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	<title>SF Bay Area Woman&#039;s Journal &#187; Real Estate</title>
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	<link>http://www.bayareawj.com</link>
	<description>Grow Your Life-Grow Your Business!  Connecting women to amazing resources and locally owned business in the East Bay, North Bay, South Bay, Peninsula and San Francisco!</description>
	<lastBuildDate>Fri, 20 Jan 2012 13:55:32 +0000</lastBuildDate>
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		<title>Refinance Your Mortgage Now: Top 6 Reasons!</title>
		<link>http://www.bayareawj.com/refinance-your-mortgage-now-top-6-reasons/</link>
		<comments>http://www.bayareawj.com/refinance-your-mortgage-now-top-6-reasons/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 16:47:48 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=8652</guid>
		<description><![CDATA[Lower Rates Aren’t the Only Perk to Refinancing In Today’s Market! The media is making it sound like everyone is “under water” on their home loans with news of declining values and high mortgage balances.  While this is the case with some, many people still have equity in their homes.  by Allison Gervais San Francisco Mortgage [...]]]></description>
			<content:encoded><![CDATA[

Lower Rates Aren’t the Only Perk to Refinancing In Today’s Market!

The media is making it sound like everyone is “under water” on their home loans with news of declining values and high mortgage balances.  While this is the case with
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		<item>
		<title>Divorce and Your Home:  How to Split your Most Important Asset</title>
		<link>http://www.bayareawj.com/divorce-and-your-home-how-to-split-your-most-important-asset/</link>
		<comments>http://www.bayareawj.com/divorce-and-your-home-how-to-split-your-most-important-asset/#comments</comments>
		<pubDate>Mon, 24 May 2010 11:11:00 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[highlight]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=6647</guid>
		<description><![CDATA[The declining real estate market has added another headache to couples who are divorcing… “What should we do with our home?” by Allison Gervais Sr. Mortgage Loan Consultant Many couples are forced to come up with creative ways to dea]]></description>
			<content:encoded><![CDATA[

The declining real estate market has added another headache to couples who are divorcing… “What should we do with our home?”

by Allison Gervais
Sr. Mortgage Loan Consultant

Many couples are forced to come up with creative ways to dea
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		<item>
		<title>Living in Earthquake Country – Are You Ready?</title>
		<link>http://www.bayareawj.com/living-in-earthquake-country-are-you-ready/</link>
		<comments>http://www.bayareawj.com/living-in-earthquake-country-are-you-ready/#comments</comments>
		<pubDate>Thu, 13 May 2010 01:57:44 +0000</pubDate>
		<dc:creator>Deborah-Lopez</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[DLo]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Help]]></category>
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		<guid isPermaLink="false">http://www.bayareawj.com/?p=6363</guid>
		<description><![CDATA[Having lived through the 1989 Loma Prieta earthquake as a homeowner in San Francisco,  I often find it helpful to review with my family not only the steps to take to make sure our homes are safe, but what to do in case there is a quake. by De]]></description>
			<content:encoded><![CDATA[

Having lived through the 1989 Loma Prieta earthquake as a homeowner in San Francisco,  I often find it helpful to review with my family not only the steps to take to make sure our homes are safe, but what to do in case there is a quake.

by De
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		</item>
		<item>
		<title>Creative Ways to Lower Your House Payment!</title>
		<link>http://www.bayareawj.com/creative-ways-to-lower-your-house-payment/</link>
		<comments>http://www.bayareawj.com/creative-ways-to-lower-your-house-payment/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 12:52:10 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=5657</guid>
		<description><![CDATA[I have spoken with countless people who are having a difficult time making their mortgage payments.  Most often it is due to a job layoff or divorce.  by Allison Gervais Sofnas Sr. Mortgage Loan Consultant Th]]></description>
			<content:encoded><![CDATA[

I have spoken with countless people who are having a difficult time making their mortgage payments.  Most often it is due to a job layoff or divorce. 

by Allison Gervais Sofnas
Sr. Mortgage Loan Consultant
<p style="text-align: center;">Th
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		</item>
		<item>
		<title>5 BIG Changes Coming Up in the Mortgage Industry!</title>
		<link>http://www.bayareawj.com/5-big-changes-coming-up-in-the-mortgage-industry/</link>
		<comments>http://www.bayareawj.com/5-big-changes-coming-up-in-the-mortgage-industry/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 12:13:52 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[highlight]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=3739</guid>
		<description><![CDATA[2010 is bringing some big changes in the mortgage industry that will affect interest rates, taxes, and qualification. If you are thinking about buying a home or refinancing, you need to be aware of these changes!   Following are some of the]]></description>
			<content:encoded><![CDATA[

2010 is bringing some big changes in the mortgage industry that will affect interest rates, taxes, and qualification. If you are thinking about buying a home or refinancing, you need to be aware of these changes!  

Following are some of the 
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		<item>
		<title>Six Ways to Help your Realtor Sell Your Home!</title>
		<link>http://www.bayareawj.com/six-ways-to-help-your-realtor-sell-your-home/</link>
		<comments>http://www.bayareawj.com/six-ways-to-help-your-realtor-sell-your-home/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 13:38:59 +0000</pubDate>
		<dc:creator>Deborah-Lopez</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[DLo]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=3512</guid>
		<description><![CDATA[Yes, Virginia, there are buyers ready to purchase your home this spring! The 2010 San Francisco market is brisk and homes are selling before they even hit the market! by Deborah Lopez Well-priced, quality homes are getting multiple offers]]></description>
			<content:encoded><![CDATA[

Yes, Virginia, there are buyers ready to purchase your home this spring! The 2010 San Francisco market is brisk and homes are selling before they even hit the market!

by Deborah Lopez

Well-priced, quality homes are getting multiple offers 
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		<item>
		<title>Missed Deadlines and Your Mortgage&#8230;</title>
		<link>http://www.bayareawj.com/missed-deadlines-and-your-mortgage/</link>
		<comments>http://www.bayareawj.com/missed-deadlines-and-your-mortgage/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 16:33:33 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[highlight]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=2632</guid>
		<description><![CDATA[The unbelievable story of what happens to your mortage closing when the bank misses its own deadlines! A loan is expected to fund and I’m supposed to get fully compensated for my work.  Neither happened on this day.  When I tell you why,]]></description>
			<content:encoded><![CDATA[

The unbelievable story of what happens to your mortage closing when the bank misses its own deadlines! A loan is expected to fund and I’m supposed to get fully compensated for my work.  Neither happened on this day.  

When I tell you why,
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		<title>Real Estate: Buy or Sell in 2010?</title>
		<link>http://www.bayareawj.com/real-estate-buy-or-sell-in-2010/</link>
		<comments>http://www.bayareawj.com/real-estate-buy-or-sell-in-2010/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 15:51:01 +0000</pubDate>
		<dc:creator>Deborah-Lopez</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[DLo]]></category>
		<category><![CDATA[highlight]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=2335</guid>
		<description><![CDATA[I think we're all thrilled to be starting a new year and here’s hoping that it’s a good one!  While we expect the San Francisco real estate market to continue to be challenging, there is no question that this is the season to be buying. ]]></description>
			<content:encoded><![CDATA[

I think we're all thrilled to be starting a new year and here’s hoping that it’s a good one!  While we expect the San Francisco real estate market to continue to be challenging, there is no question that this is the season to be buying. 

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		<item>
		<title>Seven Tips for a Warm and Green Holiday Season!</title>
		<link>http://www.bayareawj.com/seven-tips-for-a-warm-and-green-holiday-season/</link>
		<comments>http://www.bayareawj.com/seven-tips-for-a-warm-and-green-holiday-season/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 15:12:14 +0000</pubDate>
		<dc:creator>Deborah-Lopez</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[DLo]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Inspiration]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=1821</guid>
		<description><![CDATA[This has been a challenging year for all of us and I’m glad the holidays have rolled around to bring some good cheer. The best part of my business is seeing my clients happily settled in their new homes, so the holidays always have a special]]></description>
			<content:encoded><![CDATA[

This has been a challenging year for all of us and I’m glad the holidays have rolled around to bring some good cheer. The best part of my business is seeing my clients happily settled in their new homes, so the holidays always have a special 
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		<title>Homebuyer Tax Credits:Not Just For First Timers!</title>
		<link>http://www.bayareawj.com/homebuyer-tax-creditsnot-just-for-first-timers/</link>
		<comments>http://www.bayareawj.com/homebuyer-tax-creditsnot-just-for-first-timers/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 19:54:47 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=1791</guid>
		<description><![CDATA[Make way for the new and improved Homebuyer Tax Credit. It's not just for first-time home buyers anymore. You may qualify. by Allison Gervais The law, which was extended and amended through April of 2010, also includes provisions th]]></description>
			<content:encoded><![CDATA[



Make way for the new and improved Homebuyer Tax Credit. It's not just for first-time home buyers anymore. You may qualify.



by Allison Gervais

The law, which was extended and amended through April of 2010, also includes provisions th
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