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	<title>Hogan Blog</title>
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	<link>http://hoganschool.com/blog</link>
	<description>The Southern Arizona Real Estate School</description>
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		<title>Bank of America Short Sale Changes</title>
		<link>http://hoganschool.com/blog/?p=694</link>
		<comments>http://hoganschool.com/blog/?p=694#comments</comments>
		<pubDate>Mon, 02 Apr 2012 22:08:59 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[Short Sales & REOs]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=694</guid>
		<description><![CDATA[BofA has announced changes in their short sale process. If you have a short sale in progress you must make sure that certain documents be uploaded to their Equator® platform by midnight April 13, 2012. If you have not uploaded these docs you may need to upload all docs again or the file may be [...]]]></description>
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		<title>Real Estate Professionals Invited to Treasury-Co-Hosted “Help for Homeowners” Short Sale Event</title>
		<link>http://hoganschool.com/blog/?p=675</link>
		<comments>http://hoganschool.com/blog/?p=675#comments</comments>
		<pubDate>Wed, 05 Oct 2011 22:06:29 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=675</guid>
		<description><![CDATA[ 
FOR REAL ESTATE PROFESSIONALS 
Helping your Clients avoid Foreclosures with a Short Sale
Wednesday, October 12th, 2011.   10AM-1PM
Real estate professionals are invited to participate in a repeating 60-minute information session all about short sales. Participants will hear from Treasury officials, servicer representatives, Freddie Mac, Fannie Mae, and Arizona’s housing finance agency about the various liquidation options [...]]]></description>
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		</item>
		<item>
		<title>RPR Partners with NAR’s New BPOR Certification Program</title>
		<link>http://hoganschool.com/blog/?p=672</link>
		<comments>http://hoganschool.com/blog/?p=672#comments</comments>
		<pubDate>Mon, 26 Sep 2011 17:10:30 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=672</guid>
		<description><![CDATA[One of the many advantages of being part of the NAR family is the opportunity to work with other NAR departments to create member benefits for REALTORS®.  Earlier this year, RPR began discussing the potential of leveraging RPR’s relationships in the lending industry to add value to a new BPOR Resource Certification program being designed [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How do Foreclosures and Short Sales affect FICO scores?</title>
		<link>http://hoganschool.com/blog/?p=642</link>
		<comments>http://hoganschool.com/blog/?p=642#comments</comments>
		<pubDate>Mon, 11 Apr 2011 21:54:56 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Short Sales & REOs]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=642</guid>
		<description><![CDATA[According to National Mortgage e-Alert, Short Sales, Foreclosures or Deed in lieu, does not make any difference.  FICO treats them the same way for purposes of reducing the credit score.   However, the higher your starting score, the more dramatic the effect.  If the initial credit score is about 780, the drop would be 90 – [...]]]></description>
		<wfw:commentRss>http://hoganschool.com/blog/?feed=rss2&amp;p=642</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>BofA Announces Changes to Short Sales</title>
		<link>http://hoganschool.com/blog/?p=631</link>
		<comments>http://hoganschool.com/blog/?p=631#comments</comments>
		<pubDate>Thu, 10 Mar 2011 22:51:18 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[HAFA]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=631</guid>
		<description><![CDATA[As Bank of America continues to enhance the short sale process, real estate agents will notice changes when initiating a transaction in Equator, beginning March 11.
What Is Changing: 
New fields will be required when initiating short sales in Equator. Agents should be prepared to provide the following information regarding the loan and the homeowner&#8217;s situation:

Loan [...]]]></description>
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		<title>Short Sales to ramp up with HAFA changes</title>
		<link>http://hoganschool.com/blog/?p=627</link>
		<comments>http://hoganschool.com/blog/?p=627#comments</comments>
		<pubDate>Thu, 24 Feb 2011 23:26:45 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[HAFA]]></category>
		<category><![CDATA[Short Sales & REOs]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=627</guid>
		<description><![CDATA[Be sure to read this article from housingwire.com.  
Servicers are moving toward a proactive approach in pursuing short sales as an alternative to foreclosure, servicers on a Mortgage Bankers Association panel said Wednesday.
A component and specialty servicer, meanwhile, predicted that short sales could increase 50% industrywide this year. Buffalo, N.Y.-based AMS Servicing told HousingWire that the projected increase is due [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short Sale Negotiator Regulation</title>
		<link>http://hoganschool.com/blog/?p=620</link>
		<comments>http://hoganschool.com/blog/?p=620#comments</comments>
		<pubDate>Fri, 04 Feb 2011 21:13:58 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[ADRE]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Short Sales & REOs]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=620</guid>
		<description><![CDATA[By Arizona Department of Real Estate and Arizona Association of REALTORS.
Numerous regulations have recently been enacted governing short sale negotiations.  In short, these regulations generally provide that a licensed real estate broker/salesperson representing a seller in a real estate transaction may negotiate a short sale with the lender provided that the broker/salesperson does not charge [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Treasury Announces Big HAFA Changes</title>
		<link>http://hoganschool.com/blog/?p=609</link>
		<comments>http://hoganschool.com/blog/?p=609#comments</comments>
		<pubDate>Mon, 03 Jan 2011 15:24:01 +0000</pubDate>
		<dc:creator>Jim Hogan</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[HAFA]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=609</guid>
		<description><![CDATA[On December 28th the US Treasury issued Supplemental Directive 10-18 which announced major changes/improvements in their HAFA Short Sale and Deed-in-Lieu programs. The changes become effective on Feb. 1, 2011 and include:
Deletion of the requirement that a borrower’s payment exceed 31% of their gross income;
Increasing the allowable vacancy period from 90 days to 12 months [...]]]></description>
		<wfw:commentRss>http://hoganschool.com/blog/?feed=rss2&amp;p=609</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The AZ &#8216;Short Sale Seller Advisory&#8221;</title>
		<link>http://hoganschool.com/blog/?p=601</link>
		<comments>http://hoganschool.com/blog/?p=601#comments</comments>
		<pubDate>Wed, 15 Dec 2010 16:43:16 +0000</pubDate>
		<dc:creator>Jenny Hogan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=601</guid>
		<description><![CDATA[The Arizona &#8220;Short Sale Seller Advisory&#8221; now has detailed information and links on HAFA Short Sales. As one of the important options for distressed homeowners, HAFA (the Home Affordable Foreclosure Alternatives program), must be discussed with sellers. It can provide a more dignified exit for sellers faced with a short sale. click here to read [...]]]></description>
		<wfw:commentRss>http://hoganschool.com/blog/?feed=rss2&amp;p=601</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Right Tools Right Now</title>
		<link>http://hoganschool.com/blog/?p=595</link>
		<comments>http://hoganschool.com/blog/?p=595#comments</comments>
		<pubDate>Mon, 29 Nov 2010 20:34:31 +0000</pubDate>
		<dc:creator>Esther Hogan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hoganschool.com/blog/?p=595</guid>
		<description><![CDATA[Right Tools, Right Now initiative has been extended only through 2010.  NAR members can continue to take advantage of hundreds of NAR products and resources that can help their business now for FREE or AT-COST until the end of this year.  There are over 300 products that are available for cost, minimal cost or FREE.   [...]]]></description>
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