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	<title>Chico Home Blog</title>
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	<link>http://www.chicohomeblog.com</link>
	<description>Real estate, finance and fun   &#124;   Feed your curiosity</description>
	<lastBuildDate>Fri, 30 Oct 2009 15:09:10 +0000</lastBuildDate>
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		<title>A word of caution</title>
		<link>http://www.chicohomeblog.com/index.php/2009/10/30/a-word-of-caution/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/10/30/a-word-of-caution/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 15:09:10 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Home mortgages]]></category>
		<category><![CDATA[bank changes]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[loan servicing]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=668</guid>
		<description><![CDATA[In our world of  merging and morphing banks, it is common for existing loans to change hands, sometimes more than once.
 
You may get a letter in the mail telling you that your loan servicer will be changing, and giving you instructions on where to send your next payment.
 
A word of caution. There are scammers out [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A flood of new real estate laws</title>
		<link>http://www.chicohomeblog.com/index.php/2009/10/22/a-flood-of-new-real-estate-laws/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/10/22/a-flood-of-new-real-estate-laws/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 13:55:23 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Housing market]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[escrow]]></category>
		<category><![CDATA[real estate laws]]></category>
		<category><![CDATA[title]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=652</guid>
		<description><![CDATA[I remember years ago a statement made by a speaker on real estate legal issues:
&#8220;On average, there is one new law every year in the real estate industry. If they skip a year, they will make up for it with two the following year.&#8221; This was his explanation of why Realtors needed constant training.
Now, we are seeing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When buying a house, freeze your spending</title>
		<link>http://www.chicohomeblog.com/index.php/2009/09/30/when-buying-a-house-freeze-your-spending/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/09/30/when-buying-a-house-freeze-your-spending/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 20:16:42 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Home buyer tip]]></category>
		<category><![CDATA[Home mortgages]]></category>
		<category><![CDATA[Other]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home mortgages]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=646</guid>
		<description><![CDATA[When you are in escrow on a home, don’t buy anything big! Or medium big. Pretty much freeze everything until your escrow is closed. Sounds simple enough. 
Yet if not given this warning, many excited new home buyers will go out and buy furniture for the new home. Maybe use one of those “no payments [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Today&#8217;s housing market is very different</title>
		<link>http://www.chicohomeblog.com/index.php/2009/09/23/todays-housing-market-is-very-different/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/09/23/todays-housing-market-is-very-different/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 01:23:34 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Good to know]]></category>
		<category><![CDATA[Housing market]]></category>
		<category><![CDATA[Questions before you buy a house]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[8000]]></category>
		<category><![CDATA[chico]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[tax credits]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=643</guid>
		<description><![CDATA[A few years ago, a first time home buyer was able to buy their dream home on the first go-round. Even if it was a little too expensive, they could stretch into a loan to pay for it. For some it worked out, but for many it has led to disaster.
 In today’s market, a buyer has [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Californians may face taxes on short sales, foreclosures</title>
		<link>http://www.chicohomeblog.com/index.php/2009/09/09/634/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/09/09/634/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 04:45:12 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Other]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[california tax]]></category>
		<category><![CDATA[chico]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[deed in lieu]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[state tax]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=634</guid>
		<description><![CDATA[
A recent article in the San Francisco Chronicle reminds us that Californians who lose their homes in a foreclosure, short-sale, or deed-in-lieu of foreclosure this year could be hit with a state income tax on canceled or forgiven debt.
The state did agree to follow the federal guidelines of  not taxing the phantom income for 2008, but as [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>First time home buyers-don&#8217;t delay!</title>
		<link>http://www.chicohomeblog.com/index.php/2009/08/27/first-time-home-buyers-dont-delay/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/08/27/first-time-home-buyers-dont-delay/#comments</comments>
		<pubDate>Fri, 28 Aug 2009 00:33:32 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Home mortgages]]></category>
		<category><![CDATA[Home prices]]></category>
		<category><![CDATA[Household tips]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=632</guid>
		<description><![CDATA[
Watching and waiting has been the norm for home buyers in Chico, California.  With the constant news of numerous foreclosures in California, it seems the prudent thing to do.
But for homebuyers that want that first home in Chico, it is becoming more difficult. My clients that are looking for a home under $225,000 are finding slim pickings. And [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>There is more to green renovation than dual pane windows</title>
		<link>http://www.chicohomeblog.com/index.php/2009/08/19/there-is-more-to-green-renovation-than-dual-pane-windows/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/08/19/there-is-more-to-green-renovation-than-dual-pane-windows/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 01:56:10 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Energy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Good to know]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[chico]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[renovation]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=629</guid>
		<description><![CDATA[
In this era of REO’s and short sales, I am seeing more home renovations on a budget.
When people think of updating an older home to make it more “green” -they often think of insulation and  dual pane windows. These are things that will make the home more energy efficient.
But what about the renovation itself.  Are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t give up hope on your loan</title>
		<link>http://www.chicohomeblog.com/index.php/2009/08/13/dont-give-up-hope-on-your-loan/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/08/13/dont-give-up-hope-on-your-loan/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 16:14:37 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Other]]></category>
		<category><![CDATA[chico]]></category>
		<category><![CDATA[chico real estate]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[home mortgages]]></category>
		<category><![CDATA[mortgage relief]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=627</guid>
		<description><![CDATA[We are seeing weekly, if not daily, changes in the way the government and lenders are dealing with the housing crisis. What was true yesterday may not be true today. 
If you contacted your lender about a loan modification in the past, try again. And again a month or so later. You may find that the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Breaking News Network awarded as Most Innovative</title>
		<link>http://www.chicohomeblog.com/index.php/2009/08/07/chico-breaking-news-awarded-as-most-innovative/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/08/07/chico-breaking-news-awarded-as-most-innovative/#comments</comments>
		<pubDate>Fri, 07 Aug 2009 19:23:36 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Other]]></category>
		<category><![CDATA[chico breaking news]]></category>
		<category><![CDATA[chico news]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=623</guid>
		<description><![CDATA[Inman has just awarded the city breaking news sites an award for the Most Innovative Media Site. Chico Breaking News was one of the first sites running.
Chico Breaking News is a site that is fed by both news sources and individuals.  You can contribute news and information alongside conventional news sources.
Check out www.chicobreakingnews.com and see what [...]]]></description>
		<wfw:commentRss>http://www.chicohomeblog.com/index.php/2009/08/07/chico-breaking-news-awarded-as-most-innovative/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate trends are hyper-local</title>
		<link>http://www.chicohomeblog.com/index.php/2009/08/05/real-estate-trends-are-hyper-local/</link>
		<comments>http://www.chicohomeblog.com/index.php/2009/08/05/real-estate-trends-are-hyper-local/#comments</comments>
		<pubDate>Wed, 05 Aug 2009 21:03:15 +0000</pubDate>
		<dc:creator>Debbie Brodie</dc:creator>
				<category><![CDATA[Good to know]]></category>
		<category><![CDATA[Home buyer tip]]></category>
		<category><![CDATA[Home prices]]></category>
		<category><![CDATA[Housing market]]></category>
		<category><![CDATA[Questions before you buy a house]]></category>
		<category><![CDATA[Questions before you sell a house]]></category>
		<category><![CDATA[Real Estate trends are hyper-local]]></category>

		<guid isPermaLink="false">http://www.chicohomeblog.com/?p=604</guid>
		<description><![CDATA[Everyone wants an easy way to find out the current value of their property.
They can go onto web sites such as zillow.com and get a &#8220;zestimate,&#8221; but these numbers can be off by $100,000 or more in either direction. I have experimented on several homes, and have yet to find a zestimate that is right [...]]]></description>
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		<slash:comments>0</slash:comments>
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