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	<title>Palm Springs Real Estate &#187; Short Sale and Foreclosure</title>
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	<link>http://edbrophy.com</link>
	<description>Ed Brophy, REALTOR®</description>
	<lastBuildDate>Sun, 29 Jan 2012 17:13:34 +0000</lastBuildDate>
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		<title>Palm Springs Homeowners Can Be Assessed HOA Fees After Foreclosure</title>
		<link>http://edbrophy.com/palm-springs-homeowners-can-be-assessed-hoa-fees-after-foreclosure/</link>
		<comments>http://edbrophy.com/palm-springs-homeowners-can-be-assessed-hoa-fees-after-foreclosure/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 16:37:05 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Palm Springs]]></category>
		<category><![CDATA[Palm Springs Homeowners Can Be Assessed HOA Fees After Foreclosure]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>
		<category><![CDATA[Palm Springs Realtor]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=5113</guid>
		<description><![CDATA[I&#8217;m often contacted and asked if Palm Springs Homeowners Can Be Assessed HOA Fees After Foreclosure. The short answer is yes, but it&#8217;s best to check with an attorney on such matters. The economy is still in the dumps. In most communities around Palm Springs, 20% or more of the residents are facing some sort [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Mac Offers Relief for Palm Springs Short Sales</title>
		<link>http://edbrophy.com/freddie-mac-offers-relief-for-palm-springs-short-sales/</link>
		<comments>http://edbrophy.com/freddie-mac-offers-relief-for-palm-springs-short-sales/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 16:06:03 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Freddie Mac Offers Relief for Palm Springs Short Sales]]></category>
		<category><![CDATA[Palm Springs]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>
		<category><![CDATA[Palm Springs Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=5105</guid>
		<description><![CDATA[Freddie Mac Offers Relief for Palm Springs Short Sale owners wishing to keep their homes! Are you upside down in your home? Have an adjustable rate mortgage that is not paying down the balance? Do you have a dreaded Freddie Mac loan??? If you are a homeowner in that position – then I have great news for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Palm Springs Short Sales and Home Inspections</title>
		<link>http://edbrophy.com/palm-springs-short-sales-and-home-inspections/</link>
		<comments>http://edbrophy.com/palm-springs-short-sales-and-home-inspections/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 16:29:19 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[Palm Spring Realtor]]></category>
		<category><![CDATA[Palm Springs]]></category>
		<category><![CDATA[Palm Springs Home Inspections]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>
		<category><![CDATA[Palm Springs Short Sales]]></category>
		<category><![CDATA[Palm Springs Short Sales and Home Inspections]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=5095</guid>
		<description><![CDATA[Most sellers of Palm Springs short sales are in financial distress and more than likely will not pay for any requests for repairs resulting from the home inspection. With that information if mind, should you still pay to have a professional home inspection? Definitely YES, even though the seller may not have funds to make repairs,  you need [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Palm Springs and Bank of America Short Sales</title>
		<link>http://edbrophy.com/palm-springs-and-bank-of-america-short-sales/</link>
		<comments>http://edbrophy.com/palm-springs-and-bank-of-america-short-sales/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 16:00:37 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Palm Springs and Bank of America Short Sales]]></category>
		<category><![CDATA[Palm Springs Loan Modification]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>
		<category><![CDATA[Palm Springs Real Estate Agent]]></category>
		<category><![CDATA[Palm Springs Realtor]]></category>
		<category><![CDATA[Palm Springs Short Sales]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=5081</guid>
		<description><![CDATA[As of December 1, 2011, Bank of America made changes to the short sale process that will reduce the time needed to complete a short sale. &#8220; When a short sale is submitted with an offer and the homeowner is HAFA eligible, we will no longer halt work on the file while waiting to contact the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Palm Springs Short Sales</title>
		<link>http://edbrophy.com/palm-springs-short-sales/</link>
		<comments>http://edbrophy.com/palm-springs-short-sales/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 01:05:00 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Palm Springs Loan Modification]]></category>
		<category><![CDATA[Palm Springs Real Estate]]></category>
		<category><![CDATA[Palm Springs Real Estate Agent]]></category>
		<category><![CDATA[Palm Springs Realtor]]></category>
		<category><![CDATA[Palm Springs Short Sales]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=5067</guid>
		<description><![CDATA[There has been a lot in the news lately about Palm Springs Short Sales and Loan Modifications.  As more and more homeowners find themselves in the position to either short sale their Palm Springs home or attempt a loan modification, I thought I would share with you some of the things to be on the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rancho Las Palmas Country Club Short Sale</title>
		<link>http://edbrophy.com/rancho-las-palmas-country-club-short-sale/</link>
		<comments>http://edbrophy.com/rancho-las-palmas-country-club-short-sale/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 20:00:16 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Hot Properties]]></category>
		<category><![CDATA[Rancho Mirage]]></category>
		<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[ed brophy realtor]]></category>
		<category><![CDATA[featured]]></category>
		<category><![CDATA[rancho las palmas country club]]></category>
		<category><![CDATA[Rancho Las Palmas Country Club Short Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>
		<category><![CDATA[Rancho Mirage Real Estate Agent]]></category>
		<category><![CDATA[rancho mirage real estate for sale]]></category>
		<category><![CDATA[Rancho Mirage Realtor]]></category>
		<category><![CDATA[rancho mirage short sale]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=4896</guid>
		<description><![CDATA[This beautifully maintained 3,000 plan at Rancho Las Palmas Country Club in Rancho Mirage has recently seen a major price reduction from $575,000 to $499,00 and is now being offered as a short sale subject to lenders approval.  The home is far and above the best on the market compared to other 3,000 plans offered [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/rancho-las-palmas-country-club-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Three Things To Know Before Attempting a Short Sale</title>
		<link>http://edbrophy.com/three-things-to-know-before-attempting-a-short-sale/</link>
		<comments>http://edbrophy.com/three-things-to-know-before-attempting-a-short-sale/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 15:25:30 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[non-recourse loan]]></category>
		<category><![CDATA[recourse loan]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Three Things To Know Before Attempting a Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=4852</guid>
		<description><![CDATA[Every homeowner should know their states foreclosure laws and these three things before attempting a short sale, unfortunately there aren&#8217;t short sale laws, only federal short sale guidelines that banks can choose to follow or not. Laws Are Local States either have recourse loans or non-recourse loans. A recourse loan allows the bank to demand a [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/three-things-to-know-before-attempting-a-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank Of America Has Their Own Loan Modification Rules</title>
		<link>http://edbrophy.com/bank-of-america-has-their-own-loan-modification-rules/</link>
		<comments>http://edbrophy.com/bank-of-america-has-their-own-loan-modification-rules/#comments</comments>
		<pubDate>Thu, 03 Feb 2011 05:23:59 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2976</guid>
		<description><![CDATA[Bank of America’s earnings power is expected to strengthen this year, as losses on loans ease and the national economy gradually recovers. But the foreclosure practices of Bank of America and other large mortgage servicers remain under investigation by all 50 state attorneys general, and that controversy is likely to continue to overshadow positive news [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/bank-of-america-has-their-own-loan-modification-rules/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Extended Foreclosure Freeze Could Add Pressure on Housing Market</title>
		<link>http://edbrophy.com/extended-foreclosure-freeze-could-add-pressure-on-housing-market/</link>
		<comments>http://edbrophy.com/extended-foreclosure-freeze-could-add-pressure-on-housing-market/#comments</comments>
		<pubDate>Mon, 11 Oct 2010 20:39:19 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[California Foreclosure Rates]]></category>
		<category><![CDATA[california foreclosures]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[CredAbility]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure freeze]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2866</guid>
		<description><![CDATA[An extended halt of foreclosure proceedings could put additional pressure on an already strained housing market as federal and state officials press banks for answers on possible problems with mortgage paperwork. The issue has snowballed during past two weeks as four banks &#8212; Bank of America, JP Morgan Chase, Ally Financial&#8217;s GMAC mortgage division and [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/extended-foreclosure-freeze-could-add-pressure-on-housing-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Law Gives CA Homeowners Deficiency Protection After Short Sale</title>
		<link>http://edbrophy.com/new-law-gives-ca-homeowners-deficiency-protection-after-short-sale/</link>
		<comments>http://edbrophy.com/new-law-gives-ca-homeowners-deficiency-protection-after-short-sale/#comments</comments>
		<pubDate>Sat, 09 Oct 2010 14:59:21 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<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[Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2854</guid>
		<description><![CDATA[California Gov. Arnold Schwarzenegger signed a state bill into law Oct. 1 prohibiting mortgage holders from pursuing deficiencies after a short sale is accepted. Before S.B. 931 was signed, distressed borrowers who sold their homes for less than the owed amount were still in danger of owing the debt left over, or the deficiency. Many [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/new-law-gives-ca-homeowners-deficiency-protection-after-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Palm Springs Foreclosures Are Renting With Positive Cash Flow</title>
		<link>http://edbrophy.com/palm-springs-foreclosures-are-renting-with-positive-cash-flow/</link>
		<comments>http://edbrophy.com/palm-springs-foreclosures-are-renting-with-positive-cash-flow/#comments</comments>
		<pubDate>Tue, 05 Oct 2010 17:00:45 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<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>
		<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>

		<guid isPermaLink="false">http://edbrophy.com/?p=2827</guid>
		<description><![CDATA[We all have a lot of options when it comes to investing. We can invest in stocks, bonds, currencies, futures and a lot of other things that all have one thing in common. They are just pieces of paper that we put our faith in. They are basically promises to pay later, made by a [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/palm-springs-foreclosures-are-renting-with-positive-cash-flow/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short Sale: How to Write A Hardship Letter</title>
		<link>http://edbrophy.com/short-sale-how-to-write-a-hardship-letter/</link>
		<comments>http://edbrophy.com/short-sale-how-to-write-a-hardship-letter/#comments</comments>
		<pubDate>Mon, 04 Oct 2010 16:25:35 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[California Lender]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[California Mortgage Professional]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california mortgages]]></category>
		<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>
		<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 Legal Issus]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2817</guid>
		<description><![CDATA[More and more people these days are facing the harsh reality that they are upside down on what they owe on their homes. A short sale for some, is a viable option that helps them with their situation and doesn’t damage their credit quite as bad as a foreclosure. (See attached) Here are a few [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/short-sale-how-to-write-a-hardship-letter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 Tips to Getting Your Loan Modification Application Reviewed</title>
		<link>http://edbrophy.com/8-tips-to-getting-your-loan-modification-application-reviewed/</link>
		<comments>http://edbrophy.com/8-tips-to-getting-your-loan-modification-application-reviewed/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 17:07:10 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Loan Modification]]></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>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[CredAbility]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></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[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2776</guid>
		<description><![CDATA[Many homeowners seeking a loan modification to lower their monthly mortgage payments and avoid foreclosure continue to find the application process a complex web, often causing them to give up before their application is ever reviewed by their mortgage company. Certified housing counselors for CredAbility, a national nonprofit credit counseling and education agency, speak daily [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/8-tips-to-getting-your-loan-modification-application-reviewed/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Prompt Decision for Qualification of Short Sale Act of 2010 to Set 45 Day Limit on Decisions</title>
		<link>http://edbrophy.com/prompt-decision-for-qualification-of-short-sale-act-of-2010-to-set-45-day-limit-on-decisions/</link>
		<comments>http://edbrophy.com/prompt-decision-for-qualification-of-short-sale-act-of-2010-to-set-45-day-limit-on-decisions/#comments</comments>
		<pubDate>Thu, 23 Sep 2010 14:24:13 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Financing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></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[NAR]]></category>
		<category><![CDATA[national association of realtors]]></category>
		<category><![CDATA[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2667</guid>
		<description><![CDATA[Real estate brokers who have long complained about the time it takes to complete a short sale now have two U.S. congressmen in their corner who are sponsoring a bill that would require lenders to respond to consumer short sale requests within 45 days. Real estate brokers — and homeowners – have long complained about [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Number of Properties Entering REO Status Highest Since 2005</title>
		<link>http://edbrophy.com/number-of-properties-entering-reo-status-highest-since-2005/</link>
		<comments>http://edbrophy.com/number-of-properties-entering-reo-status-highest-since-2005/#comments</comments>
		<pubDate>Wed, 22 Sep 2010 15:19:15 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[FHA Financing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></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[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2661</guid>
		<description><![CDATA[Lenders foreclosed on 95,364 residential properties in August, the highest monthly total since RealtyTrac began tracking foreclosures in April 2005. The figure is up from the previous peak in May of 93,777 bank repossessions, and up 25% from a year ago. “We’ve seen nine straight months of increases in REOs,” said Daren Blomquist, RealtyTrac spokesman, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Modification Denials Spark Lawsuits</title>
		<link>http://edbrophy.com/home-modification-denials-spark-lawsuits/</link>
		<comments>http://edbrophy.com/home-modification-denials-spark-lawsuits/#comments</comments>
		<pubDate>Sun, 12 Sep 2010 17:59:50 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Loan Modification]]></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>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></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[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2548</guid>
		<description><![CDATA[By Stephanie Armour, USA TODAY Anthony and April Soper&#8217;s financial troubles were only starting last October when they applied for a mortgage adjustment through the Obama administration&#8217;s Home Affordable Modification Program. Bank of America, their mortgage servicer, put them on a HAMP trial payment plan in December that cut their monthly payment by more than [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why do Short Sales Take so Long to Close?</title>
		<link>http://edbrophy.com/why-do-short-sales-take-so-long-to-close/</link>
		<comments>http://edbrophy.com/why-do-short-sales-take-so-long-to-close/#comments</comments>
		<pubDate>Sat, 11 Sep 2010 17:24:24 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></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[Palm Spring Real Estate]]></category>
		<category><![CDATA[palm springs mortgage]]></category>
		<category><![CDATA[palm springs property]]></category>
		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2390</guid>
		<description><![CDATA[Real estate professionals know that a short sale transaction can take months for it to be approved and closed. The reality is that short sales usually take three to four times as much as a regular sale to finally get to the closing. From the time the Realtor actually gets the property under contract to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MBA Report: 1 in 7 Homeowners Past Due or in Foreclosure</title>
		<link>http://edbrophy.com/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/</link>
		<comments>http://edbrophy.com/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 16:25:04 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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[FHA Loans]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Streamline Refinanc]]></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>

		<guid isPermaLink="false">http://edbrophy.com/?p=2272</guid>
		<description><![CDATA[MBA Report: 1 in 7 Homeowners Past Due or in Foreclosure One in seven homeowners is past due on their mortgage or in foreclosure, according to the Mortgage Bankers Association&#8217;s latest report on home loan delinquencies. The report shows that mortgage delinquencies rose during the second quarter, and overall, one in seven borrowers is delinquent [...]]]></description>
		<wfw:commentRss>http://edbrophy.com/mba-report-1-in-7-homeowners-past-due-or-in-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will a Short Sale Save Your Credit?</title>
		<link>http://edbrophy.com/will-a-short-sale-save-your-credit/</link>
		<comments>http://edbrophy.com/will-a-short-sale-save-your-credit/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 01:25:26 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></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[foreclosure]]></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>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1668</guid>
		<description><![CDATA[Will a Short Sale Save Your Credit? Stuck in a house you can’t afford or can’t sell for more than you owe on it? Beware the Web, where you’ll see plenty of claims that short sales will save your credit, simple as that. But there’s nothing simple about deciding whether to sell your house in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Many Stay at Home for Free as Banks Defer Evictions</title>
		<link>http://edbrophy.com/many-stay-at-home-for-free-as-banks-defer-evictions/</link>
		<comments>http://edbrophy.com/many-stay-at-home-for-free-as-banks-defer-evictions/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 01:07:26 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<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[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1648</guid>
		<description><![CDATA[Many Stay at Home for Free as Banks Defer Evictions It’s been 16 months since Eugene and Patricia Harrison last paid the mortgage on their Perris, Calif., home. Eleven months since the notice got slapped on their front door, warning that it would be sold at auction. A terse letter from a lawyer came eight [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank Auction: Great Rancho Mirage Investment Opportunity</title>
		<link>http://edbrophy.com/bank-auction-great-rancho-mirage-investment-opportunity-2/</link>
		<comments>http://edbrophy.com/bank-auction-great-rancho-mirage-investment-opportunity-2/#comments</comments>
		<pubDate>Sun, 06 Jun 2010 01:54:40 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Short Sale and Foreclosure]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[Bank Owned Properties]]></category>
		<category><![CDATA[Bank Property Auction]]></category>
		<category><![CDATA[california foreclosures]]></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[Foreclosures]]></category>
		<category><![CDATA[HomePath Mortgage]]></category>
		<category><![CDATA[HomePath Renovation Mortgage]]></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[Rancho Mirage Bank Owned Properties]]></category>
		<category><![CDATA[Rancho Mirage Foreclosures]]></category>
		<category><![CDATA[Rancho Mirage Property Auction]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>
		<category><![CDATA[Rancho Mirage REO]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[REO]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1522</guid>
		<description><![CDATA[Time is running out to get your pre-auction bid in on this 2 bedroom 2 bath condo in Rancho Mirage. It&#8217;s listed at $89,900 my bet is you can probably pick this up for somewhere in the $50 to $60K range. It&#8217;s a perfect opportunity for someone who doesn&#8217;t mind a little work and wants [...]]]></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>
		<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[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<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>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>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>7 Short Sale Myths</title>
		<link>http://edbrophy.com/7-short-sale-myths/</link>
		<comments>http://edbrophy.com/7-short-sale-myths/#comments</comments>
		<pubDate>Sat, 22 May 2010 02:01:10 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<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=1141</guid>
		<description><![CDATA[With short sales making up almost 35% of home sales in March and the country with a national foreclosure problem, let&#8217;s sets the record straight on common 7 short sale myths. What is a short sale? A short sale occurs when the net proceeds from the sale of a home are not enough to cover [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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