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	<title>New York Short Sale Blog &#187; short sale realtor</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; short sale realtor</title>
		<link>http://nyshortsaleblog.com</link>
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		<title>New York Short Sales- Now They Are Common</title>
		<link>http://nyshortsaleblog.com/2009/06/19/new-york-short-sales-now-they-are-common/</link>
		<comments>http://nyshortsaleblog.com/2009/06/19/new-york-short-sales-now-they-are-common/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 17:00:18 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></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[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>

		<guid isPermaLink="false">http://nyshortsaleblog.com/?p=182</guid>
		<description><![CDATA[I recall listing my first short sale since the 90&#8242;s in 2006. The reaction from both the public and most agents to the term &#8220;short sale&#8221; was typically one of curiosity and confusion. What is a short sale? How does it work? How long will it take? Is it for real? Now short sales are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=182&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>
		<item>
		<title>First Time in a Long Time</title>
		<link>http://nyshortsaleblog.com/2009/05/20/first-time-in-a-long-time/</link>
		<comments>http://nyshortsaleblog.com/2009/05/20/first-time-in-a-long-time/#comments</comments>
		<pubDate>Wed, 20 May 2009 12:13:23 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[New York short sale agent]]></category>
		<category><![CDATA[New York Short sale expert]]></category>
		<category><![CDATA[New York short sale Realtor]]></category>
		<category><![CDATA[New York short sale specialist]]></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=152</guid>
		<description><![CDATA[May, 2009 will be the first month in recent memory that we did not close on a short sale. Three regular sales closed (interestingly, all were in Putnam County), but no workouts were among them.  Is this a good sign for the economy? Unfortunately, it is an anomaly. One short sale I referred to a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=152&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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		<item>
		<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>
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		<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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		<item>
		<title>Fannie Mae to Banks: You Can&#8217;t Cut Broker Commission</title>
		<link>http://nyshortsaleblog.com/2009/03/24/fannie-mae-to-banks-you-cant-cut-broker-commission/</link>
		<comments>http://nyshortsaleblog.com/2009/03/24/fannie-mae-to-banks-you-cant-cut-broker-commission/#comments</comments>
		<pubDate>Tue, 24 Mar 2009 12:03:31 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Fannie mae]]></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[short sale commissions]]></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>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=132</guid>
		<description><![CDATA[Fannie Mae&#8217;s recent edict forbidding the cutting down of the broker commission as part of the short sale negotiation is very good for distressed sellers and buyers, not just the agents. I&#8217;ll explain. Naturally, brokers and agents are relieved because it ensures that the considerable time and effort that goes into selling a short sale [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=132&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/03/24/fannie-mae-to-banks-you-cant-cut-broker-commission/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>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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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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		<item>
		<title>Should Sellers Sign a Contract Prior to Short Sale Approval?</title>
		<link>http://nyshortsaleblog.com/2009/02/27/should-sellers-sign-a-contract-prior-to-short-sale-approval/</link>
		<comments>http://nyshortsaleblog.com/2009/02/27/should-sellers-sign-a-contract-prior-to-short-sale-approval/#comments</comments>
		<pubDate>Fri, 27 Feb 2009 13:54:04 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[buying a short sale]]></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[orange county short sale]]></category>
		<category><![CDATA[Orange County short sale Realtor]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[Putnam short sale Realtor]]></category>
		<category><![CDATA[Rockland short sale Realtor]]></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 specialist]]></category>
		<category><![CDATA[Westchester short sales]]></category>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=118</guid>
		<description><![CDATA[A recent posting from an Ohio broker highlights how real estate differs from place to place. In it, she says that she advises her clients to not sign a contract with a buyer if the house is a short sale prior to getting the bank&#8217;s approval. While I won&#8217;t quarrel with what works for someone [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=118&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/02/27/should-sellers-sign-a-contract-prior-to-short-sale-approval/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">J. Philip Faranda (866) 343-2889</media:title>
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	</item>
		<item>
		<title>What is a BPO?</title>
		<link>http://nyshortsaleblog.com/2009/02/08/what-is-a-bpo/</link>
		<comments>http://nyshortsaleblog.com/2009/02/08/what-is-a-bpo/#comments</comments>
		<pubDate>Sun, 08 Feb 2009 15:22:33 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[BPO]]></category>
		<category><![CDATA[Broker Price Opinion]]></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[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=106</guid>
		<description><![CDATA[BPO stands for &#8220;broker price opinion.&#8221; It is a part of the short sale process that the lender uses to evaluate the merit of a short sale application. Simply put, the lender uses a BPO to ensure that the proposed sales price is aligned with market conditions. Some Westchester County Short sales, for example, are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=106&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>The Single Mom- Orange County Short Sale</title>
		<link>http://nyshortsaleblog.com/2009/01/24/the-single-mom-orange-county-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2009/01/24/the-single-mom-orange-county-short-sale/#comments</comments>
		<pubDate>Sun, 25 Jan 2009 04:45:23 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></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[orange county short sale]]></category>
		<category><![CDATA[Orange County short sale Realtor]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[short sale realtor]]></category>
		<category><![CDATA[short sale specialist]]></category>

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		<description><![CDATA[This transaction came several years ago, before the market decline was fully accepted by home sellers. The client was a single mother who, because of a heart condition, missed a great deal of work and fell behind on her home loan. By the time I had met her, she was finished with another agent who [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=99&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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