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	<title>Real Estate Short Sales &#187; loss mitigation</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>Negotiate Short Sales Better: Find the Investor</title>
		<link>http://shortsalesr.us/short-sale-how-to/negotiate-short-sales-better-find-the-investor/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/negotiate-short-sales-better-find-the-investor/#comments</comments>
		<pubDate>Sun, 09 Aug 2009 18:23:02 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[Countrywide]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[MERS]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[negotiator]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=532</guid>
		<description><![CDATA[Short Sales Need Artful Negotiating Negotiating a short sale requires an understanding of the process. When you submit the short sale package, you are dealing with a servicer, who collects the payments and administers the loan. They do not have as much &#8220;skin in the game&#8221; as the investor who owns the loan. So, you [...]]]></description>
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		<slash:comments>15</slash:comments>
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		<title>Mindy Finds Out It is a Short Sale After Making an Offer</title>
		<link>http://shortsalesr.us/short-sale-stories/mindy-find-out-it-is-a-short-sale-after-making-an-offer/</link>
		<comments>http://shortsalesr.us/short-sale-stories/mindy-find-out-it-is-a-short-sale-after-making-an-offer/#comments</comments>
		<pubDate>Wed, 18 Mar 2009 13:18:57 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sales Stories]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[disclose]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[how to short sale]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[material fact]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[mls listing]]></category>
		<category><![CDATA[mortgage loss mitigation]]></category>
		<category><![CDATA[real estate sale]]></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>

		<guid isPermaLink="false">http://shortsalesr.us/?p=355</guid>
		<description><![CDATA[I worked with Mindy Oberhardt on a short sale home purchase.  She had a surprise after she made an offer, because the sellers had used a limited service agent who only entered the home as a MLS listing and that was the extent of the listing agent&#8217;s service in selling a home.  The fact that [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Negotiating Short Sales</title>
		<link>http://shortsalesr.us/short-sale-how-to/negotiating-short-sales/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/negotiating-short-sales/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 21:12:29 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Avoid Foreclosure with a Short Sale]]></category>
		<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[as is]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[BPO]]></category>
		<category><![CDATA[Broker Price Opinion]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[counter offer]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[nibble]]></category>
		<category><![CDATA[real estate negotiating]]></category>
		<category><![CDATA[real estate sale]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale package]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=339</guid>
		<description><![CDATA[Most of this website talks about negotiating in one form or another, but here are some key points. If you are trying to avoid foreclosure, you need an offer fast. Negotiate with the Realtors through the MLS by putting something like &#8220;submit all offers, we do not care about the selling price&#8221; in the MLS [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<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. [...]]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Do Price the Home Like Goldilocks</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/do-price-the-home-like-goldilocks/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/do-price-the-home-like-goldilocks/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 12:38:07 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[price]]></category>
		<category><![CDATA[real estate sales]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=253</guid>
		<description><![CDATA[Goldilocks found that one item was too hot, another was too cold, and one was just right.  The pricing a short sale listing needs to follow the Goldilocks principle, not too high, not too low, but just right. If you price the house too high, you will not get showings and offers.  To get the short [...]]]></description>
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		<slash:comments>11</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>Do an Accurate Closing Statement</title>
		<link>http://shortsalesr.us/short-sale-dos-and-donts/do-an-accurate-closing-statement/</link>
		<comments>http://shortsalesr.us/short-sale-dos-and-donts/do-an-accurate-closing-statement/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 02:21:15 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale Do's & Don'ts]]></category>
		<category><![CDATA[closing expenses]]></category>
		<category><![CDATA[closing statement]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=219</guid>
		<description><![CDATA[It is all about money.  The bank is trying to minimize its loss by taking a short payment as a better choice than any alternative.  So, how much will they get?  The contract will not reveal the net proceeds.  So, the bank wants a closing statement. I used to send a Net Sheet for my [...]]]></description>
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		<slash:comments>1</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>47</slash:comments>
		</item>
		<item>
		<title>Go Over The Negotiator&#8217;s Head to the Investor</title>
		<link>http://shortsalesr.us/short-sale-how-to/negotiate-with-the-investor/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/negotiate-with-the-investor/#comments</comments>
		<pubDate>Mon, 02 Mar 2009 21:17:57 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Avoid Foreclosure with a Short Sale]]></category>
		<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiate]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=115</guid>
		<description><![CDATA[The first place you negotiate is with the loss mitigation department, and hopefully you get what you need. Sometimes, you run into problems, like having them turn down the short sale with no response. In other words, they just turn you down, but do not give you a counter offer to work with.  This is [...]]]></description>
		<wfw:commentRss>http://shortsalesr.us/short-sale-how-to/negotiate-with-the-investor/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Find The Loss Mitigation Department</title>
		<link>http://shortsalesr.us/short-sale-how-to/find-the-loss-mitigation-department/</link>
		<comments>http://shortsalesr.us/short-sale-how-to/find-the-loss-mitigation-department/#comments</comments>
		<pubDate>Sun, 01 Mar 2009 03:33:57 +0000</pubDate>
		<dc:creator>Tim Burrell</dc:creator>
				<category><![CDATA[Short Sale How To]]></category>
		<category><![CDATA[bank departments]]></category>
		<category><![CDATA[Communication in Short Sales]]></category>
		<category><![CDATA[email]]></category>
		<category><![CDATA[fax]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[short sale package]]></category>
		<category><![CDATA[voice mail]]></category>

		<guid isPermaLink="false">http://shortsalesr.us/?p=94</guid>
		<description><![CDATA[The key to working with the bank is to find the right department, then understand how to work with them. There are a number of different departments within the bank. The  Customer Service Department is designed to get you to the right place for your particular problem.  As long as they take the time to understand what you [...]]]></description>
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		<slash:comments>28</slash:comments>
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