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	<title>Hot On San Diego! &#187; Foreclosures &amp; Short Sales</title>
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	<link>http://www.hotonsandiego.com</link>
	<description>Hot On San Diego-Your San DiegobReal Estate Experts!</description>
	<lastBuildDate>Wed, 28 Jul 2010 05:22:56 +0000</lastBuildDate>
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		<title>When Is It Time To Short Sale My Home? Top Three Questions Answered</title>
		<link>http://www.hotonsandiego.com/2010/05/07/when-is-it-time-to-short-sale-my-home-top-three-questions-answered/</link>
		<comments>http://www.hotonsandiego.com/2010/05/07/when-is-it-time-to-short-sale-my-home-top-three-questions-answered/#comments</comments>
		<pubDate>Fri, 07 May 2010 15:46:58 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[Bel Etage]]></category>
		<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Salviati]]></category>
		<category><![CDATA[Santa Fe Valley]]></category>
		<category><![CDATA[Savenna]]></category>
		<category><![CDATA[bank owned]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1620</guid>
		<description><![CDATA[To initiate the short sale process, contact your lender(s).  Typically, the department to contact is your lender's Loss Mitigation  Department.  Either you or your authorized representative needs to ask the lender for  a short sale package or kit. Most lenders will make their particular  processing forms and procedures pertaining to their required short sale]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Need A Pre-Foreclosure Specialist?  We&#8217;re Certified To Help You!</title>
		<link>http://www.hotonsandiego.com/2010/04/25/need-a-pre-forclosure-specialist-were-certified-to-help-you/</link>
		<comments>http://www.hotonsandiego.com/2010/04/25/need-a-pre-forclosure-specialist-were-certified-to-help-you/#comments</comments>
		<pubDate>Sun, 25 Apr 2010 21:31:51 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[Escondido Homes for sale]]></category>
		<category><![CDATA[escondido short sales]]></category>
		<category><![CDATA[find a short sale agent expert]]></category>
		<category><![CDATA[pre-forclosurer specialist designation]]></category>
		<category><![CDATA[rancho bernardo short sales]]></category>
		<category><![CDATA[short sale questions and answers]]></category>
		<category><![CDATA[short sales in san diego]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1498</guid>
		<description><![CDATA[Now is not the time to gamble with your financial future... It's more important then ever to utilize a Certified Pre Foreclosure Specialists who has the intergity, training and experience to get you back on track. I specialize in pre-foreclosure and distressed properties.]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2010/04/25/need-a-pre-forclosure-specialist-were-certified-to-help-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>February Foreclosure Report</title>
		<link>http://www.hotonsandiego.com/2010/03/15/february-foreclosure-report/</link>
		<comments>http://www.hotonsandiego.com/2010/03/15/february-foreclosure-report/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 03:49:13 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1427</guid>
		<description><![CDATA[Discovery Bay, CA, March 15, 2010 - ForeclosureRadar (www.foreclosureradar.com), the only website that tracks every California foreclosure and provides daily auction updates, issued its monthly California Foreclosure Report for February 2010. After reaching the lowest level in a year last month, Notice of Defaults, the start of the foreclosure process, increased by 19.7 percent in February. The number of properties scheduled for foreclosure sale remained near record levels, yet foreclosure sales, either Back to Bank or Sold to 3rd Parties, dropped by 11.9 percent total.
“The disconnect between delinquencies, and foreclosure sales continues to widen,” says Sean O’Toole, Founder and CEO of ForeclosureRadar.com. “While efforts to slow foreclosures are clearly working, it remains unclear that anything has yet addressed the core problem of excess household mortgage debt.”]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2010/03/15/february-foreclosure-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Some Benefits From The Real Estate Bust -2009</title>
		<link>http://www.hotonsandiego.com/2009/12/28/some-benefits-from-the-real-estate-bust-2009/</link>
		<comments>http://www.hotonsandiego.com/2009/12/28/some-benefits-from-the-real-estate-bust-2009/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 18:02:17 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1229</guid>
		<description><![CDATA[It's always nice to get a different perspective on the events of the last couple of years, and one that I respect is that of my CPA, Jim Vander Spek.  Jim has written columns for the North County Times for years, and recently posted an article about some of the benefits that have come out of the current market conditions.]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/12/28/some-benefits-from-the-real-estate-bust-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VA Zero-Down Loan Limits Reduced For 2010 In San Diego County</title>
		<link>http://www.hotonsandiego.com/2009/12/23/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/</link>
		<comments>http://www.hotonsandiego.com/2009/12/23/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 16:36:52 +0000</pubDate>
		<dc:creator>kkueneke</dc:creator>
				<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[VA Loans]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1222</guid>
		<description><![CDATA[The Department of Veteran's Affairs (VA) announced that the maximum zero-down VA loan limit for 2010 is being reduced from $593,750 to $437,500 for San Diego County. Remember that VA loan amounts exceeding $417,000 are considered VA Jumbo loans.]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/12/23/va-zero-down-loan-limits-reduced-for-2010-in-san-diego-county/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>September California Foreclosure Report</title>
		<link>http://www.hotonsandiego.com/2009/11/08/september-california-foreclosure-report/</link>
		<comments>http://www.hotonsandiego.com/2009/11/08/september-california-foreclosure-report/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 00:55:39 +0000</pubDate>
		<dc:creator>sgj2020</dc:creator>
				<category><![CDATA[4S Ranch]]></category>
		<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Poway]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
		<category><![CDATA[Rancho Penasquitos]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Search Foreclosures]]></category>
		<category><![CDATA[Search San Diego Foreclosures]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[foreclosurers in rancho bernardo]]></category>
		<category><![CDATA[foreclosures in 4s ranch]]></category>
		<category><![CDATA[foreclosures in escondido]]></category>
		<category><![CDATA[foreclosures in poway]]></category>
		<category><![CDATA[foreclosures in rancho penasquitos]]></category>
		<category><![CDATA[foreclosures in san diego]]></category>
		<category><![CDATA[September 2009 Califonrnia foreclosure report]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=1154</guid>
		<description><![CDATA[ForeclosureRadar (www.foreclosureradar.com), the only website that tracks every California foreclosure and provides daily auction updates, issued its monthly California Foreclosure Report for September 2009. This month's report features not only a new look, but an important new statistic - Bank Owned (REO) Inventory. By looking at the number of foreclosures the banks have taken back and subtracting those that have since resold, we are able to show the number of foreclosures the banks have held as inventory over time.]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/11/08/september-california-foreclosure-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>September 2009 California Foreclosure Report &#8211; Watch This Video</title>
		<link>http://www.hotonsandiego.com/2009/10/16/september-2009-california-foreclosure-report-watch-this-video/</link>
		<comments>http://www.hotonsandiego.com/2009/10/16/september-2009-california-foreclosure-report-watch-this-video/#comments</comments>
		<pubDate>Sat, 17 Oct 2009 02:16:48 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[4S Ranch]]></category>
		<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Search San Diego Foreclosures]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[4s ranch foreclosures]]></category>
		<category><![CDATA[bank owned homes]]></category>
		<category><![CDATA[california foreclosure report]]></category>
		<category><![CDATA[escondido foreclosures]]></category>
		<category><![CDATA[foreclosed homes]]></category>
		<category><![CDATA[rancho bernardo foreclosures]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=952</guid>
		<description><![CDATA[California Foreclosure Report,  ]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/10/16/september-2009-california-foreclosure-report-watch-this-video/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Want To Buy A Bank Owned Home?  Watch This Video</title>
		<link>http://www.hotonsandiego.com/2009/10/15/want-to-buy-a-bank-owned-home-watch-this-video/</link>
		<comments>http://www.hotonsandiego.com/2009/10/15/want-to-buy-a-bank-owned-home-watch-this-video/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 02:53:21 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[4S Ranch]]></category>
		<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Poway]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
		<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[Search Foreclosures]]></category>
		<category><![CDATA[Search San Diego Foreclosures]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[bank owned homes in 4s ranch]]></category>
		<category><![CDATA[bank owned homes in rancho bernardo]]></category>
		<category><![CDATA[escondido foreclosures]]></category>
		<category><![CDATA[forclosures in rancho bernardo]]></category>
		<category><![CDATA[foreclosures in 4s ranch]]></category>
		<category><![CDATA[How to buy a bank owned home]]></category>
		<category><![CDATA[windermere real estate rancho bernardo]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/?p=929</guid>
		<description><![CDATA[Ok, so this is a funny exaggeration right?  Not too far off the truth right now though.  If you're interested in buying a bank owned home, call or email us.  We help people everyday navigate throughout this process.

There are obviously some great deals on homes in virtually every neighborhood in San Diego.  Our team can help!]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/10/15/want-to-buy-a-bank-owned-home-watch-this-video/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Great News! Fannie Mae To Allow Up To 10 Financed Properties Again!</title>
		<link>http://www.hotonsandiego.com/2009/02/12/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/</link>
		<comments>http://www.hotonsandiego.com/2009/02/12/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/#comments</comments>
		<pubDate>Thu, 12 Feb 2009 16:31:00 +0000</pubDate>
		<dc:creator>kkueneke</dc:creator>
				<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Carlsbad]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[Poway]]></category>
		<category><![CDATA[Rancho Bernardo]]></category>
		<category><![CDATA[San Marcos]]></category>
		<category><![CDATA[Santa Fe Valley]]></category>
		<category><![CDATA[Valley Center]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/2009/02/12/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/</guid>
		<description><![CDATA[One of the biggest hurdles many solvent investors have had these days is Fannie Mae's (FNMA) limitation on the number of one- to four-unit financed properties.  This limit dropped to four properties over the last year or so, which has hamstrung many investors looking to add to their real estate portfolio.]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/02/12/great-news-fannie-mae-to-allow-up-to-10-financed-properties-again/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Pick The Right Realtor</title>
		<link>http://www.hotonsandiego.com/2009/02/08/how-to-pick-the-right-realtor/</link>
		<comments>http://www.hotonsandiego.com/2009/02/08/how-to-pick-the-right-realtor/#comments</comments>
		<pubDate>Sun, 08 Feb 2009 18:15:08 +0000</pubDate>
		<dc:creator>Rich Johnson</dc:creator>
				<category><![CDATA[Brookside Escondido]]></category>
		<category><![CDATA[Escondido]]></category>
		<category><![CDATA[Find Your Home]]></category>
		<category><![CDATA[Foreclosures & Short Sales]]></category>
		<category><![CDATA[Real Estate News]]></category>

		<guid isPermaLink="false">http://www.hotonsandiego.com/2009/02/08/how-to-pick-the-right-realtor/</guid>
		<description><![CDATA[As a Branch Manager for Windermere Exclusive Properties it&#8217;s my job to spread the word on why our brokerage is a great place to work.  With all of the &#8220;consolidation&#8221; going on in the San Diego real estate world,  it&#8217;s been hard for me to get out because our phones are starting to ring off [...]]]></description>
		<wfw:commentRss>http://www.hotonsandiego.com/2009/02/08/how-to-pick-the-right-realtor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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