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	<title>Comments on: Local Homebuilder Gives Smarts Away</title>
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	<description>Portland Oregon Real Estate Resources</description>
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		<title>By: Timothy Spencer</title>
		<link>http://repdx.com/2007/02/12/smart-car/comment-page-1/#comment-155</link>
		<dc:creator>Timothy Spencer</dc:creator>
		<pubDate>Fri, 20 Apr 2007 18:54:34 +0000</pubDate>
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		<description>Is the seller aware that the inclusion of the vehicle constitutes a sales concession?  The value of the vehicle must be deducted from the sales price for lending purposes, Federal lending guidelines require it.  Failure to do so may result in the misrepresentation of a material fact for the financial benefit of one party over another, in this case it may be the lender.</description>
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