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	<description>Short sales and avoiding foreclosure</description>
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		<title>Another House Hits the Growing Shadow Inventory</title>
		<link>http://steveearly.net/2011/06/another-house-hits-the-growing-shadow-inventory/</link>
		<comments>http://steveearly.net/2011/06/another-house-hits-the-growing-shadow-inventory/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 19:00:18 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=387</guid>
		<description><![CDATA[Today&#8217;s post is a true story that chronicles what is wrong with the world of banking, mortgages, and that population of homeowners who are all upside down through no fault of their own. I won&#8217;t be describing someone who got a &#8220;no verification/no documentation&#8221; loan, or someone who was given a mortgage to buy a [...]]]></description>
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		<title>7 Common Misunderstandings About Short Sales</title>
		<link>http://steveearly.net/2011/04/7-common-misunderstandings-about-short-sales/</link>
		<comments>http://steveearly.net/2011/04/7-common-misunderstandings-about-short-sales/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 01:31:49 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=374</guid>
		<description><![CDATA[I&#8217;ve been keeping a mental list of some of the common misunderstandings buyers, homeowners and some Realtors have about the short sale process. Today I asked myself why I was keeping this stuff all in my head and I didn&#8217;t have a good answer. So here are 7 common misunderstandings about the short sale process. [...]]]></description>
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		<title>How Freddie Mac Creates Short Sale Stalemates</title>
		<link>http://steveearly.net/2011/04/how-freddie-mac-creates-short-sale-stalemates/</link>
		<comments>http://steveearly.net/2011/04/how-freddie-mac-creates-short-sale-stalemates/#comments</comments>
		<pubDate>Thu, 14 Apr 2011 15:11:54 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=368</guid>
		<description><![CDATA[In our dealings with various loan services as part of a short sale process, there is a disturbing trend happening as it relates to second lien positions. We are clearly not alone in observing this situation as is obvious from the many frustrating questions on the subject in various real estate forums. The trend is [...]]]></description>
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		<title>Three Ideas for Avoiding Short Sale Counter-Offers</title>
		<link>http://steveearly.net/2011/03/three-ideas-for-avoiding-short-sale-counter-offers/</link>
		<comments>http://steveearly.net/2011/03/three-ideas-for-avoiding-short-sale-counter-offers/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 21:56:24 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[counter-offers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[counter-offer]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=361</guid>
		<description><![CDATA[So often these days, loan servicers are coming back with counter-offers on short sales. These are some of my theories about counter-offers, why they happen, and how to handle them. Value In doing a short sale, it is all about perceived value as it is with any real estate transaction. The servicer is trying to [...]]]></description>
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		<title>If The CEO Only Knew</title>
		<link>http://steveearly.net/2011/02/if-ceo-only-knew/</link>
		<comments>http://steveearly.net/2011/02/if-ceo-only-knew/#comments</comments>
		<pubDate>Thu, 24 Feb 2011 21:45:08 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=353</guid>
		<description><![CDATA[In the crazy world of short sales, very little surprises me any more. Until this week. We received a counter-offer on a Bank of America short sale. This is not surprising at all. They counter offers all the time &#8211; all the servicers do. What made our mouths drop to the floor and had us [...]]]></description>
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		<title>Short Sales &#8211; How  Long Do They Take?</title>
		<link>http://steveearly.net/2010/09/short-sales-how-long-do-they-take-2/</link>
		<comments>http://steveearly.net/2010/09/short-sales-how-long-do-they-take-2/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 16:35:32 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[time to complete a short sale]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=310</guid>
		<description><![CDATA[One of the more common questions that we get from agents, buyers and sellers is:  How long does it take to do a short sale? In this post, I offer my take on the current short sale process and the length of time it takes. It is based on the many short sales we have [...]]]></description>
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		<title>Understand HAFA Rules BEFORE You Apply</title>
		<link>http://steveearly.net/2010/09/understand-hafa-rules-before-you-apply/</link>
		<comments>http://steveearly.net/2010/09/understand-hafa-rules-before-you-apply/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 17:57:40 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAFA problems]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Wells Fargo]]></category>
		<category><![CDATA[HAFA Problems]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=299</guid>
		<description><![CDATA[Every time we are in the middle of helping a client with a conventional short sale and they call me to tell me their lender just sent them a letter saying they qualify for the HAFA Program, I just cringe. Yes, of course I would like to see the client potentially get the $3,000 in [...]]]></description>
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		<title>Avoiding Foreclosure Through a Short Sale</title>
		<link>http://steveearly.net/2010/09/avoiding-foreclosure-through-a-short-sale/</link>
		<comments>http://steveearly.net/2010/09/avoiding-foreclosure-through-a-short-sale/#comments</comments>
		<pubDate>Thu, 09 Sep 2010 19:36:43 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Mortgage Workout]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=189</guid>
		<description><![CDATA[In addition to a loan modification, another option you have to avoid foreclosure is a short sale. For homeowners who are underwater (owe more on the mortgage than the house is worth) and have experienced some type of hardship, a short sale may be a good option to consider. The term short sale comes from [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoiding Foreclosure through Loan Modification</title>
		<link>http://steveearly.net/2009/12/avoid-foreclosure-through-loan-modification/</link>
		<comments>http://steveearly.net/2009/12/avoid-foreclosure-through-loan-modification/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 15:18:09 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Mortgage Workout]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=190</guid>
		<description><![CDATA[In my last blog posting I discussed five reasons you should try to avoid foreclosure. Now let&#8217;s focus on how you do that, beginning with a Loan Modification. I&#8217;m not a big fan of loan modifications for most people, because if you&#8217;re really in trouble it is doing nothing more than kicking the can down [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Five Reasons Not To Go to Foreclosure</title>
		<link>http://steveearly.net/2009/12/five-reasons-not-go-to-foreclosure/</link>
		<comments>http://steveearly.net/2009/12/five-reasons-not-go-to-foreclosure/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 14:47:18 +0000</pubDate>
		<dc:creator>Steve Early</dc:creator>
				<category><![CDATA[Mortgage Workout]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[foreclosure]]></category>

		<guid isPermaLink="false">http://steveearly.net/?p=182</guid>
		<description><![CDATA[As of the end of November, almost one in every four Americans is &#8220;underwater&#8221; in their mortgage (they owe more on their mortgage than their house is worth).  Approximately 5.3 million Americans are living in homes whose value is at least 20% less than the home is currently worth in this difficult real estate market. [...]]]></description>
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