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    <title>Rancho Palos Verdes Homes and Real Estate</title>
    <link>http://activerain.com/blogs/ryanrockwood</link>
    <description></description>
    <language>en-us</language>
    <item>
      <guid>http://activerain.com/blogsview/923164/free-backlink-give-away-for-seo-and-getting-new-clients</guid>
      <title>Free Backlink give-away for SEO and getting new clients</title>
      <description>&lt;p&gt;*OBVIOUSLY THIS IS A LIMITED TIME OFFER AS IT REQUIRES TONS OF WORK ON MY PART&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;There is a reason I've been totally neglecting my real estate blog for the last couple months - I've been totally consumed co-writing a book to teach consumers how to get Loan Modifications on their mortgages!&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.youtube.com/watch?v=vWElTsYpoh0" target="_blank"&gt;Click here to watch my YouTube Video explaining this offer.&lt;/a&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;I've never done anything like this and it's pretty exciting. The Website is still pretty frankensteined and ugly but you can check it out at http://www.60minuteloanmodification.com We are making improvements everyday and we hope to launch the book for sale in about 1-week.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;For Realtors, Loan Modifications aren't too exciting...On one hand, you want the best for your client. But we can't spend time messing with the process b/c that's not how we get paid! That's part of the reason we wrote the book.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;The housing meltdown decimated our business last year so we learned the loan modification process firsthand. (So far, my father has modified 5- or 6- of his own mortgages....some down to 4.5% interest rates!) Lemons / Lemonade....you you know the saying.  Anyway, I need to get the word out about this book. You can help by using your expertise and Real Estate Blogs to review the book for consumers. Would that interest you?&lt;/p&gt;
&lt;address&gt;&lt;strong&gt;&lt;img class="alignright size-full wp-image-963" src="http://matrix.realestatetomato.com/files/2009/02/ebook.jpg" height="206" alt="ebook" width="222"&gt;I know your time is valuable. To show my thanks, I will provide every reviewer with a custom video review of their website. I will also distribute the video to over 100-multi-media Websites and I will load the video description with the backlink and keywords of your choice. *To see a live example Google "60minuteloanmodification.com" to see about 800 current entries. &lt;/strong&gt;&lt;/address&gt;
&lt;p&gt;This is an incredibly valuable offer and I hope you will take me up on it. &lt;strong&gt;An email address to get a review copy of the book is at the bottom of this post &amp;amp; pls read the directions to claim your reviewer's bonus! &lt;/strong&gt; Thanks for the support!  Ryan Rocky Rockwood 310-809-0203&lt;/p&gt;
&lt;h1&gt;Review details /specs:&lt;/h1&gt;
&lt;p&gt;To receive your Review Copy, please email your contact information to rockyrockwood@gmail.com w/Review Copy in the Subject Line.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;The only requirement is your post should be on a publicly accessible BLOG and contain a live link to http://www.60minuteloanmodification.com with anchor text that includes 'How to get a Loan Modification'. [ex: &lt;a href="http://www.60minuteloanmodification.com" target="_blank"&gt;How To Get A Loan Modification &lt;/a&gt;]Other than that you are on your own. Feel free to email me if you would like a sample book review.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Also, if you would like 50% of the profit of any book purchased by your readers feel free to create an account at http://www.60minuteloanmodification.com/affiliates/  You will be get a personalized link to use instead of the direct link below. If you don't know how this works just give me an email and I'll set it up for you.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Once you're done, email a link of your review to rockyrockwood@gmail.com and complete the following questions:  1. What is your desired keyword phrase?  2. Do you have a video already or would you like a free video review of your Website?  3. What is the exact URL you wish to promote?  4. What are your top 10 keywords?&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Sun, 08 Feb 2009 13:20:22 -0800</pubDate>
      <link>http://activerain.com/blogsview/923164/free-backlink-give-away-for-seo-and-getting-new-clients</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/678960/signs-the-housing-market-may-rebound-in-2009</guid>
      <title>Signs the Housing Market may rebound in 2009</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-housing-hope-signs-the-housing-market-may-rebound-in-2009" title=": Torrance Housing Hope: Signs the Housing Market May Rebound in 2009" rel="bookmark"&gt;Torrance Housing Hope: Signs the Housing Market May Rebound in 2009&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Most experts agree that 2007 was one the worst years for the Torrance real estate market in a long period of time. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;People have begun comparing the present market problems to the crash during the 1980's. Though certain aspects, such as prices, may stop falling in the current year, there are signs that the market will truly begin to rebound in 2009. This could signal rises in prices, which have been rapidly dropping in the last couple months. Another reason a 2009 rebound is predicted is that it is believed the market will finally hit bottom in the current year. On the surface, this may cause anxiety, but consumers need to remember that a market must hit bottom before it can fully recover.&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-housing-hope-signs-the-housing-market-may-rebound-in-2009#more16624"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Past Articles:&lt;/strong&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-second-homes" title="Permanent link to 'Will a Second South Bay Home be in your future?'"&gt;Will a Second South Bay Home be in your future?&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/palos-verdes-estates-home-for-sale-4128-via-nivel-1-030-000" title="Permanent link to 'Palos Verdes Estates Home for Sale 4128 Via Nivel  $1,030,000'"&gt;Palos Verdes Estates Home for Sale 4128 Via Nivel $1,030,000&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/va-loan-foreclosure-explained-for-manhattan-beach-investors" title="Permanent link to 'VA Loan Foreclosure explained for Manhattan Beach Investors'"&gt;VA Loan Foreclosure explained for Manhattan Beach Investors&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/1st-time-buyer-mortgage-tips" title="Permanent link to '1st time looking for a Mortgage in Torrance California?  Read these tips first!'"&gt;1st time looking for a Mortgage in Torrance California? Read these tips first!&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/beechgate-home-for-sale-rancho-palos-verdes" title="Permanent link to 'Beechgate Home for sale: Rancho Palos Verdes'"&gt;Beechgate Home for sale: Rancho Palos Verdes&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/san-pedro-townhouse-for-sale-new-lower-prices" title="Permanent link to 'San Pedro townhouse for sale: new lower prices! '"&gt;San Pedro townhouse for sale: new lower prices! &lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-foreclosure-home-for-sale-real-estate-investment" title="Permanent link to 'South Bay foreclosure home for sale: Real Estate investment'"&gt;South Bay foreclosure home for sale: Real Estate investment&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/understanding-real-estate-contracts-in-rolling-hills-california" title="Permanent link to 'Understanding Real Estate Contracts in Rolling Hills California'"&gt;Understanding Real Estate Contracts in Rolling Hills California&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/ways-to-avoid-foreclosure-of-your-south-bay-area-home" title="Permanent link to 'Ways to Avoid Foreclosure of your South Bay Area Home'"&gt;Ways to Avoid Foreclosure of your South Bay Area Home&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/credit-ratings" title="Permanent link to 'Credit Rating and The FCRA: How They Affect Torrance Real Estate Mortgages'"&gt;Credit Rating and The FCRA: How They Affect Torrance Real Estate Mortgages&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Sun, 07 Sep 2008 12:12:18 -0700</pubDate>
      <link>http://activerain.com/blogsview/678960/signs-the-housing-market-may-rebound-in-2009</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/678945/manhattan-beach-real-estate-investing-what-is-a-va-loan-foreclosure-</guid>
      <title>Manhattan Beach Real Estate Investing: What is a VA Loan Foreclosure?</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/va-loan-foreclosure-explained-for-manhattan-beach-investors" title=": VA Loan Foreclosure explained for Manhattan Beach Investors" rel="bookmark"&gt;VA Loan Foreclosure explained for Manhattan Beach Investors&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Manhattan Beach Real Estate Investing: What is a VA Loan Foreclosure?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;A quick check of a &lt;a href="http://www.va-home-loans.com/who_can_buy_VA_loan.htm"&gt;VA loan foreclosure&lt;/a&gt; will reveal that this isn't made to be understood at first glance. Just like anything in this world, a complete understanding of what &lt;a href="http://www.foreclosureuniversity.com/studycenter/freereports/what_is_foreclosure.php"&gt;foreclosure&lt;/a&gt; and &lt;a href="http://en.wikipedia.org/wiki/Repossession"&gt;repossession&lt;/a&gt; is will require a second or a third look on the matter. Though repossession and foreclosures may not copy the usual characteristics that come with real estate buying in &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Manhattan-Beach"&gt;Manhattan Beach&lt;/a&gt;, there are still some features that make repossession and foreclosures unique.&lt;/p&gt;
&lt;p&gt;Read Also:&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-california-va-home-foreclosures" title=": Torrance California VA Home Foreclosures"&gt;Torrance California VA Home Foreclosures&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;Here are some features that help make repossessions a league different from real estate buying; you don't need shell out money for a down payment and interest rates used are low.&lt;/p&gt;
&lt;p&gt;Tell someone that his Manhattan Beach property will be repossessed and chances are, he will be alarmed and frightened. And who wouldn't be? A property will be lost, and if it's their home then tomorrow they will not have a shelter that they can call their own. The news of foreclosure brings images of homelessness, but it should be remembered as well that there is something good that will come out of this bad dream.&lt;/p&gt;
&lt;p&gt;Read Also:&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/short-sales-foreclosures" title=": Torrance California Short Sales - Is it right for you?"&gt;Torrance California Short Sales - Is it right for you?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;VA Loan Foreclosures: A Not-So-Bad Concept &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;A number of other images and impressions will register on different persons when they hear the words "foreclosure" and "repossession." Though these may produce conflicting feelings, there is one thing that that emanates from it that shouldn't be dismissed outright. That one thing is the fact that foreclosures like the VA loan foreclosure isn't always negative. It may share the stage with loans and mortgages, but there is something good about this concept.&lt;/p&gt;
&lt;p&gt;Read Also:&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-california-mortgage-home-for-those-that-are-credit-challenged" title=": Torrance California Mortgage for those that are credit challenged!"&gt;Torrance California Mortgage for those that are credit challenged!&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/va-loan-foreclosure-explained-for-manhattan-beach-investors#more17154"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Sun, 07 Sep 2008 12:03:30 -0700</pubDate>
      <link>http://activerain.com/blogsview/678945/manhattan-beach-real-estate-investing-what-is-a-va-loan-foreclosure-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/678941/looking-for-a-bargain-with-your-second-home-in-south-bay</guid>
      <title>Looking for a Bargain with Your Second Home in South Bay</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-second-homes" title=": Will a Second South Bay Home be in your future?" rel="bookmark"&gt;Will a Second South Bay Home be in your future?&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Looking for a Bargain with Your Second Home in South Bay&lt;img title="Dive into a Second Home" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0407078.jpg" height="150" alt="Dive into a Second Home" width="225" style="float: right; margin: 11px 22px;"&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The current American real estate market is no longer monopolized by the upper classes. Indeed, the boom in the American real estate industry has been due largely to the increasing participation of &lt;a href="http://www.realestatejournal.com/secondhomes/20080123-dougherty.html"&gt;middle-income Americans&lt;/a&gt;. These middle-income Americans have jumped in on the trend of owning second homes. They usually choose to invest on second homes located outside of their home state, such as in the Palos Verdes Peninsula area (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Palos-Verdes-Estates"&gt;Palos Verdes Estates&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rancho-Palos-Verdes-Homes"&gt;Rancho Palos Verdes,&lt;/a&gt; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rolling-Hills-Homes"&gt;Rolling Hills&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rolling-Hills-Estates-Homes"&gt;Rolling Hills Estates&lt;/a&gt;), the Beach Cities area (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Manhattan-Beach" title="Manhattan Beach"&gt;Manhattan Beach&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Hermosa-Beach-Homes" title="Hermosa Beach"&gt;Hermosa Beach&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Redondo-Beach-Homes" title="Redondo Beach"&gt;Redondo Beach&lt;/a&gt;),or another other area in South Bay (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Lomita-Homes" title="Lomita"&gt;Lomita&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/San-Pedro-Homes" title="San Pedro"&gt;San Pedro&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes" title="Torrance California"&gt;Torrance&lt;/a&gt;).&lt;/p&gt;
&lt;p&gt;There are people who jump into the real estate investment business head first with very little information about what they should invest on in &lt;a href="http://en.wikipedia.org/wiki/South_Bay,_Los_Angeles"&gt;South Bay&lt;/a&gt; and how to properly go about it. The first thing that must be put into consideration is how much you can afford in purchasing your second home in the South Bay area. A budget should be taken into consideration, as this defines the limits of what you can and cannot buy; it might be the difference between purchasing a home in San Pedro or Redondo Beach. &amp;nbsp;&amp;nbsp;This amount that you can spend on a second home usually depends on your economic well-being. However, there are a variety of factors that contribute to the shifts in house prices.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/turn-your-torrance-second-home-into-a-vacation-rental" title=": Turn your Torrance Second Home into a Vacation Rental"&gt;Turn your Torrance Second Home into a Vacation Rental&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-second-homes#more17158"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Sun, 07 Sep 2008 12:01:28 -0700</pubDate>
      <link>http://activerain.com/blogsview/678941/looking-for-a-bargain-with-your-second-home-in-south-bay</link>
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      <guid>http://activerain.com/blogsview/677348/mortgage-tips-for-first-time-home-buyers-in-the-torrance-real-estate-market</guid>
      <title>Mortgage Tips for First Time Home Buyers in the Torrance Real Estate Market</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/1st-time-buyer-mortgage-tips" title=": 1st time looking for a Mortgage in Torrance California?  Read these tips first!" rel="bookmark"&gt;1st time looking for a Mortgage in Torrance California? Read these tips first!&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Mortgage Tips for First Time Home Buyers in the Torrance Real Estate Market&lt;img title="1st time home buyer mortgage tips" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0438509.jpg" height="206" alt="1st time home buyer mortgage tips" width="141" style="float: left; margin: 11px 22px;"&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Most people have the dream of one day starting a family and living in their Torrance dream home. If you have made smart financial decisions throughout the years, you are most likely very close to reaching your goal. However, there are some tough steps that lay ahead before your dream is a reality. You will need to do tons of research and evaluation to be sure you receive everything you want and can handle.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/better-for-torrance-citizens-conventional-home-loans-or-fha-loans" title=": Better for Torrance Citizens: Conventional Home Loans or FHA Loans?"&gt;Better for Torrance Citizens: Conventional Home Loans or FHA Loans?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;If you are close to making the decision to enter the Torrance Real Estate Market, study these tips on mortgages before searching all &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-homes-for-sale-table-of-contents"&gt;Torrance Homes for Sale&lt;/a&gt;:&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/1st-time-buyer-mortgage-tips#more17153"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Sat, 06 Sep 2008 09:26:51 -0700</pubDate>
      <link>http://activerain.com/blogsview/677348/mortgage-tips-for-first-time-home-buyers-in-the-torrance-real-estate-market</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/674472/how-your-credit-rating-affects-your-torrance-real-estate-mortgage</guid>
      <title>How your Credit rating affects your Torrance Real Estate Mortgage</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/credit-ratings" title=": Credit Rating and The FCRA: How They Affect Torrance Real Estate Mortgages" rel="bookmark"&gt;Credit Rating and The FCRA: How They Affect Torrance Real Estate Mortgages&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;img title="Torrance Real Estate Mortgage" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0316794.jpg" height="181" alt="Torrance Real Estate Mortgage" width="275" style="float: right; margin: 11px 22px;"&gt;It is possible that you are a &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes" title="Torrance California Information"&gt;Torrance consumer&lt;/a&gt; who is facing money issues and looking for a quick fix to the problems. Loans are commonly utilized as a way to deal with the situation. Currently, there are a great deal of loan options, such as pawning possessions, asking organizations for some temporary money, loans from commercial lenders, etc.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Home loans&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;One option, specifically for people with high debt in Torrance, is a mortgage. A mortgage is just giving up the property title to a company as collateral for a substantial loan. Before receiving the loan, certain terms are set, such as payment amount and dates, and violating the agreement could cause you to lose your property.&lt;/p&gt;
&lt;p&gt;Unfortunately, some people cannot qualify for loans, especially from commercial lenders and large banks. As everyone is somewhat uneasy lending money to a stranger, lenders are going to try and find people that they believe will completely repay their investment.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area" title=": Home Ownership Options in the South Bay Area"&gt;Home Ownership Options in the South Bay Area&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Credit Rating&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;With credit ratings, the score is calculated from credit reports, which chronicle debt, payments, borrowing, etc. Essentially, the rating number gives an estimate of how large of a loan a person can receive and fully repay the lender. A higher credit rating means you can receive a larger loan.&lt;/p&gt;
&lt;p&gt;In order to have a high credit rating, which will greatly affect the odds of you receiving a mortgage, pay loans and bills on time, and follow other financial restrictions. A high rating is much better than a low number, as a low credit score greatly limits financial options and can cause many issues.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Watch the Video&lt;/strong&gt;:&amp;nbsp; &lt;a href="http://www.youtube.com/watch?v=rSEPZTxQ-lM"&gt;Credit Score Blues&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/credit-ratings#more17088"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Thu, 04 Sep 2008 12:59:11 -0700</pubDate>
      <link>http://activerain.com/blogsview/674472/how-your-credit-rating-affects-your-torrance-real-estate-mortgage</link>
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      <guid>http://activerain.com/blogsview/674463/tips-on-how-to-avoid-fha-home-foreclosure-of-your-south-bay-area-home</guid>
      <title>Tips on How to Avoid FHA Home Foreclosure of Your South Bay Area Home</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/ways-to-avoid-foreclosure-of-your-south-bay-area-home" title=": Ways to Avoid Foreclosure of your South Bay Area Home" rel="bookmark"&gt;Ways to Avoid Foreclosure of your South Bay Area Home&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Tips on How to Avoid FHA Home Foreclosure of Your South Bay Area Home&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.hud.gov/homes/homesforsale.cfm"&gt;&lt;img title="Avoiding Foreclosure in the south Bay" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/Foreclosure%20sign_1.jpg" height="150" alt="Avoiding Foreclosure in the South Bay" width="225" style="float: left; margin: 11px 22px;"&gt;FHA home foreclosures&lt;/a&gt; are foreclosed homes that were previously financed by individuals, either by homeowners or investors in the South Bay area. Various situations cause foreclosures: financial difficulties due to unemployment or death in the family, debts from credit card use and others.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What to Do When You're Faced with an FHA Home Foreclosure &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The foreclosure of a South Bay area home can be shocking and demoralizing to any homeowner. However, it can still be forestalled by certain simple measures and proper education. If you own a home in the Palos Verdes Peninsula area (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Palos-Verdes-Estates"&gt;Palos Verdes Estates&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rancho-Palos-Verdes-Homes"&gt;Rancho Palos Verdes,&lt;/a&gt; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rolling-Hills-Homes"&gt;Rolling Hills&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rolling-Hills-Estates-Homes"&gt;Rolling Hills Estates&lt;/a&gt;), the Beach Cities area (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Manhattan-Beach" title="Manhattan Beach"&gt;Manhattan Beach&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Hermosa-Beach-Homes" title="Hermosa Beach"&gt;Hermosa Beach&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Redondo-Beach-Homes" title="Redondo Beach"&gt;Redondo Beach&lt;/a&gt;),or another other area in South Bay (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Lomita-Homes" title="Lomita"&gt;Lomita&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/San-Pedro-Homes" title="San Pedro"&gt;San Pedro&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes" title="Torrance California"&gt;Torrance&lt;/a&gt;) there are some alternatives available to you so you can avoid FHA home foreclosure:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Acknowledge the problem and face it squarely. Ignoring the situation and continuously falling behind on your payments will make it difficult for you to regain your credibility with the lending institution. Maintain communications with your South Bay area lender and do not evade their letters. Better yet, review your correspondence as your lender may have included information on how to avoid foreclosure of your South Bay area home. &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/ways-to-avoid-foreclosure-of-your-south-bay-area-home#more17110"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Thu, 04 Sep 2008 12:55:48 -0700</pubDate>
      <link>http://activerain.com/blogsview/674463/tips-on-how-to-avoid-fha-home-foreclosure-of-your-south-bay-area-home</link>
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      <guid>http://activerain.com/blogsview/674436/advice-on-buying-real-estate-in-the-south-bay</guid>
      <title>Advice on Buying Real Estate in the South Bay</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-real-estate-buyers-guide" title=": South Bay Real Estate Buyers Guide" rel="bookmark"&gt;South Bay Real Estate Buyers Guide&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Advice on Buying Real Estate in South Bay&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title="Guide to Purchasing Real Estate in South Bay" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0422733.jpg" height="255" alt="Purchasing Real Estate in South Bay" width="262" style="float: right; margin: 11px 22px;"&gt;&lt;/p&gt;
&lt;p&gt;The value of real estate in South Bay is variable. Real estate may cost more in the Beach Cities (&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Manhattan-Beach" title="Manhattan Beach"&gt;Manhattan Beach&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Hermosa-Beach-Homes" title="Hermosa Beach"&gt;Hermosa Beach&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Redondo-Beach-Homes" title="Redondo Beach"&gt;Redondo Beach&lt;/a&gt;), for instance, than in the other South Bay areas like &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Lomita-Homes" title="Lomita"&gt;Lomita&lt;/a&gt;, &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/San-Pedro-Homes" title="San Pedro"&gt;San Pedro&lt;/a&gt; and &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes" title="Torrance California"&gt;Torrance&lt;/a&gt;. A lot of factors have to be taken into consideration in the valuation of real estate. Those situated in first-rate and major areas in South Bay make up what is known as prime property. You will have to pay more for real estate situated in such places.&lt;/p&gt;
&lt;p&gt;The purchase of a South Bay real estate means using up your earnings and hard-earned savings. As such, very thoughtful considerations have to be made. If you you're a first time buyer, the process isn't easy. So foremost is to look for a credible and reputable real estate agent. Talk to him. Tell him what you are looking for in a South Bay area home, including location, budget, family preferences, and such other matters that you consider important in the choice of the real estate you will be purchasing. The purchase of a property in the Palos Verdes Peninsula area, for instance, can be different from the purchase of a property in the Beach Cities. Thus, a real agent can guide you along the way.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also&lt;/strong&gt;:&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/first-time-homebuyers-tax-credit-torrance-palos-verdes-and-beach-cities" title=": First Time Homebuyers Tax Credit: Torrance, Palos Verdes and Beach Cities" rel="bookmark"&gt;First Time Homebuyers Tax Credit: Torrance, Palos Verdes and Beach Cities&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/south-bay-real-estate-buyers-guide#more17062"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Thu, 04 Sep 2008 12:39:58 -0700</pubDate>
      <link>http://activerain.com/blogsview/674436/advice-on-buying-real-estate-in-the-south-bay</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/674428/real-estate-contracts-acquiring-real-estate-property-in-rolling-hills</guid>
      <title>Real Estate Contracts: Acquiring Real Estate Property in Rolling Hills</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/understanding-real-estate-contracts-in-rolling-hills-california" title=": Understanding Real Estate Contracts in Rolling Hills California" rel="bookmark"&gt;Understanding Real Estate Contracts in Rolling Hills California&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;&lt;img title="Understanding Real Estate Contracts" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0411819.jpg" height="233" alt="Understanding Real Estate Contracts" width="180" style="float: left; margin: 11px 22px;"&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Real Estate Contracts: Acquiring Real Estate Property in Rolling Hills&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The real estate business is popular the world over among &lt;a href="http://www.realtor.org/"&gt;real estate professionals&lt;/a&gt;. Why wouldn't it? The business is one that promises huge returns. Moreover, the activities surrounding the real estate business are considered interesting even to people who aren't in the business. If you're keen on buying yourself a beautiful house in the &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Rolling-Hills-Homes"&gt;Rolling Hills&lt;/a&gt; area soon, this article contains some tips you can keep in mind. These tips will help you get information about the real estate industry, and will inevitably keep you from being out of loop.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate-contracts" title=": Understanding South Bay Real Estate Contracts"&gt;Understanding South Bay Real Estate Contracts&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Real Estate Contracts and Tips on Buying Real Estate&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Generally, the real estate business is &lt;a href="http://www.escapeartist.com/OREQ13/Minimise_Risk_In_Real_Estate_Investment.html"&gt;considered risky&lt;/a&gt;. But really, how much more simple can it get, with the business involving buying and selling homes in &lt;a href="http://en.wikipedia.org/wiki/Rolling_Hills,_California"&gt;Rolling Hills&lt;/a&gt;? However, be careful: if you don't know the basics, people who do can manipulate you.&lt;/p&gt;
&lt;p&gt;To start, you have to be aware of the fact that there are two sorts of properties on sale: one that is the commonplace real property for sale, while the other is one that is on resale. These days, usual property often has lower resale value. There are also properties on resale for which the owners will refuse to accept the price you deem adequate for the property they are selling.&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/understanding-real-estate-contracts-in-rolling-hills-california#more17112"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&amp;nbsp;&lt;/p&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area" title=": Home Ownership Options in the South Bay Area" rel="bookmark"&gt;Home Ownership Options in the South Bay Area&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-for-sale-by-owner-aka-now-interviewing-realtors" title=": Torrance For Sale By Owner: AKA now interviewing Realtors" rel="bookmark"&gt;Torrance For Sale By Owner: AKA now interviewing Realtors&lt;/a&gt;&amp;nbsp; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/oprah-to-halle-barry-the-inside-scoop-on-how-and-where-they-live" title=": Oprah to Halle Barry: The inside scoop on how and where they live" rel="bookmark"&gt;Oprah to Halle Barry: The inside scoop on how and where they live&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/ranch-palos-verdes-foreclosure-home-for-sale" title=": Ranch Palos Verdes Foreclosure Home for Sale" rel="bookmark"&gt;Ranch Palos Verdes Foreclosure Home for Sale&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/mls-map" title=": Now you can own the ultimate MLS map of the South Bay, available exclusively to Realtors!" rel="bookmark"&gt;Now you can own the ultimate MLS map of the South Bay, available exclusively to Realtors!&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase" title=": The Value Your California Real Estate Attorney Brings to your Home Purchase" rel="bookmark"&gt;The Value Your California Real Estate Attorney Brings to your Home Purchase&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate-agent" title=": Find the Best Real Estate Agent to Buy or Sell your Home" rel="bookmark"&gt;Find the Best Real Estate Agent to Buy or Sell your Home&lt;/a&gt; &lt;/li&gt;
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&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/rolling-hills-estates-ranch-style-home-for-sale-handheld-video-for-home-buyers" title=": Rolling Hills Estates Ranch style Home for Sale: Handheld video for home buyers" rel="bookmark"&gt;Rolling Hills Estates Ranch style Home for Sale: Handheld video for home buyers&lt;/a&gt; &lt;/li&gt;
&lt;/ol&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Thu, 04 Sep 2008 12:34:03 -0700</pubDate>
      <link>http://activerain.com/blogsview/674428/real-estate-contracts-acquiring-real-estate-property-in-rolling-hills</link>
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      <guid>http://activerain.com/blogsview/672476/the-american-dream-in-torrance-california</guid>
      <title>The American Dream in Torrance California</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-loan-readiness-for-those-looking-to-enter-the-torrance-real-estate-market" title=": Home Loan Readiness for Those Looking to Enter the Torrance Real Estate Market. " rel="bookmark"&gt;Home Loan Readiness for Those Looking to Enter the Torrance Real Estate Market. &lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;img title="Home Ownership" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/Family%20sold%20sign_1.jpg" height="128" alt="Home Ownership" width="129" style="float: left; margin: 11px 22px;"&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;The American Dream&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Purchasing a home is one of the largest dreams many people have. One's own home is a symbol of an extended period of hard work and careful planning.&lt;/p&gt;
&lt;p&gt;Unfortunately, &lt;a href="http://finance.move.com/homefinance/guides/buyers/" title="home ownership"&gt;home ownership&lt;/a&gt; is not a simple process. For a monetary standpoint, all the options and complications can be extremely confusing. Also, a potential buyer must posses substantial money before even considering entering the real estate market.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-california-mortgage-home-for-those-that-are-credit-challenged" title=": Torrance California Mortgage for those that are credit challenged!"&gt;Torrance California Mortgage for those that are credit challenged!&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;One must analyze their own financial situation before trying to buy a home. This includes carefully looking at savings and current and future sources of income. If one expects to receive a loan, a clear strategy for paying it back must be presented.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Many people seem to prefer to avail of home loans. This loan type is a relatively easy path to home ownership, as debt is paid over time. Since payments are made for many years, owning a home is not as tough as it once was.&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-loan-readiness-for-those-looking-to-enter-the-torrance-real-estate-market#more17001"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&amp;nbsp;&lt;/p&gt;
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      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Wed, 03 Sep 2008 10:38:18 -0700</pubDate>
      <link>http://activerain.com/blogsview/672476/the-american-dream-in-torrance-california</link>
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      <guid>http://activerain.com/blogsview/672471/an-analysis-of-the-fha-for-torrance-citizens</guid>
      <title>An Analysis of the FHA for Torrance Citizens</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-ca-american-dream-comes-true-with-fha-loans" title=": Torrance CA American Dream Comes True with FHA Loans" rel="bookmark"&gt;Torrance CA American Dream Comes True with FHA Loans&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&amp;nbsp; &lt;a href="http://www.fha.com/" title="FHA"&gt;&lt;img title="FHA" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/logo_250phone.gif" height="100" alt="FHA" width="250" style="float: right;"&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;An Analysis of the FHA for Torrance Citizens&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Has the idea of purchasing a &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes" title="Torrance California"&gt;Torrance home&lt;/a&gt; ever struck you? Does it seem within reach and affordable? With FHA home loans, many people are able receive the money necessary for home ownership.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What is the FHA?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;An FHA loan gives the ability for a consumer to buy a property with a tiny down-payment of 3%, in contrast to many other types of loans which require a higher percentage.&lt;/p&gt;
&lt;p&gt;With this loan program, first-time buyers without much extra money will also see benefits when searching Torrance homes for sale.&lt;/p&gt;
&lt;p&gt;Realize that the FHA does not actually grant these loans; they insure them.&amp;nbsp; If a buyer defaults on his loan, the lender will receive payment covered by the FHA.&amp;nbsp; To receive an FHA loan, one must have a decent credit history, along with income comparable to the loan amount requested.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-california-mortgage-home-for-those-that-are-credit-challenged" title=": Torrance California Mortgage for those that are credit challenged!" rel="bookmark"&gt;Torrance California Mortgage for those that are credit challenged!&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-ca-american-dream-comes-true-with-fha-loans#more17003"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Wed, 03 Sep 2008 10:34:54 -0700</pubDate>
      <link>http://activerain.com/blogsview/672471/an-analysis-of-the-fha-for-torrance-citizens</link>
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      <guid>http://activerain.com/blogsview/672467/selling-property-in-the-palos-verdes-peninsula-here-are-five-tips-to-close-the-deal-</guid>
      <title>Selling Property in the Palos Verdes Peninsula? Here are Five Tips to Close the Deal!</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/negotiate-to-close-in-the-palos-verdes-peninsula" title=": Negotiate to Close in the Palos Verdes Peninsula!" rel="bookmark"&gt;Negotiate to Close in the Palos Verdes Peninsula!&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&amp;nbsp; &lt;img title="Negotiate to close" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0284871.jpg" height="150" alt="Negotiate to close" width="225"&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Selling Property in the Palos Verdes Peninsula? Here are Five Tips to Close the Deal!&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;A significant change has occurred in the&amp;nbsp;Palos Verdes Peninsula&amp;nbsp;real estate market. From a market that previously placed more emphasis on sellers, it has shifted its focus on buyers.&lt;/p&gt;
&lt;p&gt;An example of a reason for this change is that if you wish to sell your house located in the Palos Verdes Peninsula at a certain desired price, you need to have it listed. However, when you finally take a look at the listing, you will notice a big discrepancy between the number of buyers and the number of sellers, with a higher number of the latter.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-best-real-estate-agent-in-the-south-bay" title=": The Top Real Estate agent in Rancho Palos Verdes and the South Bay" rel="bookmark"&gt;The Top Real Estate agent in Rancho Palos Verdes and the South Bay&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;Although there may indeed be an adequate number of people interested in buying property in the Palos Verdes Peninsula, the number of sellers vastly outnumbers them.&lt;/p&gt;
&lt;p&gt;Because of this difficult situation, if you want to close that sale, you need to take action. Seize the attention of a prospective buyer with the attractiveness of your listing and close the deal while it's hot.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/negotiate-to-close-in-the-palos-verdes-peninsula#more17006"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Wed, 03 Sep 2008 10:33:14 -0700</pubDate>
      <link>http://activerain.com/blogsview/672467/selling-property-in-the-palos-verdes-peninsula-here-are-five-tips-to-close-the-deal-</link>
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    <item>
      <guid>http://activerain.com/blogsview/672462/-what-is-the-difference-between-fha-and-conventional-home-loans-</guid>
      <title> What is the difference between FHA and Conventional Home Loans?</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/better-for-torrance-citizens-conventional-home-loans-or-fha-loans" title=": Better for Torrance Citizens: Conventional Home Loans or FHA Loans?" rel="bookmark"&gt;Better for Torrance Citizens: Conventional Home Loans or FHA Loans?&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;&amp;nbsp;What is the difference between FHA and Conventional Home Loans?&lt;img title="FHA or Conventional Loans" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0438392.jpg" height="174" alt="FHA or Conventional Loans" width="225"&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;When selecting a&lt;a href="http://www.ci.torrance.ca.us/" title="Torrance California"&gt; Torrance&lt;/a&gt; property, we all want the best possible deal, and for an example, look at your own home. &amp;nbsp;In the movie "&lt;a href="http://www.celebritywonder.com/movie/2003_Duplex.html"&gt;Duplex&lt;/a&gt;", Drew Barrymore and Ben Stiller debate many advantages and disadvantages before making the decision to remain in the property. That strategy must be utilized when you decide to purchase Torrance real estate.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&amp;nbsp; &lt;/strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-ca-american-dream-comes-true-with-fha-loans" title=": Torrance CA American Dream Comes True with FHA Loans"&gt;Torrance CA American Dream Comes True with FHA Loans&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;A place to live, no matter the type, is a major investment, and most consumers cannot afford to pay directly on the spot. This is where mortgages come into play, as they allow for payments over a period of time.&lt;/p&gt;
&lt;p&gt;Currently, someone purchasing property in Torrance California has two options. You can go with a &lt;a href="http://www.superpages.com/supertips/mortgage-conventional-loan.html"&gt;conventional loan&lt;/a&gt; or an &lt;a href="http://www.mtgprofessor.com/A%20-%20FHA/who_should_take_an_fha.htm"&gt;FHA home loan&lt;/a&gt;. To help make the decision simpler, the two will be compared.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-loan-readiness-for-those-looking-to-enter-the-torrance-real-estate-market" title=": Home Loan Readiness for Those Looking to Enter the Torrance Real Estate Market."&gt;Home Loan Readiness for Those Looking to Enter the Torrance Real Estate Market. &lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/better-for-torrance-citizens-conventional-home-loans-or-fha-loans#more17063"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Wed, 03 Sep 2008 10:31:45 -0700</pubDate>
      <link>http://activerain.com/blogsview/672462/-what-is-the-difference-between-fha-and-conventional-home-loans-</link>
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      <guid>http://activerain.com/blogsview/660384/torrance-house-values-affect-divorce-rate-</guid>
      <title>Torrance House Values Affect Divorce Rate </title>
      <description>&lt;p&gt;&lt;strong&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-house-values-affect-divorce-rate" title="Permanent link to full entry: Torrance House Values Affect Divorce Rate " rel="bookmark"&gt;Torrance House Values Affect Divorce Rate &lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;img title="Divorce and Real Estate" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/divorce.jpg" height="199" alt="Divorce and Real Estate" width="300" style="float: left; margin: 11px 22px;"&gt;Every Torrance homeowner knows&amp;nbsp;a quick glance at today's news will often result in some sort of information on the recent real estate crash.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Although some areas have avoided direct effects from the housing crash, the vast majority of locations have been affected in some way. Consequently, almost all homeowners have been hurt in some way from the collapse. Continuing with basic ways of life is becoming more of an issue due to the market fall. Specifically, many more couples are getting divorces as a result of the problems with the housing market.&lt;/p&gt;
&lt;p&gt;In &lt;strong&gt;Torrance&lt;/strong&gt; and elsewhere, it has become commonplace for divorcing couples to place their home on the market, split the proceeds, and begin their new lives alone. The problem is that with a huge supply and not much demand, these divorcees are having great difficulty selling their properties. If the house remains unsold, it greatly affects the couple's income. Certain areas, such as child support, are influenced by the home. Additionally, an unsold home can dictate where a divorcee is able to live, even after the divorce is final.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-house-values-affect-divorce-rate#more16627"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/palos-verdes-estate-craftsman-home-for-sale-new-construction" title="Permanent link to full entry: Palos Verdes Estate Craftsman home for sale: New Construction" rel="bookmark"&gt;&lt;/a&gt;&lt;/p&gt;
&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Tue, 26 Aug 2008 13:17:27 -0700</pubDate>
      <link>http://activerain.com/blogsview/660384/torrance-house-values-affect-divorce-rate-</link>
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      <guid>http://activerain.com/blogsview/660370/buy-property-from-the-bank-and-pocket-the-profits-in-hermosa-beach-</guid>
      <title>Buy property from the Bank and pocket the profits in Hermosa Beach!</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/buy-property-from-the-bank-and-pocket-the-profits-in-hermosa-beach" title="Permanent link to full entry: Buy property from the Bank and pocket the profits in Hermosa Beach!" rel="bookmark"&gt;Buy property from the Bank and pocket the profits in Hermosa Beach!&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Listen up Hermosa Beach CA! &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The daily newscasters and "&lt;a href="http://www.talking-heads.net/"&gt;talking heads&lt;/a&gt;" feature regular stories of the tragedy of &lt;a href="http://www.foreclosureradar.com/ca-foreclosure-report.php"&gt;foreclosures in California&lt;/a&gt;. &amp;nbsp;&amp;nbsp;Indeed, the rate of foreclosures is continuing to increase, partially driven by the financially illogical variable rate mortgages. With that said, if you are a financially savvy &lt;strong&gt;Hermosa Beach Real Estate Investor &lt;/strong&gt;with solid financials, this is a great time to capitalize upon these &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Distressed-Home-Sales"&gt;intriguing opportunities&lt;/a&gt;, especially in the form of REO properties.&lt;/p&gt;
&lt;p&gt;California Banks are in the business of lending money, not owning, managing, or selling real estate. However, oftentimes a bank is forced to foreclose on an investment, and a property reverts from an investment to Real Estate Owned, or REO.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Hermosa Beach Real estate investors&lt;/strong&gt; can purchase REO properties from banks for less than the full market value of the property, but in most cases, REO properties are sold by lenders at or just below market value. A smart Los Angeles investor will have a strong strategic plan for bidding on and financing a bank-owned property to get the best value.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/buy-property-from-the-bank-and-pocket-the-profits-in-hermosa-beach#more16824"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Tue, 26 Aug 2008 13:11:28 -0700</pubDate>
      <link>http://activerain.com/blogsview/660370/buy-property-from-the-bank-and-pocket-the-profits-in-hermosa-beach-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/660366/for-all-those-south-bay-frustrated-time-share-owners-</guid>
      <title>For all those South Bay Frustrated Time Share Owners....</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/for-all-those-south-bay-frustrated-time-share-owners" title="Permanent link to full entry: For all those South Bay Frustrated Time Share Owners...." rel="bookmark"&gt;For all those South Bay Frustrated Time Share Owners....&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;South Bay Real Estate Investing: Be Wise and Escape the Timeshare Trap&lt;img title="Time Shares" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0411731.jpg" height="146" alt="Time Shares" width="178" style="float: right; margin: 11px 22px;"&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you're new to real estate investing in the South Bay area, you should know that buying a &lt;a href="http://www.wisegeek.com/what-is-a-timeshare.htm"&gt;timeshare&lt;/a&gt; is one of the worst mistakes a real estate investor can make. In the beginning it seems like a fantastic idea. For a predetermined amount, which seems dirt cheap, you get the right to stay for free at a resort or holiday apartment.&lt;/p&gt;
&lt;p&gt;Usually the deal is that you get a couple of weeks out of every year. It sounds like a great bargain, considering how expensive hotels can be. This is precisely the reason why many people continue to fall for the &lt;a href="http://www.google.com/search?hl=en&amp;amp;rls=com.microsoft:*&amp;amp;defl=en&amp;amp;q=define:Timeshare&amp;amp;sa=X&amp;amp;oi=glossary_definition&amp;amp;ct=title"&gt;timeshare&lt;/a&gt; trap. It is only when they have been lured into signing the contract and giving up their hard-earned cash that they realize how completely they have been deceived.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/for-all-those-south-bay-frustrated-time-share-owners#more16907"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Tue, 26 Aug 2008 13:08:22 -0700</pubDate>
      <link>http://activerain.com/blogsview/660366/for-all-those-south-bay-frustrated-time-share-owners-</link>
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      <guid>http://activerain.com/blogsview/660356/understanding-real-estate-contracts-in-the-south-bay-</guid>
      <title>Understanding Real Estate Contracts in the South Bay </title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate-contracts" title="Permanent link to full entry: Understanding South Bay Real Estate Contracts" rel="bookmark"&gt;Understanding South Bay Real Estate Contracts&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;img title="Understanding South Bay Real Estate Contracts" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0284992.jpg" height="232" alt="Understanding South Bay Real Estate Contracts" width="153" style="float: left; margin: 11px 22px;"&gt;&lt;/p&gt;
&lt;p&gt;If you are looking to &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Real-Estate-Investers-and-Investments"&gt;invest your money&lt;/a&gt;, the real estate market is one market that is worth trying. That's because real estate investments values in the South Bay area are going up. But before you get carried away, it's important to note the many characteristics of investments like this. For starters, it's a complex process as it requires an understanding of some basic laws. But that should be the least of your concerns as an investor since there are California real estate lawyers you can turn to for help in legal matters.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Read Also:&lt;/strong&gt;&amp;nbsp; &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/buy-property-from-the-bank-and-pocket-the-profits-in-hermosa-beach" title="Permanent link to full entry: Buy property from the Bank and pocket the profits in Hermosa Beach!"&gt;Buy property from the Bank and pocket the profits in Hermosa Beach!&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;When you enter the South Bay real estate business, you will hear different terms. For instance, what the seasoned investors refer to as real estate transactions simply refer to the &lt;a href="http://www.dre.ca.gov/pub_referencebk.html"&gt;California Real Estate contracts&lt;/a&gt;. However, not all real estate transactions require a contract; a lease or rent, for instance, doesn't use these contracts. What needs contracts are the ones that are deemed permanent.&lt;/p&gt;
&lt;p&gt;Technically what is referred to as a real estate contract is one that is made between two parties. For it to be enforced, it needs to be in written and needs to comply with the contract law. So for a contract to be considered as legal and binding in the US, the two requirements must be satisfied.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate-contracts#more16932"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Tue, 26 Aug 2008 13:04:16 -0700</pubDate>
      <link>http://activerain.com/blogsview/660356/understanding-real-estate-contracts-in-the-south-bay-</link>
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      <guid>http://activerain.com/blogsview/658389/torrance-homeowner-warning-to-potential-for-sale-by-owner-</guid>
      <title>Torrance Homeowner - Warning to Potential For Sale By Owner </title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-for-sale-by-owner-aka-now-interviewing-realtors" title="Permanent link to full entry: Torrance For Sale By Owner: AKA now interviewing Realtors" rel="bookmark"&gt;Torrance For Sale By Owner: AKA now interviewing Realtors&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;&lt;img title="For Sale By Owner" src="http://activerain.com/image_store/uploads/8/8/9/5/5/ar121967783155988.jpg" height="212" alt="For Sale By Owner" width="338" style="float: left; margin: 11px 22px;"&gt;Torrance Homeowner - Warning to Potential For Sale By Owner &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you are looking to sell your &lt;strong&gt;Torrance CA home&lt;/strong&gt;, you may think that it would be better to try to sell the home yourself. &amp;nbsp;For sale by owner may sound like an appealing way to sell your &lt;strong&gt;Torrance home&lt;/strong&gt;. &amp;nbsp;&amp;nbsp;Just think of the money you could save!&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Just stick a sign out front&lt;/li&gt;
&lt;li&gt;Place an ad in the paper&lt;/li&gt;
&lt;li&gt;Host a couple of open houses&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;How difficult could it be?&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What does it take to get your Torrance home sold?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Let's talk about what you are getting into and why the commission you pay to an experienced &lt;a href="http://www.realtor.org/"&gt;Torrance Realtor&lt;/a&gt; may be worth every penny.&amp;nbsp; There are many things your Torrance Realtor will do for you.&amp;nbsp; In this highly competitive LA County Real Estate market, the first thirty days on the market are crucial to the successful sale of your &lt;strong&gt;Torrance home&lt;/strong&gt;.&amp;nbsp; After that interest wanes and your potential pool of buyers narrows.&amp;nbsp;&amp;nbsp; Many times For Sale By Owners do not even get consideration, buyers working with Realtors will wait it out until it is listed on the &lt;a href="http://en.wikipedia.org/wiki/Multiple_Listing_Service"&gt;MLS&lt;/a&gt;.&amp;nbsp;&amp;nbsp; It is just easier that way!&lt;/p&gt;
&lt;p&gt;The fee you pay to a &lt;a href="http://en.wikipedia.org/wiki/National_Association_of_Realtors"&gt;Realtor&lt;/a&gt; is earned by the work that they do.&amp;nbsp; They assume risk listing your &lt;strong&gt;Torrance home for sale&lt;/strong&gt; and you do not pay until they sell your home.&amp;nbsp;&amp;nbsp; You are actually getting services for that money paid to the Realtor.&amp;nbsp; An important thing to remember the Torrance market sets the value, not the Realtor.&amp;nbsp;&amp;nbsp; A Realtor will guide you through what is happening and assist you in gauging current value.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-for-sale-by-owner-aka-now-interviewing-realtors" title="For Sale By owner" target="_blank"&gt;Read more&amp;gt;&amp;gt;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Mon, 25 Aug 2008 10:25:13 -0700</pubDate>
      <link>http://activerain.com/blogsview/658389/torrance-homeowner-warning-to-potential-for-sale-by-owner-</link>
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      <guid>http://activerain.com/blogsview/658363/home-ownership-options-in-the-south-bay-area</guid>
      <title>Home Ownership Options in the South Bay Area</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area" title="Permanent link to full entry: Home Ownership Options in the South Bay Area" rel="bookmark"&gt;Home Ownership Options in the South Bay Area&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Thinking of Real Estate Ownership in the South Bay Area? &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title="Options to Home Ownership in the South Bay Area" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/j0396172_1.jpg" height="286" alt="Options to Home Ownership in the South Bay Area" width="190" style="float: right; margin: 11px 22px;"&gt;&lt;/p&gt;
&lt;p&gt;If you've always wanted to own a home in the South Bay area, in the one of the Beach Cities (&lt;a href="http://www.ci.manhattan-beach.ca.us/"&gt;Manhattan Beach&lt;/a&gt;, &lt;a href="http://www.hermosabch.org/"&gt;Hermosa Beach&lt;/a&gt; and &lt;a href="http://en.wikipedia.org/wiki/Redondo_Beach,_California"&gt;Redondo Beach&lt;/a&gt;) for instance, you can do just that through the rent to own home arrangement.&lt;/p&gt;
&lt;p&gt;What's a rent to own home arrangement in South Bay? It's similar to the rent to own car arrangement. In a rent to own car arrangement, you rent the car for a specified period. If you like the car during this period, you can proceed with purchasing the car.&lt;/p&gt;
&lt;p&gt;In the same vein, you can initially rent a South Bay area home. By actually living in the property, you can determine the actual conditions of the house prior to buying it. The benefit of the rent to own home arrangement is therefore a good way of investing in real estate.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;br&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;br&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area#more16889"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Mon, 25 Aug 2008 10:15:39 -0700</pubDate>
      <link>http://activerain.com/blogsview/658363/home-ownership-options-in-the-south-bay-area</link>
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      <guid>http://activerain.com/blogsview/658356/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase</guid>
      <title>The Value Your California Real Estate Attorney Brings to your Home Purchase</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase" title="Permanent link to full entry: The Value Your California Real Estate Attorney Brings to your Home Purchase" rel="bookmark"&gt;The Value Your California Real Estate Attorney Brings to your Home Purchase&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Having a Good Real Estate Lawyer Pays When You're In the Torrance Real Estate Business &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title="Importance of a good Real Estate Attorney" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/real%20estate%20law.JPG" height="150" alt="Importance of a good Real Estate Attorney" width="225" style="float: left; margin: 11px 22px;"&gt;If you are in the business of real estate in the Torrance area, it presupposes that you have at your service an all-around &lt;a href="http://members.calbar.ca.gov/search/member.aspx"&gt;California real estate lawyer&lt;/a&gt; who is good and flexible enough to make any situation to work for you. Your real estate lawyer not only craftily troubleshoots any of your business problems but also perfectly handles the myriad needs of property owners and tenants. After all, his responsibilities extend to as far as attending to the rudiments required when your Torrance properties are damaged or when ill-fortuned events occur on someone's property.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Will a Real Estate Lawyer Do for You? &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Your &lt;a href="http://california.lp.findlaw.com/"&gt;California real estate lawyer&lt;/a&gt; is the person behind the scene whenever a mortgage company is to be put on sale, sold, and the terms agreed on by the parties involved. When somebody wants to have a lien released or you want to free yourself from a signed contract, it is your real estate lawyer's expertise that clears out the picture. In the same way, if a property owner in &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Redondo-Beach-Homes"&gt;Redondo Beach&lt;/a&gt;, for instance, wants to have payment terms increased even before the agreed upon period, your real estate lawyer haggles with the tenant on the new terms and avoids putting you as owner under bad light.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase#more16891"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Mon, 25 Aug 2008 10:13:29 -0700</pubDate>
      <link>http://activerain.com/blogsview/658356/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/658343/turn-your-torrance-second-home-into-a-vacation-rental</guid>
      <title>Turn your Torrance Second Home into a Vacation Rental</title>
      <description>&lt;table border="0"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/turn-your-torrance-second-home-into-a-vacation-rental" title="Permanent link to full entry: Turn your Torrance Second Home into a Vacation Rental" rel="bookmark"&gt;Turn your Torrance Second Home into a Vacation Rental&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Savvy Torrance Real Estate Investing: Turn Your Second Home into a Vacation Home and Rent It Out&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;img title="Sand Dollar" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/sand%20dollar.jpg" height="166" alt="Sand Dollar" width="200"&gt;The idea of acquiring a &lt;a href="http://www.realestatejournal.com/secondhomes/"&gt;second home&lt;/a&gt; has grown more popular over the last few years. In fact, the American real estate business has benefited from the fact that nearly four in ten investments are being made by individuals who want to own their second home.&lt;/p&gt;
&lt;p&gt;Often, second homes are located in pristine, picturesque locations, such as the &lt;a href="http://www.hellotorrance.com/"&gt;Torrance&lt;/a&gt; in the &lt;a href="http://en.wikipedia.org/wiki/South_Bay,_Los_Angeles"&gt;South Bay&lt;/a&gt; area of Los Angeles California, &amp;nbsp;that provide their owners a retreat from the whirlwind fatigue of city life. However, for most part of the year, these homes are often empty and left unused.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Second Homes: Another Source of Income&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;You can generate income from your second home in &lt;a href="http://en.wikipedia.org/wiki/Torrance,_California"&gt;Torrance California&lt;/a&gt; whenever you are not using it. This is truest, of course, should your home be located in your favorite vacation location in the Torrance area. This means that there must be some season when tourists flock to that location, and when you can take advantage of owning a second home in that Torrance area.&lt;/p&gt;
&lt;p style="text-align: right;"&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/turn-your-torrance-second-home-into-a-vacation-rental#more16911"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Past Articles&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/short-sales-foreclosures" title="Permanent link to 'Torrance California Short Sales - Is it right for you?'"&gt;Torrance California Short Sales - Is it right for you?&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/turn-your-torrance-second-home-into-a-vacation-rental" title="Permanent link to 'Turn your Torrance Second Home into a Vacation Rental'"&gt;Turn your Torrance Second Home into a Vacation Rental&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase" title="Permanent link to 'The Value Your California Real Estate Attorney Brings to your Home Purchase'"&gt;The Value Your California Real Estate Attorney Brings to your Home Purchase&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area" title="Permanent link to 'Home Ownership Options in the South Bay Area'"&gt;Home Ownership Options in the South Bay Area&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-california-va-home-foreclosures" title="Permanent link to 'Torrance California VA Home Foreclosures'"&gt;Torrance California VA Home Foreclosures&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/stop-my-foreclosure-in-rolling-hills" title="Permanent link to 'Stop My Foreclosure in Rolling Hills!'"&gt;Stop My Foreclosure in Rolling Hills!&lt;/a&gt;&lt;/li&gt;
&lt;/ul&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Mon, 25 Aug 2008 10:11:22 -0700</pubDate>
      <link>http://activerain.com/blogsview/658343/turn-your-torrance-second-home-into-a-vacation-rental</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/658334/torrance-california-short-sales-is-it-right-for-you-</guid>
      <title>Torrance California Short Sales - Is it right for you?</title>
      <description>&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/short-sales-foreclosures" title="Permanent link to full entry: Torrance California Short Sales - Is it right for you?" rel="bookmark"&gt;Torrance California Short Sales - Is it right for you?&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;img title="Torrance California Foreclosure" src="http://www.manhattanbeachrealestateredondobeachhomes.com/wp-content/uploads/blogs/ryanrockwood/Foreclosure%20sign.jpg" height="150" alt="Foreclosure in Torrance California" width="225" style="float: right; margin: 11px 22px;"&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What is Torrance Property Foreclosure?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Due to the prevailing economic slips in the country, a lot of businesses have been hit with huge slaps of losses. One of the businesses affected in &lt;strong&gt;Torrance California&lt;/strong&gt; is real estate. There has been a tremendous three-fold increase in the &lt;a href="http://www.marketwatch.com/news/story/new-era-real-estate-foreclosure/story.aspx?guid=%7BAC00C6AD-290A-4513-8B52-19F8E7B0094A%7D&amp;amp;dist=hppr"&gt;foreclosure of properties&lt;/a&gt; in America now and because of that, the condition has been considered an epidemic.&lt;/p&gt;
&lt;p&gt;Many houses in the &lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate/Torrance-Homes"&gt;Torrance area&lt;/a&gt; and cities across the country are up for foreclosure. Because of this crisis, a new kind of business emerged - that which&amp;nbsp;Short&amp;nbsp;Sale properties. Short selling of a property is something landowners should clearly understand first before they hop onto it since knowledge of the method or lack of it will spell out profit or loss for the property owner.&lt;/p&gt;
&lt;p&gt;Many advertisements about addressing foreclosures are now splattered on billboards and online forums, this may seem to be interesting to so many and a lot may get very curious about it.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/short-sales-foreclosures#more16919"&gt;Read more &amp;raquo;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/torrance-for-sale-by-owner-aka-now-interviewing-realtors" title="Permanent link to full entry: Torrance For Sale By Owner: AKA now interviewing Realtors" rel="bookmark"&gt;Torrance For Sale By Owner: AKA now interviewing Realtors&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/home-ownership-options-in-the-south-bay-area" title="Permanent link to full entry: Home Ownership Options in the South Bay Area" rel="bookmark"&gt;Home Ownership Options in the South Bay Area&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/someone-died-in-the-house-what-now" title="Permanent link to full entry: Someone Died in the House, What Now?" rel="bookmark"&gt;Someone Died in the House, What Now?&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/ranch-palos-verdes-foreclosure-home-for-sale" title="Permanent link to full entry: Ranch Palos Verdes Foreclosure Home for Sale" rel="bookmark"&gt;Ranch Palos Verdes Foreclosure Home for Sale&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/mls-map" title="Permanent link to full entry: Now you can own the ultimate MLS map of the South Bay, available exclusively to Realtors!" rel="bookmark"&gt;Now you can own the ultimate MLS map of the South Bay, available exclusively to Realtors!&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/the-value-your-california-real-estate-attorney-brings-to-your-home-purchase" title="Permanent link to full entry: The Value Your California Real Estate Attorney Brings to your Home Purchase" rel="bookmark"&gt;The Value Your California Real Estate Attorney Brings to your Home Purchase&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/rolling-hills-estates-ranch-style-home-for-sale-handheld-video-for-home-buyers" title="Permanent link to full entry: Rolling Hills Estates Ranch style Home for Sale: Handheld video for home buyers" rel="bookmark"&gt;Rolling Hills Estates Ranch style Home for Sale: Handheld video for home buyers&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/real-estate-agent" title="Permanent link to full entry: Find the Best Real Estate Agent to Buy or Sell your Home" rel="bookmark"&gt;Find the Best Real Estate Agent to Buy or Sell your Home&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/oprah-to-halle-barry-the-inside-scoop-on-how-and-where-they-live" title="Permanent link to full entry: Oprah to Halle Barry: The inside scoop on how and where they live" rel="bookmark"&gt;Oprah to Halle Barry: The inside scoop on how and where they live&lt;/a&gt; &lt;/li&gt;
&lt;li&gt;
&lt;a href="http://www.manhattanbeachrealestateredondobeachhomes.com/san-pedro-forum-more-heat-than-light" title="Permanent link to full entry: San Pedro forum more heat than light" rel="bookmark"&gt;San Pedro forum more heat than light&lt;/a&gt; &lt;/li&gt;
&lt;/ol&gt;</description>
      <dc:creator>Ryan "Rocky" Rockwood (Keller Williams Palos Verdes)</dc:creator>
      <pubDate>Mon, 25 Aug 2008 10:08:37 -0700</pubDate>
      <link>http://activerain.com/blogsview/658334/torrance-california-short-sales-is-it-right-for-you-</link>
    </item>
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