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	<title>California Home Strategies&#187; California Home Strategies- My new house for Christmas!</title>
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	<description>Real Estate Finance Strategies We All Can Understand</description>
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		<title>My new house for Christmas!</title>
		<link>http://cahomestrategies.com/my-new-house-for-christmas/</link>
		<comments>http://cahomestrategies.com/my-new-house-for-christmas/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 22:23:04 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Christmas]]></category>
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		<category><![CDATA[New Home]]></category>
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		<category><![CDATA[Veterans Day]]></category>

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		<description><![CDATA[Consider buying during the historical slow time in Real Estate. Maybe the competition will take a break and leave an opening for you. ]]></description>
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		<title>25% Gross Income. Don&#8217;t become a Jones!</title>
		<link>http://cahomestrategies.com/25-gross-income-dont-become-a-jones/</link>
		<comments>http://cahomestrategies.com/25-gross-income-dont-become-a-jones/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 01:16:55 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt to Income]]></category>
		<category><![CDATA[DTI]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Housing Ratio]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[Housing Ratios in California are out of control. Yes even today they are more than they should be. Check your Budget and set yourself up for success. ]]></description>
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		<title>Changes coming on December 12th by Fannie Mae</title>
		<link>http://cahomestrategies.com/changes-coming-on-december-12th-by-fannie-mae/</link>
		<comments>http://cahomestrategies.com/changes-coming-on-december-12th-by-fannie-mae/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 21:01:56 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[2009]]></category>
		<category><![CDATA[December 12th]]></category>
		<category><![CDATA[Desktop Underwriter]]></category>
		<category><![CDATA[Fannie Mae]]></category>
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		<category><![CDATA[Qualifications]]></category>
		<category><![CDATA[Your Purchase]]></category>

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		<description><![CDATA[Realtors, Loan Officers, and Buyers please note Fannie Mae changes that may affect Qualifications for a Mortgage Loan. ]]></description>
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		<title>Are you sitting on the fence? 3 reasons why it may cost you.</title>
		<link>http://cahomestrategies.com/are-you-sitting-on-the-fence-3-reasons-why-it-may-cost-you/</link>
		<comments>http://cahomestrategies.com/are-you-sitting-on-the-fence-3-reasons-why-it-may-cost-you/#comments</comments>
		<pubDate>Wed, 22 Jul 2009 19:37:34 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Fence Sitting]]></category>
		<category><![CDATA[FTHB]]></category>
		<category><![CDATA[Moving]]></category>
		<category><![CDATA[Purchase]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=445</guid>
		<description><![CDATA[Getting off the fence and into the market just may be the best decision you ever made. ]]></description>
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		<title>Recurring vs. Non-Recurring Closing Costs!</title>
		<link>http://cahomestrategies.com/recurring-vs-non-recurring-closing-costs/</link>
		<comments>http://cahomestrategies.com/recurring-vs-non-recurring-closing-costs/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 00:19:13 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Cash]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Non-recurring closing costs]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[recurring costs]]></category>

		<guid isPermaLink="false">http://cahomestrategies.com/?p=509</guid>
		<description><![CDATA[Recurring Costs vs. Nonrecurring Closing costs for your Home Loan. There is a difference and you should know. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>10 Benefits a Great Realtor will add to your Purchase Experience!</title>
		<link>http://cahomestrategies.com/10-benefits-a-great-realtor-will-add-to-your-purchase-experience/</link>
		<comments>http://cahomestrategies.com/10-benefits-a-great-realtor-will-add-to-your-purchase-experience/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 20:52:35 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[CAR]]></category>
		<category><![CDATA[NAR]]></category>
		<category><![CDATA[Placer County Realtors]]></category>
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		<category><![CDATA[Roseville California Home Purchase]]></category>
		<category><![CDATA[Sonoma County Home Purchase]]></category>
		<category><![CDATA[Sonoma County Realtors]]></category>

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		<description><![CDATA[Real Estate Agents are experienced professionals trained to make your dream of Homeownership a Reality. One Hire you won't regret. ]]></description>
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		<title>Mortgage Locks: Certainly Uncertain! 3 Tips on locking your Mortgage.</title>
		<link>http://cahomestrategies.com/mortgage-locks-certainly-uncertain-3-tips-on-locking-your-mortgage/</link>
		<comments>http://cahomestrategies.com/mortgage-locks-certainly-uncertain-3-tips-on-locking-your-mortgage/#comments</comments>
		<pubDate>Tue, 31 Mar 2009 18:02:21 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Home Financing]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Rate Lock]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[Stimulus Package]]></category>

		<guid isPermaLink="false">http://mattfreeman.wordpress.com/?p=103</guid>
		<description><![CDATA[Tips to locking your Mortgage.]]></description>
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		<title>The 8 stages to homeownership. An illustrative guide for buyers</title>
		<link>http://cahomestrategies.com/the-8-stages-to-homeownership-an-illustrative-guide-for-buyers/</link>
		<comments>http://cahomestrategies.com/the-8-stages-to-homeownership-an-illustrative-guide-for-buyers/#comments</comments>
		<pubDate>Thu, 12 Mar 2009 20:47:28 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Guide]]></category>
		<category><![CDATA[Homeowner]]></category>
		<category><![CDATA[Homeownership]]></category>
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		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Real Estate]]></category>
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		<category><![CDATA[Stages]]></category>

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		<description><![CDATA[Many buyers can become confused or overwhelmed with the entire process. This guide was created to help buyers have an understanding of the process.]]></description>
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		<slash:comments>9</slash:comments>
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		<title>Home Purchase:How to Survive your 30 day escrow</title>
		<link>http://cahomestrategies.com/home-purchasehow-to-survive-your-30-day-escrow/</link>
		<comments>http://cahomestrategies.com/home-purchasehow-to-survive-your-30-day-escrow/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 19:34:56 +0000</pubDate>
		<dc:creator>Matt Freeman</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[30 days]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Contract]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Home Purchase]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Purchase Money]]></category>
		<category><![CDATA[Survive]]></category>

		<guid isPermaLink="false">http://mattfreeman.wordpress.com/?p=48</guid>
		<description><![CDATA[The market is phenomenal and the opportunity to buy a home is now. Many of you are taking advantage of the opportunity and that is amazing. Warren Buffet said, &#8220;We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.&#8220;  Many of you are listening. The time-line [...]]]></description>
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