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	<title>Picture Perfect San Diego &#187; Interest Rates</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
	<lastBuildDate>Thu, 29 Jul 2010 21:51:37 +0000</lastBuildDate>
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		<title>Sizzling Summer To Coincide With Sizzling Selling Season</title>
		<link>http://pictureperfectsandiego.com/2010/04/08/sizzling-summer-to-coincide-with-sizzling-selling-season/</link>
		<comments>http://pictureperfectsandiego.com/2010/04/08/sizzling-summer-to-coincide-with-sizzling-selling-season/#comments</comments>
		<pubDate>Thu, 08 Apr 2010 21:07:58 +0000</pubDate>
		<dc:creator>Dee Marie Fisher</dc:creator>
				<category><![CDATA[Area Information]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[san diego home prices]]></category>
		<category><![CDATA[san diego real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=11223</guid>
		<description><![CDATA[Will Home Prices Go Up or Down this Summer?]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Affordable Loans for California Public Schools Emplyoees &#8211; Get the Facts</title>
		<link>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/</link>
		<comments>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 19:40:26 +0000</pubDate>
		<dc:creator>Diane White</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[beneftis for teachers. school employee benefits]]></category>
		<category><![CDATA[buying a home in San Diego]]></category>
		<category><![CDATA[CALSTRS]]></category>
		<category><![CDATA[Diane White]]></category>
		<category><![CDATA[federal tax credit]]></category>
		<category><![CDATA[first time home buyer tax credit]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[loan for california pulic school employees]]></category>
		<category><![CDATA[loans for california teachers]]></category>
		<category><![CDATA[san diego real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=11141</guid>
		<description><![CDATA[
Do you work for,  or have worked in the past, the California Public School System?   If so you are most likely eligible for the CalSTRS 80/17 Loan.
Some of the highlights of this program are:

3% down payment
It is a 30 year fixed interest loan broken into two loans:
1st is for 80%
2nd is for 17%  
2nd loan is at same interest rate as [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/04/02/affordable-loans-for-california-public-schools-emplyoees-get-the-facts/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Home Loans &#8211; Credit Requirements</title>
		<link>http://pictureperfectsandiego.com/2010/02/24/fha-home-loans-credit-requirements/</link>
		<comments>http://pictureperfectsandiego.com/2010/02/24/fha-home-loans-credit-requirements/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 18:04:42 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=10665</guid>
		<description><![CDATA[This is the second in a series of four posts that deal with important aspects of FHA financing.  The first post provided an overview of the program.  This post will detail the credit requirements necessary to obtain an FHA home loan.
Traditional Credit History
This describes the typical credit history that most people tend to establish over [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Loans – The Basic 203(b) Home Loan</title>
		<link>http://pictureperfectsandiego.com/2010/02/12/fha-loans-%e2%80%93-the-basic-203b-home-loan/</link>
		<comments>http://pictureperfectsandiego.com/2010/02/12/fha-loans-%e2%80%93-the-basic-203b-home-loan/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 21:11:50 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Condos & Townhomes]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=10599</guid>
		<description><![CDATA[This post will be the first of four brief articles covering the most important aspects of what has become the darling of the real estate market – the venerable FHA home loan.
Established in 1934, the Federal Housing Administration, as stated on its website “….  has served as an economic backstop working hand-in-hand with lenders to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why NOW May be the Best Time to Sell Your Home</title>
		<link>http://pictureperfectsandiego.com/2010/01/01/why-now-may-be-the-best-time-to-sell-your-home/</link>
		<comments>http://pictureperfectsandiego.com/2010/01/01/why-now-may-be-the-best-time-to-sell-your-home/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 19:17:33 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Great Real Estate Deals]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[rachel lamar]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[buyer tax credit]]></category>
		<category><![CDATA[san diego real estate]]></category>
		<category><![CDATA[seller's market]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9935</guid>
		<description><![CDATA[Happy New Year! I wanted to discuss an important issue that could effect buyers and sellers this year. There have been many articles out there lately about what will happen to the housing market in 2010, and many contradict each other. Some say the market will stabilize and start to climb, others that the bottom [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2010/01/01/why-now-may-be-the-best-time-to-sell-your-home/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Finding And Buying A Home With Help From An Expert In Real Estate</title>
		<link>http://pictureperfectsandiego.com/2009/11/25/finding-and-buying-a-home-with-help-from-an-expert-in-real-estate/</link>
		<comments>http://pictureperfectsandiego.com/2009/11/25/finding-and-buying-a-home-with-help-from-an-expert-in-real-estate/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 23:43:38 +0000</pubDate>
		<dc:creator>mdobson</dc:creator>
				<category><![CDATA[Area Information]]></category>
		<category><![CDATA[Area Statistics]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Condos & Townhomes]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Find A Home]]></category>
		<category><![CDATA[Great Real Estate Deals]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Properties]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[expert in Real Estate]]></category>
		<category><![CDATA[Finding a home]]></category>
		<category><![CDATA[Help Buying a home]]></category>
		<category><![CDATA[Help finding a home]]></category>
		<category><![CDATA[Homes in Escondido]]></category>
		<category><![CDATA[Homes in Rancho Bernardo]]></category>
		<category><![CDATA[The Right Tools to find a home]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9082</guid>
		<description><![CDATA[Media doesn&#8217;t agree when it comes to the current housing market and it seems that are no answers that make you the buyer comfortable with making a purchase&#8230;.working with an expert in Real Estate will get you the right answers!

 
 
I am here to help you start your search for your home and find [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/11/25/finding-and-buying-a-home-with-help-from-an-expert-in-real-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Does It Makes Sense to Refinance?</title>
		<link>http://pictureperfectsandiego.com/2009/10/30/when-does-it-makes-sense-to-refinance/</link>
		<comments>http://pictureperfectsandiego.com/2009/10/30/when-does-it-makes-sense-to-refinance/#comments</comments>
		<pubDate>Sat, 31 Oct 2009 03:35:05 +0000</pubDate>
		<dc:creator>Paul Gonzales</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[best mortgage rates in san diego]]></category>
		<category><![CDATA[countywide mortgage]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[paul gonzales]]></category>
		<category><![CDATA[san diego home loans]]></category>
		<category><![CDATA[san diego lenders]]></category>
		<category><![CDATA[Windermere Exclusive Properties]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/2008/09/12/when-does-it-makes-sense-to-refinance/</guid>
		<description><![CDATA[Trying to decide whether or not to refinance your mortgage can be like trying to find treasure on a deserted island.  You can shovel a lot of sand and still come up empty-handed at the end of the day.  However, you can sift it all down and find that nugget of wisdom rather quickly if [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/10/30/when-does-it-makes-sense-to-refinance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Will Option ARM Resets Cause a National Crisis?</title>
		<link>http://pictureperfectsandiego.com/2009/09/26/will-option-arm-resets-cause-a-national-crisis/</link>
		<comments>http://pictureperfectsandiego.com/2009/09/26/will-option-arm-resets-cause-a-national-crisis/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 16:34:52 +0000</pubDate>
		<dc:creator>Rachel LaMar, J.D.</dc:creator>
				<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[rachel lamar]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[market news]]></category>
		<category><![CDATA[option ARMs]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=7901</guid>
		<description><![CDATA[Are we in for a national crisis with option ARMs  resetting in the next several years, or it is all just a bunch of baloney?
Option ARMs were the most popular types of mortgage product between 2003 and 2006, as they provided many borrowers who otherwise would be unable to afford a home with a chance [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/09/26/will-option-arm-resets-cause-a-national-crisis/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Mortgage Rates Still In A Fantastic Place</title>
		<link>http://pictureperfectsandiego.com/2009/07/14/mortgage-rates-still-in-a-fantastic-place/</link>
		<comments>http://pictureperfectsandiego.com/2009/07/14/mortgage-rates-still-in-a-fantastic-place/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 04:58:36 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=6486</guid>
		<description><![CDATA[When rates shot up a month or so ago, we saw many potential San Diego real estate buyers get cold feet since 30 year fixed rates in the 4’s were gone.  These buyers felt that the home of their dreams was no longer available if their rate was not under 5%.  Face it, we were [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/07/14/mortgage-rates-still-in-a-fantastic-place/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investors &#8211; Is Cash King? &#8211; Get the Facts</title>
		<link>http://pictureperfectsandiego.com/2009/04/12/investors-is-cash-king-get-the-facts/</link>
		<comments>http://pictureperfectsandiego.com/2009/04/12/investors-is-cash-king-get-the-facts/#comments</comments>
		<pubDate>Sun, 12 Apr 2009 17:27:36 +0000</pubDate>
		<dc:creator>Diane White</dc:creator>
				<category><![CDATA[Area Statistics]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Great Real Estate Deals]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Properties]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=4907</guid>
		<description><![CDATA[Do you get a better buy when you pay cash for a property?  Not only are investors buying up a storm, so are first time buyers.]]></description>
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		<slash:comments>0</slash:comments>
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