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	<title>New York Short Sale Blog &#187; avoiding foreclosure</title>
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	<description>Short Sale Commentary From J. Philip Real Estate, One Of Westchester County, NY&#039;s Top Short Sale REALTORS</description>
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		<title>New York Short Sale Blog &#187; avoiding foreclosure</title>
		<link>http://nyshortsaleblog.com</link>
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		<item>
		<title>When Everyone Walks Away with Money Exept the Seller</title>
		<link>http://nyshortsaleblog.com/2011/03/26/when-everyone-walks-away-with-money-exept-the-seller/</link>
		<comments>http://nyshortsaleblog.com/2011/03/26/when-everyone-walks-away-with-money-exept-the-seller/#comments</comments>
		<pubDate>Sun, 27 Mar 2011 01:11:22 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[preserving credit]]></category>
		<category><![CDATA[proceeds]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=2509</guid>
		<description><![CDATA[Just about every home sale is stressful on the seller. A short sale, given the higher stakes and financial ramifications, often has even more stress for the seller than a typical transaction. On a few occasions, I have had a short sale client lament that they are &#8220;left out&#8221; in a way, in that everyone [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=2509&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<item>
		<title>Please Take Off Your Clothes</title>
		<link>http://nyshortsaleblog.com/2011/03/03/please-take-off-your-clothes/</link>
		<comments>http://nyshortsaleblog.com/2011/03/03/please-take-off-your-clothes/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 04:42:59 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[questions]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=1555</guid>
		<description><![CDATA[I just finished my first day of CDPE (Certified Distressed Property Expert) class, and am reflecting on one of the more profound insights given by the instructor, Mark Boyland. Mark, who is an excellent presenter, compared the difficult issues we have to sort out with distressed homeowners with the rather matter of fact way a doctor handles another [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=1555&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>3</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>How Do You Price a Short Sale?</title>
		<link>http://nyshortsaleblog.com/2010/11/14/how-do-you-price-a-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2010/11/14/how-do-you-price-a-short-sale/#comments</comments>
		<pubDate>Mon, 15 Nov 2010 02:34:00 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[pricing]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=312</guid>
		<description><![CDATA[After two similar discussions the past week, it would be wise to address how a short sale should be priced. After all, if the offer submitted to the lender is subject to approval and therefore not a certainty, all the more that the asking price is also a hypothesis. It is. But, as educated guesses [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=312&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>3</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>Can an Owner Reject an Offer in a Short Sale?</title>
		<link>http://nyshortsaleblog.com/2010/10/29/can-an-owner-reject-an-offer-in-a-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2010/10/29/can-an-owner-reject-an-offer-in-a-short-sale/#comments</comments>
		<pubDate>Fri, 29 Oct 2010 11:44:31 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[low offers]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[Owners rights]]></category>
		<category><![CDATA[rejecting offers]]></category>
		<category><![CDATA[Westchester short sale Realtor]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=303</guid>
		<description><![CDATA[Contrary to what some may think, an owner is not obligated to submit every offer to the lender for approval in order to do a short sale. As a matter of fact, there are offers that an owner should never submit to the lender. That is the owner&#8217;s right, as they still hold title and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=303&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>NY Times: Banks Resisting Short Sales</title>
		<link>http://nyshortsaleblog.com/2010/10/26/ny-times-banks-resisting-short-sales/</link>
		<comments>http://nyshortsaleblog.com/2010/10/26/ny-times-banks-resisting-short-sales/#comments</comments>
		<pubDate>Tue, 26 Oct 2010 17:42:58 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[foreclosure moratorium]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[New York Times]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=295</guid>
		<description><![CDATA[The top emailed story on the New York Times website today, Short Sales Resisted as Foreclosures Are Revived, is over 2 days old. That it remains pinned as the top story to share is significant, especially to anyone in New York who is facing foreclosure or in a short sale. Bank of America has, after [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=295&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2010/10/26/ny-times-banks-resisting-short-sales/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>Obama and Administration Encourage More Short Sales</title>
		<link>http://nyshortsaleblog.com/2009/05/15/obama-and-administration-encourage-more-short-sales/</link>
		<comments>http://nyshortsaleblog.com/2009/05/15/obama-and-administration-encourage-more-short-sales/#comments</comments>
		<pubDate>Fri, 15 May 2009 12:15:00 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[short sale specialist]]></category>
		<category><![CDATA[Westchester short sale Realtor]]></category>
		<category><![CDATA[Westchester short sales]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=154</guid>
		<description><![CDATA[The government has moved to increase the incentive for lenders to allow short sales on their defaulted loans. I welcome this, although there is nothing specified as to how they&#8217;ll hold banks accountable for streamlining the process, which is rife with red tape, bureaucracy and long waits. If they truly want to make short sales happen more [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=154&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/05/15/obama-and-administration-encourage-more-short-sales/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>The Fast Closing: Putnam Valley Short Sale</title>
		<link>http://nyshortsaleblog.com/2009/04/30/the-fast-closing-putnam-valley-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2009/04/30/the-fast-closing-putnam-valley-short-sale/#comments</comments>
		<pubDate>Thu, 30 Apr 2009 05:10:36 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Success Stories]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[hudson valley short sale Realtor]]></category>
		<category><![CDATA[New York short sale agent]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[New York short sale specialist]]></category>
		<category><![CDATA[putnam short sale expert]]></category>
		<category><![CDATA[Putnam short sale Realtor]]></category>
		<category><![CDATA[Putnam short sale specialist]]></category>
		<category><![CDATA[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=150</guid>
		<description><![CDATA[128 days ago, I sat at a dining room table in Putnam Valley, New York, just north of the Westchester County border with a young couple who were listed 4 times previously with 3 different brokerages in unsuccessful attempts to sell their home. Along the way, they got behind on their payments due to loss of income [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=150&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/04/30/the-fast-closing-putnam-valley-short-sale/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<item>
		<title>Why Armadillos Don&#8217;t Own Real Estate</title>
		<link>http://nyshortsaleblog.com/2009/04/23/why-armadillos-dont-own-real-estate/</link>
		<comments>http://nyshortsaleblog.com/2009/04/23/why-armadillos-dont-own-real-estate/#comments</comments>
		<pubDate>Thu, 23 Apr 2009 15:57:32 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Not-so-Successful-Stories]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[New York short sale agent]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[New York short sale specialist]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>
		<category><![CDATA[Westchester short sale agent]]></category>
		<category><![CDATA[westchester short sale real estate agent]]></category>
		<category><![CDATA[Westchester short sale Realtor]]></category>
		<category><![CDATA[westchester short sale specialist]]></category>
		<category><![CDATA[Yonkers short sales]]></category>
		<category><![CDATA[Yonkers short sales agent]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=140</guid>
		<description><![CDATA[I have blogged previously that lizards who are smart enough to move survive and those that sit still are quickly eaten by any colonies. Both sitting still and moving are survival mechanisms, but depending on the circumstances one can kill you and the other can save your life. In a New York short sale, curling [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=140&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/04/23/why-armadillos-dont-own-real-estate/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>The  Divorce: Dutchess County Short Sale</title>
		<link>http://nyshortsaleblog.com/2009/03/11/the-divorce-dutchess-county-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2009/03/11/the-divorce-dutchess-county-short-sale/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 17:02:12 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Success Stories]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[divorcing home sellers]]></category>
		<category><![CDATA[dutchess county short sales]]></category>
		<category><![CDATA[Dutchess short sale Realtor]]></category>
		<category><![CDATA[hudson valley short sale Realtor]]></category>
		<category><![CDATA[New York short sale agent]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[New York short sale specialist]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=104</guid>
		<description><![CDATA[This short sale closed at the end of this past year. The clients were divorced, and the home they had built while married was incomplete and upside down. The house was listed this past summer. Divorce cases are in and of themselves difficult. I have to give both clients credit in their dealings with me- [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=104&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/03/11/the-divorce-dutchess-county-short-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<title>Westchester Short Sales- March Mumbers</title>
		<link>http://nyshortsaleblog.com/2009/03/09/westchester-short-sales-march-mumbers/</link>
		<comments>http://nyshortsaleblog.com/2009/03/09/westchester-short-sales-march-mumbers/#comments</comments>
		<pubDate>Tue, 10 Mar 2009 02:32:39 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[New York short sale agent]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[New York short sale specialist]]></category>
		<category><![CDATA[New York short sales]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>
		<category><![CDATA[Westchester short sale agent]]></category>
		<category><![CDATA[westchester short sale real estate agent]]></category>
		<category><![CDATA[Westchester short sale Realtor]]></category>
		<category><![CDATA[westchester short sale specialist]]></category>
		<category><![CDATA[Westchester short sales]]></category>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=120</guid>
		<description><![CDATA[Unless otherwise indicated, all data in this post is from the Westchester-Putnam Multiple Listing Service. There are 3,454 single family homes actively for sale in Westchester County. Of those, 148 are disclosing either a short sale or foreclosure proceeding in process. This is about 4.3% of the available single family home inventory. The actual number is probably far higher than [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=120&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/03/09/westchester-short-sales-march-mumbers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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