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	<title>Naples Real Estate&#187; Buyer Tips</title>
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	<description>Homes for Sale in Naples Florida</description>
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		<title>Short Sales &#8211; Income Tax Effect</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/short-sales-income-tax-effect/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/short-sales-income-tax-effect/#comments</comments>
		<pubDate>Sun, 05 Jul 2009 13:36:34 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[home sales]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[short sales]]></category>

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		<description><![CDATA[Sellers of short sales often are not aware of the income tax effects of the short sale transaction and surprised to receive a form 1099-c. Below is information for sellers of potential short sale transactions. A short sale in real estate occurs when the outstanding loan against a property exceeds the market value of the [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples homes for sale</a>.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Home Valuation Changes</title>
		<link>http://adeltarealty.net/blog/ave-marie-real-estate/homevaluation/</link>
		<comments>http://adeltarealty.net/blog/ave-marie-real-estate/homevaluation/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 21:30:02 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Ave Marie Real Estate]]></category>
		<category><![CDATA[Bonita Springs Florida Real Estate]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Estero Florida Real Estate]]></category>
		<category><![CDATA[Naples Florida Real Estate]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Bonita Springs]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[Estero]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[home appraisals]]></category>
		<category><![CDATA[home valuation]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Naples]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/?p=1420</guid>
		<description><![CDATA[Home Valuation Code of Conduct Changes Effective May 1, 2009 The Federal Housing Financing Agency&#8217;s Home Valuation Code of Conduct (Code, or HVCC) will be effective on May 1, 2009, and will require that the lender order the appraisal. The intent of the Code is to help ensure that borrowers, homebuyers and secondary mortgage market [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples real estate</a>.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Foreclosures Sales Price to List Price in Naples</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/foreclosures-sales-price-list-price-naples/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/foreclosures-sales-price-list-price-naples/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 12:36:12 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Naples Florida Real Estate]]></category>
		<category><![CDATA[Naples Homes]]></category>
		<category><![CDATA[Naples]]></category>
		<category><![CDATA[naples foreclosures]]></category>
		<category><![CDATA[naples real estate]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog/naples-florida-real-estate/foreclosures-sales-price-list-price-naples/</guid>
		<description><![CDATA[A frequent question asked in today&#8217;s real estate market is &#8220;How much will a lender or bank discount the list price of a foreclosed single family home which they own in the Naples area?&#8221; One individual stated that banks are selling these properties with a discount of 25% from the list price or 75% of [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples real estate</a>.]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Naples Florida Real Estate News &#8211; 10/24/07</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-news-102407/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-news-102407/#comments</comments>
		<pubDate>Wed, 24 Oct 2007 21:11:33 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Bonita Springs Homes]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Naples Homes]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
		<category><![CDATA[Seller Tips]]></category>

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		<description><![CDATA[HOME SALES &#8211; Mirroring the national trend, turmoil in the mortgage market impacted Florida’s housing sector in September, despite continued low unemployment rates and other positive economic activity. Statewide sales of existing single-family homes totaled 8,688 last month, a decrease of 38 percent compared to September 2006 activity, according to Florida Association of REALTORS. The [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples Florida real estate</a>.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Naples Florida Real Estate News &#8211; 09/28/07</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-news-092807/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-news-092807/#comments</comments>
		<pubDate>Fri, 28 Sep 2007 20:43:28 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog/real-estate-news/naples-florida-real-estate-news-092807/</guid>
		<description><![CDATA[Today&#8217;s topics cover a lot on mortgages &#8211; rates, fraud, and reform.&#160; What&#8217;s going to happen with the economy &#8211; read one notable economist&#8217;s view. A valuable buyer tip has been added &#8211; based upon investors criteria.&#160;Good advise from the pro&#8217;s for the homebuyer. MORTGAGE RATES &#8211; Rates on 30-year mortgages rose for a second [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples real estate</a>.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Naples Florida Real Estate Taxes</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-taxes/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-florida-real-estate-taxes/#comments</comments>
		<pubDate>Tue, 10 Jul 2007 17:38:18 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog//naples-florida-real-estate-taxes/</guid>
		<description><![CDATA[I received a question today, that my answer could be informative for potential purchasers of Naples FL real estate.  I have another question for you. A friend of mine living in Florida, told me the way to figure out how much you&#8217;ll be paying in taxes is, it&#8217;s $12.00 per $1,000 in Florida. Is this true for all [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples condos for sale</a>.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Naples Condo Values Vary</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-condo-values-vary/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/naples-condo-values-vary/#comments</comments>
		<pubDate>Thu, 08 Mar 2007 08:37:08 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog//naples-condo-values-vary/</guid>
		<description><![CDATA[Often people want to know from a real estate agent&#8217;s point of view where they should consider buying a condo.Â  Recently,Â a fewÂ people asked about some three different bundled golf course communities.Â  Looking at closed sales for the past six months and the previous six months the results for the average price paid was rather interesting [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples real estate</a>.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Agent Representation</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/real-estate-agent-representation/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/real-estate-agent-representation/#comments</comments>
		<pubDate>Fri, 09 Feb 2007 00:58:42 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog//real-estate-agent-representation/</guid>
		<description><![CDATA[Today, Jim Messenger found an interesting and somewhat misleading article about real estate agents representing buyers. Personally, I found the author of the article rather misinformed or not doing sufficient research to realize that various states have different laws governing real estate brokerage and do vary from state to state. If you are a buyer [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples homes for sale</a>.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>10 Fixed Option ARM</title>
		<link>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/10-fixed-option-arm/</link>
		<comments>http://adeltarealty.net/blog/real-estate-tips/buyer-tips/10-fixed-option-arm/#comments</comments>
		<pubDate>Mon, 18 Dec 2006 16:37:51 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Real Estate Tips]]></category>

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		<description><![CDATA[The 10 Year FIXED Option ARM solves the problem of the option ARM in the borrower&#8217;s favor. First and most importantly, the actual rate at which the loan accrues interest is FIXED for the first 10 years. The borrower will not get run over by a rising rate market. Second, the loan allows for the [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples real estate</a>.]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Year-End Bonus In Your Future?</title>
		<link>http://adeltarealty.net/blog/naples-florida-real-estate/year-end-bonus-in-your-future/</link>
		<comments>http://adeltarealty.net/blog/naples-florida-real-estate/year-end-bonus-in-your-future/#comments</comments>
		<pubDate>Mon, 04 Dec 2006 20:22:23 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Bonita Springs Florida Real Estate]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Estero Florida Real Estate]]></category>
		<category><![CDATA[Naples Florida Real Estate]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://adeltarealty.net/blog//year-end-bonus-in-your-future/</guid>
		<description><![CDATA[Are you expecting a year-end or holiday bonus this year?&#194;&#160; The calendar year-end (December 31st) is fast approaching, here is a money savings hint that might be applicable to your own personal situation. Some lenders will recast your monthly mortgage payment, if you make a substantial principal payment.&#194;&#160; Recasting is&#194;&#160;after a substantial payment towards&#194;&#160;the outstanding [...]Click here to learn about <a href="http://www.adeltarealty.net/">Naples Florida real estate</a>.]]></description>
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		<slash:comments>0</slash:comments>
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