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	<title>Carolina Foreclosure Resource</title>
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	<link>http://www.carolinaforeclosureresource.com</link>
	<description>Jonathan Osman, The Charlotte House Hunter Group - Keller Williams Realty</description>
	<lastBuildDate>Wed, 27 Jun 2012 19:25:52 +0000</lastBuildDate>
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		<title>How the $25 Billion National Mortgage Settlement Killed Short Sales</title>
		<link>http://www.carolinaforeclosureresource.com/2012/06/how-the-25-billion-national-mortgage-settlement-killed-short-sales/</link>
		<comments>http://www.carolinaforeclosureresource.com/2012/06/how-the-25-billion-national-mortgage-settlement-killed-short-sales/#comments</comments>
		<pubDate>Wed, 27 Jun 2012 19:25:52 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Short Sale Blog]]></category>
		<category><![CDATA[Ally]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[citi]]></category>
		<category><![CDATA[gmac]]></category>
		<category><![CDATA[national mortgage settlement]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1659</guid>
		<description><![CDATA[In February, the Justice Department and 49 states Attorney&#8217;s General reached a settlement between themselves and the nation&#8217;s five largest mortgage servicers: Bank of America, Ally / GMAC, Citi, Chase, and Wells Fargo.  At the time, it was viewed as a monumental accomplishment for foreclosure abuses related to the robo-signing scandal, where banks forged signatures [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bank of America Offering Short Sale Sellers $2,500 &#8211; $30,000 for Participation in Short Sale Program</title>
		<link>http://www.carolinaforeclosureresource.com/2012/05/bank-of-america-offering-short-sale-sellers-2500-30000-for-participation-in-short-sale-program/</link>
		<comments>http://www.carolinaforeclosureresource.com/2012/05/bank-of-america-offering-short-sale-sellers-2500-30000-for-participation-in-short-sale-program/#comments</comments>
		<pubDate>Mon, 28 May 2012 19:33:34 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Bank of America Home Loans]]></category>
		<category><![CDATA[Short Sale Blog]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[cooperative short sale]]></category>
		<category><![CDATA[hafa]]></category>
		<category><![CDATA[incentives]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1654</guid>
		<description><![CDATA[Bank of America has started reaching out to homeowners in distress to offer them an incentive as a part of their HAFA or Cooperative Short Sale program.  The Bank of America Cooperative short sale program isn&#8217;t new however this the first time in its existence that it has been heavily promoted.  The good news is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>I Have A IRS Tax Lien on My House? Can I Still Do a Short Sale?</title>
		<link>http://www.carolinaforeclosureresource.com/2012/04/i-have-a-irs-tax-lien-on-my-house-can-i-still-do-a-short-sale/</link>
		<comments>http://www.carolinaforeclosureresource.com/2012/04/i-have-a-irs-tax-lien-on-my-house-can-i-still-do-a-short-sale/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 12:30:23 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[IRS]]></category>
		<category><![CDATA[Short Sale Blog]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[tax lien]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1593</guid>
		<description><![CDATA[Federal tax liens are typically a problem for most loan modifications and short sales. When discovered, they have the ability to halt any processing and can prevent a closing.  Thankfully, having a Federal tax lien on your property isn&#8217;t the end of the world provided they are discovered in time. You can complete a short [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>BIG Changes Coming to Short Sales To Protect The Sellers</title>
		<link>http://www.carolinaforeclosureresource.com/2012/02/big-changes-coming-to-short-sales-to-protect-the-sellers/</link>
		<comments>http://www.carolinaforeclosureresource.com/2012/02/big-changes-coming-to-short-sales-to-protect-the-sellers/#comments</comments>
		<pubDate>Sat, 25 Feb 2012 01:54:07 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Help for Homeowners]]></category>
		<category><![CDATA[Short Sale Blog]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1588</guid>
		<description><![CDATA[Short sales took to the stage in the Charlotte are in 2008.  Prior to, most sellers (even those will little to no equity) were able to sell their home thanks to a steady 3-5% annual home price appreciation.  However, in 2008, the recession plus a lack of certainty in the market and a lack of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>The Next Foreclosure Wave is Here! Banks Foreclosing Faster on Late Homeowners</title>
		<link>http://www.carolinaforeclosureresource.com/2011/10/the-next-foreclosure-wave-is-here-banks-foreclosing-faster-on-late-homeowners/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/10/the-next-foreclosure-wave-is-here-banks-foreclosing-faster-on-late-homeowners/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 02:36:27 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1448</guid>
		<description><![CDATA[It wasn&#8217;t that long ago that you could miss a mortgage payment and not face a foreclosure sale for the next 800 days.  Yes, that&#8217;s right 800 days is the national average from the first delinquency to the foreclosure sale. Much of that has to do with the way that banks handle delinquent homeowners.  Banks, [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How to Apply for the HAFA Short Sale Program</title>
		<link>http://www.carolinaforeclosureresource.com/2011/08/how-to-apply-for-the-hafa-short-sale-program/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/08/how-to-apply-for-the-hafa-short-sale-program/#comments</comments>
		<pubDate>Thu, 25 Aug 2011 15:50:33 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[HAFA]]></category>
		<category><![CDATA[hafa]]></category>
		<category><![CDATA[hamp]]></category>
		<category><![CDATA[home affordable]]></category>
		<category><![CDATA[home affordable foreclosure alternative]]></category>
		<category><![CDATA[home affordable modification program]]></category>
		<category><![CDATA[obama program]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1439</guid>
		<description><![CDATA[The HAFA (Home Affordable Foreclosure Alternative Program) Short Sale program is designed to help homeowners facing foreclosure to &#8220;exit gracefully.&#8221;  There are three different versions of the HAFA Program and the category that you fall into is determined by who is actually the investor behind your mortgage: 1. Private Investors (Hedge Funds, Banks, etc), 2. [...]]]></description>
		<wfw:commentRss>http://www.carolinaforeclosureresource.com/2011/08/how-to-apply-for-the-hafa-short-sale-program/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Paying Up-Front Fees For Short Sale Services Offers No Guarantee of Success</title>
		<link>http://www.carolinaforeclosureresource.com/2011/08/paying-up-front-fees-for-short-sale-services-offers-no-guarantee-of-success/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/08/paying-up-front-fees-for-short-sale-services-offers-no-guarantee-of-success/#comments</comments>
		<pubDate>Thu, 25 Aug 2011 15:03:08 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Help for Homeowners]]></category>
		<category><![CDATA[charlotte short sale]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[upfront fees]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1434</guid>
		<description><![CDATA[Now that the FTC has once again exempted real estate agents from the MARS disclosure act, some agents and services are once again charging up front fees.  These fees range anywhere from $500 &#8211; $2,000 to assist a homeowner through a short sale or a loan modification.  In North Carolina, its illegal to collect up-front [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Even a Mortgage Modification Will Hurt Your Credit</title>
		<link>http://www.carolinaforeclosureresource.com/2011/07/even-a-mortgage-modification-will-hurt-your-credit/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/07/even-a-mortgage-modification-will-hurt-your-credit/#comments</comments>
		<pubDate>Sat, 09 Jul 2011 15:00:27 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[forbearance]]></category>
		<category><![CDATA[hamp]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[mortgage modification]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1412</guid>
		<description><![CDATA[Often, struggling homeowners shy away from a short sale because of the potential credit harm that will result from the sale.  However, a mortgage modification is not without equivalent or more substantial credit penalties. The main issue with a mortgage modification is that your servicer or your investor may require that you are delinquent on [...]]]></description>
		<wfw:commentRss>http://www.carolinaforeclosureresource.com/2011/07/even-a-mortgage-modification-will-hurt-your-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CitiMortgage Offering Select Borrowers $12000 after Short Sale</title>
		<link>http://www.carolinaforeclosureresource.com/2011/07/citimortgage-offering-select-borrowers-12000-after-short-sale/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/07/citimortgage-offering-select-borrowers-12000-after-short-sale/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 14:41:36 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[CitiMortgage / Citibank]]></category>
		<category><![CDATA[citi]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[citimortgage]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1406</guid>
		<description><![CDATA[Following the move of Chase Bank, the Treasury Department&#8217;s HAFA program and the FHA, CitiMortgage is now offering select borrowers an average of $12,000 for completing a short sale this year.  That&#8217;s great news for homeowners with a Citi first mortgage that may be facing a financial hardship.  The goal is encourage homeowners that are [...]]]></description>
		<wfw:commentRss>http://www.carolinaforeclosureresource.com/2011/07/citimortgage-offering-select-borrowers-12000-after-short-sale/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>GMAC Mortgage / Ally Short Sale Info</title>
		<link>http://www.carolinaforeclosureresource.com/2011/06/gmac-mortgage-ally-short-sale-info/</link>
		<comments>http://www.carolinaforeclosureresource.com/2011/06/gmac-mortgage-ally-short-sale-info/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 16:00:21 +0000</pubDate>
		<dc:creator>Jonathan Osman</dc:creator>
				<category><![CDATA[Ally / GMAC]]></category>
		<category><![CDATA[Ally]]></category>
		<category><![CDATA[gmac]]></category>
		<category><![CDATA[Kazork]]></category>

		<guid isPermaLink="false">http://www.carolinaforeclosureresource.com/?p=1396</guid>
		<description><![CDATA[GMAC Loss Mitigation: 1-800-850-4622 Fax: 1-866-502-0424 Letter of Authorization Fax: 1-866-709-4744 Tips for working with GMAC: Make contact as soon as the property is listed for sale.  Send in the letter of authorization and then follow up with a phone call to loss mitigation.  After the authorization letter is processed, they will allow you to [...]]]></description>
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