11% decrease in price reductions&lt;br /&gt;-Long Beach, CA - 11% decrease in price reductions&lt;br /&gt;-Dallas, TX - 11% decrease in price reductions&lt;br /&gt;-Washington, D.C. - 10% decrease in price reductions&lt;br /&gt;-New York, NY - 9% decrease in price reductions &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Luxury Market Not Immune&lt;/strong&gt;&lt;br /&gt;Luxury homes (those listed at $2 million and above) continue to bear the brunt of discounts being offered with an average of 14% being slashed from the original asking price compared to the national average of 10%. Additionally, luxury homes represent less than 2% of all current listings on Trulia, but are responsible for 25% of the $28.4 billion in home price reductions.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 29 Oct 2009 14:57:29 -0500</pubDate>
      <link>http://activerain.com/blogsview/1310126/home-price-reduction-levels-stay-above-25-for-fourth-consecutive-month</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1310116/bernanke-recession-is-over-but-tough-times-will-linger</guid>
      <title>Bernanke: Recession is Over, But Tough Times Will Linger</title>
      <description>&lt;p&gt;Bernanke: Recession Is Over, but Tough Times Will Linger&lt;/p&gt;
&lt;p&gt;The deep recession that's gripped the U.S. economy by the throat since December 2007 is &quot;very likely over at this point,&quot; Federal Reserve Chairman Ben Bernanke recently said. &lt;br /&gt;&lt;br /&gt;However, Bernanke painted a picture of an underperforming economy well into next year as he fielded questions after a speech at the Brookings Institution, a center-left research center in the nation's capital. &lt;br /&gt;&lt;br /&gt;&quot;From a technical perspective the recession is very likely over,&quot; Bernanke said, cautioning that unemployment is likely to remain high. &quot;It's still going to feel like a very weak economy for some time, as many people will still find that their job security and employment status is not what they wish it was. So that's a challenge for us and all policymakers going forward.&quot; &lt;br /&gt;&lt;br /&gt;Most mainstream economists think that the National Bureau of Economic Research, the official scorekeeper of when recessions begin and end, eventually will declare that this downturn came to an end in the summer or early fall of 2009.&lt;br /&gt;&lt;br /&gt;What follows may not feel much like recovery, Bernanke cautioned, because structural problems in the U.S. economy are likely to resurface. There will be economic growth during the rest of this year, &quot;but the general view of most forecasters is the pace of growth in 2010 will be moderate, less than you might expect, given the depth of the recession, because of ongoing head winds.&quot; The &quot;head winds&quot; he referred to include an impaired credit system, households still trying to dig out from personal debt and ongoing adjustments in many sectors of the economy, such as construction and autos. &lt;br /&gt;&lt;br /&gt;In addition, the government must unwind many of its massive stimulus efforts or risk igniting inflation. That's all likely to lead to a weaker recovery than after past recessions, and a lingering high unemployment rate. &lt;br /&gt;&lt;br /&gt;The sluggish outlook was punctuated by August retail sales data recently released by the Commerce Department. Sales rose by 2.7% over July, driven up by the government's &quot;cash for clunkers&quot; car sales program and higher gasoline prices. Drop those two factors, and retail sales rose by only 0.6%. That's another sign of consumer reluctance to spend amid widespread job insecurity. &lt;br /&gt;&lt;br /&gt;&quot;The various fiscal stimulus measures, including the cash for clunkers program, are playing a pivotal role in jump-starting the economy in the third quarter of 2009, and that should create enough initial momentum to keep the recovery in motion, but we should not be looking for consumer spending to be a major driver of the recovery beyond the current quarter,&quot; Brian Bethune, a U.S. economist for forecaster IHS Global Insight, warned in a research note.&lt;br /&gt;&lt;br /&gt;Looking over a longer horizon, Bernanke said that a major factor in the recent global expansion of credit was significantly impaired and unlikely to revive anytime soon. The implication: less lending and at higher costs. The Fed chief was referring to securitization, the process by which loans are sold to Wall Street firms that bundle them together into securities that are sold to investors. Their returns on investment come from monthly payments that consumers make on their homes, cars, credit cards and student loans. &lt;br /&gt;&lt;br /&gt;Securitization is in a deep freeze right now because investors no longer want pooled loans, fearing defaults by consumers and businesses. This is one reason it's so difficult now for consumers to get credit to buy cars or houses. Bernanke warned that even when this process resumes, it's unlikely to be as vigorous as it was during the go-go days earlier this decade. &lt;br /&gt;&lt;br /&gt;&quot;My forecast would be that the shadow banking system - securitization markets - will come back, will be a substantial part of the U.S. credit system. But they will certainly, at least in the medium term, be simpler, smaller, less opaque, subject to more oversight by regulators,&quot; Bernanke said. &quot;And those things, I think, will constrain its growth for a period of time.&quot;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 29 Oct 2009 14:54:28 -0500</pubDate>
      <link>http://activerain.com/blogsview/1310116/bernanke-recession-is-over-but-tough-times-will-linger</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1310110/no-rest-for-the-weary</guid>
      <title>No Rest for the Weary</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;No Rest for the Weary: 75% of Americans Plan on Working as Long as They Can&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;A new study released by Bankrate, Inc. shows that &lt;strong&gt;the vast majority of working Americans plan to work as long as they can during retirement age,&lt;/strong&gt; showing a redefinition of how Americans view traditional retirement plans. The poll, conducted by Princeton Survey Research Associates International, is included in the new Bankrate Financial Literacy series on Retirement Income. &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Among the findings:&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;-75% of Americans plan to work as long as they can during retirement age.&lt;/span&gt;&lt;/strong&gt; 39% plan to work because they enjoy work while almost one-third plan to work because they'll need the money;&lt;br /&gt;-Although so many Americans plan on working through retirement age, &lt;strong&gt;only 15% of retirees polled are currently employed compared to 84% who are not;&lt;br /&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;-55% of retirees worry about money and wish they had saved more&lt;/span&gt;&lt;/strong&gt; compared to only 38% who think they have enough money to retire without worry;&lt;br /&gt;-The financial crisis has affected many people's plans to retire with &lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;only 31% expecting to retire on time as planned &lt;/span&gt;&lt;/strong&gt;while 40% plan on postponing their retirement plans;&lt;br /&gt;-53% of Americans made no changes to their investments due to the financial crisis compared to 14% who went with a more conservative investment approach;&lt;br /&gt;-Almost 40% of Americans are investing for retirement on their own with 16% using an asset allocation plan, 15% picking mutual funds based upon performance, and 8% with a target date fund. Twenty-seven percent use a financial adviser for decisions while 18% don't invest in a retirement plan and 9% don't utilize any strategies;&lt;br /&gt;-Due to a lack of pension plans like today's workforce, &lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;26% of retirees polled are relying solely on Social Security for their income. &lt;br /&gt;&lt;/strong&gt;&lt;/span&gt;&lt;br /&gt;&quot;This poll offers an interesting insight into Americans' views of employment and retirement,&quot; said Julie Bandy, editor in chief at Bankrate.com. &quot;Seventy-five percent of today's generation plan to work as long as possible, a far cry from that of previous generations. Falling home values and losses in retirement accounts are forcing many Americans to re-evaluate their retirement needs. &quot;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 29 Oct 2009 14:51:46 -0500</pubDate>
      <link>http://activerain.com/blogsview/1310110/no-rest-for-the-weary</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1298632/hera-hoepa-fees-and-loan-data-that-impact-apr</guid>
      <title>Hera-Hoepa -Fees and Loan Data that impact APR</title>
      <description>&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;HERA-HOEPA &lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Fees &amp;amp; Loan Data that impact APR&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Govt Recording/Transf Fees:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Recording Fee/Assignment&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Subordination/Modification&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;3rd Party Fees:&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Broker Compensation Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Courier/Messenger Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;EDD to 3rd Party&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Fax/Copies/Postage&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Final Inspection&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Flood Life of Loan&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;HOA Cert Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Home Warantee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Mortgage Ins Ap Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Processing Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Re-Draw Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Reconveyance Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Tax Service Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Transfer Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Underwriting Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Wire Transf Fee&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Lender Fees:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Application Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Assumption Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Commitment Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Discount Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Lock extension fee&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Lock extension fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Return to Float Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Lock in Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Modification Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Mortgage Broker Comp. Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Origination Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Processing Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Underwriting Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Holdback Fee&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Title/Closing/Settlement:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Closing/Escrow/Settlement&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Mortgage Insurance Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Doc Review&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Escrow/Loan Tie in Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;PMI/MIP&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Recording&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Servicing Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Temp. Buydown Fee&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Trust review&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Upfront Mtg Ins.&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Va Funding Fee&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Loan Data:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Per Diem Interest&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Loan Amount&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Interest Rate&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp;Loan Product&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Thu, 22 Oct 2009 17:10:19 -0500</pubDate>
      <link>http://activerain.com/blogsview/1298632/hera-hoepa-fees-and-loan-data-that-impact-apr</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1297003/lend-25-dollars-to-kiva-and-change-someones-life-</guid>
      <title>Lend $25 Dollars to Kiva, and Change someones Life!</title>
      <description>&lt;p&gt;
&lt;p&gt;&lt;strong&gt;Kiva&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;&lt;strong&gt;How does it work?&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Kiva brings together lenders and worthy enterprises on the web.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;From Kenya to Ecuador, microfinance institutions (MFI) around the world go to Kiva.org and post photos and profiles of low income entrepreneurs in need of money for their businesses.Loans made easy and personal.&lt;/p&gt;
&lt;p&gt;Lenders go to &lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Kiva.org&lt;/span&gt;&lt;/strong&gt; and browse through profiles of low-income entrepreneurs-a dairy farmer in Kenya, a man who wants to open a shoe shop in Honduras, or a tailor in Bulgaria. &lt;strong&gt;Lenders can then loan as little as $25 to the entrepreneur of their choice via PayPal&lt;/strong&gt;, a globally recognized online payment service.When a loan is funded by individual lenders, Kiva pools the money and transfers it to a Microfinance partner who handles distribution and collection of loan payments.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Journal updates keep the lenders informed about the progress of the entrepreneur they sponsored. Loan repayments made by the entrepreneur over the course of about 6-18 months are sent back to Kiva by the MFI partner.&lt;strong&gt;Once loans are repaid, Kiva users can choose to withdraw their principal or re-loan to another entrepreneur.&lt;/strong&gt; (80%+ of Kiva lenders choose to re-loan!&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Kiva Shows You Where Your Money Goes&lt;/strong&gt;&amp;nbsp;Unlike donations which usually go into general funds, Kiva loans show you exactlyWHO your money goes to, WHAT they are doing with it, and HOW you are making a difference. Best part? &lt;strong&gt;It's a loan, not a donation. We invite you to make a small&amp;nbsp;&amp;nbsp; loan and make a big difference!&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Kiva is a regisitered 501(3)(c) non-profit based out of San Francisco, CA&lt;/p&gt;
&lt;p&gt;www.kiva.org&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;GET repaid within months. Withdraw your money or lend again! WATCH your entrepreneur's small business grow via email updates SELECT an entrepreneur and make a small loan (as little as $25)&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;KIVA TRANSFERS funds abroad to a microfinance partner who administers the loan loans that change lives Kiva.org is a non-profit that is revolutionizing the fight against global poverty by enabling people to connect with and make personal loans-of as little as $25-to low-income entrepreneurs in the developing world. &lt;strong&gt;Most of the poor in developing countries are self-employed entrepreneurs and a small loan to purchase business-related items such as sewing machines or livestock can empower them to earn their way out of poverty&lt;/strong&gt;.&quot;Innovation of the W eek: Kiva.org uses smart design to make a little cash go a long way.&quot;&lt;/p&gt;
&lt;p&gt;&quot;Revolutionizing how donors and lenders in the US are connecting with small entrepreneurs in developing countries.&quot;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&quot;If you've got 25 bucks, a PC and a PayPal account, you've now got the wherewithal to be an international financier.&quot;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&quot;Kiva simply democratizes access to a worldwide microfinance movement that has been empowering the working poor for two decades.&quot;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&quot;At Kiva.org, a schoolteacher in K ansas can partner with an expert seamstress in countries like Kenya, Mexico and E cuador to jump-start a tailor shop&lt;/strong&gt;.&quot;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Wed, 21 Oct 2009 20:00:53 -0500</pubDate>
      <link>http://activerain.com/blogsview/1297003/lend-25-dollars-to-kiva-and-change-someones-life-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1296490/10-things-to-do-to-make-sure-your-loan-gets-denied-</guid>
      <title>10 Things to Do to make sure your loan gets denied!</title>
      <description>&lt;ol&gt;
&lt;li&gt;Forget to mention that you just bought a new car or stereo system.&lt;/li&gt;
&lt;li&gt;Forget to mention that you have to pay child support or alimony.&lt;/li&gt;
&lt;li&gt;Forget to mention that you will be going on maternity leave during the escrow.&lt;/li&gt;
&lt;li&gt;Forget to mention that the money you are using for the down payment and closing costs are coming from a gift from family and there is not way to document it.&lt;/li&gt;
&lt;li&gt;Forget to mention that one of the borrowers (husband/wife) hasnt recieved green card yet, or greencard is expiring.&lt;/li&gt;
&lt;li&gt;Forget to mention that the borrower is married (applied as single man/woman), and let the lender discover it when you sign loan papers.&lt;/li&gt;
&lt;li&gt;Have the money needed to close escrow come from the sale of another property that hasnt closed yet, and you need to close this escrow first.&lt;/li&gt;
&lt;li&gt;Apply on line with one of these online companies and have your credit report run 10 times in a row, guaranteed to change your fico scores to qualify.&lt;/li&gt;
&lt;li&gt;Create&amp;nbsp;your own&amp;nbsp;paystub, bank statement or w-2, tax return.&lt;/li&gt;
&lt;li&gt;When the lender audits your loan file before coe by calling your employer to verify your employment, make sure you have quit or are on unpaid leave.&lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Wed, 21 Oct 2009 15:00:53 -0500</pubDate>
      <link>http://activerain.com/blogsview/1296490/10-things-to-do-to-make-sure-your-loan-gets-denied-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1296319/have-you-hugged-your-loan-officer-and-escrow-title-officer-lately-</guid>
      <title>Have you hugged your loan officer and escrow/Title officer lately?</title>
      <description>&lt;p&gt;&lt;img title=&quot;Golly Gee!&quot; src=&quot;http://activerain.com/image_store/uploads/7/0/2/1/8/ar125614881481207.jpg&quot; height=&quot;72&quot; alt=&quot;&quot; width=&quot;72&quot; /&gt;&amp;nbsp;In the real estate business non of us get enough credit for all we do to make it look easy!&lt;/p&gt;
&lt;p&gt;This is good and bad.....good for the customer (they appreciate how smooth the process went), bad for us in that they think we are over paid for doing what a monkey could do.&lt;/p&gt;
&lt;p&gt;I am amazed how little some agents thank the loan officer and the escrow officer for all the last minute things they do to make the deal close on time (e.g. Lender:drawing docs at the last minute, changes to closing costs, credits, changing coe dates, two week closes. e.g. Title/Escrow: preparing docs for signing in 1-2hrs of reciept of the loan package, doing signoffs on evenings, weekends, and when they should be at lunch, rushing the prelims out, waiting for the client/agents/loan officers for the apt when they are 15-30min or more late,etc.).&lt;/p&gt;
&lt;p&gt;In real estate (I have been doing lending for over 25 years), it never ceases to amaze me how little we acknowledge the excellent work most of us do day to day. When is the last time you gave your loan officer or escrow officer a hug, a box of chocolates, a thank you card......just for being there for you and working as such a great team? If you havent done it lately...take a moment today to give them a call, an email, a note just letting them know how much you appreciate them and all they do for you.....you might be surprised how it will come back your way.&lt;/p&gt;
&lt;p&gt;I know how much rejection realtors get every day, every hour ( I am the in house lender with Wells Fargo in a local high end real estate office in Burlingame, CA)....I know how hard they work and how&amp;nbsp;some times the client goes with another agent after all the time and money is has been invested by you. As a lender I know rejection too....how many times I am rushed to get the preapproval letter out to find out the client never intended to use me for the loan just use me for the offer getting accepted (sometimes the agents are full participants in this......shame shame).......so in a business racked with curve balls, disappointments, glory, miracles, wonderful clients and escrows, happy memories, first homes, new babies, growing families......lets not forget to say THANK YOU!&lt;/p&gt;
&lt;p&gt;Roger Hunt&lt;/p&gt;
&lt;p&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.)&lt;/p&gt;
&lt;p&gt;650.796.0326&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.rogerhunt.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Wed, 21 Oct 2009 13:29:01 -0500</pubDate>
      <link>http://activerain.com/blogsview/1296319/have-you-hugged-your-loan-officer-and-escrow-title-officer-lately-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1294992/life-is-what-happens-when-you-are-making-other-plans-</guid>
      <title>Life is what happens when you are making other plans!</title>
      <description>&lt;p&gt;&lt;img title=&quot;Skipper&quot; src=&quot;http://activerain.com/image_store/uploads/9/2/8/5/4/ar125608146245829.jpg&quot; height=&quot;75&quot; alt=&quot;&quot; width=&quot;100&quot; /&gt;&lt;/p&gt;
&lt;p&gt;Life is what happens when you are making other plans!&lt;/p&gt;
&lt;p&gt;Who better than the &quot;skipper&quot; from Gilligans Island would know that?&lt;/p&gt;
&lt;p&gt;He started off his 3 hr cruise one day like any other day, and what happened?&lt;/p&gt;
&lt;p&gt;He was stranded with two rich people, a movie star, a professor, Gilligan, Maryann.&lt;/p&gt;
&lt;p&gt;Maybe he should have stayed home that day!&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 18:35:35 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294992/life-is-what-happens-when-you-are-making-other-plans-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1294983/10-things-to-do-to-make-sure-your-escrow-doesn-t-close-on-time-</guid>
      <title>10 Things to do to make sure your escrow doesn't close on time!</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;Ten Things to do to make sure your escrow doesn't close on time!&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;Don't get the signed purchase contract and addendums to the loan officer/bank right away.&lt;/li&gt;
&lt;li&gt;Don't meet the appraiser at the property asap to complete buyers appraisal.&lt;/li&gt;
&lt;li&gt;Take your time getting the HOA docs to Lender on condo and townhome.&lt;/li&gt;
&lt;li&gt;Provide a seller credit to the buyer without letting the lender know and have the credit be for things other than the non recurring costs (wait till the signing of the loan papers to let lender know).&lt;/li&gt;
&lt;li&gt;Mention in the purchase contract a pest inspection, and that the buyer is purchasing the property as is, without providing pest clearance if Section 1 noted in inspection.&lt;/li&gt;
&lt;li&gt;Don't have the utilities (water and gas/electric) in working condition when the appraiser does appraisal.&lt;/li&gt;
&lt;li&gt;Have the purchase contract list only the husband or the wife (not both), but have the lender do the approval on both of them.&lt;/li&gt;
&lt;li&gt;Change the close of escrow date to 2 wks earlier, without letting the lender know.&lt;/li&gt;
&lt;li&gt;Change Title/Escrow companies without letting the lender know.&lt;/li&gt;
&lt;li&gt;Don't stay in contact each step of the way with the lender.&lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;I know you have never done some of these things, but you would be surprised how many times they still happen and to seasoned agents......&lt;/p&gt;
&lt;p&gt;Moral of the story?&lt;/p&gt;
&lt;p&gt;Team work.......the escrows that move the smoothest and are the least stressful to your clients are the ones where everyone (Title, lender &amp;amp; Agents) work together to get the escrow closed. All are irreplaceable!&lt;/p&gt;
&lt;p&gt;I attend every signoff and sign my clients off at 3 days before coe, and usually 1 wk......in 25 years, this has been the single most significant thing I do....it allows for murphys law, and time to make corrections well ahead of time...many times without the borrowers having to be aware of the hick ups! Teamwork is critical!&lt;/p&gt;
&lt;p&gt;Roger&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 18:26:15 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294983/10-things-to-do-to-make-sure-your-escrow-doesn-t-close-on-time-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1294953/how-to-rescue-a-squirrel-</guid>
      <title>How to rescue a squirrel...</title>
      <description>&lt;p&gt;&lt;p&gt;I saw this posting.....loved the title, and thought the story was interesting...hope you find it also! thanks&lt;/p&gt;
&lt;p&gt;roger&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;/p&gt;&lt;div id=&quot;reblogging_tag&quot;&gt;Via &lt;b&gt;&lt;a href=&quot;http://activerain.com/blogsview/1290926/how-to-rescue-a-squirrel-&quot;&gt;Lake Livingston Real Estate by Deb Brooks&lt;/a&gt;&lt;/b&gt;:&lt;br/&gt;&lt;blockquote&gt;&lt;p&gt;One of my favorite things on Sunday is having the time to surf Active Rain and say hello to my friends. I love reading all the diverse topics and being able to view the world from others' perspectives! I learn, I laugh and I love getting to know so many different people and personalities. Just opening the dashboard is a wealth of information and so much better than the Houston Chronicle even though you don't give out coupons! Ha!&lt;/p&gt;
&lt;p&gt;I just read Michael Thornton's Feature &lt;a href=&quot;http://activerain.com/blogsview/1289429/fireplaces-hidden-dangers-&quot; target=&quot;_blank&quot;&gt;&quot;FIREPLACES-HIDDEN DANGER&quot;&lt;/a&gt;&amp;nbsp;and it now brings me to the topic of this post....&lt;/p&gt;
&lt;p&gt;SQUIRRELS. &lt;img src=&quot;http://i265.photobucket.com/albums/ii224/dabydoll/02squirelpooped.jpg?t=1255891328&quot; id=&quot;fullSizedImage&quot; height=&quot;213&quot; alt=&quot;02squirelpooped.jpg picture by dabydoll&quot; style=&quot;margin: 10px; float: left;&quot; width=&quot;300&quot; /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Yep, squirrels.&lt;/p&gt;
&lt;p&gt;And chimneys.&lt;/p&gt;
&lt;p&gt;Yep, chimneys.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Why, you ask....&lt;/p&gt;
&lt;p&gt;Well, there really is a point here.&lt;/p&gt;
&lt;p&gt;Once upon a time in a land far away called Deb's house there was a chimney without a chimney cover. (not a good idea by the way). Now in this said chimney it was not unusual to hear birdies, possibly Chimney Sweeps settling in for their spring nest. Deb always enjoyed listening to the chirping sounds of the babies and it became a strong sign of Spring.&lt;/p&gt;
&lt;p&gt;One day, Deb began to hear odd noises coming from the chimney that didn't sound very familiar. It was more like a scratching and shuffling. Confused and bewildered &lt;strong&gt;Deb ASSUMED (you know what they say about that word) that it was no big deal. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Soon the noise ceased. And, the bewilderment was forgot!&lt;/p&gt;
&lt;p&gt;A couple of days later Deb awakened to the birds singing and went in to pour her morning coffee.&lt;/p&gt;
&lt;p&gt;OMG, SOMETHING DIED IN HERE was her reaction. &lt;strong&gt;YUK AND PEEEEEUUUUUU.&lt;/strong&gt; Oddly enough the smell was coming from the chimney.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;911....PROFESSIONAL CHIMNEY SWEEPS PHONES WERE RINGING OFF THEIR WALLS TILL DEB SECURED ONE.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Sad but true a little squirrel had climbed down the chimney and couldn't get out. Huh. Deb always thought that if it got in it could get out. Go figure....&lt;/p&gt;
&lt;p&gt;The chimney was cleaned with care and with Febreeze and candles the aroma wained. Deb got a brand new chimney cover and it has stayed critter free ever after.&lt;/p&gt;
&lt;p&gt;WHAT THE CHIMNEY SWEEP TOLD ME. &lt;strong&gt;&lt;span style=&quot;text-decoration: underline;&quot;&gt;NOW THE POINT OF THE STORY.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you ever get a squirrel down your chimney don't panic...and don't ignore it.&lt;/p&gt;
&lt;p&gt;Simply drop a rope down the chimney and this will allow the squirrel to escape. See, it's not rocket science but no matter what it is I seem to have to learn it the hard way!&lt;/p&gt;
&lt;p&gt;lol, Happy Sunday.&lt;/p&gt;
&lt;p&gt;Deb&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;/blockquote&gt;&lt;/div&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 17:57:13 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294953/how-to-rescue-a-squirrel-</link>
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    <item>
      <guid>http://activerain.com/blogsview/1294940/10-commandments-home-buyers-must-follow</guid>
      <title>10 Commandments Home Buyers Must Follow</title>
      <description>&lt;p&gt;&lt;p&gt;I really liked this posting by &lt;strong&gt;Dr. CHANTAL SAUCIER....it really is true!&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;thanks&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Roger&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;/p&gt;&lt;div id=&quot;reblogging_tag&quot;&gt;Via &lt;b&gt;&lt;a href=&quot;http://activerain.com/blogsview/1293654/10-commandments-home-buyers-must-follow&quot;&gt;Dr. Chantal Saucier (Keller Williams Realty Acadiana)&lt;/a&gt;&lt;/b&gt;:&lt;br/&gt;&lt;blockquote&gt;&lt;p&gt;&lt;img title=&quot;10 commandments for home buyers&quot; src=&quot;http://activerain.com/image_store/uploads/5/1/0/8/5/ar12560385158015.jpg&quot; height=&quot;360&quot; alt=&quot;10 commandments for home buyers&quot; style=&quot;float: right;&quot; width=&quot;300&quot; /&gt;&lt;strong&gt;These 10 Commandments home buyers must follow&lt;/strong&gt; may seem like common sense to many. Buyers, however, can sometimes forget with all the excitement surrounding the buying of their new home. In the past couple of weeks, I have heard of two separate buyers who saw their home loan turned down, and their dream shattered, a few days before closing because they had bought furniture for their new home before it actually became their home. Both of them now have beautiful furniture with no home to put them in.&lt;/p&gt;
&lt;p&gt;These two buyers were not my clients but it always hurts when I hear of transactions falling apart for reasons that could have been avoided. These 10 commandments are part of the buyer packet I give all my clients when we first meet and I always stress that once they get pre-approved and the process is started, they can't do anything that might affect their credit.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;1.&lt;/strong&gt; Thou shalt not change jobs, become self-employed or quit your job.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;2.&lt;/strong&gt; Thou shalt not buy a car, truck or van (or you may be living in it)!&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;3.&lt;/strong&gt; Thou shalt not use credit cards excessively or let your accounts fall behind.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;4.&lt;/strong&gt; Thou shalt not spend money you have set aside for closing.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;5.&lt;/strong&gt; Thou shalt not omit debts or liabilities from your loan application.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;6.&lt;/strong&gt; Thou shalt not buy furniture.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;7.&lt;/strong&gt; Thou shalt not originate any inquiries into your credit.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;8.&lt;/strong&gt; Thou shalt not make large deposits without first checking with your loan officer.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;9.&lt;/strong&gt; Thou shalt not change bank accounts.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;10.&lt;/strong&gt; Thou shalt not co-sign a loan for anyone.&lt;/p&gt;
&lt;p&gt;If you are in the process of buying a home, remember that your credit must not change or be affected in any way until you actually sign the paperwork and get possession of your new home. Lenders will not only look into your credit when you first get pre-approved, they will check it again (and sometimes again and again) before they let you sign the mortgage. If you want to buy new furniture for your home or change jobs, just be patient. There will always be time to do it &lt;strong&gt;after the closing&lt;/strong&gt;.&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;a href=&quot;http://larealestatedoctor.com&quot; title=&quot;LaRealEstateDoctor.com&quot; target=&quot;_blank&quot;&gt;&lt;img title=&quot;LaRealEstateDoctor.com&quot; src=&quot;http://activerain.com/image_store/uploads/8/9/7/9/0/ar125603864809798.jpg&quot; height=&quot;105&quot; alt=&quot;logo LaRealEstateDoctor.com&quot; width=&quot;250&quot; /&gt;&lt;/a&gt;&lt;/p&gt;&lt;/blockquote&gt;&lt;/div&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 17:47:03 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294940/10-commandments-home-buyers-must-follow</link>
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      <guid>http://activerain.com/blogsview/1294918/why-can-t-we-live-life-like-a-dog-</guid>
      <title>Why can't we live life like a dog?</title>
      <description>&lt;p&gt;&lt;img title=&quot;Why Cant we be more like a dog?&quot; src=&quot;http://activerain.com/image_store/uploads/6/6/9/9/0/ar125607648209966.JPG&quot; alt=&quot;&quot; /&gt;&lt;/p&gt;
&lt;p&gt;Oh to live life like a dog!&lt;/p&gt;
&lt;p&gt;They are happy just to go for a walk, to sit in the car when you run errands, to play frisby or catch with the tennis ball, or just to sit next to you while your reading a book or watching tv. They dont ask much, just a meal, a couple treats, some loving and petting, some play time and plenty of sleep.&lt;/p&gt;
&lt;p&gt;It reminds me about a sermon my pastor gave back when I was in High School, the parable about the flowers of the fields....how they dont worry and fret about the rain and the soil and the sun, they just grow and blossom and live life to the fullest.&lt;/p&gt;
&lt;p&gt;Humans.....we make life so complicated and messy, with all our priorities, our &quot;emergencies&quot;, our drama.....at the end of the day, how much of our day is consumed with things, that in the great scheme&amp;nbsp;of things dont really matter.......&lt;/p&gt;
&lt;p&gt;The dog is&amp;nbsp;loyal, simple, basic, loving, affectionate &amp;amp; true.&lt;/p&gt;
&lt;p&gt;The dog is there when I come home from a hard day at work, with his smile and energy he makes me forget in a minute about all of that other stuff, and just laugh and want to be with him!&lt;/p&gt;
&lt;p&gt;Oh, to be a well cared for dog!&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 17:25:09 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294918/why-can-t-we-live-life-like-a-dog-</link>
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      <guid>http://activerain.com/blogsview/1294894/more-housing-aid-is-on-the-way</guid>
      <title>More Housing Aid is on the Way</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a name=&quot;message1&quot;&gt;&lt;/a&gt;More Housing Aid Is On the Way&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;em&gt;Washington Aims to Shore Up State, Local Agencies That Help Buyers With Few Options&lt;/em&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Wall Street Journal, By Nick Timiraos and Jessica Holzer&lt;/p&gt;
&lt;p&gt;October 20, 2009&lt;/p&gt;
&lt;p&gt;&amp;nbsp;The Obama administration unveiled steps to help state and local housing-finance agencies provide mortgages and rental housing to thousands of low- and moderate-income families, underscoring the expansive role the government has taken to stabilize the U.S. housing market.&lt;/p&gt;
&lt;p&gt;State and local housing-finance agencies, or HFAs, play a modest role in the housing market but represent one of the few sources of mortgages for many first-time and low-income home buyers. The federal aid is designed to revive HFAs' lending by shoring up their financing. State agencies sharply curtailed their lending after the credit crunch deepened one year ago.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Tax-exempt bond issuance by HFAs has fallen to $4 billion in 2009 from $10 billion last year and $16 billion in 2007, according to the National Council of State Housing Agencies.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&quot;This initiative is crucial to helping working families maintain access to affordable rental housing and homeownership in tough economic times,&quot; Treasury Secretary Timothy Geithner said.&lt;/p&gt;
&lt;p&gt;Under the program, the Treasury Department will purchase securities from Fannie Mae and Freddie Mac that are backed by state and local housing-agency bonds. Before using the proceeds of new bonds under that program, the HFAs will have to sell a portion of new debt to private investors in an effort to attract private capital to the market.&lt;/p&gt;
&lt;p&gt;Housing agencies were slammed by a host of market forces a year ago, when the pool of investors who could take advantage of tax-exempt securities shrank and interest rates rose on municipal securities. Administration efforts to lower mortgage rates through government purchases of mortgage-backed securities have also competed against state agencies, making it harder for them to offer attractive financing.&lt;/p&gt;
&lt;p&gt;The Treasury program will also allow Fannie and Freddie to offer temporary funding mechanisms designed to lower the costs associated with short-term debt that states increasingly issued in recent years to fund long-term mortgages. Around 38 HFAs have some $30 billion in variable-rate debt outstanding.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Some HFAs began a painful deleveraging process after that funding mechanism -- intended to increase the agencies' lending ability -- backfired. Some state housing agencies, including those in California and Wisconsin, have largely stopped making new loans.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;The Treasury said it hadn't yet determined the scale of either initiative and wouldn't provide a dollar amount.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Officials said the program would be funded by fees paid by the HFAs, in order to avoid any taxpayer subsidy.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&quot;We thought this was an appropriate and confined area in which we should take action,&quot; said Michael Barr, an assistant treasury secretary.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;HFAs finance the development of affordable rental housing and offer a range of programs to first-time home buyers, including counseling for borrowers that begins before they buy a home and assistance programs that lend down payments and closing costs to borrowers. Loans from HFAs require full documentation of incomes, and have performed better than subprime loans.&lt;/p&gt;
&lt;p&gt;&quot;One of the unfortunate takeaways from the subprime crisis is that working people can't sustain homeownership. They can, if it's done right,&quot; said Barbara Thompson, executive director of the National Council of State Housing Agencies, a trade group that represents state HFAs.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Roger Hunt&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;Private Mortgage Advisors (an affiliate of Wells Fargo Bank, N.A.) &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: Georgia;&quot;&gt;Burlingame,CA 94010&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;650.796.0326 &lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;http://www.rogerhunt.com.....roger.m.hunt@wellsfargo.com&quot;&gt;www.rogerhunt.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;font-size: x-small; font-family: georgia,palatino;&quot;&gt;&lt;a href=&quot;mailto:roger.m.hunt@wellsfargo.com&quot;&gt;roger.m.hunt@wellsfargo.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>Roger  Hunt (Private Mortgage Advisors/an affiliate Wells Fargo Bank N.A.)</dc:creator>
      <pubDate>Tue, 20 Oct 2009 17:01:08 -0500</pubDate>
      <link>http://activerain.com/blogsview/1294894/more-housing-aid-is-on-the-way</link>
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