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	<title>San Jose-Santa Clara County Real Estate UNCENSORED &#187; Foreclosure-Short Sale Information</title>
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	<description>Real Estate, Mortgage &#38; Credit information - San Jose - Santa Clara County - California</description>
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		<title>Tenants In Foreclosure: Protections Under Federal Law S.896</title>
		<link>http://sccrealestateuncensored.com/2009/tenants-foreclosure-protections-federal-law-s896/</link>
		<comments>http://sccrealestateuncensored.com/2009/tenants-foreclosure-protections-federal-law-s896/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 14:50:53 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>
		<category><![CDATA[Bay Area Legal Aid]]></category>
		<category><![CDATA[Breaking the lease foreclosure]]></category>
		<category><![CDATA[California tenants in foreclosure]]></category>
		<category><![CDATA[Eviction after foreclosure]]></category>
		<category><![CDATA[Eviction before foreclosure]]></category>
		<category><![CDATA[Eviction in foreclosure]]></category>
		<category><![CDATA[Federal Law for Tenants]]></category>
		<category><![CDATA[Federal Law S896]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Foreclosure and tenants]]></category>
		<category><![CDATA[Foreclosure breaks the lease]]></category>
		<category><![CDATA[Helping Families Save Their Homes Act]]></category>
		<category><![CDATA[Landlord after foreclosure]]></category>
		<category><![CDATA[Lease after foreclosure]]></category>
		<category><![CDATA[Pay rent after foreclosure]]></category>
		<category><![CDATA[Pay rent before foreclosure]]></category>
		<category><![CDATA[Pay rent in foreclosure]]></category>
		<category><![CDATA[San Jose tenants in foreclosure]]></category>
		<category><![CDATA[Santa Clara tenants in foreclosure]]></category>
		<category><![CDATA[tenants]]></category>
		<category><![CDATA[Tenants facing foreclosure]]></category>
		<category><![CDATA[tenants in foreclosed homes]]></category>
		<category><![CDATA[tenants in foreclosed properties]]></category>
		<category><![CDATA[Tenants in foreclosure]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=1346</guid>
		<description><![CDATA[Homeowners as well as tenants are having a hard time understanding what they should do and what their rights are when facing foreclosure.
Depending on state laws and city ordinances, tenants generally could be evicted for failure to pay the rent or for breaching the lease contract conditions. Nevertheless, tenants were given 60 day to vacate [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2009/tenants-foreclosure-protections-federal-law-s896/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Obama&#8217;s Making Home Affordable REFINANCE plan</title>
		<link>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-refinance/</link>
		<comments>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-refinance/#comments</comments>
		<pubDate>Wed, 11 Mar 2009 05:55:48 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Eligibility for government refinance]]></category>
		<category><![CDATA[Eligibility for refinance]]></category>
		<category><![CDATA[FinancialStability.gov]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Government refinance my home]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[Help for Homeowners]]></category>
		<category><![CDATA[Help for Homeowners California]]></category>
		<category><![CDATA[HUD.gov]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Making Home Affordable program]]></category>
		<category><![CDATA[Making Home Affordable Refinance]]></category>
		<category><![CDATA[Making Home Affordable Refinance plan]]></category>
		<category><![CDATA[Making Home Affordable Refinance program]]></category>
		<category><![CDATA[Making Home Refinance plan]]></category>
		<category><![CDATA[MakingHomeAffordable.gov]]></category>
		<category><![CDATA[Obama refinancing your home]]></category>
		<category><![CDATA[Refinance from Obama’s plan]]></category>
		<category><![CDATA[Refinance from the Government]]></category>
		<category><![CDATA[Refinance incentives from Obama’s plan]]></category>
		<category><![CDATA[Refinance incentives from the Government]]></category>
		<category><![CDATA[Refinance under Obama’s plan]]></category>
		<category><![CDATA[Requirements for government refinance]]></category>
		<category><![CDATA[Requirements for refinance]]></category>
		<category><![CDATA[Treasury Department guidelines for refinance]]></category>
		<category><![CDATA[Understanding Home Affordability and Stability Plan]]></category>
		<category><![CDATA[Understanding Making Home Affordable Refinance program]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=1281</guid>
		<description><![CDATA[Last week the US Treasury Department released some of the guidelines for the “Homeowner Affordability and Stability plan;” however, the details for refinances and modifications created some confusion even among the professionals in the real estate industry.
[Update April 28, 2009: Home Affordable Refinance Program (HARP) is extended to June 30, 2011]
Much of the confusion came [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Obama&#8217;s Making Home Affordable MODIFICATION plan</title>
		<link>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-modification/</link>
		<comments>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-modification/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 06:39:16 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[Delay foreclosure from Obama's plan]]></category>
		<category><![CDATA[Delay Foreclosure from the Government]]></category>
		<category><![CDATA[Eligibility for government loan modification]]></category>
		<category><![CDATA[Eligibility for loan modification]]></category>
		<category><![CDATA[FinancialStability.gov]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Form 4506-T]]></category>
		<category><![CDATA[Government guidelines modification]]></category>
		<category><![CDATA[Government saving your home]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[Help for Homeowners]]></category>
		<category><![CDATA[Help for Homeowners California]]></category>
		<category><![CDATA[HUD.gov]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[Loan Modification from the government]]></category>
		<category><![CDATA[loan modification in Alabama]]></category>
		<category><![CDATA[loan modification in Alameda]]></category>
		<category><![CDATA[loan modification in Alaska]]></category>
		<category><![CDATA[loan modification in Arizona]]></category>
		<category><![CDATA[loan modification in Arkansas]]></category>
		<category><![CDATA[loan modification in Bakersfield]]></category>
		<category><![CDATA[loan modification in California]]></category>
		<category><![CDATA[loan modification in Colorado]]></category>
		<category><![CDATA[loan modification in Connecticut]]></category>
		<category><![CDATA[loan modification in Contra Costa]]></category>
		<category><![CDATA[loan modification in Delaware]]></category>
		<category><![CDATA[loan modification in Florida]]></category>
		<category><![CDATA[loan modification in Fresno]]></category>
		<category><![CDATA[loan modification in Georgia]]></category>
		<category><![CDATA[loan modification in Idaho]]></category>
		<category><![CDATA[loan modification in Illinois]]></category>
		<category><![CDATA[loan modification in Indiana]]></category>
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		<category><![CDATA[loan modification in Kentucky]]></category>
		<category><![CDATA[loan modification in Los Angeles]]></category>
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		<category><![CDATA[loan modification in Maine]]></category>
		<category><![CDATA[loan modification in Maryland]]></category>
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		<category><![CDATA[loan modification in Miami]]></category>
		<category><![CDATA[loan modification in Michigan]]></category>
		<category><![CDATA[Loan modification in Milpitas]]></category>
		<category><![CDATA[loan modification in Minnesota]]></category>
		<category><![CDATA[loan modification in Mississippi]]></category>
		<category><![CDATA[loan modification in Missouri]]></category>
		<category><![CDATA[loan modification in Montana]]></category>
		<category><![CDATA[loan modification in Nebraska]]></category>
		<category><![CDATA[loan modification in Nevada]]></category>
		<category><![CDATA[loan modification in New Hampshire]]></category>
		<category><![CDATA[loan modification in New Jersey]]></category>
		<category><![CDATA[loan modification in New Mexico]]></category>
		<category><![CDATA[loan modification in New York]]></category>
		<category><![CDATA[loan modification in North Carolina]]></category>
		<category><![CDATA[loan modification in North Dakota]]></category>
		<category><![CDATA[loan modification in Ohio]]></category>
		<category><![CDATA[loan modification in Oklahoma]]></category>
		<category><![CDATA[loan modification in Orange County]]></category>
		<category><![CDATA[loan modification in Oregon]]></category>
		<category><![CDATA[loan modification in Pennsylvania]]></category>
		<category><![CDATA[loan modification in Rhode Island]]></category>
		<category><![CDATA[loan modification in Riverside]]></category>
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		<category><![CDATA[Loan modification in Santa Clara]]></category>
		<category><![CDATA[loan modification in Solano County]]></category>
		<category><![CDATA[loan modification in South Carolina]]></category>
		<category><![CDATA[loan modification in South Dakota]]></category>
		<category><![CDATA[loan modification in Stockton]]></category>
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		<category><![CDATA[loan modification in Tennessee]]></category>
		<category><![CDATA[loan modification in Texas]]></category>
		<category><![CDATA[loan modification in Tulare]]></category>
		<category><![CDATA[loan modification in Utah]]></category>
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		<category><![CDATA[loan modification in Virginia]]></category>
		<category><![CDATA[loan modification in Washington]]></category>
		<category><![CDATA[loan modification in West Virginia]]></category>
		<category><![CDATA[loan modification in Wisconsin]]></category>
		<category><![CDATA[loan modification in Wyoming]]></category>
		<category><![CDATA[Loan modification incentives from Obama's plan]]></category>
		<category><![CDATA[Loan modification incentives from the Government]]></category>
		<category><![CDATA[Loan modification principal reduction]]></category>
		<category><![CDATA[Loan modification rate reduction]]></category>
		<category><![CDATA[Loan Modification under Obama's plan]]></category>
		<category><![CDATA[loan modification with HUD]]></category>
		<category><![CDATA[loan modification with non-profit organizations]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Making Home Affordable Modification]]></category>
		<category><![CDATA[Making Home Affordable Modification plan]]></category>
		<category><![CDATA[Making Home Affordable Modification program]]></category>
		<category><![CDATA[Making Home Affordable plan]]></category>
		<category><![CDATA[Making Home Affordable program]]></category>
		<category><![CDATA[MakingHomeAffordable.gov]]></category>
		<category><![CDATA[Obama plan guidelines modification]]></category>
		<category><![CDATA[obama saving your home]]></category>
		<category><![CDATA[Requirements for government loan modification]]></category>
		<category><![CDATA[Requirements for loan modification]]></category>
		<category><![CDATA[Treasury Department guidelines modification]]></category>
		<category><![CDATA[Understanding Home Affordability and Stability Plan]]></category>
		<category><![CDATA[Understanding Making Home Affordable Modification program]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=1255</guid>
		<description><![CDATA[Yesterday, the Treasury Department released some of the detailed guidelines for the &#8220;Homeowner Affordability and Stability Plan.&#8221; The plan includes $75 billion in incentives for lenders to modify the loans of struggling homeowners which will run through December 31, 2012. These incentives are under the &#8220;Making Home Affordable Modification&#8221; program.
[Update April 28, 2009: The inclusion [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-modification/feed/</wfw:commentRss>
		<slash:comments>34</slash:comments>
		</item>
		<item>
		<title>SB 1055 California State Tax Relief Applied To Forgiven Mortgage Debt</title>
		<link>http://sccrealestateuncensored.com/2008/sb-1055-california-state-tax-mortgage-debt-forgiven/</link>
		<comments>http://sccrealestateuncensored.com/2008/sb-1055-california-state-tax-mortgage-debt-forgiven/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 19:45:27 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[arnold schwarzenegger]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[california state tax law]]></category>
		<category><![CDATA[california state tax liability]]></category>
		<category><![CDATA[california tax liability]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[forgiven mortgage debt]]></category>
		<category><![CDATA[hr 3648]]></category>
		<category><![CDATA[mortgage forgiveness debt relief act]]></category>
		<category><![CDATA[sb 1055]]></category>
		<category><![CDATA[senate bill 1055]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[state tax liability]]></category>
		<category><![CDATA[tax liability]]></category>
		<category><![CDATA[tax ramifications california]]></category>
		<category><![CDATA[tax relief]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=474</guid>
		<description><![CDATA[The big news on everybody’s radar lately was the $700 billion “Rescue Plan,” which was vetoed by the House of Representatives yesterday and sent back to be re-drafted. Many on “Main Street” oppose to the bail out of Wall Street with tax payer’s money, while others see the “bail out” as a necessary evil that [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/sb-1055-california-state-tax-mortgage-debt-forgiven/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>H.R. 3221 Housing and Economic Recovery Act of 2008 Passes New Permanent Loan Limits</title>
		<link>http://sccrealestateuncensored.com/2008/hr3221-housing-economic-recovery-act/</link>
		<comments>http://sccrealestateuncensored.com/2008/hr3221-housing-economic-recovery-act/#comments</comments>
		<pubDate>Thu, 31 Jul 2008 05:02:41 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Mortgage - Loan Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>
		<category><![CDATA[Fannie Mae loan limit]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[fha loan limit]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie Mac loan limit]]></category>
		<category><![CDATA[housing and economic recovery act]]></category>
		<category><![CDATA[hr 3221]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=132</guid>
		<description><![CDATA[The House passed the massive housing bill last Wednesday, the senate voted Saturday to send it to the president and today President Bush signed the “Housing and Economic Recovery Act of 2008 HR 3221.”
HR 3221 is intended to aid in stabilizing our economy, support first-time homeowners and provide mortgage relief for an estimated 400,000 struggling [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/hr3221-housing-economic-recovery-act/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is Wrong with Buying One Today and Losing One Tomorrow?</title>
		<link>http://sccrealestateuncensored.com/2008/buy-one-today-and-lose-one-tomorrow/</link>
		<comments>http://sccrealestateuncensored.com/2008/buy-one-today-and-lose-one-tomorrow/#comments</comments>
		<pubDate>Thu, 17 Jul 2008 20:48:57 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Real Estate & Mortgage FRAUD]]></category>
		<category><![CDATA[buy and bail]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[linda caoili]]></category>
		<category><![CDATA[real estate fraud]]></category>
		<category><![CDATA[steve hawks]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=129</guid>
		<description><![CDATA[Illustration by: Matt Mahurin
Some of the distressed emails I get from homeowners facing foreclosure ask me what I think about buying a home before losing their current one. To answer that question I will give you my personal opinion at the end of this post.
First let’s look at the case of Michelle Augustine from Sacramento, [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/buy-one-today-and-lose-one-tomorrow/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New California Law Will Only Delay Foreclosure &#8211; S.B. 1137</title>
		<link>http://sccrealestateuncensored.com/2008/new-california-foreclosure-law-sb-1137/</link>
		<comments>http://sccrealestateuncensored.com/2008/new-california-foreclosure-law-sb-1137/#comments</comments>
		<pubDate>Thu, 10 Jul 2008 03:54:02 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[california foreclosure law]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure law]]></category>
		<category><![CDATA[new california foreclosure law]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=125</guid>
		<description><![CDATA[Photo courtesy of the California Governor&#8217;s office
Tuesday, in another effort to protect homeowners facing foreclosure, California Gov. Arnold Schwarzenegger signed bill S.B. 1137 into law. This law would only delay the foreclosure process in hopes that lenders will talk with homeowners before taking a final decision to foreclose on the property.
This new law has certain [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/new-california-foreclosure-law-sb-1137/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Project Lifeline Aims to Help SOME Homeowners Facing Foreclosure</title>
		<link>http://sccrealestateuncensored.com/2008/project-lifeline/</link>
		<comments>http://sccrealestateuncensored.com/2008/project-lifeline/#comments</comments>
		<pubDate>Fri, 15 Feb 2008 01:05:18 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Citigroup]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Foreclosure Project Lifeline]]></category>
		<category><![CDATA[Project Lifeline]]></category>
		<category><![CDATA[san jose]]></category>
		<category><![CDATA[santa clara county]]></category>
		<category><![CDATA[washington mutual]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2008/project-lifeline/</guid>
		<description><![CDATA[Yet another plan hoping to aid homeowners was unveiled this past Tuesday.
However, don’t think for a moment that this plan, introduced by the Bush administration and six of the largest mortgage lenders, will help every homeowner facing foreclosure. No…It won’t, but with the combination of this plan, the “Mortgage Rate Freeze,” the Economic Stimulus Package [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/project-lifeline/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Federal Tax Relief for Short Sales &amp; Foreclosures signed by the President (H.R. 3648)</title>
		<link>http://sccrealestateuncensored.com/2007/mortgage-forgiveness-debt-relief-act-2007/</link>
		<comments>http://sccrealestateuncensored.com/2007/mortgage-forgiveness-debt-relief-act-2007/#comments</comments>
		<pubDate>Sat, 22 Dec 2007 01:23:02 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[1099 Foreclosure]]></category>
		<category><![CDATA[1099 Short Sale]]></category>
		<category><![CDATA[Emergency Economic Stabilization Act 2008 HR 1424]]></category>
		<category><![CDATA[Federal Tax Relief for foreclosures extended HR 1424]]></category>
		<category><![CDATA[Federal Tax Relief for loan modifications extended HR 1424]]></category>
		<category><![CDATA[Federal Tax Relief for short sales extended HR 1424]]></category>
		<category><![CDATA[federal taxable foreclosure consequences]]></category>
		<category><![CDATA[federal taxable short sale consequences]]></category>
		<category><![CDATA[federal taxes in foreclosure]]></category>
		<category><![CDATA[federal taxes in short sale]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure consequences]]></category>
		<category><![CDATA[H.R. 1424]]></category>
		<category><![CDATA[IRS 1099c]]></category>
		<category><![CDATA[Mortgage Forgiveness Debt Relief Act HR 3648]]></category>
		<category><![CDATA[Pay Taxes in a Short Sale]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale consequences]]></category>
		<category><![CDATA[short sale federal taxes]]></category>
		<category><![CDATA[short sale taxes]]></category>
		<category><![CDATA[taxable foreclosure consequences]]></category>
		<category><![CDATA[taxable short sale consequences]]></category>
		<category><![CDATA[taxes in a foreclosure]]></category>
		<category><![CDATA[taxes in short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/mortgage-forgiveness-debt-relief-act-2007/</guid>
		<description><![CDATA[After reading my post “Taxing Short Sales and Foreclosures,” few homeowners in San Jose selling their homes as short sales viewed that as a sight of relief because most had either refinanced their homes or purchased their homes with no money down.
At the time I published that post, there were bills that had been introduced [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Mortgage Rate Freeze Looks to Aid SOME Struggling Homeowners</title>
		<link>http://sccrealestateuncensored.com/2007/mortgage-rate-freeze/</link>
		<comments>http://sccrealestateuncensored.com/2007/mortgage-rate-freeze/#comments</comments>
		<pubDate>Fri, 07 Dec 2007 05:30:50 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Mortgage - Loan Information]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[freeze mortgage rate]]></category>
		<category><![CDATA[gmac]]></category>
		<category><![CDATA[HomeEq]]></category>
		<category><![CDATA[HomeOwnership Preservation Foundation]]></category>
		<category><![CDATA[Hope Now]]></category>
		<category><![CDATA[Litton]]></category>
		<category><![CDATA[mortgage rate freeze]]></category>
		<category><![CDATA[Stanley Tseng]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/mortgage-rate-freeze/</guid>
		<description><![CDATA[Gov. Arnold Schwarzenegger announced on Tuesday November 20, 2007 a deal with four major subprime lenders Countrywide, GMAC, Litton and HomeEq. A deal that would freeze adjustable interest rates for California homeowners struggling with ARMs resetting to higher mortgage payments.
And today the Bush administration announced a similar (if not the same) dubbed &#8220;Hope Now&#8221; agreement [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/mortgage-rate-freeze/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Taxing Short Sales and Foreclosures</title>
		<link>http://sccrealestateuncensored.com/2007/taxes-shortsales-foreclosure/</link>
		<comments>http://sccrealestateuncensored.com/2007/taxes-shortsales-foreclosure/#comments</comments>
		<pubDate>Thu, 01 Nov 2007 19:45:47 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[1099 Foreclosure]]></category>
		<category><![CDATA[1099 Short Sale]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt relief income]]></category>
		<category><![CDATA[federal income tax foreclosure]]></category>
		<category><![CDATA[federal income tax short sale]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure consequences]]></category>
		<category><![CDATA[IRS 1099c]]></category>
		<category><![CDATA[Mortgage Forgiveness Debt Relief Act HR 3648]]></category>
		<category><![CDATA[non recourse loan]]></category>
		<category><![CDATA[Pay Taxes in a Short Sale]]></category>
		<category><![CDATA[recourse loan]]></category>
		<category><![CDATA[short sale consequences]]></category>
		<category><![CDATA[short sale taxes]]></category>
		<category><![CDATA[taxable foreclosure consequences]]></category>
		<category><![CDATA[taxable short sale consequences]]></category>
		<category><![CDATA[taxes in a foreclosure]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/taxes-shortsales-foreclosure/</guid>
		<description><![CDATA[It is surprising to many that one can loose a home by selling it as a short sale or letting the bank foreclose on it and still be liable for payment of income tax on the amount the lender lost during the transaction (Read the: &#8220;Homeowner&#8217;s Guide: Short Sales and Preventing Foreclosure&#8220;)
Two types of income [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/taxes-shortsales-foreclosure/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Homeowner’s guide: Short Sales and preventing Foreclosure Pt1 (the reality of a foreclosure)</title>
		<link>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt1/</link>
		<comments>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt1/#comments</comments>
		<pubDate>Mon, 17 Sep 2007 17:20:15 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Real Estate & Mortgage FRAUD]]></category>
		<category><![CDATA[foreclosure]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/shortsale-foreclosure-pt1/</guid>
		<description><![CDATA[The dream
It’s the year 2005, for others 2006, and for others 2007, and you are happy because you finally realized the American dream of owning a home.
You finally have a home where can build a future for yourself and your family. According to your agent and your mortgage broker, they promised you could refinance in [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt1/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Homeowner’s guide: Short Sales and preventing Foreclosure Pt2 (Alternatives to selling)</title>
		<link>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt2/</link>
		<comments>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt2/#comments</comments>
		<pubDate>Mon, 17 Sep 2007 17:15:23 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[alternatives to foreclosure]]></category>
		<category><![CDATA[Forbearance agreement]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage relief]]></category>
		<category><![CDATA[partial claim]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/shortsale-foreclosure-pt2/</guid>
		<description><![CDATA[The solutions
If you are in similar situations as mentioned on my previous post, there are some steps that you should take before refinancing. The first thing you should do is (*if you have enough time*) repair your credit (beware of credit repair companies). Next, calculate if you have built enough equity to benefit from the refinance. [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt2/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>A Homeowner’s guide: Short Sales and preventing Foreclosure Pt3 (Selling your home)</title>
		<link>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt3/</link>
		<comments>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt3/#comments</comments>
		<pubDate>Mon, 17 Sep 2007 17:08:46 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[Deed in lieu]]></category>
		<category><![CDATA[Deed in lieu of foreclosure]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[how a short sale works]]></category>
		<category><![CDATA[how to sale a house as a short sale]]></category>
		<category><![CDATA[how to short sale]]></category>
		<category><![CDATA[selling your house as a short sale]]></category>
		<category><![CDATA[shor sale]]></category>
		<category><![CDATA[what is short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/shortsale-foreclosure-pt3/</guid>
		<description><![CDATA[Other solutions
If none of the solutions listed on the article above helped you solve your problem you still have other options.
Beware, however, that the following solutions have credit, legal and tax ramifications. The credit ramifications I can explain them to you in detail on a one on one meeting. If you would like to know [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt3/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>A Homeowner’s guide: Short Sales and preventing Foreclosure Pt4 (The ramifications)</title>
		<link>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt4/</link>
		<comments>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt4/#comments</comments>
		<pubDate>Mon, 17 Sep 2007 16:59:50 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure consequences]]></category>
		<category><![CDATA[foreclosure legal consequenses]]></category>
		<category><![CDATA[foreclosure tax consequencens]]></category>
		<category><![CDATA[foreclosure taxable consequences]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale consequences]]></category>
		<category><![CDATA[short sale legal consequences]]></category>
		<category><![CDATA[short sale tax consequences]]></category>
		<category><![CDATA[short sale taxable consequences]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/shortsale-foreclosure-pt4/</guid>
		<description><![CDATA[Now that you now all the options available when facing a foreclosure or a short sale or the possibility of not qualifying for a refinance; I will tell you what ramifications or consequences could be expected when doing a short sale, deed-in-lieu of foreclosure or a foreclosure.
*Again, I need to disclose that to cover the [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/shortsale-foreclosure-pt4/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Foreclosure scams grow rampant in todays Real Estate market</title>
		<link>http://sccrealestateuncensored.com/2007/foreclosure-scam/</link>
		<comments>http://sccrealestateuncensored.com/2007/foreclosure-scam/#comments</comments>
		<pubDate>Thu, 23 Aug 2007 04:30:02 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure experts]]></category>
		<category><![CDATA[foreclosure fraud]]></category>
		<category><![CDATA[foreclosure scams]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/foreclosure-scam/</guid>
		<description><![CDATA[Today’s real estate market has brought an abundance of inventory, many of which are being sold as short sales, sold at foreclosure auctions or sold as REO properties. However, this market has also brought to our doorsteps scam artists hoping to prey on the misinformed public.
Many homeowners facing foreclosure or a short sale are constantly receiving [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/foreclosure-scam/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Avoiding FORECLOSURE!!</title>
		<link>http://sccrealestateuncensored.com/2006/avoiding-foreclosure/</link>
		<comments>http://sccrealestateuncensored.com/2006/avoiding-foreclosure/#comments</comments>
		<pubDate>Thu, 18 May 2006 19:30:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Foreclosure-Short Sale Information]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[how to avoid foreclosure]]></category>
		<category><![CDATA[prevent foreclosure]]></category>
		<category><![CDATA[preventing foreclosure]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=55</guid>
		<description><![CDATA[Research released by Realty track shows that there are 70% more foreclosures since last year.
Generally it takes a few months before this happens but there are events that happen that lead up to this ugly ending.
If you are a homeowner that has been late a few times with your mortgage, don’t worry; you will not [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2006/avoiding-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
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