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	<title>Patty McMillen &#187; Patty McMillen</title>
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		<title>44761 Harmon Drive, Laytonville</title>
		<link>http://pattymcmillen.com/2012/05/17/44761-harmon-drive-laytonville/</link>
		<comments>http://pattymcmillen.com/2012/05/17/44761-harmon-drive-laytonville/#comments</comments>
		<pubDate>Thu, 17 May 2012 17:56:27 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=792</guid>
		<description><![CDATA[Click here to watch: Harmon Drive Virtual Tour]]></description>
			<content:encoded><![CDATA[<p>Click here to watch: <a href="http://www.youtube.com/watch?v=Ax7UO3CqN2g&amp;feature=youtu.be">Harmon Drive Virtual Tour</a></p>
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		<title>3470 Williams Ranch Road, Willits</title>
		<link>http://pattymcmillen.com/2012/05/01/3470-williams-ranch-road-willits/</link>
		<comments>http://pattymcmillen.com/2012/05/01/3470-williams-ranch-road-willits/#comments</comments>
		<pubDate>Tue, 01 May 2012 23:35:18 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

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		<title>2730 Oak Court Road, Ukiah</title>
		<link>http://pattymcmillen.com/2012/05/01/2730-oak-court-road-ukiah/</link>
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		<pubDate>Tue, 01 May 2012 19:15:04 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

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		<title>900 Doolan Canyon</title>
		<link>http://pattymcmillen.com/2012/05/01/900-doolan-canyon/</link>
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		<pubDate>Tue, 01 May 2012 19:06:10 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

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		<title>Video on 3174 Buckingham Way</title>
		<link>http://pattymcmillen.com/2012/04/23/video-on-3174-buckingham-way/</link>
		<comments>http://pattymcmillen.com/2012/04/23/video-on-3174-buckingham-way/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 19:53:54 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

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		<title>New Property Video &#8211; 1810 Sanford Ranch Road</title>
		<link>http://pattymcmillen.com/2012/04/23/new-property-video-1810-sanford-ranch-road/</link>
		<comments>http://pattymcmillen.com/2012/04/23/new-property-video-1810-sanford-ranch-road/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 19:41:50 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=768</guid>
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		<title>New Listing</title>
		<link>http://pattymcmillen.com/2012/04/13/new-listing/</link>
		<comments>http://pattymcmillen.com/2012/04/13/new-listing/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 00:02:34 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=752</guid>
		<description><![CDATA[Enjoy the privacy of the hills in Nice, close to town with views of the surrounding hills, excellent starter home with two bedrooms and one bath, open kitchen and living room, laminate flooring, wood burning stove, newer dual pane windows and newer roof, covered patio and terraced gardens&#8230;$99,900 VA ASSUMABLE LOAN]]></description>
			<content:encoded><![CDATA[<p><a href="http://pattymcmillen.com/files/2012/04/Buckingham-Way-019.jpg"><img class="alignright size-medium wp-image-753" title="Buckingham Way 019" src="http://pattymcmillen.com/files/2012/04/Buckingham-Way-019-300x225.jpg" alt="" width="300" height="225" /></a>Enjoy the privacy of the hills in Nice, close to town with views of the surrounding</p>
<p>hills, excellent starter home with two bedrooms and one bath, open kitchen and living room, laminate flooring, wood burning stove, newer dual pane windows and newer roof, covered patio and terraced gardens&#8230;$99,900</p>
<p>VA ASSUMABLE LOAN</p>
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		<title>BUYING MAKES MORE SENSE TODAY</title>
		<link>http://pattymcmillen.com/2012/04/13/buying-makes-more-sense-today-3/</link>
		<comments>http://pattymcmillen.com/2012/04/13/buying-makes-more-sense-today-3/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 22:34:22 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=749</guid>
		<description><![CDATA[Should you rent or buy?  Look at it this way&#8230;wealth-building potential of owning vs. renting over an eight-year holding period and found that today&#8217;s &#8220;hurdle rate&#8221; tilts in favor of buying.  The hurdle rate is the point between buying and renting at which it&#8217;s a wash in terms of wealth-building.  If today&#8217;s hurdle rate is [...]]]></description>
			<content:encoded><![CDATA[<p>Should you rent or buy?  Look at it this way&#8230;wealth-building potential of owning vs. renting over an eight-year holding period and found that today&#8217;s &#8220;hurdle rate&#8221; tilts in favor of buying.  The hurdle rate is the point between buying and renting at which it&#8217;s a wash in terms of wealth-building.  If today&#8217;s hurdle rate is lower than the average past property appreciation rate for a particular market, then it makes sense to buy, because future property appreciation should enable an individual, on average, to create more wealth through owning than renting.  Buy today in a down market and capture the holding period for the appreciation.</p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Enhanced by Zemanta" href="http://www.zemanta.com/"><img class="zemanta-pixie-img" style="border: none;float: right" src="http://img.zemanta.com/zemified_e.png?x-id=f1b5c458-0e61-464f-8243-aa693eec97a6" alt="Enhanced by Zemanta" /></a></div>
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		<title>New Listing</title>
		<link>http://pattymcmillen.com/2012/04/12/new-listing-2/</link>
		<comments>http://pattymcmillen.com/2012/04/12/new-listing-2/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 19:58:06 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=757</guid>
		<description><![CDATA[761 Sanel Drive, beautiful views of Sanel Valley, three bedroom two baths, large living room with fireplace, kitchen with views, double car, large deck is being replaced.  $216,900]]></description>
			<content:encoded><![CDATA[<p><a href="http://pattymcmillen.com/files/2012/04/Sanel-Drive-004.jpg"><img class="alignright size-medium wp-image-756" title="Sanel Drive 004" src="http://pattymcmillen.com/files/2012/04/Sanel-Drive-004-300x225.jpg" alt="" width="300" height="225" /></a>761 Sanel Drive, beautiful views of Sanel Valley, three bedroom two baths, large living room with fireplace, kitchen with views, double car, large deck is being replaced.  $216,900</p>
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		<title>FHA FEES</title>
		<link>http://pattymcmillen.com/2012/04/09/fha-fees/</link>
		<comments>http://pattymcmillen.com/2012/04/09/fha-fees/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 23:29:28 +0000</pubDate>
		<dc:creator>Patty McMillen</dc:creator>
				<category><![CDATA[Financing]]></category>

		<guid isPermaLink="false">http://pattymcmillen.blogs.rwnetwork.com/?p=736</guid>
		<description><![CDATA[FHA Fees: Up for Purchases, Down for Some Refinances The annual FHA mortgage insurance premium will increase by ..10 percent for purchase money borrowers as of April 1st.  The increase was part of the 2011 legislation to extend payroll tax cuts.  There&#8217;s an additional .25 percent increase on jumbo loans, to take effect on June [...]]]></description>
			<content:encoded><![CDATA[<p>FHA Fees: Up for Purchases, Down for Some Refinances</p>
<p>The annual FHA mortgage insurance premium will increase by ..10 percent for purchase money borrowers as of April 1st.  The increase was part of the 2011 legislation to extend payroll tax cuts.  There&#8217;s an additional .25 percent increase on jumbo loans, to take effect on June 1st.</p>
<div class="wp-caption alignright" style="width: 310px"><a href="http://commons.wikipedia.org/wiki/File:US-FederalHousingAdmin-Logo.svg" target="_blank"><img class="zemanta-img-inserted zemanta-img-configured" title="Logo of the Federal Housing Administration." src="http://upload.wikimedia.org/wikipedia/commons/thumb/8/8a/US-FederalHousingAdmin-Logo.svg/300px-US-FederalHousingAdmin-Logo.svg.png" alt="Logo of the Federal Housing Administration." width="300" height="187" /></a><p class="wp-caption-text">Logo of the Federal Housing Administration. (Photo credit: Wikipedia)</p></div>
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