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	<title>Picture Perfect San Diego &#187; CW Mortgage</title>
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	<link>http://pictureperfectsandiego.com</link>
	<description>Picture Perfect San Diego Real Estate Blog</description>
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		<title>Open House @ the Ocean in Solana Beach Saturday October 22nd 12:30 to 4p.m.</title>
		<link>http://pictureperfectsandiego.com/2011/10/19/open-house-the-ocean-in-solana-beach-saturday-october-22nd-1230-to-4p-m/</link>
		<comments>http://pictureperfectsandiego.com/2011/10/19/open-house-the-ocean-in-solana-beach-saturday-october-22nd-1230-to-4p-m/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 17:42:21 +0000</pubDate>
		<dc:creator>Nick Bednorz</dc:creator>
				<category><![CDATA[Activities & Events]]></category>
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		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=17910</guid>
		<description><![CDATA[Located @ 707 Sierra Ave South in Solana Beach CA 92075 Offering Price $649,500 Not a foreclosure or Short Sale. Real Sellers. Real Motivated Owners want out of Property Management Extras and Upgrades Include: Travertine Floors throughout Stone Countertops in Kitchen &#38; Baths Bathrooms have been Upgraded 2-master suites 2 1/2 bathrooms 1 bathroom in [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2011/10/19/open-house-the-ocean-in-solana-beach-saturday-october-22nd-1230-to-4p-m/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Open House Saturday Oct 29th from 12:30 to 4:00 p.m. @ 1975 Andrews Ct, Oceanside 92054</title>
		<link>http://pictureperfectsandiego.com/2011/10/11/oceanside-one-level-cul-de-sac-home-not-a-foreclosure-or-short-sale/</link>
		<comments>http://pictureperfectsandiego.com/2011/10/11/oceanside-one-level-cul-de-sac-home-not-a-foreclosure-or-short-sale/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 17:49:50 +0000</pubDate>
		<dc:creator>Nick Bednorz</dc:creator>
				<category><![CDATA[Activities & Events]]></category>
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		<category><![CDATA[nick bednorz]]></category>
		<category><![CDATA[Oceanside]]></category>
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		<category><![CDATA[Poway Unified School District]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
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		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Santaluz]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Solana Beach]]></category>
		<category><![CDATA[steve rodgers]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=17869</guid>
		<description><![CDATA[Offering Price $549,000 So Meticulously Maintained that you&#8217;ll think Mr &#38; Mrs Clean Live here Sellers ready to sell No waiting for bank response for short sale process or foreclosure processing Spacious one level 2073 Square Feet of Living area Prestigious &#8216;FireMountain&#8217; Area Large useable private cul de sac location 4-bedrooms 2.5 bathrooms RV parking [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2011/10/11/oceanside-one-level-cul-de-sac-home-not-a-foreclosure-or-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Open House Saturday 10/1 &amp; Sunday 10/2 from 12:30-4 p.m. @ The Ocean in Solana Beach</title>
		<link>http://pictureperfectsandiego.com/2011/09/30/open-house-saturday-101-sunday-102-from-1230-4-p-m-the-ocean-in-solana-beach/</link>
		<comments>http://pictureperfectsandiego.com/2011/09/30/open-house-saturday-101-sunday-102-from-1230-4-p-m-the-ocean-in-solana-beach/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 20:05:43 +0000</pubDate>
		<dc:creator>Nick Bednorz</dc:creator>
				<category><![CDATA[Activities & Events]]></category>
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		<category><![CDATA[Gretchen Pagnotta]]></category>
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		<category><![CDATA[http://pictureperfectsandiego.com/wp-admin/post.php?post=17735&action=edit&message=10#]]></category>
		<category><![CDATA[http://pictureperfectsandiego.com/wp-admin/post.php?post=17735&action=edit&message=http://pictureperfectsandiego.com/wp-admin/post.php?post=17735&action=edit&message=10#10#]]></category>
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		<category><![CDATA[windermere real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=17735</guid>
		<description><![CDATA[&#160; Located @ 707 Sierra Ave South in Solana Beach CA 92075 Not a foreclosure or Short Sale. Owners want out of Property Management Extras and Upgrades Include: Travertine Floors throughout Stone Countertops in Kitchen &#38; Baths Bathrooms have been Upgraded 2-master suites 2 1/2 bathrooms 1 bathroom in each bedroom plus 1/2 bath for [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2011/09/30/open-house-saturday-101-sunday-102-from-1230-4-p-m-the-ocean-in-solana-beach/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Solana Beach Homes For Sale Including Foreclosures, Short Sales, and Other Distressed Property</title>
		<link>http://pictureperfectsandiego.com/2011/09/15/solana-beach-homes-for-sale-including-foreclosures-short-sales-and-other-distressed-property/</link>
		<comments>http://pictureperfectsandiego.com/2011/09/15/solana-beach-homes-for-sale-including-foreclosures-short-sales-and-other-distressed-property/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 19:07:13 +0000</pubDate>
		<dc:creator>Nick Bednorz</dc:creator>
				<category><![CDATA[San Diego]]></category>
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		<category><![CDATA[windermere real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=17533</guid>
		<description><![CDATA[You may check all Solana Beach  homes For Sale by clicking on the following link. Solana Beach Homes For Sale This link will also allow you to find homes in other communities such as Del Mar , Rancho Santa Fe , Carmel Valley , Cardiff by the Sea , Encinitas , La Jolla  including the [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2011/09/15/solana-beach-homes-for-sale-including-foreclosures-short-sales-and-other-distressed-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Purchase: After 90 Days But Before 180 Days</title>
		<link>http://pictureperfectsandiego.com/2009/12/12/fha-purchase-after-90-days-but-before-180-days/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/12/fha-purchase-after-90-days-but-before-180-days/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 22:10:27 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[FHA 90-day rule]]></category>
		<category><![CDATA[FHA loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9480</guid>
		<description><![CDATA[We have discussed FHA’s 90-day “anti-flip” policy a lot these days.  Basically, a buyer will be unable to obtain FHA insured financing if the subject property has been owned by the seller for less than 90 days, with some exceptions. But did you know that FHA is still concerned from day 91 to day 180?  [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/12/12/fha-purchase-after-90-days-but-before-180-days/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[Exclusive Properties]]></category>
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		<category><![CDATA[paul gonzales]]></category>
		<category><![CDATA[san diego home loans]]></category>
		<category><![CDATA[san diego lenders]]></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>High Balance Conforming Loans&#8230;Minimum Down Payment Requirements</title>
		<link>http://pictureperfectsandiego.com/2009/09/10/high-balance-conforming-loans-minimum-down-payment-requirements/</link>
		<comments>http://pictureperfectsandiego.com/2009/09/10/high-balance-conforming-loans-minimum-down-payment-requirements/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 20:29:39 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[high balance conforming loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=7633</guid>
		<description><![CDATA[Conventional loan amounts up to and including $417,000 are considered Conforming loans, or Agency loans, and are typically backed by Fannie Mae and Freddie Mac. In San Diego County, conventional loan amounts greater than $417,000 and less than or equal to $697,500 are considered High Balance Conforming loans (also known as Conforming Plus, Conforming Jumbo, [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/09/10/high-balance-conforming-loans-minimum-down-payment-requirements/feed/</wfw:commentRss>
		<slash:comments>0</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>$8,000 Tax Credit As Down Payment? Almost&#8230;</title>
		<link>http://pictureperfectsandiego.com/2009/05/20/8000-tax-credit-as-down-payment-almost/</link>
		<comments>http://pictureperfectsandiego.com/2009/05/20/8000-tax-credit-as-down-payment-almost/#comments</comments>
		<pubDate>Wed, 20 May 2009 15:03:05 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Financial news]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5856</guid>
		<description><![CDATA[Last week, HUD announced that the new $8,000 first-time home buyer tax credit could be used towards the down payment of the purchase of a primary residence.  The way that it would have worked is that a third party would front the tax credit money to the buyer.  The buyer would sign some sort of [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/05/20/8000-tax-credit-as-down-payment-almost/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>FHA, FNMA, and FHLMC Loan Limits In San Diego Returned To $697,500!</title>
		<link>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/</link>
		<comments>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 22:19:11 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<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>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Conforming loans]]></category>
		<category><![CDATA[conforming plus]]></category>
		<category><![CDATA[FHA Jumbo]]></category>
		<category><![CDATA[high balance conforming loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=4197</guid>
		<description><![CDATA[Well, it looks like the &#8220;new and improved&#8221; stimulus bill will have an immediate effect on mortgages.  Fannie Mae (FNMA), Freddie Mac (FHLMC), and the Federal Housing Administration (FHA) have announced that they are reinstating last year&#8217;s high balance conforming loan limits. For 2008, FNMA and FHLMC, as well as FHA, would insure loan amounts [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/02/26/fha-fnma-and-fhlmc-loan-limits-in-san-diego-returned-to-697500/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
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