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	<title>Is your home underwater? &#187; Free Consultation for Short Sale</title>
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		<title>Taking a bath inside the real estate bubble</title>
		<link>http://shortsalemc.com/2010/11/taking-a-bath-inside-the-real-estate-bubble/</link>
		<comments>http://shortsalemc.com/2010/11/taking-a-bath-inside-the-real-estate-bubble/#comments</comments>
		<pubDate>Tue, 16 Nov 2010 05:36:01 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Bank of America]]></category>
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		<description><![CDATA[By Scott Dickensheets Monday, Nov. 15, 2010 &#124; 2 a.m. In 2004, two years before I bought my house, a website urged real estate investors thusly: “It is important that investors make their investments as soon as possible. This is because Las Vegas is growing and expanding at a scorching pace.” In 2005, one year before [...]]]></description>
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		<title>FORECLOSURES HIT A RECORD HIGH &#8211; BIG SHOCKER!!</title>
		<link>http://shortsalemc.com/2010/09/foreclosures-hit-a-record-high-big-shocker/</link>
		<comments>http://shortsalemc.com/2010/09/foreclosures-hit-a-record-high-big-shocker/#comments</comments>
		<pubDate>Thu, 16 Sep 2010 17:44:09 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Banks]]></category>
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		<description><![CDATA[Visit msnbc.com for breaking news, world news, and news about the economy]]></description>
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		<title>Carlsbad Residents in Foreclosure Caught Using a FOUR LETTER WORD!</title>
		<link>http://shortsalemc.com/2010/06/carlsbad-residents-in-foreclosure-caught-using-a-four-letter-word/</link>
		<comments>http://shortsalemc.com/2010/06/carlsbad-residents-in-foreclosure-caught-using-a-four-letter-word/#comments</comments>
		<pubDate>Sat, 26 Jun 2010 18:15:56 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=444</guid>
		<description><![CDATA[HOPE! wikipedia defines hope as: &#8220;A belief in a positive outcome related to events and circumstances in one&#8217;s life. Hope is a feeling that something desired may happen, when the outlook may or may not warrant it.&#8221; When I traded stocks I was taught that four letter words hurt you as a trader more than [...]]]></description>
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		<title>Are you in danger of losing your home to foreclosure? Why not rent?</title>
		<link>http://shortsalemc.com/2010/05/are-you-in-danger-of-losing-your-home-to-foreclosure-why-not-rent/</link>
		<comments>http://shortsalemc.com/2010/05/are-you-in-danger-of-losing-your-home-to-foreclosure-why-not-rent/#comments</comments>
		<pubDate>Thu, 20 May 2010 00:42:53 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
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		<category><![CDATA[Orange County]]></category>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=435</guid>
		<description><![CDATA[For what you pay for (or are not paying) on  small home, you could rent a mini mansionExample:   This home is in San Bernardino County the mortgage is 399,000.  With a 7 % interest rate the payment is about$ 2654.55. plus taxes and insurance $3150 per month. Its now worth about 130,000 They may [...]]]></description>
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		<title>Type of Sales that dominate the Temecula Redhawk Area &#8211; March 2010</title>
		<link>http://shortsalemc.com/2010/03/246/</link>
		<comments>http://shortsalemc.com/2010/03/246/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 17:18:10 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=246</guid>
		<description><![CDATA[What type of sales dominate the Temecula Redhawk market? See below If you need a Real Estate Team that understands the market, give us a call. Michael-Edward Cruz Broker Lic 01758933 951-572-2789 760-689-BANK (2265)]]></description>
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		<title>US banks turn to short sale strategy &#8211; Temecula, Carlsbad, San Clemente Short Sale Experts 951-572-2789</title>
		<link>http://shortsalemc.com/2010/02/us-banks-turn-to-short-sale-strategy-temecula-carlsbad-san-clemente-short-sale-experts-951-572-2789/</link>
		<comments>http://shortsalemc.com/2010/02/us-banks-turn-to-short-sale-strategy-temecula-carlsbad-san-clemente-short-sale-experts-951-572-2789/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 18:24:13 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[February 2010 Short Sale News]]></category>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=189</guid>
		<description><![CDATA[by Michael-Edward Cruz &#8211; California Real Estate Broker 951-572-2789 I found a promising article detailing how some lenders are beginning to shift their focus from foreclosure to short sales. Unfortunately I could not link to it on my blog due to copyright laws. Some Lenders are now considering short sales as a real solution. AFTER [...]]]></description>
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		</item>
		<item>
		<title>Fed up homeowner fights back!</title>
		<link>http://shortsalemc.com/2010/02/fed-up-homeowner-fights-back/</link>
		<comments>http://shortsalemc.com/2010/02/fed-up-homeowner-fights-back/#comments</comments>
		<pubDate>Sat, 13 Feb 2010 20:24:31 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Loan Modification]]></category>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=181</guid>
		<description><![CDATA[from pablos77 at msn.com forum They posted the following &#8221; I started to get a mod from Citi in March of 09. The first two slimes told me that if I was current on the payments they wouldn&#8217;t work with me. I couldn&#8217;t believe they would tell me that so after the first one I [...]]]></description>
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		<title>BANK OF AMERICA FORECLOSES ON THE WRONG HOUSE!! AGAIN!!</title>
		<link>http://shortsalemc.com/2010/02/bank-of-america-forecloses-on-the-wrong-house-again/</link>
		<comments>http://shortsalemc.com/2010/02/bank-of-america-forecloses-on-the-wrong-house-again/#comments</comments>
		<pubDate>Sat, 13 Feb 2010 17:50:50 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Alternatives to Foreclosure]]></category>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=153</guid>
		<description><![CDATA[With Banks coming out on top with the bail out money, making BILLIONS on ridiculous overdraft fees that hurt those weakest to fight back and being able to make a double profit on foreclosure by buying other banks bad debt cheaper then getting government money&#8230;&#8230; You would think that they would at least stick to [...]]]></description>
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		<title>Temecula Short Sale Experts &#8211; Community News</title>
		<link>http://shortsalemc.com/2010/02/temecula-short-sale-experts-community-news/</link>
		<comments>http://shortsalemc.com/2010/02/temecula-short-sale-experts-community-news/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 20:37:45 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[Temecula]]></category>
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		<guid isPermaLink="false">http://shortsalemc.com/?p=77</guid>
		<description><![CDATA[Parent workshop to be held in Temecula The Press-Enterprise The Temecula Valley Council PTA will sponsor a free, two-part, workshop on creating school-family-community partnerships from 10 a.m. to 1 p.m. Tuesday and Feb. 23. The workshop will include information on parent information resource centers, ways parents can get involved in schools and other topics. The [...]]]></description>
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		<item>
		<title>Short Sales to remain strong in 2010</title>
		<link>http://shortsalemc.com/2010/01/short-sales-to-remain-strong-in-2010/</link>
		<comments>http://shortsalemc.com/2010/01/short-sales-to-remain-strong-in-2010/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 22:28:46 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[January 2010 Short Sale Info]]></category>
		<category><![CDATA[Alternatives to Foreclosure]]></category>
		<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[Buy Short Sale]]></category>
		<category><![CDATA[Carlsbad Short Sale Experts]]></category>
		<category><![CDATA[Dana Point Short Sale Experts]]></category>
		<category><![CDATA[Free Consultation for Short Sale]]></category>
		<category><![CDATA[Free Foreclosure Avoidance]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
		<category><![CDATA[Laguna Niguel Short Sale Experts]]></category>
		<category><![CDATA[Michael-Edward Cruz]]></category>
		<category><![CDATA[Murrieta Short Sale Experts]]></category>
		<category><![CDATA[no equity]]></category>
		<category><![CDATA[Oceanside Short Sale Experts]]></category>
		<category><![CDATA[Redhawk Short Sale Experts]]></category>
		<category><![CDATA[San Clemente Short Sale Experts]]></category>
		<category><![CDATA[Sell my home]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Short Sale Experts]]></category>
		<category><![CDATA[Temecula Short Sale Experts]]></category>
		<category><![CDATA[Troy Huerta]]></category>

		<guid isPermaLink="false">http://shortsalemc.com/?p=73</guid>
		<description><![CDATA[Michael-Edward Cruz and Troy Huerta agree that Short Sale transactions will see an uptrend in 2010. Michael specializes in working with short sales South Orange County as well as communities in South Riverside County like Redhawk in Temecula California. Troy works with clients in North San Diego communities such as Carlsbad, Vista, Oceanside and San [...]]]></description>
		<wfw:commentRss>http://shortsalemc.com/2010/01/short-sales-to-remain-strong-in-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAFA &#8211; The new government incentive for short sales</title>
		<link>http://shortsalemc.com/2009/12/hafa-the-new-government-incentive-for-short-sales/</link>
		<comments>http://shortsalemc.com/2009/12/hafa-the-new-government-incentive-for-short-sales/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 15:54:25 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[December 2009 Short Sale News]]></category>
		<category><![CDATA[Short Sale News]]></category>
		<category><![CDATA[Alternatives to Foreclosure]]></category>
		<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[Buy Short Sale]]></category>
		<category><![CDATA[Carlsbad Short Sale Experts]]></category>
		<category><![CDATA[Dana Point Short Sale Experts]]></category>
		<category><![CDATA[Free Consultation for Short Sale]]></category>
		<category><![CDATA[Free Foreclosure Avoidance]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
		<category><![CDATA[Laguna Niguel Short Sale Experts]]></category>
		<category><![CDATA[Michael-Edward Cruz]]></category>
		<category><![CDATA[Murrieta Short Sale Experts]]></category>
		<category><![CDATA[Oceanside Short Sale Experts]]></category>
		<category><![CDATA[Redhawk Short Sale Experts]]></category>
		<category><![CDATA[San Clemente Short Sale Experts]]></category>
		<category><![CDATA[Short Sale Experts]]></category>
		<category><![CDATA[Temecula Short Sale Experts]]></category>
		<category><![CDATA[Troy Huerta]]></category>

		<guid isPermaLink="false">http://shortsalemc.com/?p=32</guid>
		<description><![CDATA[by Michael-Edward Cruz, California Real Estate Broker. Have you heard? The government is trying to motivate lenders to avoid foreclosure. According to statistics the sister program HAMP has been able to help about 9% of homeowners in trouble. Yes I said 9%, I think the average Realtor has been able to short sale about 20% without the [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Will 2010 be the year of Recovery?</title>
		<link>http://shortsalemc.com/2009/12/will-2010-be-the-year-of-recovery/</link>
		<comments>http://shortsalemc.com/2009/12/will-2010-be-the-year-of-recovery/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 15:39:11 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[December 2009 Short Sale News]]></category>
		<category><![CDATA[Short Sale News]]></category>
		<category><![CDATA[Alternatives to Foreclosure]]></category>
		<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[Buy Short Sale]]></category>
		<category><![CDATA[Carlsbad Short Sale Experts]]></category>
		<category><![CDATA[Dana Point Short Sale Experts]]></category>
		<category><![CDATA[Free Consultation for Short Sale]]></category>
		<category><![CDATA[Free Foreclosure Avoidance]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
		<category><![CDATA[Laguna Niguel Short Sale Experts]]></category>
		<category><![CDATA[Michael-Edward Cruz]]></category>
		<category><![CDATA[Murrieta Short Sale Experts]]></category>
		<category><![CDATA[Oceanside Short Sale Experts]]></category>
		<category><![CDATA[Redhawk Short Sale Experts]]></category>
		<category><![CDATA[San Clemente Short Sale Experts]]></category>
		<category><![CDATA[Short Sale Experts]]></category>
		<category><![CDATA[Temecula Short Sale Experts]]></category>
		<category><![CDATA[Troy Huerta]]></category>

		<guid isPermaLink="false">http://shortsalemc.com/?p=26</guid>
		<description><![CDATA[According to some experts 2010 is set as year of recovery, largely in part to lender participation in short sales. According the the article, &#8220;At the start of the foreclosure crisis, she says, banks accepted about one in every 10 offerings on short sales. But as the crisis worsened, the number of short sale homes closing in [...]]]></description>
		<wfw:commentRss>http://shortsalemc.com/2009/12/will-2010-be-the-year-of-recovery/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Are banks finally realizing that Short Sales are Better than Foreclosures???</title>
		<link>http://shortsalemc.com/2009/12/are-banks-finally-realizing-that-short-sales-are-better-than-foreclosures/</link>
		<comments>http://shortsalemc.com/2009/12/are-banks-finally-realizing-that-short-sales-are-better-than-foreclosures/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 16:30:49 +0000</pubDate>
		<dc:creator>Michael-Edward Cruz</dc:creator>
				<category><![CDATA[December 2009 Short Sale News]]></category>
		<category><![CDATA[Short Sale News]]></category>
		<category><![CDATA[Alternatives to Foreclosure]]></category>
		<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[Buy Short Sale]]></category>
		<category><![CDATA[Carlsbad Short Sale Experts]]></category>
		<category><![CDATA[Dana Point Short Sale Experts]]></category>
		<category><![CDATA[Free Consultation for Short Sale]]></category>
		<category><![CDATA[Free Foreclosure Avoidance]]></category>
		<category><![CDATA[Free Short Sale Help]]></category>
		<category><![CDATA[Laguna Niguel Short Sale Experts]]></category>
		<category><![CDATA[Michael-Edward Cruz]]></category>
		<category><![CDATA[Murrieta Short Sale Experts]]></category>
		<category><![CDATA[Oceanside Short Sale Experts]]></category>
		<category><![CDATA[Redhawk Short Sale Experts]]></category>
		<category><![CDATA[San Clemente Short Sale Experts]]></category>
		<category><![CDATA[Short Sale Experts]]></category>
		<category><![CDATA[Temecula Short Sale Experts]]></category>
		<category><![CDATA[Troy Huerta]]></category>

		<guid isPermaLink="false">http://shortsalemc.com/?p=4</guid>
		<description><![CDATA[We have been working for years trying to convince lenders that it was in there best interest to accept short sales. We have saved many people from the damaging affects of foreclosure on the record. If lenders do take a more proactive approach to short sales then we will be able to help more people than ever before. 

Michael-Edward Cruz
Short Sale Broker
Southern California
951-572-2789
michael@usbrinc.com]]></description>
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