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	<title>The Scotsman &#187; Real Estate</title>
	<atom:link href="http://thescotsman.com/category/real-estate/feed/" rel="self" type="application/rss+xml" />
	<link>http://thescotsman.com</link>
	<description>Livermore Real Estate, Pleasanton Real Estate, tips for buying and selling your home.</description>
	<lastBuildDate>Thu, 01 Jul 2010 17:35:26 +0000</lastBuildDate>
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		<title>Opportunity Knocks!</title>
		<link>http://thescotsman.com/2009/11/opportunity-knocks/</link>
		<comments>http://thescotsman.com/2009/11/opportunity-knocks/#comments</comments>
		<pubDate>Sat, 21 Nov 2009 00:37:28 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Featured Properties]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[This weeks best buy!]]></category>

		<guid isPermaLink="false">http://thescotsman.com/?p=457</guid>
		<description><![CDATA[Charming Oakland single level home close to shopping and BART.


Related posts:<ol><li><a href='http://thescotsman.com/2009/01/vflyer-widget/' rel='bookmark' title='Permanent Link: New Downtown Pleasanton Rental&#8230;'>New Downtown Pleasanton Rental&#8230;</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Lovely 4 bedroom 2 bath home in downtown Oakland, walk  to the BART station.</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2009/01/vflyer-widget/' rel='bookmark' title='Permanent Link: New Downtown Pleasanton Rental&#8230;'>New Downtown Pleasanton Rental&#8230;</a></li>
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		<title>Wachovia Short Sales, do you have a Wachovia or Wells Fargo mortgage?</title>
		<link>http://thescotsman.com/2009/11/wachovia-short-sales-do-you-have-a-wachovia-or-wells-fargo-mortgage/</link>
		<comments>http://thescotsman.com/2009/11/wachovia-short-sales-do-you-have-a-wachovia-or-wells-fargo-mortgage/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 16:19:53 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Wachovia short sale. Wachovia loan. Wells Fargo short sale. Wells Fargo loan.]]></category>

		<guid isPermaLink="false">http://thescotsman.com/2009/11/wachovia-short-sales-do-you-have-a-wachovia-or-wells-fargo-mortgage/</guid>
		<description><![CDATA[Do you have a loan from Wachovia? If you have a Wells fargo or Wachovia loan and are getting behind on payments and need to consider a short sale you are in luck.

Unlike other banks Wachovia is streamlining the short sale process and in fact the approval time required is usually 30 days or less. [...]


Related posts:<ol><li><a href='http://thescotsman.com/2009/02/what-is-a-short-sale-and-how-would-it-affect-me/' rel='bookmark' title='Permanent Link: What is a Short Sale and how would it Affect me?'>What is a Short Sale and how would it Affect me?</a></li>
<li><a href='http://thescotsman.com/2009/04/best-buy-in-livermore/' rel='bookmark' title='Permanent Link: Best Buy in Livermore!'>Best Buy in Livermore!</a></li>
<li><a href='http://thescotsman.com/2010/07/not-all-buyers-are-worth-a-counter-offer/' rel='bookmark' title='Permanent Link: Not all buyers are worth a counter offer!'>Not all buyers are worth a counter offer!</a></li>
<li><a href='http://thescotsman.com/2009/05/short-sale-make-sure-you-do-this/' rel='bookmark' title='Permanent Link: Short Sale? Make sure you do this!'>Short Sale? Make sure you do this!</a></li>
<li><a href='http://thescotsman.com/2010/02/do-you-owe-tax-if-you-close-a-short-sale/' rel='bookmark' title='Permanent Link: Do you owe tax if you close a short sale?'>Do you owe tax if you close a short sale?</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Do you have a loan from Wachovia? If you have a Wells fargo or Wachovia loan and are getting behind on payments and need to consider a short sale you are in luck.<br />
<a href="http://thescotsman.com/wp-content/uploads/2007/11/rebecca-jacobs-007.jpg"><img class="alignleft size-full wp-image-40" title="Livermore Real Estate" src="http://thescotsman.com/wp-content/uploads/2007/11/rebecca-jacobs-007.jpg" alt="Livermore Real Estate" width="450" height="338" /></a></p>
<p>Unlike other banks Wachovia is streamlining the short sale process and in fact the approval time required is usually 30 days or less. Wachovia have local staff  in Pleasanton dedicated to reviewing and approving short sale applications. Their requirements are a executed purchase offer and a short sale package completed by the seller.<br />
Do you have a Wachovia or Wells Fargo mortgage and are you considering a short sale? If so let us know, our experienced staff can expedite the process at no charge to you.</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2009/02/what-is-a-short-sale-and-how-would-it-affect-me/' rel='bookmark' title='Permanent Link: What is a Short Sale and how would it Affect me?'>What is a Short Sale and how would it Affect me?</a></li>
<li><a href='http://thescotsman.com/2009/04/best-buy-in-livermore/' rel='bookmark' title='Permanent Link: Best Buy in Livermore!'>Best Buy in Livermore!</a></li>
<li><a href='http://thescotsman.com/2010/07/not-all-buyers-are-worth-a-counter-offer/' rel='bookmark' title='Permanent Link: Not all buyers are worth a counter offer!'>Not all buyers are worth a counter offer!</a></li>
<li><a href='http://thescotsman.com/2009/05/short-sale-make-sure-you-do-this/' rel='bookmark' title='Permanent Link: Short Sale? Make sure you do this!'>Short Sale? Make sure you do this!</a></li>
<li><a href='http://thescotsman.com/2010/02/do-you-owe-tax-if-you-close-a-short-sale/' rel='bookmark' title='Permanent Link: Do you owe tax if you close a short sale?'>Do you owe tax if you close a short sale?</a></li>
</ol></p>]]></content:encoded>
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		<title>Valley home Median Price up 11%!</title>
		<link>http://thescotsman.com/2009/11/valley-home-median-price-up-11/</link>
		<comments>http://thescotsman.com/2009/11/valley-home-median-price-up-11/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 15:09:44 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Livermore Home Prices]]></category>

		<guid isPermaLink="false">http://thescotsman.com/?p=435</guid>
		<description><![CDATA[Surprising new statistics just published show the year over year median prices in Livermore  and Pleasanton to have increased by 11%!
The new statistics take into account single family detached homes as well as condos.




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Related posts:Median Price rises!
The #1 Issue&#8230;
Could it be..a glimmer of light?
Buyer sues Realtor for home price falling!
What to expect in [...]


Related posts:<ol><li><a href='http://thescotsman.com/2009/07/median-price-rises/' rel='bookmark' title='Permanent Link: Median Price rises!'>Median Price rises!</a></li>
<li><a href='http://thescotsman.com/2008/06/the-1-issue/' rel='bookmark' title='Permanent Link: The #1 Issue&#8230;'>The #1 Issue&#8230;</a></li>
<li><a href='http://thescotsman.com/2008/04/could-it-bea-glimmer-of-light/' rel='bookmark' title='Permanent Link: Could it be..a glimmer of light?'>Could it be..a glimmer of light?</a></li>
<li><a href='http://thescotsman.com/2008/01/buyer-sues-realtor-for-home-price-falling/' rel='bookmark' title='Permanent Link: Buyer sues Realtor for home price falling!'>Buyer sues Realtor for home price falling!</a></li>
<li><a href='http://thescotsman.com/2007/11/what-to-expect-in-2008/' rel='bookmark' title='Permanent Link: What to expect in 2008'>What to expect in 2008</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Surprising new statistics just published show the year over year median prices in Livermore  and Pleasanton to have increased by 11%!</p>
<p>The new statistics take into account single family detached homes as well as condos.</p>
<p style="text-align: center;"><a href="http://thescotsman.com/wp-content/uploads/2009/11/valley-home-price.png"><img class="aligncenter size-full wp-image-440" title="valley home price" src="http://thescotsman.com/wp-content/uploads/2009/11/valley-home-price.png" alt="valley home prices" width="560" height="239" /></a></p>



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<li><a href='http://thescotsman.com/2007/11/what-to-expect-in-2008/' rel='bookmark' title='Permanent Link: What to expect in 2008'>What to expect in 2008</a></li>
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		<title>Court Location in Martinez</title>
		<link>http://thescotsman.com/2009/11/court-location-in-martinez/</link>
		<comments>http://thescotsman.com/2009/11/court-location-in-martinez/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 18:30:11 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Featured Properties]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=417</guid>
		<description><![CDATA[Home for sale in Martinez


Related posts:<ol><li><a href='http://thescotsman.com/2009/05/short-sale-make-sure-you-do-this/' rel='bookmark' title='Permanent Link: Short Sale? Make sure you do this!'>Short Sale? Make sure you do this!</a></li>
<li><a href='http://thescotsman.com/2008/09/buyers-beware/' rel='bookmark' title='Permanent Link: Buyers Beware!'>Buyers Beware!</a></li>
<li><a href='http://thescotsman.com/2009/09/how-to-find-bank-owned-property/' rel='bookmark' title='Permanent Link: How to find Bank Owned property'>How to find Bank Owned property</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Opportunity knocks! A nice 3 bedroom home in a well located neighborhood. Much of the work has been completed</p>
<p>new paint and carpet and new stove included. This home is priced to sell. A regular sale, no bank or mortgage company to deal with!</p>
<p>Remodeled kitchen and baths, a fantastic buy at $329,950! <a href="http://www.109woodview.com" target="_self">Virtual Tour</a></p>



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<li><a href='http://thescotsman.com/2008/09/buyers-beware/' rel='bookmark' title='Permanent Link: Buyers Beware!'>Buyers Beware!</a></li>
<li><a href='http://thescotsman.com/2009/09/how-to-find-bank-owned-property/' rel='bookmark' title='Permanent Link: How to find Bank Owned property'>How to find Bank Owned property</a></li>
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		<title>Congress extends Tax Break!</title>
		<link>http://thescotsman.com/2009/11/congress-extends-tax-break/</link>
		<comments>http://thescotsman.com/2009/11/congress-extends-tax-break/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 17:01:54 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Tax Break Extension]]></category>

		<guid isPermaLink="false">http://thescotsman.com/2009/11/congress-extends-tax-break/</guid>
		<description><![CDATA[WASHINGTON – Buying a home is about to get cheaper for a whole new crop of homebuyers — $6,500 cheaper.
First-time homebuyers have been getting tax credits of up to $8,000 since January as part of the economic stimulus package enacted earlier this year. But with the program scheduled to expire at the end of November, [...]


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<li><a href='http://thescotsman.com/2009/09/how-to-find-bank-owned-property/' rel='bookmark' title='Permanent Link: How to find Bank Owned property'>How to find Bank Owned property</a></li>
<li><a href='http://thescotsman.com/2008/09/buyers-beware/' rel='bookmark' title='Permanent Link: Buyers Beware!'>Buyers Beware!</a></li>
<li><a href='http://thescotsman.com/2008/04/could-it-bea-glimmer-of-light/' rel='bookmark' title='Permanent Link: Could it be..a glimmer of light?'>Could it be..a glimmer of light?</a></li>
<li><a href='http://thescotsman.com/2008/07/fannie-mae-limits-increased/' rel='bookmark' title='Permanent Link: Fannie Mae Limits Increased.'>Fannie Mae Limits Increased.</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>WASHINGTON – Buying a home is about to get cheaper for a whole new crop of homebuyers — $6,500 cheaper.</p>
<p>First-time homebuyers have been getting tax credits of up to $8,000 since January as part of the economic stimulus package enacted earlier this year. But with the program scheduled to expire at the end of November, the Senate voted Wednesday to extend and expand the tax credit to include many buyers who already own homes. The House is scheduled to vote on the bill Thursday.</p>
<p>Buye<a href="http://thescotsman.com/wp-content/uploads/2009/09/foreclosure1.jpg"><img class="alignleft size-full wp-image-335" title="foreclosure" src="http://thescotsman.com/wp-content/uploads/2009/09/foreclosure1.jpg" alt="foreclosure" width="88" height="128" /></a>rs who have owned their current homes at least five years would be eligible for tax credits of up to $6,500. First-time homebuyers — or anyone who hasn&#8217;t owned a home in the last three years — would still get up to $8,000. To qualify, buyers in both groups have to sign a purchase agreement by April 30, 2010, and close by June 30.</p>



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<li><a href='http://thescotsman.com/2009/09/how-to-find-bank-owned-property/' rel='bookmark' title='Permanent Link: How to find Bank Owned property'>How to find Bank Owned property</a></li>
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<li><a href='http://thescotsman.com/2008/07/fannie-mae-limits-increased/' rel='bookmark' title='Permanent Link: Fannie Mae Limits Increased.'>Fannie Mae Limits Increased.</a></li>
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		<title>How to find Bank Owned property</title>
		<link>http://thescotsman.com/2009/09/how-to-find-bank-owned-property/</link>
		<comments>http://thescotsman.com/2009/09/how-to-find-bank-owned-property/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 22:52:59 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=333</guid>
		<description><![CDATA[How to locate the best deals in town.


Related posts:<ol><li><a href='http://thescotsman.com/2008/10/bank-owned-property-statistics/' rel='bookmark' title='Permanent Link: Bank Owned Property Statistics.'>Bank Owned Property Statistics.</a></li>
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<li><a href='http://thescotsman.com/2009/03/mozilla-firefox-start-page/' rel='bookmark' title='Permanent Link: How to Reduce your Property Tax!'>How to Reduce your Property Tax!</a></li>
<li><a href='http://thescotsman.com/2008/05/property-tax-reduction/' rel='bookmark' title='Permanent Link: Property Tax Reduction?'>Property Tax Reduction?</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>You would like to invest in real estate and know that bank owned homes are the best deal, but where do you even begin to locate these?<img class="alignleft size-full wp-image-336" title="foreclosure" src="http://scotsmansview.com/wp-content/uploads/2009/09/foreclosure2.jpg" alt="foreclosure" width="88" height="128" /></p>
<p>Now introducing this award winning site, you can search for both pre-foreclosure property as well as bank owned homes for sale in Livermore and bank owned homes for sale in Pleasanton.</p>
<p>Simply click the HOME button at the top of this page and every property will be shown. By narrowing the choice to REO or preforeclosures you will see those only. You can even register to get auto email updates of new ones hitting the market.</p>
<p>Its free, so go ahead and give it a try and good luck with your search. If you see anything you like let us know and we will be happy to arrange to get you inside for a closer look.</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2008/10/bank-owned-property-statistics/' rel='bookmark' title='Permanent Link: Bank Owned Property Statistics.'>Bank Owned Property Statistics.</a></li>
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<li><a href='http://thescotsman.com/2008/05/property-tax-reduction/' rel='bookmark' title='Permanent Link: Property Tax Reduction?'>Property Tax Reduction?</a></li>
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		<title>Rare single level home in Ravenswood.</title>
		<link>http://thescotsman.com/2009/09/rare-single-level-home-in-ravenswood-2/</link>
		<comments>http://thescotsman.com/2009/09/rare-single-level-home-in-ravenswood-2/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 23:00:49 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=247</guid>
		<description><![CDATA[How would you like to live in 2500 sq feet on a single level with a 3+ car garage?



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Related posts:Rare single level home in Ravenswood!
648 Vivian Dr Livermore Ca



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<li><a href='http://thescotsman.com/2010/06/648-vivian-dr-livermore-ca/' rel='bookmark' title='Permanent Link: 648 Vivian Dr Livermore Ca'>648 Vivian Dr Livermore Ca</a></li>
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			<content:encoded><![CDATA[<p>How would you like to live in 2500 sq feet on a single level with a 3+ car garage?</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2009/06/rare-single-level-home-in-ravenswood/' rel='bookmark' title='Permanent Link: Rare single level home in Ravenswood!'>Rare single level home in Ravenswood!</a></li>
<li><a href='http://thescotsman.com/2010/06/648-vivian-dr-livermore-ca/' rel='bookmark' title='Permanent Link: 648 Vivian Dr Livermore Ca'>648 Vivian Dr Livermore Ca</a></li>
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		<title>Median Price rises!</title>
		<link>http://thescotsman.com/2009/07/median-price-rises/</link>
		<comments>http://thescotsman.com/2009/07/median-price-rises/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 21:57:47 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=263</guid>
		<description><![CDATA[
Figures just released showed that the median price of homes sold in Livermore CA
rose to the highest point in several months. Although this in and of itself is not a direct market indicator
it may, if continued for the next few months show a market recovery here.



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Related posts:Valley home Median Price up 11%!
Interest Rates [...]


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<li><a href='http://thescotsman.com/2008/10/median-sales-prices-pleasanton/' rel='bookmark' title='Permanent Link: Median sales prices Pleasanton'>Median sales prices Pleasanton</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.google.com/firefox?client=firefox-a&amp;rls=org.mozilla:en-US:official"><img class="alignleft size-medium wp-image-262" title="Median price increases dramatically!" src="http://scotsmansview.com/wp-content/uploads/2009/07/cmm_report_mediansoldprice_chart-300x227.jpg" alt="Median price increases dramatically!" width="300" height="227" /></a></p>
<p>Figures just released showed that the median price of homes sold in Livermore CA</p>
<p>rose to the highest point in several months. Although this in and of itself is not a direct market indicator</p>
<p>it may, if continued for the next few months show a market recovery here.</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2009/11/valley-home-median-price-up-11/' rel='bookmark' title='Permanent Link: Valley home Median Price up 11%!'>Valley home Median Price up 11%!</a></li>
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<li><a href='http://thescotsman.com/2008/04/could-it-bea-glimmer-of-light/' rel='bookmark' title='Permanent Link: Could it be..a glimmer of light?'>Could it be..a glimmer of light?</a></li>
<li><a href='http://thescotsman.com/2008/10/median-sales-prices-pleasanton/' rel='bookmark' title='Permanent Link: Median sales prices Pleasanton'>Median sales prices Pleasanton</a></li>
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		<title>Best Buy in Livermore!</title>
		<link>http://thescotsman.com/2009/04/best-buy-in-livermore/</link>
		<comments>http://thescotsman.com/2009/04/best-buy-in-livermore/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 00:09:48 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=223</guid>
		<description><![CDATA[Same model sold for $1,175,000 3 summers ago, this one only $667,000
an approved short sale with wells Fargo&#8230;hurry!



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Related posts:Wachovia Short Sales, do you have a Wachovia or Wells Fargo mortgage?
Bank Owned Property Statistics.
Commissions&#8230;Selling without an MLS!



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<li><a href='http://thescotsman.com/2008/10/bank-owned-property-statistics/' rel='bookmark' title='Permanent Link: Bank Owned Property Statistics.'>Bank Owned Property Statistics.</a></li>
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</ol>]]></description>
			<content:encoded><![CDATA[<p><img class="alignnone" title="1453 Rebecca Dr Livermore" src="http://199.44.153.10/alliedbrokersre/docs/listings/31091_IMAGE1.jpg" alt="" width="450" height="338" />Same model sold for $1,175,000 3 summers ago, this one only $667,000</p>
<p>an <em>approved</em> short sale with wells Fargo&#8230;hurry!</p>



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<p>Related posts:<ol><li><a href='http://thescotsman.com/2009/11/wachovia-short-sales-do-you-have-a-wachovia-or-wells-fargo-mortgage/' rel='bookmark' title='Permanent Link: Wachovia Short Sales, do you have a Wachovia or Wells Fargo mortgage?'>Wachovia Short Sales, do you have a Wachovia or Wells Fargo mortgage?</a></li>
<li><a href='http://thescotsman.com/2008/10/bank-owned-property-statistics/' rel='bookmark' title='Permanent Link: Bank Owned Property Statistics.'>Bank Owned Property Statistics.</a></li>
<li><a href='http://thescotsman.com/2008/02/commissionsselling-without-an-mls/' rel='bookmark' title='Permanent Link: Commissions&#8230;Selling without an MLS!'>Commissions&#8230;Selling without an MLS!</a></li>
</ol></p>]]></content:encoded>
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		<title>How to Reduce your Property Tax!</title>
		<link>http://thescotsman.com/2009/03/mozilla-firefox-start-page/</link>
		<comments>http://thescotsman.com/2009/03/mozilla-firefox-start-page/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 18:14:06 +0000</pubDate>
		<dc:creator>Gordon Corsie</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Cut your property tax]]></category>
		<category><![CDATA[Property Tax Forms]]></category>

		<guid isPermaLink="false">http://scotsmansview.com/?p=195</guid>
		<description><![CDATA[Is your property tax too high?

If you feel your property tax may be too high, now is the time to take action.
Download and print the application form. Then send me an email gordon@thescotsman.com, give me your address and I will have 3 comparable sales sent to you which you should attach with the application.
Do it [...]


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<li><a href='http://thescotsman.com/2008/10/bank-owned-property-statistics/' rel='bookmark' title='Permanent Link: Bank Owned Property Statistics.'>Bank Owned Property Statistics.</a></li>
<li><a href='http://thescotsman.com/2007/11/inventory-creeps-higher-2/' rel='bookmark' title='Permanent Link: Inventory Creeps higher'>Inventory Creeps higher</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Is your property tax too high?</p>
<p><img class="alignleft" title="cut your property tax" src="http://tbn3.google.com/images?q=tbn:TczPxnstDQb1IM:http://www.triplepundit.com/tax.jpg" alt="" width="126" height="110" /></p>
<p>If you feel your property tax may be too high, now is the time to take action.</p>
<p>Download and print the<a href="http://www.acgov.org/forms/assessor/2009_2010_informal_request_decline_market_value.pdf"> application form</a>. Then send me an email gordon@thescotsman.com, give me your address and I will have 3 comparable sales sent to you which you should attach with the application.</p>
<p>Do it early!</p>



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