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	<title>Real Estate Short Sales &#187; lender</title>
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	<link>http://shortsalesr.us</link>
	<description>Selling a House When You Cannot Pay Off the Bank</description>
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		<title>Don&#8217;t Have Short Sale Moving Problems</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/dont-have-short-sale-moving-problems/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/dont-have-short-sale-moving-problems/#comments</comments>
		<pubDate>Wed, 01 Apr 2009 01:28:36 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[furniture]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[how to short sale]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[mortgage loss mitigation]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real estate sales]]></category>
		<category><![CDATA[real estate short sales]]></category>
		<category><![CDATA[realtor training]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[selling a home]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=377</guid>
		<description><![CDATA[In a real estate short sale, you have a seller with no money who needs to move out of the property. As a part of Realtor training that I have done for agents in Raleigh and Cary, North Carolina, we have to discuss how moving costs money,  and have a plan for the proper thing to do.
The [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Let the Buyer Misunderstand a Short Sale</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/dont-let-the-buyer-misunderstand/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/dont-let-the-buyer-misunderstand/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 19:41:24 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[contingency]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[inspection]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[real estate sale]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale home]]></category>
		<category><![CDATA[time limit]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=328</guid>
		<description><![CDATA[Many Realtors have never done a short sale.  If they represent  buyers, they do not know what to tell them to explain the short sale home buying experience.  If you are listing a short sale, be an information resource for the buyer&#8217;s agent.  Or, send them here as this site provides complete Realtor education on short sales.
The [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Short Sales With Multiple Loans and Liens</title>
		<link>http://shortsalesr.us/short-sale-how-to/short-sales-with-multiple-loans-and-liens/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/short-sales-with-multiple-loans-and-liens/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 17:43:42 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[lien]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[NAR Code of Ethics]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[real estate sale]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=324</guid>
		<description><![CDATA[Some short sale sellers will make your life extremely &#8220;interesting&#8221; with their talent for putting on multiple mortgages and collecting liens.  You get to negotiate them all,  because if any one will not sign off, the short sale does not close.  As the picture shows, you have to get every lender to jump into the [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>How to Communicate with the Lender/Servicer</title>
		<link>http://shortsalesr.us/short-sale-how-to/how-to-communicate-with-the-lenderservicer/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/how-to-communicate-with-the-lenderservicer/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 13:55:45 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Communication in Short Sales]]></category>
		<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[communicate]]></category>
		<category><![CDATA[email]]></category>
		<category><![CDATA[fax]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[servicer]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale package]]></category>
		<category><![CDATA[telephone]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=315</guid>
		<description><![CDATA[You need to communicate with the loss mitigation department.  Another post goes into detail about how to get in touch with them in &#8220;Find the Loss Mitigation Department.&#8221;   Now that you have found them, how do you establish communication.
I have written a book on negotiating, Create A Great Deal, the Art of Real Estate Negotiating.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do Disclose Short Sales in the MLS and Advertising</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/do-disclose-short-sales-in-the-mls-and-advertising/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/do-disclose-short-sales-in-the-mls-and-advertising/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 02:45:49 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[CommissionEctomy in Short Sales]]></category>
		<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[as is]]></category>
		<category><![CDATA[commission]]></category>
		<category><![CDATA[disclosure]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[repairs]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=309</guid>
		<description><![CDATA[The fact that a property will be a short sale has to be disclosed in the MLS.  You must disclose material facts, and the fact that a buyer will have to go through a short sale process is a material fact. 
By the way, MLS is a registered trademark of Major League Soccer.  We are not [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time For Short Sale Approval</title>
		<link>http://shortsalesr.us/short-sale-how-to/time-for-short-sale-approval/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/time-for-short-sale-approval/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 01:47:39 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[guaranty]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[real estate sale]]></category>
		<category><![CDATA[review time]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=239</guid>
		<description><![CDATA[One of the biggest problems is the time it takes for the lender to review the short sale package.  At the national conventions, the lenders on short sale panels talk about wanting to get close to the market value of a home in a short sale.  To get close to a retail value, you have [...]]]></description>
		<wfw:commentRss>http://shortsalesr.us/short-sale-how-to/time-for-short-sale-approval/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What&#8217;s in a Short Sale Package?</title>
		<link>http://shortsalesr.us/short-sale-how-to/whats-in-a-short-sale-package/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/whats-in-a-short-sale-package/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 02:06:47 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[closing statement]]></category>
		<category><![CDATA[financial statement]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loss mitigation negotiator]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=213</guid>
		<description><![CDATA[You want to make the entire short sale package extremely easy to review, because you are presenting it to a loss mitigation negotiator who is overworked and underpaid.  Look at the entire package from the negotiator&#8217;s point of view, and make it easy to recommend it for approval.  If you put in everything necessary, in a [...]]]></description>
		<wfw:commentRss>http://shortsalesr.us/short-sale-how-to/whats-in-a-short-sale-package/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What is a Short Sale?</title>
		<link>http://shortsalesr.us/short-sale-how-to/what-is-a-short-sale/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/what-is-a-short-sale/#comments</comments>
		<pubDate>Tue, 10 Mar 2009 16:43:07 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[lien]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[Short Sale Definition]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=200</guid>
		<description><![CDATA[The short answer is it is a sale where you do not generate enough money from the sale of the property to fully pay all the loans and liens, and the creditors accept less than full payment for these debts.  In other words, the payment is &#8220;short&#8221;.  
In your grandparent&#8217;s day, if you sold a [...]]]></description>
		<wfw:commentRss>http://shortsalesr.us/short-sale-how-to/what-is-a-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Take Away the Owner&#8217;s Lifeline</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/dont-take-away-the-owners-lifeline/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/dont-take-away-the-owners-lifeline/#comments</comments>
		<pubDate>Tue, 10 Mar 2009 01:32:09 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[heloc]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[line of credit]]></category>
		<category><![CDATA[real estate sales]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=194</guid>
		<description><![CDATA[There are times when you should not do a short sale, or you need to do it carefully. If the seller has a home equity line of credit, it may be the only lifeline available to the family. If the seller can still withdraw any substantial amount of money from that line of credit, it [...]]]></description>
		<wfw:commentRss>http://shortsalesr.us/short-sale-dos-and-donts/dont-take-away-the-owners-lifeline/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do a Compelling Hardship Letter</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/do-a-compelling-hardship-letter/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/do-a-compelling-hardship-letter/#comments</comments>
		<pubDate>Sat, 07 Mar 2009 22:01:19 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiator]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=144</guid>
		<description><![CDATA[Short sales is all about helping people who have had hardship.  I get lots of calls from well heeled  investors who want the bank to take the loss that they should be taking.  A short sale is for people who have had a financial hardship, not the wealthy who want to reallocate their loss.  Short [...]]]></description>
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		<slash:comments>5</slash:comments>
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