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			<title>Rising Property Taxes: What You Can Do to Lower Yours</title>
			<link>http://www.realtyuniversal.com/article-39.html</link>
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			<description>Grappling with rising expenses and struggling to make ends meet, local governments &amp;ndash; who rely heavily on property taxes for funding &amp;mdash; are raising property tax rates, provoking anger and concern among homeowners faced with deteriorating home prices, increasing inflation and a likely...</description>
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			<title>States Move To Cut, Cap Property Taxes As Home Values Decline, Many Will Have to Make Up Lost Revenue by Other Means</title>
			<link>http://www.realtyuniversal.com/article-38.html</link>
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			<description>Soaring property values in recent years swelled the coffers of counties and municipalities, raising calls for property-tax cuts. Now, even as foreclosures and dwindling home sales shrink local tax bases, a number of state governments are slashing or capping property-tax rates.

New York Gov....</description>
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			<title>The Value of Successful Home Staging</title>
			<link>http://www.realtyuniversal.com/article-37.html</link>
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			<description>Have you ever walked into a beautifully decorated model home and been captivated by it? Did you find yourself dreaming of bathing in that spa-like bathroom, cooking meals in the gourmet kitchen or curling up with a book in that luxurious reading nook? If so, then you have been the successful target...</description>
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			<title>A ray of light for housing?</title>
			<link>http://www.realtyuniversal.com/article-33.html</link>
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			<description>U.S. home sales show unexpected rise as sellers cut prices, but many experts are still cautious
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U.S. home sales increased unexpectedly last month for the first time since the middle of last year, a sign that homebuyers are taking advantage of big drops in prices.
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Figures released...</description>
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			<title>HUD proposes more complete home-loan disclosures</title>
			<link>http://www.realtyuniversal.com/article-32.html</link>
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			<description>WASHINGTON &amp;mdash; Prospective home buyers would get easier-to-understand information on mortgage terms and save an average $700 in closing costs under a proposal to be unveiled Friday by President Bush.
The proposed overhaul to a 1974 law requiring lenders to give what's called a &quot;good faith...</description>
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			<title>How to Sell A Home in 2008?</title>
			<link>http://www.realtyuniversal.com/article-30.html</link>
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			<description>If you're planning to sell a home in 2008, it's time to start  thinking about how to make that home stand out from the rest.
But beware: Homeowners aren't able to recoup as many improvement costs as they did in recent years, according to a recent study by Remodeling magazine. In selling a home,...</description>
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			<title>Finding Hidden Costs on Your Closing Statement</title>
			<link>http://www.realtyuniversal.com/article-29.html</link>
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			<description>Throughout the closing process, you will have been given various documents, some being mandatory government disclosure documents. These disclosures are meant to keep you fully informed in regard to the costs you will or may incur in your closing. Among these documents may be a Good Faith Estimate...</description>
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			<title>How do I prepare for Closing?</title>
			<link>http://www.realtyuniversal.com/article-28.html</link>
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			<description>Prior to the actual closing day, there are several things you should do to be certain that your real estate transaction will close on time, and that everything will go smoothly. A day or two before closing, you should review your final closing statement or HUD-1 Statement, whichever is used in your...</description>
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			<title>10 Frequently Asked Short Sale Questions</title>
			<link>http://www.realtyuniversal.com/article-27.html</link>
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			<description>Here are 10 frequently asked short sale questions that are very helpful especially if you are just getting started or considering short sales as a means to acquiring pre-foreclosures.

1. What happens to the seller's credit rating when they allow an investor to short sell their property?

What...</description>
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