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	<title>Real Estate by: Larry Robertson, Broker, Realtor®, S.R.E.S.®, SFR®</title>
	<link>http://larryrobertson.com</link>
	<description>Total Real Estate Services</description>
	<lastBuildDate>Fri, 23 Jul 2010 21:24:30 +0000</lastBuildDate>
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		<title>Larry Robertson, Realtors®, Serving S. California Since 1977</title>
		<description><![CDATA[
Larry Robertson, Broker, Realtor®, SRES®, SFR®, I have been a Real Estate Broker since 1977, I have also been a member of the NAR (National Association of Realtors®), CAR (California Association of Realtors®), the Inland Valley Association of Realtors® (MLS) since 1977 and a Member of the MRMLS (Multi Region Multiple Listing Service), Covering the [...]]]></description>
		<link>http://larryrobertson.com/2010/07/under-construction-back-shortly/</link>
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		<title>HOMEBUYING PROCESS (STEP BY STEP)</title>
		<description><![CDATA[AS PREVIOUSLY STATED MANY TIMES, FIND AN ETHICAL HONEST REAL ESTATE BROKER.
FIND AN HONEST LENDER AND GET PREAPPROVED.
CHOOSE YOUR HOME AND MAKE AN OFFER.
IF OFFER ACCEPTED, OPEN ESCROW.
HAVE A HOME INSPECTION.
LENDER WILL SCHEDULE AN APPRAISAL.
NEGOTIATE REPAIRS IF NECESSARY.
SIGN LOAN DOCUMENTS.
FINAL WALK THROUGH INSPECTION (5 DAYS PRIOR).
THE LOAN FUNDS.
THE DEED IS RECORDED (IT&#8217;S ALL YOURS).
This is [...]]]></description>
		<link>http://larryrobertson.com/2010/07/homebuying-process-step-by-step/</link>
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		<title>HOME SELLING PROCESS (STEP BY STEP)</title>
		<description><![CDATA[FIND AN HONEST ETHICAL REAL ESTATE BROKER.
HAVE YOUR REAL ESTATE PERSON DO A MARKET ANALYSIS OF YOUR PROPERTY.
DETERMINE THE BEST PRICE TO SELL YOUR HOME.
DO A LISTING AGREEMENT.
PROPERTY IS LISTED ON THE MLS®.
WHEN AN OFFER IS RECEIVED ACCEPT OR COUNTER PRICE AND TERMS (EXTREMELY IMPORTANT).
OFFER (PURCHASE AGREEMENT) AND COUNTER ARE SIGNED BY BOTH BUYER AND [...]]]></description>
		<link>http://larryrobertson.com/2010/07/home-selling-process-step-by-step/</link>
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		<title>SHORT SALE Considerations…</title>
		<description><![CDATA[I will first give you a simple definition of a SHORT SALE. The simplest description would be: &#8220;You owe more on your home, than what it is worth.&#8221; In other words, you owe $300,000 on your home, however it is only worth $175,000. This example you owe $125,000 more than what it is worth. You [...]]]></description>
		<link>http://larryrobertson.com/2010/06/short-sale-considerations%e2%80%a6/</link>
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		<title>What about the Down Payment?</title>
		<description><![CDATA[A common question and misunderstood aspect of the real estate transaction is Down Payment. Standard down payments range from zero for a Veteran to 20% for a typical conventional loan and everything in-between. A major difference, is that the loans with less than 20% down have PMI (Private Mortgage Insurance), that traditionally runs 7/10 of [...]]]></description>
		<link>http://larryrobertson.com/2010/06/what-about-the-down-payment/</link>
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		<title>What are Closing Costs?</title>
		<description><![CDATA[Another question I’m asked about is Closing Costs. When purchasing or planning for a purchase involves several items to consider and prepare for. One is the Down Payment (which will be covered next week), secondly is your Closing Costs. Buyers absolutely need to understand Closing Costs, because they will be paying them when you purchase [...]]]></description>
		<link>http://larryrobertson.com/2010/06/what-are-closing-costs/</link>
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		<title>Credit Score (FICO) Secrets…</title>
		<description><![CDATA[If you’ve ever applied for credit for a home loan or a car loan, then you’ve probably seen your credit report. These lenders consider you credit worthy or having an unworthy credit report based on a certain criteria. These lenders base their decision on many factors, including your Credit Score. One of my clients have [...]]]></description>
		<link>http://larryrobertson.com/2010/06/credit-score-fico-secrets%e2%80%a6/</link>
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		<title>Pre-Qualified v. Pre-Approved</title>
		<description><![CDATA[I receive many questions about the difference between a Pre–Qualified loan and a Pre–Approved loan. A Pre–Qualified status, means you have talked to a lender, and given him all pertinent information for obtaining a loan. Based on the information you have given, you are qualified for a loan of a certain amount.
A Pre–Approved loan, means [...]]]></description>
		<link>http://larryrobertson.com/2010/06/pre-qualified-v-pre-approved/</link>
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		<title>TO CONSIDER WHEN SELLING YOUR HOME</title>
		<description><![CDATA[Since you are reading this, you have decided to look into Selling your home. Selling your home requires a Real Estate Broker your comfortable with and can trust with probably your largest investment. When Selling your home the two most important considerations are:

1) Your Real Estate Broker.

2) Pricing your Home.

In that order, your Real Estate [...]]]></description>
		<link>http://larryrobertson.com/2010/06/to-consider-when-selling-your-home/</link>
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		<title>Why Do I Need To Go To A Lender?</title>
		<description><![CDATA[Let’s start back in the early 1990’s, I was selling a lot of FHA and VA Foreclosures and repossessed properties. They were just called Repos. I was a Certified HUD Broker and a VA Approved Real Estate Broker. Houses would come out weekly for inspection by potential buyers, then after a week, buyers would put [...]]]></description>
		<link>http://larryrobertson.com/2010/06/why-do-i-need-to-go-to-a-lender/</link>
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