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	<title>Buying and Selling Your Davis, CA Home with Keller Williams agent Carmen Isais</title>
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	<link>http://focusondavis.com</link>
	<description>Davis, CA Real Estate</description>
	<lastBuildDate>Wed, 28 Apr 2010 04:23:00 +0000</lastBuildDate>
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		<title>What is a &#8220;Green&#8221; Home?</title>
		<link>http://focusondavis.com/2010/04/eco-homes/</link>
		<comments>http://focusondavis.com/2010/04/eco-homes/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 04:08:54 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Eco-Homes]]></category>
		<category><![CDATA[davis eco homes]]></category>
		<category><![CDATA[davis gree homes]]></category>
		<category><![CDATA[green building]]></category>

		<guid isPermaLink="false">http://focusondavis.com/?p=622</guid>
		<description><![CDATA[According to the Santa Monica OSE (Office of Sustainability and the Environment), a  &#8220;green&#8221; building places a high priority on health, environmental and  resource conservation performance over its life-cycle. These new  priorities expand and complement the classical building design concerns:  economy, utility, durability, and delight. Green design emphasizes a  number of [...]]]></description>
			<content:encoded><![CDATA[<p>According to the Santa Monica OSE (Office of Sustainability and the Environment), a  &#8220;green&#8221; building places a high priority on health, environmental and  resource conservation performance over its life-cycle. These new  priorities expand and complement the classical building design concerns:  economy, utility, durability, and delight. Green design emphasizes a  number of new environ-mental, resource and occupant health concerns:</p>
<p><a href="http://focusondavis.com/wp-content/uploads/2010/04/sacramento-davis-green-home.jpg"><img class="alignleft size-medium wp-image-628" style="margin: 15px;" title="sacramento-davis-green-home" src="http://focusondavis.com/wp-content/uploads/2010/04/sacramento-davis-green-home-300x190.jpg" alt="" width="263" height="187" /></a></p>
<ul>
<li>Reduce human exposure to noxious materials.</li>
<li>Conserve non-renewable energy and scarce materials.</li>
<li>Minimize life-cycle ecological impact of energy and materials used.</li>
<li>Use renewable energy and materials that are sustainably harvested.</li>
<li>Protect and restore local air, water, soils, flora and fauna.</li>
<li>Support pedestrians, bicycles, mass transit and other alternatives  to fossil-fueled vehicles.</li>
</ul>
<p>Most green buildings are high-quality buildings; they last longer, cost  less to operate and maintain, and provide greater occupant satisfaction  than standard developments. Sophisticated buyers and lessors prefer  them, and are often willing to pay a premium for their advantages.</p>
<p>What  surprises many people unfamiliar with this design movement is that good  green buildings often cost little or no more to build than conventional  designs. Commitment to better performance, close teamwork throughout  the design process, openness to new approaches, and information on how  these are best applied are more important than a large construction  budget.</p>
<h2 style="text-align: center;">Sustainable Home Examples</h2>
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<p>While these homes are not located in Davis, California, they do serve as inspiration.</p>
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		<title>39664 Covey Court &#8211; North Davis Living on the Green</title>
		<link>http://focusondavis.com/2010/04/39664-covey-court/</link>
		<comments>http://focusondavis.com/2010/04/39664-covey-court/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 23:45:58 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[New Listings]]></category>
		<category><![CDATA[North Davis]]></category>
		<category><![CDATA[Davis CA real estate]]></category>
		<category><![CDATA[davis homes for sale]]></category>
		<category><![CDATA[Golf in Davis]]></category>

		<guid isPermaLink="false">http://focusondavis.com/?p=619</guid>
		<description><![CDATA[
Impressive custom one story on a huge almost one acre lot in North Davis Meadows. Enjoy the deck over looking your beautifully landscaped yard with pool and spa. Inside, walk into a lovely formal living &#38; dining room with vaulted ceilings and wood floors, a kitchen with granite slab countertops and stainless steel appliances. The [...]]]></description>
			<content:encoded><![CDATA[<p><object id="vp11Fbsb" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="432" height="240" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://static.animoto.com/swf/w.swf?w=swf/vp1&amp;e=1271374916&amp;f=1FbsbXY1WbAuKlEEupt8yw&amp;d=71&amp;m=p&amp;r=w&amp;i=m&amp;ct=Focus%20On%20Davis%20Community%20%26%20Life&amp;cu=http://www.focusondavis.com&amp;options=" /><param name="allowfullscreen" value="true" /><embed id="vp11Fbsb" type="application/x-shockwave-flash" width="432" height="240" src="http://static.animoto.com/swf/w.swf?w=swf/vp1&amp;e=1271374916&amp;f=1FbsbXY1WbAuKlEEupt8yw&amp;d=71&amp;m=p&amp;r=w&amp;i=m&amp;ct=Focus%20On%20Davis%20Community%20%26%20Life&amp;cu=http://www.focusondavis.com&amp;options=" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
<p>Impressive custom one story on a huge almost one acre lot in North Davis Meadows. Enjoy the deck over looking your beautifully landscaped yard with pool and spa. Inside, walk into a lovely formal living &amp; dining room with vaulted ceilings and wood floors, a kitchen with granite slab countertops and stainless steel appliances. The HVAC is about 3 years old. Also, fire sprinklers and an area for RV parking. It&#8217;s all designed for the good life and you can walk to the first tee.</p>
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		<item>
		<title>Buy Vacation Home in Haste, Regret at Leisure</title>
		<link>http://focusondavis.com/2010/04/buy-vacation-home-in-haste-regret-at-leisure/</link>
		<comments>http://focusondavis.com/2010/04/buy-vacation-home-in-haste-regret-at-leisure/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 18:13:52 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Vacation Homes/Second Homes]]></category>
		<category><![CDATA[1031 exchange]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[lake tahoe]]></category>
		<category><![CDATA[second home]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://focusondavis.com/?p=615</guid>
		<description><![CDATA[With vacation home purchases on the upswing, here are some things that potential buyers should ask themselves:
 * What will the maintenance costs be? They’ll have to pay them even when they are not there.
* Does the weather drive up insurance and other costs?
* How popular is the area? Will hoards of people make coming [...]]]></description>
			<content:encoded><![CDATA[<p>With vacation home purchases on the upswing, here are some things that potential buyers should ask themselves:</p>
<p><a href="http://focusondavis.com/wp-content/uploads/2010/04/north-lake-tahoe-ski-lodging-cabin2.jpg"><img class="alignleft size-medium wp-image-616" style="margin: 10px;" title="north-lake-tahoe-ski-lodging-cabin2" src="http://focusondavis.com/wp-content/uploads/2010/04/north-lake-tahoe-ski-lodging-cabin2-300x199.jpg" alt="" width="250" height="149" /></a> * What will the maintenance costs be? They’ll have to pay them even when they are not there.<br />
* Does the weather drive up insurance and other costs?<br />
* How popular is the area? Will hoards of people make coming and going difficult?<br />
* Is getting there no fun? Some isolated places are really beautiful, but the airport is a long way.<br />
* Will all the grandchildren or other welcome visitors fit? Or is this vacation home just too small?<br />
* Can it be rented? If an owner needs to reduce costs, is there a market?<br />
* Do they really want to go there every weekend?</p>
<p>Source: The Wall Street Journal, Sushil Cheema (03/29/2010)</p>
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		<item>
		<title>There is Still Time to Claim Your Homebuyer Tax Credit</title>
		<link>http://focusondavis.com/2010/02/there-is-still-time-to-claim-your-homebuyer-tax-credit/</link>
		<comments>http://focusondavis.com/2010/02/there-is-still-time-to-claim-your-homebuyer-tax-credit/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 17:44:34 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Home Buyer Tax Credits]]></category>
		<category><![CDATA[1st time home buyer]]></category>
		<category><![CDATA[davis ca homes for sale]]></category>
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		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[homebuyer tax credit]]></category>
		<category><![CDATA[incentive program]]></category>
		<category><![CDATA[Living In Davis]]></category>
		<category><![CDATA[moving in the right direction]]></category>
		<category><![CDATA[principal residence]]></category>
		<category><![CDATA[sellers credit]]></category>

		<guid isPermaLink="false">http://focusondavis.com/?p=571</guid>
		<description><![CDATA[The April 30, 2010, deadline is fast approaching to have purchased – or be under a binding contract to purchase – a home and still receive a tax credit under the best government-sponsored homebuyer incentive program to come along in decades. After that deadline, the program will most likely disappear for good.
Do You Qualify?
Under the [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://focusondavis.com/wp-content/uploads/2010/02/home+buyer+tax+credit+davis+ca.jpg"><img class="alignleft size-full wp-image-572" style="margin: 10px;" title="home+buyer+tax+credit+davis+ca" src="http://focusondavis.com/wp-content/uploads/2010/02/home+buyer+tax+credit+davis+ca.jpg" alt="" width="280" height="280" /></a>The April 30, 2010, deadline is fast approaching to have purchased – or be under a binding contract to purchase – a home and still receive a tax credit under the best government-sponsored homebuyer incentive program to come along in decades. After that deadline, the program will most likely disappear for good.</p>
<p><strong>Do You Qualify?</strong><br />
Under the federal program, first-time homebuyers can receive a tax credit of up to $8,000, and current homeowners can receive a tax credit of up to $6,500 when they buy a home as their principal residence.</p>
<ul>
<li>A first-time homebuyer is defined as someone who has not purchased a primary residence in the past three years.</li>
<li>Current homeowners must have lived in the same principal residence for at least five consecutive years out of the eight years leading up to the date of the purchase to qualify.</li>
<li>The extended credit applies to homes purchased between Nov. 7, 2009 &amp; April 30, 2010.</li>
<li><a href="http://www.irs.gov/pub/irs-pdf/f5405.pdf" target="_blank">Form 5405</a> must be completed &amp; filed with your taxes in order to receive the tax credit.</li>
</ul>
<p>Anyone who knows me knows I have a pet peeve about over use of  exclamation marks&#8230;  But. really, time is running out. The time to act is NOW – without delay!</p>
<p>If you have any questions or are simple ready to get out there and start seriously looking to invest in your future and property, <strong><a href="http://focusondavis.com/contact-carmen/">contact Carmen</a> at 530.601.1003</strong> and let&#8217;s get moving in the right direction.</p>
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		<title>Top Five Davis Homes Under $400,000</title>
		<link>http://focusondavis.com/2010/02/top-five-davis-homes-under-400000/</link>
		<comments>http://focusondavis.com/2010/02/top-five-davis-homes-under-400000/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 21:25:13 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[New Listings]]></category>
		<category><![CDATA[bank owned property]]></category>
		<category><![CDATA[Best starter omes in davis]]></category>
		<category><![CDATA[Central Davis]]></category>
		<category><![CDATA[davis california]]></category>
		<category><![CDATA[East Davis]]></category>
		<category><![CDATA[entry level housing in Davis ca]]></category>
		<category><![CDATA[Living In Davis]]></category>
		<category><![CDATA[mls]]></category>

		<guid isPermaLink="false">http://focusondavis.com/?p=558</guid>
		<description><![CDATA[With few homes on the market under this $417,000 this price range, I thought I'd bring my top five to your attention-- all with honest feedback, something you might not necessarily find on MLS. ]]></description>
			<content:encoded><![CDATA[<p><a href="http://focusondavis.com/wp-content/uploads/2010/02/Central+Davis+California+Homes+for+Sale.jpg"><img class="alignleft size-medium wp-image-562" style="margin: 10px;" title="Central+Davis+California+Homes+for+Sale" src="http://focusondavis.com/wp-content/uploads/2010/02/Central+Davis+California+Homes+for+Sale-300x233.jpg" alt="Central Davis Cottage" width="300" height="233" /></a>With home mortgages harder to come by, many of my buyers are determined to stay within <a href="http://en.wikipedia.org/wiki/Conforming_loan" target="_blank">conforming guidelines</a> and purchase at or under $417,000.  In Davis, California, however, the real estate market has not suffered the same fate as its neighbors in West Sacramento or Woodland and home prices, while having dropped, are still relatively higher than the surrounding areas.</p>
<p>With few homes on the market under this $417,000 this price range, I thought I&#8217;d bring my top five to your attention&#8211; all with honest feedback, something you might not necessarily find on MLS.</p>
<p>For more information regarding these homes <a href="http://focusondavis.com/wp-content/uploads/2010/02/Davis-Homes-For-Sale-Under-400K.pdf">download the flyers here</a>, or give me a call at <strong>530.601.1003</strong> to schedule a private viewi</p>
<h3>Top Five Davis Homes Under $400,000</h3>
<p><strong>3001 Bryant Place: <span style="font-weight: normal;">This three bedroom, two bath home is a Fannie Mae, Bank Owned Property, not something we typically see in the city of Davis, but becoming more prevalent. The home appears to need some exterior work needed, but nothing perhaps major. I would suggest a Pest Inspection to find out the health of this home&#8217;s exterior. In any event,  h good paint job, both in and out will make a world of difference for Bryant Place.  Being a Fannie Mae listing, the home comes with a with a two year home warranty&#8211; something else you are likely to see in an REO. Offered at  <strong>$399,500</strong></span></strong></p>
<div id="attachment_560" class="wp-caption alignleft" style="width: 310px"><a title="K Street, Central Davis Home" href="http://focusondavis.com/wp-content/uploads/2010/02/Downtown+Davis+real+estate.jpg"><img class="size-medium wp-image-560  " style="margin: 10px;" title="Downtown+Davis+real+estate" src="http://focusondavis.com/wp-content/uploads/2010/02/Downtown+Davis+real+estate-300x199.jpg" alt="" width="300" height="199" /></a><p class="wp-caption-text">K Street Cottage, Central Davis</p></div>
<p><strong>427 K Street: </strong>Adorable, <a href="http://focusondavis.com/2007/11/central-davis/">Central Davis</a> cottage home. Has loads of character and charm that most architecture in Davis simply does not.  Built in the 1920&#8217;s, this home has had some upgrades, including newer wiring in 2009 and dual paned windows in 2003.  Natural lighting throughout and big windows makes this home one of my favorites on the list.  There is an engineering report out there that indicates the home is in need of some foundation retro-fit. This is not uncommon with homes of this age.  Heck, if I had come to be in 1920 I might be in need a retro-fit  myself&#8230; Offered at <strong>$395,000</strong>.</p>
<p><strong>5072 Veranda Ter: </strong>This townhouse is attached, but has a cozy, &#8220;home&#8221; feel to it, so I included it on the list&#8230; clean, move-in ready, fireplace and a private backyard. Priced well at <strong>$335,999.</strong></p>
<p><strong>1400 Whittier Drive: </strong>This traditional <a href="http://focusondavis.com/2007/11/east-davis/">East Davis</a> home has a lot of potential. Certainly livable as is, but upgrades throughout, from fixtures to uniform flooring, would pull this would-be cutie, together.  The good news is at $334,900, even with the needed upgrades, you&#8217;d have yourself  a great buy.</p>
<div id="attachment_561" class="wp-caption alignright" style="width: 310px"><a href="http://focusondavis.com/wp-content/uploads/2010/02/Selling+your+home+davis.jpg"><img class="size-medium wp-image-561 " style="margin: 10px;" title="Selling+your+home+davis" src="http://focusondavis.com/wp-content/uploads/2010/02/Selling+your+home+davis-300x225.jpg" alt="" width="300" height="225" /></a><p class="wp-caption-text">Javier Place, East Davis Home</p></div>
<p><strong>2721 Javier Place: </strong>Another bank owned property on our list today. Javier, right off of  Tulip is situated in the newer part of <a href="http://focusondavis.com/2007/11/east-davis/">East Davis</a>. This home is in much better condition than our first REO property on Bryant Place, and is a much better deal&#8211; just look  at the pricing. Quiet, clean, with a good sized, corner lot. Offered at <strong>$359,000</strong>.</p>
<p><strong>Want more information on these homes? <a href="http://focusondavis.com/wp-content/uploads/2010/02/Davis-Homes-For-Sale-Under-400K.pdf" target="_blank">Click Here</a></strong><strong> or <a href="http://focusondavis.com/contact-carmen/">Contact Me</a> Today.</strong></p>
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		<title>$8,000 First-time Home Buyer Tax Credit at a Glance</title>
		<link>http://focusondavis.com/2009/11/8000-first-time-home-buyer-tax-credit-at-a-glance/</link>
		<comments>http://focusondavis.com/2009/11/8000-first-time-home-buyer-tax-credit-at-a-glance/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 19:15:59 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Ask a Realtor]]></category>
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		<guid isPermaLink="false">http://focusondavis.com/?p=580</guid>
		<description><![CDATA[Actively working as real estate agent in Davis, CA,  I&#8217;ve had the thrill of meeting many of my online blog readers in person. after more than one request, I&#8217;ve decided to deliver.
Basics of the $8000 Federal Tax Incentive for First Time Home Buyers

The $8,000 tax credit is for first-time home buyers only. For the tax [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://focusondavis.com/wp-content/uploads/2009/11/home+buyer+tax+credit+woodland+ca.jpg"><img class="alignleft size-medium wp-image-583" style="margin: 10px;" title="Tax return check" src="http://focusondavis.com/wp-content/uploads/2009/11/home+buyer+tax+credit+woodland+ca-300x150.jpg" alt="" width="240" height="120" /></a>Actively working as real estate agent in Davis, CA,  I&#8217;ve had the thrill of meeting many of my online blog readers in person. after more than one request, I&#8217;ve decided to deliver.</p>
<h2>Basics of the $8000 Federal Tax Incentive for First Time Home Buyers</h2>
<ul>
<li>The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.</li>
<li>The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.</li>
<li>The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.</li>
<li>The tax credit applies only to homes priced at $800,000 or less.</li>
<li>The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.</li>
<li>For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.</li>
<li>For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.</li>
</ul>
<p>The $6,500 Move-Up / Repeat Home Buyer Tax Credit at a Glance</p>
<ul>
<li>To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.</li>
<li>The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.</li>
<li>The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.</li>
<li>The tax credit applies only to homes priced at $800,000 or less.</li>
<li>The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.</li>
<li>Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.</li>
</ul>
<p>If you have any questions regarding the first time home buying process, please do not hesitate in <a href="http://focusondavis.com/contact-carmen/">contacting me</a>, Carmen Isais, or calling me directly at <strong>530.601.1003</strong>.</p>
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		<title>2724 Ottowa Drive &#8211; West Davis, CA</title>
		<link>http://focusondavis.com/2009/11/2724-ottowa-drive-west-davis-ca/</link>
		<comments>http://focusondavis.com/2009/11/2724-ottowa-drive-west-davis-ca/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 22:10:43 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Neighborhoods]]></category>
		<category><![CDATA[New Listings]]></category>
		<category><![CDATA[West Davis]]></category>
		<category><![CDATA[1st time home buyer]]></category>
		<category><![CDATA[Davis ca]]></category>
		<category><![CDATA[Davis CA community]]></category>
		<category><![CDATA[davis investment properties]]></category>
		<category><![CDATA[davis real estate]]></category>
		<category><![CDATA[davis real estate agents]]></category>
		<category><![CDATA[Davis+ca+Homes+for+sale]]></category>
		<category><![CDATA[davis+short+sale]]></category>
		<category><![CDATA[dough arnold real estate]]></category>
		<category><![CDATA[keller+williams+realty+davis]]></category>

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		<description><![CDATA[]]></description>
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<p>
Beautiful Sonoma plan with living room and family room. Updated throughout with wood floors, dual paned windows, fresh paint and new roof. Located on a large lot with easy to maintain landscaping and plenty of possibilities. West Davis location is close to schools, shopping and bus lines.</p>
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		<title>New Listings in Davis</title>
		<link>http://focusondavis.com/2009/09/new-listings-in-davis/</link>
		<comments>http://focusondavis.com/2009/09/new-listings-in-davis/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 23:20:45 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[New Listings]]></category>
		<category><![CDATA[Davis+Homes+For+sale]]></category>
		<category><![CDATA[Real Estate Help]]></category>

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		<description><![CDATA[Listed over the weekend are the following homes for sale:

 $549,000 403 Anza Ave 1548
4 bed, 2 bath
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;
$360,000 938 Snyder Dr 1100
3bed, 2 bath
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;

$750,000 3107 Evening Bay Pl 2439
4 bed, 2 bath
For more details or to scedule a viewing contact Carmen at Coldwell Banker today. 530.601.1003
]]></description>
			<content:encoded><![CDATA[<p><strong>Listed over the weekend are the following homes for sale:</strong></p>
<p style="text-align: center;"><img class="size-full wp-image-508 aligncenter" style="margin-top: 10px; margin-bottom: 10px;" title="403+Anza+Ave+Davis+CA" src="http://focusondavis.com/wp-content/uploads/2009/09/403+Anza+Ave+Davis+CA.jpg" alt="403+Anza+Ave+Davis+CA" width="400" height="300" /><strong></strong></p>
<p style="text-align: center;"><strong> $549,000</strong> 403 Anza Ave 1548<br />
4 bed, 2 bath<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<br />
<strong>$360,000</strong> 938 Snyder Dr 1100<br />
3bed, 2 bath<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;</p>
<p style="text-align: center;"><img class="aligncenter size-medium wp-image-509" title="3107+Evening+Place+Davis+CA" src="http://focusondavis.com/wp-content/uploads/2009/09/3107+Evening+Place+Davis+CA-300x199.jpg" alt="3107+Evening+Place+Davis+CA" width="300" height="199" /><br />
<strong>$750,000</strong> 3107 Evening Bay Pl 2439<br />
4 bed, 2 bath</p>
<p style="text-align: left;">For more details or to scedule a viewing contact Carmen at Coldwell Banker today. <strong>530.601.1003</strong></p>
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		<title>Country Living: 34743 County Road. 22 &#8211; Woodland, CA</title>
		<link>http://focusondavis.com/2009/09/country-living-34743-county-road-22-woodland-ca/</link>
		<comments>http://focusondavis.com/2009/09/country-living-34743-county-road-22-woodland-ca/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 20:21:04 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Country Property]]></category>
		<category><![CDATA[CA foreclosures]]></category>
		<category><![CDATA[davis country property]]></category>
		<category><![CDATA[woodland real estate]]></category>

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		<description><![CDATA[
Enjoy 5 acres in the country just 3 miles from Woodland &#38; minutes from I5 &#38; I505. Light &#38; open this home has been renovated with new paint, fixtures, appliances, wood floors, &#38; Richlite counter tops. Enjoy outdoor living with a large partially covered patio, swimming pool, &#38; landscaped paths with roses, fruit trees, &#38; [...]]]></description>
			<content:encoded><![CDATA[<p><script type="text/javascript" src="http://widgets.clearspring.com/o/4805fc0db4a3562c/4ab29cc8e485969f/4805fc0db4a3562c/233fe221/-cpid/3e2698cac5dcb3c9/-EMH/300/-EMW/540/widget.js"></script></p>
<p>Enjoy 5 acres in the country just 3 miles from <span class="zem_slink">Woodland</span> &amp; minutes from I5 &amp; I505. Light &amp; open this home has been renovated with new paint, fixtures, appliances, wood floors, &amp; Richlite counter tops. Enjoy outdoor living with a large partially covered patio, swimming pool, &amp; landscaped paths with roses, fruit trees, &amp; herbs. Newer roof, <a class="zem_slink" title="HVAC" rel="wikipedia" href="http://en.wikipedia.org/wiki/HVAC">HVAC</a>, well pump, plumbing, &amp; septic. Oversized 2-car garage, dog runs, livestock/horse barn, &amp; partial basement.</p>
<p>Schedule a private showing today. Call Carmen <strong>530.601.1003.</strong></p>
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		<title>What the Heck is a Short Pay Refinance?</title>
		<link>http://focusondavis.com/2009/09/what-the-heck-is-a-short-pay-refinance/</link>
		<comments>http://focusondavis.com/2009/09/what-the-heck-is-a-short-pay-refinance/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 20:20:47 +0000</pubDate>
		<dc:creator>Carmen Isais</dc:creator>
				<category><![CDATA[Ask a Realtor]]></category>
		<category><![CDATA[Mortgage Info]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Short Sales & Foreclosures]]></category>
		<category><![CDATA[Short Sales & Refinance]]></category>
		<category><![CDATA[California Property Values]]></category>
		<category><![CDATA[carmen isais]]></category>
		<category><![CDATA[Central Davis]]></category>
		<category><![CDATA[davis+short+sale]]></category>
		<category><![CDATA[feature]]></category>
		<category><![CDATA[glossaly of real estate terms]]></category>
		<category><![CDATA[loan programs]]></category>
		<category><![CDATA[Loan+Remodification+Davis+CA]]></category>
		<category><![CDATA[selling your own home]]></category>
		<category><![CDATA[short refinance]]></category>
		<category><![CDATA[short+pay]]></category>

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		<description><![CDATA[There is a new buzzword being used in today&#8217;s real estate market, that term is Short Pay Refinance. 
Most of you have not heard about this.  It is a new approach were a new lender negotiates on your behalf  with your current lender to pay less than the full amount for the pay off of the [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-493" style="margin: 10px;" title="short+Pay+Davis+CA+Real+Estate" src="http://focusondavis.com/wp-content/uploads/2009/09/short+Pay+Davis+CA+Real+Estate.jpg" alt="short+Pay+Davis+CA+Real+Estate" width="142" height="212" />There is a new buzzword being used in today&#8217;s real estate market, that term is <strong>Short Pay Refinance. </strong></p>
<p>Most of you have not heard about this.  It is a new approach were a new lender negotiates on your behalf  with your current lender to pay less than the full amount for the pay off of the existing loan. This is not a loan re-modification. This is a new loan with new terms and lower balance.</p>
<p>This is an amazing concept, basically you get to buy your home again at the current market value.</p>
<p>For more information call Carmen Isais at Keller William&#8217;s Realty in Davis : <strong>530.601.1003 </strong>or email: <a href="mailto:carmen@focusondavis.com" target="_blank">carmen@focusondavis.com</a></p>
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