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	<title>Cox Estates</title>
	<link>http://coxestates.com</link>
	<description>Realtor for San Diego and surrounding areas including Carlsbad, Encinitas, Clairemont, Del Mar, La Jolla </description>
	<lastBuildDate>Wed, 26 Oct 2011 17:46:58 +0000</lastBuildDate>
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	<item>
		<title>How does a Short Sale effect My Credit Vs a Foreclosure?</title>
		<description><![CDATA[How much impact does a short sale have on FICO® Scores? How about a foreclosure? Since I frequently hear these questions from clients and others, I thought I’d share new FICO research that sheds light on this very subject. The FICO study simulated various types of mortgage delinquencies on three representative credit bureau profiles of [...]]]></description>
		<link>http://coxestates.com/real-estate-news/how-does-a-short-sale-effect-my-credit-vs-a-foreclosure/</link>
			</item>
	<item>
		<title>67.5 Percent Increase in Bank Shadow Inventory</title>
		<description><![CDATA[67.5% Increase In Bank Shadow Inventory July 26, 2011 · Has the state of the housing market gotten better or worse since the first quarter of 2009? To answer this, you have to define what you mean by the state of the housing market. If you mean sales alone, then the state of the market [...]]]></description>
		<link>http://coxestates.com/real-estate-news/67-5-percent-increase-in-bank-shadow-inventory/</link>
			</item>
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		<title>Affodability Calculator &#8211; How Much Home Can I Afford?</title>
		<description><![CDATA[This calculator will help you understand how much home you can afford.]]></description>
		<link>http://coxestates.com/real-estate-tools/affordability-calculator-real-estate-tools/affodability-calculator-how-much-home-can-i-afford/</link>
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		<title>Case-Shiller Housing Market Not Looking Good</title>
		<description><![CDATA[I really like this report because it gives you a number of perspectives.

The reality is rarely what we see in the news, but it's always nice to see the interaction and ideas expressed by the people appearing on this show.

Case Shiller Report on CNBC.

Home prices fell all over the country except in Washington DC. where our government is growing.

San Diego home prices fell ever so slightly, still they are beginning to move down once again.

San Diego is resilient because of it’s diverse job opportunities, everyone wants to live here.
]]></description>
		<link>http://coxestates.com/real-estate-news/case-shiller-housing-market-not-looking-good/</link>
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		<title>Average $125,562 Awarded to Military Personal for Improper Foreclosure</title>
		<description><![CDATA[Two mortgage Lenders will pay more that $22 million to settle civil charges that they improperly foreclosed on 178 members of the military, some of whom were serving in Iraq or in Afghanistan.

The Justice Department said, that between 2006-2009 Bank of America and Morgan Stanley  failed to get court orders before foreclosing on military personnel in 22 states. The Justice Department awarded to these men and women an average of $125,562. 

Some of the members foreclosed on were wounded or had post-traumatic stress disorder.

Under the agreement the lenders agreed to create additional mortgage loan protections for military personnel.]]></description>
		<link>http://coxestates.com/real-estate-news/average-125562-awarded-to-military-personal-for-improper-foreclosure/</link>
			</item>
	<item>
		<title>Why the Economy and Wall Street Are Doing Well</title>
		<description><![CDATA[Wondered why they say the economy is doing so well? Whether you like Jim Cramer of CNBC or not, he hit the nail on the head in this video about what is keeping this economy afloat. I’ve been saying what he just said in this video for about a year and a half now. I’ve [...]]]></description>
		<link>http://coxestates.com/real-estate-news/why-the-economy-and-wall-street-are-doing-well/</link>
			</item>
	<item>
		<title>Can The Economy Recover Without Housing? Are we becoming a renter Nation?</title>
		<description><![CDATA[Michael Farr(President of Farr, Miller &#038; Washington plainly says “NO!”

Michael Farr blames the mortgage lending practices of Fannie &#038; Freddie and the tightening of the mortgage  requirements.

It’s not the job market.

Diana Olick says the peoples perception of owning a home is it is not a good investment. Some people are now paying higher rent than if they were to buy. Until the perception changes the market won’t change.

Also…the job market seems to be improving yet new home construction is down .8 percent. That’s not a good sign.

    Be sure to make a comment or email Keith to get your FREE copy of “Should I Short Sale My Home?”  This book has tons of information you will want to know. Get your copy and email it to a friend who may be in need of this information.

Shari Olefson author of “Foreclosure Nation” thinks the economy is improving without the housing market. She says “Housing is bumping along the bottom until we work out these foreclosures”. ]]></description>
		<link>http://coxestates.com/real-estate-news/can-the-economy-recover-without-housing-are-we-becoming-a-renter-nation/</link>
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		<title>Average 400 Days to Complete a Foreclosure-</title>
		<description><![CDATA[From an article by Diana Olick called Foreclosure Delays Plague Housing Recovery she mentions we are in a 40 month low fore Foreclosure activity..

One in 593 homeowners nation wide had a foreclosure filing in April.

The slow down is the result of processing and the enormity of the problem. There are currently 3.7 million loans that are 9]]></description>
		<link>http://coxestates.com/real-estate-news/average-400-days-to-complete-a-foreclosure/</link>
			</item>
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		<title>Housing Double Dip Confirmed&#8211;Short Sale to Put Money In Your Pocket</title>
		<description><![CDATA[Distressed and Short Sales are 34 percent of the homes on the housing market nation wide. Mostly what is keeping the housing market up a little is the influx of cash buyers. Because of the down trend resuming the banks are looking to give you more money to short sale your home rather than foreclose. [...]]]></description>
		<link>http://coxestates.com/real-estate-news/housing-double-dip-confirmedshort-sale-to-put-money-in-your-pocket/</link>
			</item>
	<item>
		<title>Get $10,000 to $35,000 Cash for Keys &#8211; If You Short Sale Your Home</title>
		<description><![CDATA[In default, losing your home to foreclosure and running low on cash? No worries! cash-for-keys……your friendly mortgage company may soon be offering you cold hard cash to move.]]></description>
		<link>http://coxestates.com/real-estate-news/get-10000-to-35000-cash-for-keys-if-you-short-sale-your-home/</link>
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