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	<title>Picture Perfect San Diego &#187; Kevin Kueneke</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 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>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[lennie fernandez]]></category>
		<category><![CDATA[Nancy]]></category>
		<category><![CDATA[nick bednorz]]></category>
		<category><![CDATA[ocean]]></category>
		<category><![CDATA[ocean property]]></category>
		<category><![CDATA[Open House]]></category>
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		<category><![CDATA[sale in del mar]]></category>
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		<category><![CDATA[Santaluz]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[steve rodgers]]></category>
		<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>
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		<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>
		<category><![CDATA[92007]]></category>
		<category><![CDATA[92014]]></category>
		<category><![CDATA[92024]]></category>
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		<category><![CDATA[92127]]></category>
		<category><![CDATA[92128]]></category>
		<category><![CDATA[BEACH PROPERTY]]></category>
		<category><![CDATA[best schools]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Carmel Valley]]></category>
		<category><![CDATA[carmel valley homes]]></category>
		<category><![CDATA[CW Mortgage]]></category>
		<category><![CDATA[Del Mar]]></category>
		<category><![CDATA[downtown san diego condos]]></category>
		<category><![CDATA[Erica Vautier]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Exclusive Properties]]></category>
		<category><![CDATA[Exclusive Properties Solana Beach]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Gated Community]]></category>
		<category><![CDATA[Golf Community]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[nick bednorz]]></category>
		<category><![CDATA[RACE TRACK]]></category>
		<category><![CDATA[rancho bernardo real estate agent]]></category>
		<category><![CDATA[Real Living Lifestyles]]></category>
		<category><![CDATA[Realtor]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[short-sale]]></category>
		<category><![CDATA[Solana Beach]]></category>
		<category><![CDATA[steve rodgers]]></category>
		<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>
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		<item>
		<title>VA Zero-Down Loan Limits Reduced For 2010 In San Diego County</title>
		<link>http://pictureperfectsandiego.com/2009/12/15/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/15/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 17:43:40 +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[Department of Veterans Affairs]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[san diego county]]></category>
		<category><![CDATA[san diego real estate]]></category>
		<category><![CDATA[VA Home Loans]]></category>
		<category><![CDATA[VA Jumbo Loans]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9494</guid>
		<description><![CDATA[The Department of Veteran&#8217;s Affairs (VA) announced that the maximum zero-down VA loan limit for 2010 is being reduced from $593,750 to $437,500 for San Diego County.  Remember that VA loan amounts exceeding $417,000 are considered VA Jumbo loans. Other areas, such as Los Angeles and Orange Counties, will have maximum zero-down loan limits as [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/12/15/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/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>How Does The Latest Version Of Fannie Mae&#8217;s DU Affect You?</title>
		<link>http://pictureperfectsandiego.com/2009/12/08/how-does-the-latest-version-of-fannie-maes-du-affect-you/</link>
		<comments>http://pictureperfectsandiego.com/2009/12/08/how-does-the-latest-version-of-fannie-maes-du-affect-you/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 00:02:59 +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[Desktop Underwriter]]></category>
		<category><![CDATA[DU 8.0]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=9353</guid>
		<description><![CDATA[For Conventional conforming loans, lenders use one of two automated underwriting engines.  Fannie Mae has Desktop Underwriter, otherwise known as DU.  Freddie Mac has Loan Prospector, otherwise known as LP. Prior to being reviewed by an actual underwriter, a loan must be run through one of these automated underwriting engines.  The programs evaluate the information [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/12/08/how-does-the-latest-version-of-fannie-maes-du-affect-you/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>High Balance Conforming Loan Limits for 2010&#8230;Same As 2009!</title>
		<link>http://pictureperfectsandiego.com/2009/11/17/high-balance-conforming-loan-limits-for-2010-same-as-2009/</link>
		<comments>http://pictureperfectsandiego.com/2009/11/17/high-balance-conforming-loan-limits-for-2010-same-as-2009/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 18:09:53 +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[Mortgage News]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[high balance loans]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[loan limits]]></category>
		<category><![CDATA[san diego real estate]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=8870</guid>
		<description><![CDATA[Great news for San Diego real estate buyers! Fannie Mae (FNMA) announced that they are keeping 2009&#8242;s High Balance Conforming loan limits for 2010.  Freddie Mac (FHLMC) made a similar announcement. As we all know, the regular conforming loan limit in San Diego County is $417,000.  Loan amounts up to this number have the lowest [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/11/17/high-balance-conforming-loan-limits-for-2010-same-as-2009/feed/</wfw:commentRss>
		<slash:comments>0</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>Southern California Drought&#8230;Water That Is</title>
		<link>http://pictureperfectsandiego.com/2009/05/07/southern-california-droughtwater-that-is/</link>
		<comments>http://pictureperfectsandiego.com/2009/05/07/southern-california-droughtwater-that-is/#comments</comments>
		<pubDate>Thu, 07 May 2009 17:04:39 +0000</pubDate>
		<dc:creator>Kevin Kueneke</dc:creator>
				<category><![CDATA[Encinitas]]></category>
		<category><![CDATA[Exclusive Properties]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[conservation]]></category>
		<category><![CDATA[home owners]]></category>
		<category><![CDATA[irrigation]]></category>
		<category><![CDATA[Kevin Kueneke]]></category>
		<category><![CDATA[Olivenhain Municipal Water District]]></category>

		<guid isPermaLink="false">http://pictureperfectsandiego.com/?p=5455</guid>
		<description><![CDATA[I was fixing a broken sprinkler this morning that I had recently run over, as I frequently do (it&#8217;s on the edge of the driveway) when a meter reader from the Olivenhain Municipal Water District (OMWD) pulled up.  It was about 8:05am and I had the sprinklers running to make sure that I had truly [...]]]></description>
		<wfw:commentRss>http://pictureperfectsandiego.com/2009/05/07/southern-california-droughtwater-that-is/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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