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	<title>Susan Saurastri, Fountain Valley REALTOR ®</title>
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	<link>http://susansellsochomes.com</link>
	<description>A Realtor you can trust - Fountain Valley Homes and Condos for Sale</description>
	<lastBuildDate>Tue, 18 Oct 2011 22:04:12 +0000</lastBuildDate>
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		<item>
		<title>Tips for Selling Your Fountain Valley Home During the Holidays</title>
		<link>http://susansellsochomes.com/2011/09/selling-orange-county-home-during-holidays/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=selling-orange-county-home-during-holidays</link>
		<comments>http://susansellsochomes.com/2011/09/selling-orange-county-home-during-holidays/#comments</comments>
		<pubDate>Sat, 03 Sep 2011 03:32:53 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Advice Column]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=15</guid>
		<description><![CDATA[If your Fountain Valley house is going to be on the market during the holiday season, your chances of selling it will be better if you make it festive and welcoming. Remember though, less is more. Here are some suggestions for holiday decorating. Start at the curb: String lights on the shrubs or trees. Place...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/selling-orange-county-home-during-holidays/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a Real Estate Escrow?</title>
		<link>http://susansellsochomes.com/2011/09/what-is-real-estate-escrow/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-real-estate-escrow</link>
		<comments>http://susansellsochomes.com/2011/09/what-is-real-estate-escrow/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:39:11 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Advice Column]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=217</guid>
		<description><![CDATA[When entering into an escrow, the buyer and seller of a piece of property establish terms and conditions for the transfer of ownership of that property. These terms and conditions are given to a third party known as the escrow holder. How does the escrow process work? The escrow is a depository for all monies,...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Questions to Ask When Hiring a Fountain Valley Realtor</title>
		<link>http://susansellsochomes.com/2011/09/questions-to-ask-when-hiring-fountain-valley-real-estate-agent/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=questions-to-ask-when-hiring-fountain-valley-real-estate-agent</link>
		<comments>http://susansellsochomes.com/2011/09/questions-to-ask-when-hiring-fountain-valley-real-estate-agent/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:32:32 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Advice Column]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=213</guid>
		<description><![CDATA[I spoke with a seller recently who told me that he was not satisfied with his realtor. I asked him how he came to hire him. He said he called many agents and he was the first one to pick up the phone. This list will hopefully spare you the aggravation of hiring the wrong...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/questions-to-ask-when-hiring-fountain-valley-real-estate-agent/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to sell your Fountain Valley house in today&#8217;s Competitive Real Estate Market</title>
		<link>http://susansellsochomes.com/2011/09/sell-house-competitive-real-estate-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=sell-house-competitive-real-estate-market</link>
		<comments>http://susansellsochomes.com/2011/09/sell-house-competitive-real-estate-market/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:23:32 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Advice Column]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=208</guid>
		<description><![CDATA[Today there are 132 houses on the market in Fountain Valley, 34 of them are condominiums. In the last month twelve single-family homes and 8 condos have closed escrow in Fountain Valley. They sold for between $350,000 and $820,000. Why are some Fountain Valley houses selling and others aren&#8217;t? Location, Condition and Price are still...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Termite and Pest Inspection</title>
		<link>http://susansellsochomes.com/2011/09/termite-and-pest-inspection/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=termite-and-pest-inspection</link>
		<comments>http://susansellsochomes.com/2011/09/termite-and-pest-inspection/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:20:09 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=579</guid>
		<description><![CDATA[As part of your offer, you may require a termite and pest inspection. This company not only inspects for termite damage and pest infestations, but also inspects for dry rot and water damage, among other things. The company that performs the inspection is important to you as a buyer, because you want to be sure...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/termite-and-pest-inspection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Title Insurance</title>
		<link>http://susansellsochomes.com/2011/09/title-insurance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=title-insurance</link>
		<comments>http://susansellsochomes.com/2011/09/title-insurance/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:19:37 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=577</guid>
		<description><![CDATA[&#160; Title insurance is important because, by providing you with an Owners Policy, they insure that you have clear title to the property. If there are any problems later, you can always go back to the title insurance company and have them clear it up. Since it is customary for the seller to pay for...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Escrow and Settlement</title>
		<link>http://susansellsochomes.com/2011/09/escrow-and-settlement/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=escrow-and-settlement</link>
		<comments>http://susansellsochomes.com/2011/09/escrow-and-settlement/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:19:04 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=575</guid>
		<description><![CDATA[&#160; For example, you are going to need an escrow or settlement company to act as an &#8220;independent third party&#8221; between you and the seller. Without having a third party involved, how do you know that when you fork over the money, you are going to get the deed? This is the type of service...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You and the Seller Must Agree</title>
		<link>http://susansellsochomes.com/2011/09/you-and-the-seller-must-agree/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=you-and-the-seller-must-agree</link>
		<comments>http://susansellsochomes.com/2011/09/you-and-the-seller-must-agree/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:18:27 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=573</guid>
		<description><![CDATA[Buying a Fountain Valley home does not occur in a vacuum, involving only you and the seller. There are all kinds of people and services involved behind the scenes to make it happen. Since some of these services affect both you and the seller, there will have to be an agreement on which companies you...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VA and FHA Appraisals</title>
		<link>http://susansellsochomes.com/2011/09/va-and-fha-appraisals/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=va-and-fha-appraisals</link>
		<comments>http://susansellsochomes.com/2011/09/va-and-fha-appraisals/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:17:06 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=570</guid>
		<description><![CDATA[&#160; Home appraisal inspections on FHA and VA loans are a little more detailed than on conventional loans (and more expensive). The appraisers are required to perform certain minimum inspections as well as evaluate the market value of the property. Although these inspections are not as detailed as a professional home inspection and should not...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/va-and-fha-appraisals/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How FHA and VA Loans Affect Your Offer</title>
		<link>http://susansellsochomes.com/2011/09/how-fha-and-va-loans-affect-your-offer/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-fha-and-va-loans-affect-your-offer</link>
		<comments>http://susansellsochomes.com/2011/09/how-fha-and-va-loans-affect-your-offer/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:16:29 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=568</guid>
		<description><![CDATA[&#160; Extra Costs to the Seller &#160; If you are obtaining a VA or FHA loan in order to finance your purchase, you must include that information in your offer. This is because government loans place additional financial and performance obligations on the seller. &#160; Non-Allowable Fees &#160; First, VA and FHA loans prohibit buyers...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/how-fha-and-va-loans-affect-your-offer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Other Financing Details in Your Offer</title>
		<link>http://susansellsochomes.com/2011/09/other-financing-details-in-your-offer/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=other-financing-details-in-your-offer</link>
		<comments>http://susansellsochomes.com/2011/09/other-financing-details-in-your-offer/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:15:45 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=566</guid>
		<description><![CDATA[&#160; Your offer should also contain information on whether you are obtaining a fixed rate or an adjustable rate mortgage. It should also state whether you are obtaining conventional financing or obtaining a VA or FHA loan. More home buyer tips and advice]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/other-financing-details-in-your-offer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cash Offers</title>
		<link>http://susansellsochomes.com/2011/09/cash-offers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=cash-offers</link>
		<comments>http://susansellsochomes.com/2011/09/cash-offers/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:15:19 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=564</guid>
		<description><![CDATA[&#160; If you are one of those rare individuals making a cash offer to buy a home, it makes sense to provide some documentation with your offer that shows you have the funds available. A bank statement would be fine. If you have to liquidate stock or some other asset, your offer should give a...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/cash-offers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seller Financing</title>
		<link>http://susansellsochomes.com/2011/09/seller-financing/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=seller-financing</link>
		<comments>http://susansellsochomes.com/2011/09/seller-financing/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:14:49 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=562</guid>
		<description><![CDATA[&#160; Another occasional request is to have the seller &#8220;carry back&#8221; a second mortgage to help facilitate your purchase of their home. In cases when the seller does not need all the proceeds from their sale in order to purchase their next home, this is an option. The advantage to the buyer is that by...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Closing Costs and Financing Incentives</title>
		<link>http://susansellsochomes.com/2011/09/closing-costs-and-financing-incentives/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=closing-costs-and-financing-incentives</link>
		<comments>http://susansellsochomes.com/2011/09/closing-costs-and-financing-incentives/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:14:21 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=560</guid>
		<description><![CDATA[&#160; There may be times when, as part of your offer, you request the seller to pay all or a portion of your closing costs, or provide some other financial incentive. One common request is asking the seller to provide funds to temporarily buy down your interest rate for the first year or two. Such...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/closing-costs-and-financing-incentives/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest Rates</title>
		<link>http://susansellsochomes.com/2011/09/interest-rates/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=interest-rates</link>
		<comments>http://susansellsochomes.com/2011/09/interest-rates/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:13:53 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=558</guid>
		<description><![CDATA[&#160; Another reason for including financing information in your offer is to protect yourself. If interest rates suddenly become volatile and rise quickly, as sometimes happens, you may looking at a mortgage payment much higher than you anticipated. By putting a maximum acceptable interest rate in the offer, you are protecting yourself from such an...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Down Payment</title>
		<link>http://susansellsochomes.com/2011/09/down-payment/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=down-payment</link>
		<comments>http://susansellsochomes.com/2011/09/down-payment/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:13:23 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=556</guid>
		<description><![CDATA[Most buyers do not have enough cash available to buy a home, so they need to obtain a mortgage to finance the purchase. Since you will probably make your purchase contingent upon obtaining a mortgage, the seller has the right to be informed of your financing plans in order to evaluate them. That is one...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Final Walk-Through Inspection</title>
		<link>http://susansellsochomes.com/2011/09/final-walk-through-inspection/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=final-walk-through-inspection</link>
		<comments>http://susansellsochomes.com/2011/09/final-walk-through-inspection/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:12:22 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=554</guid>
		<description><![CDATA[Before closing, you will want to revisit the property to ensure it is in the condition you have required in your offer, and to inspect that any required repairs have been performed. You should do this no sooner than five days before you intend to close. Make sure this right to do a final inspection...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/final-walk-through-inspection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inspections You Should Require</title>
		<link>http://susansellsochomes.com/2011/09/inspections-you-should-require/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=inspections-you-should-require</link>
		<comments>http://susansellsochomes.com/2011/09/inspections-you-should-require/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:11:26 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=552</guid>
		<description><![CDATA[&#160; Besides appraisal and the termite inspection, you should also have a professional go through the house and seek out potential problems. Of course, you will have inspected the home, but you are not used to looking at some things that a professional will find. Even if they are not things the seller is expected...]]></description>
		<wfw:commentRss>http://susansellsochomes.com/2011/09/inspections-you-should-require/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Condition of the Property</title>
		<link>http://susansellsochomes.com/2011/09/condition-of-the-property/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=condition-of-the-property</link>
		<comments>http://susansellsochomes.com/2011/09/condition-of-the-property/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:10:37 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=550</guid>
		<description><![CDATA[&#160; The last thing you want when you assume possession of your new home is to find it in a total mess. Therefore, you should make it clear in your offer that certain minimum standards are required. If you do not, you might find out the seller or neighbors have begun using the back yard...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Disclosures From the Seller</title>
		<link>http://susansellsochomes.com/2011/09/disclosures-from-the-seller/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=disclosures-from-the-seller</link>
		<comments>http://susansellsochomes.com/2011/09/disclosures-from-the-seller/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 20:10:06 +0000</pubDate>
		<dc:creator>Susan Saurastri</dc:creator>
				<category><![CDATA[Buyers]]></category>

		<guid isPermaLink="false">http://susansaurastri.southcoastblogs.com/?p=548</guid>
		<description><![CDATA[&#160; Although you have toured the property, looked at the walls and ceiling, turned on the faucets and played with the light switches, you have not lived in it. The seller has years of knowledge about his or her home and there may be some things you want to find out about as quickly as...]]></description>
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