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	<title>Palm Springs Real Estate &#187; Hot Topics</title>
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	<link>http://edbrophy.com</link>
	<description>Ed Brophy, REALTOR®</description>
	<lastBuildDate>Tue, 15 May 2012 15:59:25 +0000</lastBuildDate>
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		<title>Fannie Mae Announces New Incentives for HomePath Properties</title>
		<link>http://edbrophy.com/fannie-mae-announces-new-incentives-for-homepath-properties/</link>
		<comments>http://edbrophy.com/fannie-mae-announces-new-incentives-for-homepath-properties/#comments</comments>
		<pubDate>Sun, 26 Sep 2010 16:42:26 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[california mortgage rate]]></category>
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		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[CredAbility]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[HomePath Mortgage Financing]]></category>
		<category><![CDATA[HomePath Renovation Mortgage]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
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		<guid isPermaLink="false">http://edbrophy.com/?p=2783</guid>
		<description><![CDATA[Fannie Mae announced a seller assistance incentive on Fannie Mae-owned properties listed on the company’s REO website, www.HomePath.com, and expands the initiative to offer an incentive to real estate agents and brokers. Qualified homebuyers who will be owner-occupants can receive up to 3.5 percent of the final sales price that can be used toward closing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Time Homebuyer Tax Credit May Return</title>
		<link>http://edbrophy.com/first-time-homebuyer-tax-credit-may-return/</link>
		<comments>http://edbrophy.com/first-time-homebuyer-tax-credit-may-return/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 16:13:46 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
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		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Loans]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Streamline Refinanc]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2263</guid>
		<description><![CDATA[First Time Homebuyer Tax Credit May Return Shaun Donovan, Secretary of Housing and Urban Development, said Sunday that the housing market&#8217;s July woes were &#8220;worse than expected&#8221; and that the administration may support a new homebuyer tax credit. In an interview on CNN, Donovan said the administration is &#8220;concerned&#8221; about the path of the industry. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Luxury Homes Languish as Wall Street Pinches Wealthy</title>
		<link>http://edbrophy.com/luxury-homes-languish-as-wall-street-pinches-wealthy/</link>
		<comments>http://edbrophy.com/luxury-homes-languish-as-wall-street-pinches-wealthy/#comments</comments>
		<pubDate>Sat, 19 Jun 2010 00:23:00 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
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		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1556</guid>
		<description><![CDATA[Luxury Homes Languish as Wall Street Pinches Wealthy Looking for a bargain? Actor Eddie Murphy&#8217;s 30-room Englewood, N.J., mansion, which went on the market in 2004 for $30 million, can be yours for $12.75 million. And hip-hop entrepreneur Russell Simmons&#8217; 35,000-square-foot mansion in Saddle River, N.J., — offered for $23.9 million in 2007 — is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>US Senate: Homebuyers Tax Credit Deadline Extended</title>
		<link>http://edbrophy.com/us-senate-homebuyers-tax-credit-deadline-extended/</link>
		<comments>http://edbrophy.com/us-senate-homebuyers-tax-credit-deadline-extended/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 21:21:43 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
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		<category><![CDATA[firefighter]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[Home Buyer Tax Credit]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[Loan Agency]]></category>
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		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[police officer]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[Summer Remodeling Ideas]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[teacher]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1927</guid>
		<description><![CDATA[US Senate: Homebuyers Tax Credit Deadline Extended The US Senate passed an amendment to extend the closing deadline for home buyers who qualified for the tax credit pleases Realtors and Homebuyers. The original deadline date of June 30 has now been extended to September 30. This is an extremely important measure as it will help [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed Rules to Cap Late Fees On Credit Cards, Ban Inactivity Fees</title>
		<link>http://edbrophy.com/fed-rules-to-cap-late-fees-on-credit-cards-ban-inactivity-fees/</link>
		<comments>http://edbrophy.com/fed-rules-to-cap-late-fees-on-credit-cards-ban-inactivity-fees/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 15:52:50 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility and Disclosure Act]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[firefighter]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[late-payment fees]]></category>
		<category><![CDATA[Loan Agency]]></category>
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		<guid isPermaLink="false">http://edbrophy.com/?p=1712</guid>
		<description><![CDATA[Consumers who make a late payment or violate other terms of their credit card agreements will get a break under new Federal Reserve Board rules announced Tuesday.]]></description>
		<wfw:commentRss>http://edbrophy.com/fed-rules-to-cap-late-fees-on-credit-cards-ban-inactivity-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed Chief Cautiously Optimistic about Economy</title>
		<link>http://edbrophy.com/fed-chief-cautiously-optimistic-about-economy/</link>
		<comments>http://edbrophy.com/fed-chief-cautiously-optimistic-about-economy/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 14:05:09 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1675</guid>
		<description><![CDATA[Fed Chief Cautiously Optimistic about Economy The U.S. economy is in a moderate recovery and should continue growing through next year, but the unemployment rate is expected to remain higher than usual, and it will take “a significant amount of time” to replace the jobs that have been lost in the recession, Federal Reserve Chairman [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Q&amp;A: How to Help Family Member Buy a Condo</title>
		<link>http://edbrophy.com/real-estate-qa-how-to-help-family-member-buy-a-condo/</link>
		<comments>http://edbrophy.com/real-estate-qa-how-to-help-family-member-buy-a-condo/#comments</comments>
		<pubDate>Sun, 13 Jun 2010 00:14:11 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1546</guid>
		<description><![CDATA[Real Estate Q&#38;A: How to Help Family Member Buy a Condo QUESTION: My sister wants to own a $50,000 condo in California that is under foreclosure from the U.S. Department of Housing and Urban Development. But she does not have the money. I would like to help by buying this condo outright. I am being [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/real-estate-qa-how-to-help-family-member-buy-a-condo/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market Snapshot Monday June 7, 2010</title>
		<link>http://edbrophy.com/market-snapshot-monday-june-7-2010/</link>
		<comments>http://edbrophy.com/market-snapshot-monday-june-7-2010/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 15:43:46 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Market Alert]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1567</guid>
		<description><![CDATA[Market Snapshot Monday June 7, 2010 Started a little soft early in the rate market this morning with the stock index futures a little higher after the heavy and deep selling on Friday after the May employment report shook investors. All through last week the estimates were continuing to increase on the number of jobs [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Important Tips to Successful Real Estate Investing</title>
		<link>http://edbrophy.com/10-important-tips-to-successful-real-estate-investing/</link>
		<comments>http://edbrophy.com/10-important-tips-to-successful-real-estate-investing/#comments</comments>
		<pubDate>Sun, 06 Jun 2010 18:33:39 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[real estate investing]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1401</guid>
		<description><![CDATA[10 Important Tips to Successful Real Estate Investing When it comes to investing, everybody has certain goals and aspirations. However, we have found that there are certain guidelines every aspiring real estate investor needs to know: 1. Compare property values and rents Financial statistics only go so far; the best measure of a property&#8217;s market [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fannie Mae &#8220;Loan Quality Initiative&#8221; How Will This Affect Borrowers?</title>
		<link>http://edbrophy.com/fannie-mae-loan-quality-initiative-how-will-this-affect-borrowers/</link>
		<comments>http://edbrophy.com/fannie-mae-loan-quality-initiative-how-will-this-affect-borrowers/#comments</comments>
		<pubDate>Fri, 04 Jun 2010 00:46:42 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Loan Approval]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[California Home Loan]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fannie mae loan quality initiative]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Palm Springs Mortgage Broker]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1509</guid>
		<description><![CDATA[Fannie Mae &#8220;Loan Quality Initiative&#8221; How Will This Affect Borrowers? Beginning with applications dated June 1st, Fannie Mae is implementing the “Loan Quality Initiative” (LQI) guidelines. All Fannie Mae lenders must adhere to these guidelines. In a nutshell, the LQI guideline changes are: Credit re-verification just prior to or on the day of funding: Fannie [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Housing Starts Rise In April, Exerting Downward Pressure On Home Prices</title>
		<link>http://edbrophy.com/housing-starts-rise-in-april-exerting-downward-pressure-on-home-prices/</link>
		<comments>http://edbrophy.com/housing-starts-rise-in-april-exerting-downward-pressure-on-home-prices/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 14:46:18 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
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		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1350</guid>
		<description><![CDATA[Single-family Housing Starts rose by 55,000 last month, suggesting ample housing stock from which California can choose this summer. The report is a slightly larger read than what economists had expected. Furthermore, for the first time since June 2009, Housing Starts appears to have broken away from its half-million unit plateau. 593,000 new homes were started [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seven Tips to Profitable Investing in Foreclosures</title>
		<link>http://edbrophy.com/seven-tips-to-profitable-investing-in-foreclosures/</link>
		<comments>http://edbrophy.com/seven-tips-to-profitable-investing-in-foreclosures/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 04:14:02 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california foreclosures]]></category>
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		<category><![CDATA[Seven Tips to Profitable Investing in Foreclosures]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1321</guid>
		<description><![CDATA[Have you been thinking of investing in a foreclosed home? The game plan sounds simple enough: purchase a foreclosure at pennies on the dollar, cover the mortgage by renting the property to tenants, and then sell it at a tidy profit when the economy recovers. Unfortunately, when it comes to buying foreclosures, &#8220;things are not [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Mortgage Approval Isn&#8217;t Final Until Its Funded</title>
		<link>http://edbrophy.com/your-mortgage-approval-isnt-final-until-its-funded/</link>
		<comments>http://edbrophy.com/your-mortgage-approval-isnt-final-until-its-funded/#comments</comments>
		<pubDate>Thu, 27 May 2010 18:24:25 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Loan Approval]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed borphy]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[home refinance]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[loan approval]]></category>
		<category><![CDATA[loan contingency]]></category>
		<category><![CDATA[loan process]]></category>
		<category><![CDATA[Mortgage Approval]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1248</guid>
		<description><![CDATA[Your Mortgage Approval Isn&#8217;t Final Until It&#8217;s Funded, a host of things can &#8220;go wrong&#8221; while your home loan is underway. Some are in your control, many more are not.  And just being aware of some potential pitfalls could help save your loan down the road, and your peace of mind today. MSN Money ran a [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Survey Suggests Affordable Prices and Mortgage Rates Could Help Propel Housing Market Past Tax Expiration</title>
		<link>http://edbrophy.com/survey-suggests-affordable-prices-and-mortgage-rates-could-help-propel-housing-market-past-tax-expiration/</link>
		<comments>http://edbrophy.com/survey-suggests-affordable-prices-and-mortgage-rates-could-help-propel-housing-market-past-tax-expiration/#comments</comments>
		<pubDate>Thu, 27 May 2010 05:12:07 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage interest rates drop]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgage securities]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinace rates drop]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1215</guid>
		<description><![CDATA[The majority of people looking for, or considering buying, a home had no plans to take advantage of the first-time or move-up/repeat home buyer tax credits, according to a survey recently released from Better Homes and Gardens Real Estate. The survey, conducted earlier this year, was designed to identify factors affecting today’s home-buying decisions. It [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/survey-suggests-affordable-prices-and-mortgage-rates-could-help-propel-housing-market-past-tax-expiration/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Nitty Gritty on Short Sales</title>
		<link>http://edbrophy.com/the-nitty-gritty-on-short-sales/</link>
		<comments>http://edbrophy.com/the-nitty-gritty-on-short-sales/#comments</comments>
		<pubDate>Sun, 23 May 2010 02:15:02 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[7 short sale myths]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Mortgage Professional]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[REALTORS®]]></category>
		<category><![CDATA[short sale myths]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1148</guid>
		<description><![CDATA[With short sales making up almost 35% of home sales in March and the country facing a national foreclosure problem I thought this is a good time to explain the Nitty Gritty on Short Sales.  If you missed the 7 Short Sale Myths you can find it by following the link. What is a short [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/the-nitty-gritty-on-short-sales/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Bank Failures Exceed 70 for 2010</title>
		<link>http://edbrophy.com/bank-failures-exceed-70-for-2010/</link>
		<comments>http://edbrophy.com/bank-failures-exceed-70-for-2010/#comments</comments>
		<pubDate>Thu, 20 May 2010 19:08:09 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[bank failures]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[failures]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[palms springs mortgage broker]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1358</guid>
		<description><![CDATA[On Friday, May 14, 2010, FOUR BANKS were SHUT DOWN by U.S. regulators. The four failed institutions were located in Georgia, Michigan, Missouri and Illinois. This brings the total number of US Bank Failures to 72 so far in 2010, compared to 140 in 2009, 25 in 2008 and 3 in 2007. If bank failures continue [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/bank-failures-exceed-70-for-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Strategic Default and Foreclosure Explained</title>
		<link>http://edbrophy.com/strategic-default-and-foreclosure-explained/</link>
		<comments>http://edbrophy.com/strategic-default-and-foreclosure-explained/#comments</comments>
		<pubDate>Wed, 19 May 2010 17:00:22 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california foreclosures]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[California Short Sales]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[Strategic Default]]></category>
		<category><![CDATA[Strategic Foreclosure]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1302</guid>
		<description><![CDATA[What is a Strategic Default and Foreclosure A “strategic forclosure” or “strategic default” happens when a homeowner decides to quit making mortgage payments as a wealth-protection strategy. The homeowner doing a strategic forclosure may be almost broke, or may have substantial financial assets. A strategic forclosure or strategic default should be distinguished from bankruptcy or [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/strategic-default-and-foreclosure-explained/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Foreclosure Activity Slows For The First Time In Several Years</title>
		<link>http://edbrophy.com/foreclosure-activity-slows-for-the-first-time-in-several-years/</link>
		<comments>http://edbrophy.com/foreclosure-activity-slows-for-the-first-time-in-several-years/#comments</comments>
		<pubDate>Mon, 17 May 2010 20:42:01 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california foreclosures]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[California Short Sales]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[forclosure]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[RealtyTrac]]></category>
		<category><![CDATA[special forbearance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1262</guid>
		<description><![CDATA[The national foreclosure rate is finally falling. According to foreclosure-tracking firm RealtyTrac.com, the number of foreclosure notices dropped 2 percent between April 2009 and April 2010. Two percent may not seem like much, but it&#8217;s the first time in the history of the RealtyTrac report that the annual foreclosure rate has dropped. To be sure, foreclosure rates [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/foreclosure-activity-slows-for-the-first-time-in-several-years/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Ahead For Mortgage Rates This Week : May 17, 2010</title>
		<link>http://edbrophy.com/whats-ahead-for-mortgage-rates-this-week-may-17-2010/</link>
		<comments>http://edbrophy.com/whats-ahead-for-mortgage-rates-this-week-may-17-2010/#comments</comments>
		<pubDate>Mon, 17 May 2010 18:15:35 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[Housing Starts]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[National Association of Home Builders]]></category>
		<category><![CDATA[Producer Price Index]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1236</guid>
		<description><![CDATA[Mortgage markets improved last week &#8212; but barely &#8212; as ongoing doubt surrounding the health of Greece and the Euro pushed additional investors into safe assets, including mortgage bonds. Mortgage rates were wildly volatile between Monday and Friday before closing the week slightly better than their best levels of the year. It&#8217;s the 3rd straight [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/whats-ahead-for-mortgage-rates-this-week-may-17-2010/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Homeownership After Short Sale, Is It Possible</title>
		<link>http://edbrophy.com/homeownership-after-short-sale-is-it-possible/</link>
		<comments>http://edbrophy.com/homeownership-after-short-sale-is-it-possible/#comments</comments>
		<pubDate>Sun, 16 May 2010 16:00:13 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Homeownership After Short Sale]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1189</guid>
		<description><![CDATA[Recently I&#8217;ve been receiving a number of questions asking Homeownership After Short Sale, Is It Possible. Many people who through no fault of their own had to sell were blocked from repurchasing a house for four years or longer, even though they&#8217;d rebuilt their credit, had qualifying incomes and were fully capable of handling a [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Big Short by: Michael Lewis</title>
		<link>http://edbrophy.com/the-big-short/</link>
		<comments>http://edbrophy.com/the-big-short/#comments</comments>
		<pubDate>Wed, 12 May 2010 18:31:34 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Andrew Lahde]]></category>
		<category><![CDATA[Ben Hockett]]></category>
		<category><![CDATA[california foreclosure]]></category>
		<category><![CDATA[California Short Sales]]></category>
		<category><![CDATA[Charlie Ledley]]></category>
		<category><![CDATA[Deutsche Bank]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Greg Lippman]]></category>
		<category><![CDATA[Howie Hubler]]></category>
		<category><![CDATA[Jamie Mai]]></category>
		<category><![CDATA[John Paulson]]></category>
		<category><![CDATA[Lehman Brothers]]></category>
		<category><![CDATA[Lord Turner]]></category>
		<category><![CDATA[Michael Lews]]></category>
		<category><![CDATA[Mike Burry]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[Mortgage Meltdown]]></category>
		<category><![CDATA[New York Fed]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Steve Eisman]]></category>
		<category><![CDATA[The Big Short]]></category>
		<category><![CDATA[Uk Financial Services]]></category>
		<category><![CDATA[US Treasure]]></category>
		<category><![CDATA[Wing Chau]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1090</guid>
		<description><![CDATA[If you&#8217;re truly interested in the who, what, where, why and when&#8217;s of the big mortgage meltdown that lead to the economic situation our country finds itself in, you definitely want to read &#8220;The Big Short&#8221; by: Michael Lewis. I remember sitting in my office in September 2006, telling people we were seeing the beginning [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Use a Mortgage Broker?</title>
		<link>http://edbrophy.com/why-use-a-mortgage-broker/</link>
		<comments>http://edbrophy.com/why-use-a-mortgage-broker/#comments</comments>
		<pubDate>Mon, 10 May 2010 16:33:56 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[California Refinance]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=688</guid>
		<description><![CDATA[Independent Mortgage Brokers and Bankers have had a significant positive impact on the lending industry. Today, the use of a professional Mortgage Broker or Banker is one of the key strategies used by sophisticated borrowers. What is a Mortgage Broker? A Mortgage Broker is an independent real-estate financing professional who specializes in the origination of [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Home Prices Rise in Three California Cities</title>
		<link>http://edbrophy.com/home-prices-rise-in-three-california-cities/</link>
		<comments>http://edbrophy.com/home-prices-rise-in-three-california-cities/#comments</comments>
		<pubDate>Sun, 02 May 2010 16:12:40 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Bay Area Homes Real Estate]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[First-Time Buyer Tax Credit]]></category>
		<category><![CDATA[Home Hunter Report]]></category>
		<category><![CDATA[Housing Market Recovery]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Low Interest Rates]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[San Francisco]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=980</guid>
		<description><![CDATA[A trio of California cities bucked a nationwide home price decline in February while most of the other metro areas posted losses or flattened out, underscoring the resurgence of the Golden State&#8217;s coastal markets, data released Tuesday showed. The Standard &#38; Poor&#8217;s/Case-Shiller index of 20 metropolitan areas was down 0.1% from January on a seasonally [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New Home Sales Bounce Almost 27% Higher in March 2010</title>
		<link>http://edbrophy.com/new-home-sales-bounce-almost-27-higher-in-march-2010/</link>
		<comments>http://edbrophy.com/new-home-sales-bounce-almost-27-higher-in-march-2010/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 12:01:09 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California New Home Tax Credit]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Home Sales Soar]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[New Home Sales]]></category>
		<category><![CDATA[Right Time to Buy a Home]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=958</guid>
		<description><![CDATA[New Home Sales Bounce Almost 27% Higher in March 2010 breaking out of a four-month winter slump with a bang in March 2010, soaring 26.9% over February, the government recently said, evidence that federal tax incentives for buyers due to expire next week are giving the housing market a boost. The March figures were meager [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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