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	<title>New York Short Sale Blog &#187; Westchester short sale agent</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; Westchester short sale agent</title>
		<link>http://nyshortsaleblog.com</link>
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		<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>
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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>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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		<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>
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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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		<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>
		<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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		<item>
		<title>Should You Buy a Short Sale?</title>
		<link>http://nyshortsaleblog.com/2009/01/17/should-you-buy-a-short-sale/</link>
		<comments>http://nyshortsaleblog.com/2009/01/17/should-you-buy-a-short-sale/#comments</comments>
		<pubDate>Sat, 17 Jan 2009 13:53:49 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[buying a short sale]]></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[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 Realtor]]></category>
		<category><![CDATA[westchester short sale specialist]]></category>
		<category><![CDATA[Westchester short sales]]></category>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=75</guid>
		<description><![CDATA[Buying any foreclosure is tricky, and a short sale is probably the longest process. Is purchasing a short sale right for you? Perhaps you rent in Westchester, Rockland, Putnam or Dutchess and are considering a short sale purchase in one of those areas. Here are some things you ought to know: You can&#8217;t be in a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=75&amp;subd=newyorkshortsaleblog&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nyshortsaleblog.com/2009/01/17/should-you-buy-a-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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		<item>
		<title>Westchester Short Sales by the Numbers</title>
		<link>http://nyshortsaleblog.com/2009/01/14/westchester-short-sales-by-the-numbers/</link>
		<comments>http://nyshortsaleblog.com/2009/01/14/westchester-short-sales-by-the-numbers/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 13:17:05 +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 specialist]]></category>
		<category><![CDATA[pre foreclosure]]></category>
		<category><![CDATA[short sale expenses]]></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=59</guid>
		<description><![CDATA[The question that pops up for people who can no longer pay their mortgage is how much money they&#8217;ll have to come up with in order to get out from under their mortgage through a short sale. It is like the old catch-22 I&#8217;ve often heard where the client tells me that they want to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=59&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>Solutions for No Equity and Falling Behind on the Mortgage</title>
		<link>http://nyshortsaleblog.com/2009/01/13/solutions-for-no-equity-and-falling-behind-on-the-mortgage/</link>
		<comments>http://nyshortsaleblog.com/2009/01/13/solutions-for-no-equity-and-falling-behind-on-the-mortgage/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 14:14:36 +0000</pubDate>
		<dc:creator>J. Philip Faranda</dc:creator>
				<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[choosing an agent]]></category>
		<category><![CDATA[New York short sale agent]]></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 specialist]]></category>
		<category><![CDATA[Westchester short sales]]></category>

		<guid isPermaLink="false">http://newyorkshortsaleblog.wordpress.com/?p=38</guid>
		<description><![CDATA[In some markets, people who only borrowed 80% of their home&#8217;s value are waking up to the fact that they actually have no equity. It is happening in all communities- Yonkers, Yorktown, Scarsdale, Somers, White Plains, Wappinger Falls, you name it. No demographic, neighborhood or school district is immune from the ripple effect of the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nyshortsaleblog.com&amp;blog=6110404&amp;post=38&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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