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	<title>Rick Chapman Realtor</title>
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	<link>http://www.rchapmanrealtor.com</link>
	<description>Real Estate Professional</description>
	<lastBuildDate>Sat, 19 May 2012 05:12:44 +0000</lastBuildDate>
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		<title>Mortgage Monday: Home Sales Increase in Seattle, Washington</title>
		<link>http://www.rchapmanrealtor.com/2012/05/14/mortgage-monday-home-sales-increase-in-seattle-washington/</link>
		<comments>http://www.rchapmanrealtor.com/2012/05/14/mortgage-monday-home-sales-increase-in-seattle-washington/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:16:39 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1639</guid>
		<description><![CDATA[Home Sales Increase in Seattle, Washington
With the number of homes for sale decreasing in the Seattle, Washington market, home sales are seeing an increase over last year of 9%. Multiple offers are back as a part of the home sales market. Lower inventory, plus low interest rates, equals a sellers&#8217; market. If you have been [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/05/14/mortgage-monday-home-sales-increase-in-seattle-washington/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seller Saturday: Seattle Real Estate Market Improves</title>
		<link>http://www.rchapmanrealtor.com/2012/05/05/seller-saturday-seattle-real-estate-market-improves/</link>
		<comments>http://www.rchapmanrealtor.com/2012/05/05/seller-saturday-seattle-real-estate-market-improves/#comments</comments>
		<pubDate>Sat, 05 May 2012 21:13:19 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Seller]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1631</guid>
		<description><![CDATA[Seattle Real Estate Market Improves
The real estate market in Seattle, Washington is showing a marked improvement over last year. In the Windermere office where I have my license the brokers are getting busy. I, too, am getting busier than I have been in a long time. For the last three weeks many of the homes [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Why Do They Use Blue Ink For Signings?</title>
		<link>http://www.rchapmanrealtor.com/2012/05/04/escrow-thursday-why-do-they-use-blue-ink-for-signings/</link>
		<comments>http://www.rchapmanrealtor.com/2012/05/04/escrow-thursday-why-do-they-use-blue-ink-for-signings/#comments</comments>
		<pubDate>Fri, 04 May 2012 13:59:28 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1629</guid>
		<description><![CDATA[Why Do They Use Blue Ink For Signings?
All escrow companies want you to sign the documents for the sale or purchase of your home in blue ink. I have always wondered why this was done. I have asked that question of escrow officers in the past and I received a less than satisfactory answer. &#8220;That&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/05/04/escrow-thursday-why-do-they-use-blue-ink-for-signings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Streamlining Short Sales</title>
		<link>http://www.rchapmanrealtor.com/2012/04/30/morgage-monday-streamlining-short-sales/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/30/morgage-monday-streamlining-short-sales/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 16:27:53 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1620</guid>
		<description><![CDATA[Streamlining Short Sales
New requirements from the Federal Housing Administration has made it quicker for short sales to be completed in less than 6 months. The new requirements set forth a 30-day response for short sales after all required documents have been submitted and third party consents have been received. The usual practice has been longer [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Steps to Home Ownership</title>
		<link>http://www.rchapmanrealtor.com/2012/04/23/mortgage-monday-steps-to-home-ownership/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/23/mortgage-monday-steps-to-home-ownership/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 15:17:29 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1617</guid>
		<description><![CDATA[Steps to Home Ownership
1. Get pre-approved for a loan. Get together with your loan officer or get a referral from your Real Estate Professional and get that pre-approval letter. Keep in mind that you do not want the letter to reflect the maximum you can borrow toward a home purchase. There will be added costs [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Title Insurance</title>
		<link>http://www.rchapmanrealtor.com/2012/04/20/escrow-thursday-title-insurance-2/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/20/escrow-thursday-title-insurance-2/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 18:01:37 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1609</guid>
		<description><![CDATA[Title Insurance
Title insurance is an insurance policy that you purchase that will cover you during the transfer of title during a sale or purchase of your home or property. It is a policy that will pay for loss of title transfer due to a lien on the property. There are a lot of issues that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Conflicting News</title>
		<link>http://www.rchapmanrealtor.com/2012/04/17/mortgage-monday-conflicting-news/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/17/mortgage-monday-conflicting-news/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 01:19:31 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1607</guid>
		<description><![CDATA[Conflicting News
If you read The Seattle Times on Sunday you read an article that told of how difficult it was to get a home loan at this time. The writer went on to say that he was only reporting the averages. The average FICO score that was approved for a loan was 764, which was [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: Deed Definitions</title>
		<link>http://www.rchapmanrealtor.com/2012/04/12/escrow-thursday-deed-definitions/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/12/escrow-thursday-deed-definitions/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 15:32:34 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1602</guid>
		<description><![CDATA[Deed Definitions

Bargain and Sale Deed:  A deed by which the grantor “bargains, sells and conveys” real property to the grantee.  A bargain and sale deed conveys fee simple title to the grantee and warrants against defects created by the grantor, except for those matters disclosed in the deed.

Personal Representative Deed:  An attorney prepared deed used [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/04/12/escrow-thursday-deed-definitions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: Guest Post by Larry Chandler</title>
		<link>http://www.rchapmanrealtor.com/2012/04/09/mortgage-monday-guest-post-by-larry-chandler/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/09/mortgage-monday-guest-post-by-larry-chandler/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 14:58:17 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1586</guid>
		<description><![CDATA[Questions Home Buyers Should Pose to Their Mortgage Lender
Without a doubt the purchase of a home is one of the largest transactions that most people take on in their lifetime. Due to the sheer size of the purchase, it is a good idea to get all the facts together beforehand. This list illustrates the information [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/04/09/mortgage-monday-guest-post-by-larry-chandler/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Burien, Washington: Burien Books</title>
		<link>http://www.rchapmanrealtor.com/2012/04/07/burien-washington-burien-books/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/07/burien-washington-burien-books/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 23:08:00 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1584</guid>
		<description><![CDATA[Burien Books

Burien is a small town South of Seattle and West of SeaTac Airport. There are many small shops and community activities that take place in the downtown core. Burien Books, a locally owned, independent bookstore, is the feature of this blog post and an upcoming event that will be taking place at the store. [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/04/07/burien-washington-burien-books/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: School Ratings at a Glance</title>
		<link>http://www.rchapmanrealtor.com/2012/04/06/escrow-thursday-school-ratings-at-a-glance/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/06/escrow-thursday-school-ratings-at-a-glance/#comments</comments>
		<pubDate>Fri, 06 Apr 2012 15:07:54 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1581</guid>
		<description><![CDATA[School Ratings as a Glance
Why are schools a part of Escrow Thursday? When ever I have a neighborhood question from one of my buyer clients, I can always find the information they are looking for on an Escrow service website. Not all escrow services provide this information so don&#8217;t expect it to be there just [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/04/06/escrow-thursday-school-ratings-at-a-glance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: How Does an Appraiser Value a Home</title>
		<link>http://www.rchapmanrealtor.com/2012/04/02/mortgage-monday-how-does-an-appraiser-value-a-home/</link>
		<comments>http://www.rchapmanrealtor.com/2012/04/02/mortgage-monday-how-does-an-appraiser-value-a-home/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 17:51:42 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1579</guid>
		<description><![CDATA[How Does an Appraiser Value a Home?
After you have a signed purchase and sale agreement and before your lender releases the funds for your home purchase, they will have an appraisal. The appraiser will research other homes that have sold in the area of the home you have decided to buy. They then look at [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/04/02/mortgage-monday-how-does-an-appraiser-value-a-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: How do I Open Escrow</title>
		<link>http://www.rchapmanrealtor.com/2012/03/29/escrow-thursday-how-do-i-open-escrow/</link>
		<comments>http://www.rchapmanrealtor.com/2012/03/29/escrow-thursday-how-do-i-open-escrow/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 16:53:12 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1573</guid>
		<description><![CDATA[








How do I open escrow?

Opening escrow is the first step in the closing process. Generally, to open an escrow,
the parties to a transaction deliver to an escrow company the earnest money check
and the purchase and sale agreement, which outlines the transaction and provides the
closing date, contingencies and financing details. Anyone involved in a transaction can
“open the [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/03/29/escrow-thursday-how-do-i-open-escrow/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Monday: FHA Refinancing Fees Cut</title>
		<link>http://www.rchapmanrealtor.com/2012/03/26/mortgage-monday-fha-refinancing-fees-cut/</link>
		<comments>http://www.rchapmanrealtor.com/2012/03/26/mortgage-monday-fha-refinancing-fees-cut/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 15:18:03 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Mortgage Information]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1571</guid>
		<description><![CDATA[FHA Refinancing Fees Cut
The Federal Housing Administration announcd that it will cut costs on refinanced loans under the Streamline Refinance Program.
The cost of upfront mortgage insurance on FHA loans will be reduced to 0.01 percent of the loan amount effective June 11, 2012. This is a drop from 1 percent of the loan value.
Qualifying borrowers [...]]]></description>
		<wfw:commentRss>http://www.rchapmanrealtor.com/2012/03/26/mortgage-monday-fha-refinancing-fees-cut/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Escrow Thursday: After There is a Signed Puchase and Sale Agreement</title>
		<link>http://www.rchapmanrealtor.com/2012/03/22/escrow-thursday-after-there-is-a-signed-puchase-and-sale-agreement/</link>
		<comments>http://www.rchapmanrealtor.com/2012/03/22/escrow-thursday-after-there-is-a-signed-puchase-and-sale-agreement/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 15:52:57 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Escrow Information]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Seller]]></category>

		<guid isPermaLink="false">http://www.rchapmanrealtor.com/?p=1568</guid>
		<description><![CDATA[After There is a Signed Purchase and Sale Agreement


Once you have a mutually accepted purchase and sale agreement, your broker will contact the title company and update the file with the buyer and lender information


The title unit will send out updated commitment to all parties in the transaction within a few days via email and [...]]]></description>
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		<slash:comments>0</slash:comments>
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