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	<title>California Home Strategies&#187; California Home Strategies &#8211; Buying a home feels like surgery without anesthesia!</title>
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	<description>Real Estate Finance Strategies We All Can Understand</description>
	<lastBuildDate>Sat, 20 Mar 2010 17:52:40 +0000</lastBuildDate>
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		<title>Buying a home feels like surgery without anesthesia!</title>
		<link>http://cahomestrategies.com/buying-a-home-feels-like-surgery-without-anesthesia/</link>
		<comments>http://cahomestrategies.com/buying-a-home-feels-like-surgery-without-anesthesia/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 00:11:09 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Anesthesia]]></category>
		<category><![CDATA[Doctors]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Painful]]></category>
		<category><![CDATA[Sacramento Lender]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=767</guid>
		<description><![CDATA[Home Mortgages are a royal pain in the b$%#! But they have all the reason to be. Tips to make it a little easier on yourself! It can be easier if we work together.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pre-approvals require commitment and documentation. It Matters!</title>
		<link>http://cahomestrategies.com/pre-approvals-require-commitment-and-documentation-it-matters/</link>
		<comments>http://cahomestrategies.com/pre-approvals-require-commitment-and-documentation-it-matters/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 20:18:37 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Pre-approval]]></category>
		<category><![CDATA[Pre-qual]]></category>
		<category><![CDATA[Sacramento Lending]]></category>
		<category><![CDATA[Sacramento Mortgage]]></category>
		<category><![CDATA[Santa Rosa Lending]]></category>
		<category><![CDATA[Santa Rosa Mortgage]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=761</guid>
		<description><![CDATA[Pre-approvals today require a commitment from the buyer. If you want to have solid financing in place you will have to do some work. It is worth it!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>President&#8217;s Day Push</title>
		<link>http://cahomestrategies.com/presidents-day-push/</link>
		<comments>http://cahomestrategies.com/presidents-day-push/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 22:34:42 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Sacramento Lender]]></category>
		<category><![CDATA[Sacramento Mortgages]]></category>
		<category><![CDATA[Sonoma County Mortgages]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=759</guid>
		<description><![CDATA[In my opinion rates will rise after the tax credit and when the FED pulls out of the treasury market. What are you waiting for? Get off the fence! ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Ch Ch Ch Changes!!! This time for the better!</title>
		<link>http://cahomestrategies.com/ch-ch-ch-changes-this-time-for-the-better/</link>
		<comments>http://cahomestrategies.com/ch-ch-ch-changes-this-time-for-the-better/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 22:48:24 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[CPA]]></category>
		<category><![CDATA[Financial Planners]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[Placer Mortgages]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Sacramento Lending]]></category>
		<category><![CDATA[Sacramento Mortgages]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=755</guid>
		<description><![CDATA[5 Reasons I can help you grow your business and close the business you have in 2010 with less Headaches! It is time to experience the change for good!]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Efficient Lenders Needed! Reason #1 on how my team can help!</title>
		<link>http://cahomestrategies.com/efficient-lenders-needed-reason-1-on-how-my-team-can-help/</link>
		<comments>http://cahomestrategies.com/efficient-lenders-needed-reason-1-on-how-my-team-can-help/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 20:47:21 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Loan Officers]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[New Business]]></category>
		<category><![CDATA[Realtors]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=752</guid>
		<description><![CDATA[Increase your business in 2010 through efficiency with Matt Freeman's Lending Team. 5 Reasons why we can help your business Grow. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>FHA Update and More! Video Blog!</title>
		<link>http://cahomestrategies.com/fha-update-and-more-video-blog/</link>
		<comments>http://cahomestrategies.com/fha-update-and-more-video-blog/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 20:58:50 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[90 Day Rule]]></category>
		<category><![CDATA[Capitol Mortgage]]></category>
		<category><![CDATA[Detrimental Dialogue]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Flipping]]></category>
		<category><![CDATA[Investors]]></category>
		<category><![CDATA[Processing]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=748</guid>
		<description><![CDATA[FHA Changes to the Flipping and some business model changes described here. Make it a great 2010. ]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>90 Day Anti-Flipping policy is waived for one year by HUD!</title>
		<link>http://cahomestrategies.com/90-day-anti-flipping-policy-is-waived-for-one-year-by-hud/</link>
		<comments>http://cahomestrategies.com/90-day-anti-flipping-policy-is-waived-for-one-year-by-hud/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 20:13:12 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[90 Day Flipping Policy]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Investors]]></category>
		<category><![CDATA[Resale]]></category>
		<category><![CDATA[Waiver]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=744</guid>
		<description><![CDATA[HUD has waived the 90 day anti-flipping policy for one year effective February 1st. There are a few restrictions so make sure to read them here!]]></description>
		<wfw:commentRss>http://cahomestrategies.com/90-day-anti-flipping-policy-is-waived-for-one-year-by-hud/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Business Partner Spotlight!</title>
		<link>http://cahomestrategies.com/business-partner-spotlight/</link>
		<comments>http://cahomestrategies.com/business-partner-spotlight/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 18:11:52 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Business Partners]]></category>
		<category><![CDATA[David Pabalate]]></category>
		<category><![CDATA[Farmer's Insurance]]></category>
		<category><![CDATA[Local Professionals]]></category>
		<category><![CDATA[Marguerite Crespillo]]></category>
		<category><![CDATA[Member Spotlight]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Sell State Realty First]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=736</guid>
		<description><![CDATA[Business Partner Spotlight is a unique interview like post to help you get to know local professionals that are much more than just business owners!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HUD Postpones Implementation of HVCC for FHA</title>
		<link>http://cahomestrategies.com/hud-postpones-implementation-of-hvcc-for-fha/</link>
		<comments>http://cahomestrategies.com/hud-postpones-implementation-of-hvcc-for-fha/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 19:14:26 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[FHA Appraisal]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[HVCC]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=733</guid>
		<description><![CDATA[HUD Postpones HVCC Implementation until February 15th, 2010. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good Faith Exactimate, Merry Christmas and Happy New Year:)</title>
		<link>http://cahomestrategies.com/good-faith-exactimate-merry-christmas-and-happy-new-year/</link>
		<comments>http://cahomestrategies.com/good-faith-exactimate-merry-christmas-and-happy-new-year/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 01:36:41 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[2010]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Good Faith Exactimate]]></category>
		<category><![CDATA[January 1st]]></category>
		<category><![CDATA[Merry Christmas]]></category>
		<category><![CDATA[New Years]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=731</guid>
		<description><![CDATA[Good Faith Estimate is changing soon. It is becoming an Exactimate. Merry Christmas, Happy New Year and be prepared. January 1st, 2010. ]]></description>
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