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	<title>San Diego Real Estate Blog Gary Kent Team</title>
	<link>http://san-diego-real-estate-blog.com</link>
	<description>#1 Site in San Diego for Real Estate</description>
	<lastBuildDate>Sat, 19 Jul 2008 21:32:29 +0000</lastBuildDate>
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		<title>San Diego Home Inspections</title>
		<description><![CDATA[	&#8220;I’ve just had an offer accepted on a home. If my inspector finds things like a leaky roof or the heater doesn’t work, does the seller have to fix the items?&#8221;
	***ANSWER:
Nope. 
	The seller is only LEGALLY required to have:
	1. Operative smoke detectors in the “sleeping areas”.
2. Earthquake straps on the water heater
3. Low flow toilets…unless [...]]]></description>
		<link>http://san-diego-real-estate-blog.com/2008/07/19/home_inspections/</link>
	</item>
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		<title>Soft and Hard Prepay</title>
		<description><![CDATA[	&#8220;I’ve heard the terms ‘soft prepay’ and ‘hard prepay’. What do they mean?&#8221;
	***ANSWER:
As you may know, “prepay” refers to a prepayment penalty that is charged when a home loan is paid off early. Most home loans don’t have prepayment penalties, but some do. For those that do, the penalties are usually for the first 1-5 [...]]]></description>
		<link>http://san-diego-real-estate-blog.com/2008/07/15/soft_prepay/</link>
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		<title>Disclosing Home Problems</title>
		<description><![CDATA[	&#8220;I bought a condo with a cracked slab 5 years ago. We filled it at that time and have not had a problem with anything that we can see since then. I had put in wood floors and new carpet back then and have not looked under either since. Do we have disclose this to [...]]]></description>
		<link>http://san-diego-real-estate-blog.com/2008/07/12/disclosing_problems/</link>
	</item>
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		<title>San Diego Condos</title>
		<description><![CDATA[	&#8220;We rent right now and can barely afford a house, so my wife and I were thinking condo. But I don&#8217;t want to pay those monthly association fees. They&#8217;re a waste of money. Are there any condos without fees?&#8221;
	***ANSWER:
Sorry. With rare exception, buying a condo means you&#8217;ll be paying those pesky &#8220;HOA fees.&#8221; But here&#8217;s [...]]]></description>
		<link>http://san-diego-real-estate-blog.com/2008/07/08/san_diego_condos/</link>
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		<title>Home Buying and Credit Scores</title>
		<description><![CDATA[	&#8220;I recently had a realtor tell me that running my credit multiple times for the purposes of obtaining a home loan/mortgage would not take points off my credit score. Is this true? Is this different than having my credit run several times for, say, an auto loan?&#8221;
	***ANSWER:
That Realtor was correct. To get you the most [...]]]></description>
		<link>http://san-diego-real-estate-blog.com/2008/07/04/credit_scores/</link>
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