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	<title>Focus On Frederick.com &#187; Foreclosure</title>
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	<link>http://focusonfrederick.com</link>
	<description>Musings and information about Real Estate in the Frederick County Area</description>
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		<title>Frederick County Homebuyer Assistance on the way</title>
		<link>http://focusonfrederick.com/2009/03/24/frederick-county-homebuyer-assistance-on-the-way/</link>
		<comments>http://focusonfrederick.com/2009/03/24/frederick-county-homebuyer-assistance-on-the-way/#comments</comments>
		<pubDate>Tue, 24 Mar 2009 16:49:44 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Topics]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2009/03/24/frederick-county-homebuyer-assistance-on-the-way/</guid>
		<description><![CDATA[Homebuyer Assistance is on its way for Frederick County. The Neighborhood Conservation Initiative receive only half of what the originally applied for, but half is way better than nothing at all. Here are some of the details emailed to me by the County. Give me a call if you are ready to see what you [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Government release new website Making Home Affordable</title>
		<link>http://focusonfrederick.com/2009/03/19/government-making-home-affordable/</link>
		<comments>http://focusonfrederick.com/2009/03/19/government-making-home-affordable/#comments</comments>
		<pubDate>Thu, 19 Mar 2009 11:35:47 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Topics]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=793</guid>
		<description><![CDATA[If you are looking to modify your loan or refinance your mortgage, the government created a new tool to help you.  The problem with some home owners is that they make the payments months in and month out, but it keeps getting harder as the economy continues to strain every dollar they have.  The Making [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2009/03/19/government-making-home-affordable/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Bailout help on the way</title>
		<link>http://focusonfrederick.com/2008/11/12/bailout-help-on-the-way/</link>
		<comments>http://focusonfrederick.com/2008/11/12/bailout-help-on-the-way/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 12:49:47 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=619</guid>
		<description><![CDATA[Many homeowners are under water and it is encouraging to see progress being made on the Bailout plan.  AIG is really pissing upsetting people off with their latest antics.  I just don&#8217;t get how CEOs justify this while the business is under water.  How do you plan these parties?  &#8220;John, THE check came in&#8230;Great, off [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2008/11/12/bailout-help-on-the-way/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>People are not the only ones displaced by foreclosures</title>
		<link>http://focusonfrederick.com/2008/05/28/people-are-not-the-only-ones-displace-by-foreclosures/</link>
		<comments>http://focusonfrederick.com/2008/05/28/people-are-not-the-only-ones-displace-by-foreclosures/#comments</comments>
		<pubDate>Wed, 28 May 2008 21:26:26 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Businesses]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[animals]]></category>
		<category><![CDATA[Frederick]]></category>
		<category><![CDATA[pets]]></category>
		<category><![CDATA[rescue]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=452</guid>
		<description><![CDATA[I took a trip to the Animal Control building the other day after someone told me about the increase in the amount of animals there. Not only have families had to give up their homes, but also their pets. Not all rentals allow pets and even in financial trouble, people do the right thing and [...]]]></description>
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		<slash:comments>28</slash:comments>
		</item>
		<item>
		<title>&#8220;Suffering in Silence&#8221; &#8211; Foreclosure outreach</title>
		<link>http://focusonfrederick.com/2008/05/06/suffering-in-silence-foreclosure-outreach/</link>
		<comments>http://focusonfrederick.com/2008/05/06/suffering-in-silence-foreclosure-outreach/#comments</comments>
		<pubDate>Tue, 06 May 2008 12:40:13 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Frederick Misc]]></category>
		<category><![CDATA[Local Events]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Maryland dllr]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=436</guid>
		<description><![CDATA[I attended the Frederick Foreclosure Forum last night. The turn out was not as expected. There were only a small handful of consumers looking for answers and guidance. The other 85% were local professionals, city and county personal looking for more resource to help those in need. I kind of expected a low turn out [...]]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Monday Foreclosure watch &#8211; The city has a plan- I think</title>
		<link>http://focusonfrederick.com/2008/05/04/monday-foreclosure-watch-the-city-has-a-plan-i-think/</link>
		<comments>http://focusonfrederick.com/2008/05/04/monday-foreclosure-watch-the-city-has-a-plan-i-think/#comments</comments>
		<pubDate>Sun, 04 May 2008 17:50:57 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Local Events]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[shortsale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=433</guid>
		<description><![CDATA[They released a press release about tonight&#8217;s Community Foreclosure Forum. I am going to see what they have in store to help befuddled home owners. I really want to know if they have anything place to address the carpet baggers that have moved in to take advantage of the desperate homeowners. The event starts at [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Carpet Baggers feeding off those facing foreclosure</title>
		<link>http://focusonfrederick.com/2008/04/16/carpet-baggers-feeding-off-those-facing-foreclosure/</link>
		<comments>http://focusonfrederick.com/2008/04/16/carpet-baggers-feeding-off-those-facing-foreclosure/#comments</comments>
		<pubDate>Wed, 16 Apr 2008 20:44:54 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[choices]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[GMA]]></category>
		<category><![CDATA[scumbags]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/?p=423</guid>
		<description><![CDATA[Good Morning America did a piece on companies out to &#8220;save&#8221; you from foreclosure. I hate to say it but I did hear someone mention this type of scheme is right here in Frederick. I don&#8217;t know the name of the company but just be aware they are here. When someone says I can help [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2008/04/16/carpet-baggers-feeding-off-those-facing-foreclosure/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Putting a Short Sale together &#8211; what&#8217;s with all the paperwork</title>
		<link>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/</link>
		<comments>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/#comments</comments>
		<pubDate>Wed, 12 Mar 2008 12:42:09 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[shortsale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/</guid>
		<description><![CDATA[photo credit: neoterra As I have mentioned in previous post about Short Sales, there are a few items that the seller will need to accumulate in order to submit a Short Sale Package to the bank. The topic about short sales have been on the tip of everyones tongues recently. In fact, most of the [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2008/03/12/putting-a-short-sale-together-whats-all-the-paperwork/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Short Sales &#8211; Managing Buyer Expectations</title>
		<link>http://focusonfrederick.com/2008/02/27/short-sales-managing-buyer-expectations/</link>
		<comments>http://focusonfrederick.com/2008/02/27/short-sales-managing-buyer-expectations/#comments</comments>
		<pubDate>Wed, 27 Feb 2008 13:40:21 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[shortsale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2008/02/27/short-sales-managing-buyer-expectations/</guid>
		<description><![CDATA[photo credit: liber In my continuing effort to provide you with information about Short Sales and Foreclosures, let&#8217;s talk about the expectations from a buyer&#8217;s side. There have been many lost sales due the lack of understanding of the whole process by either the buyer or the buyer&#8217;s agent. I have mentioned before that buyers [...]]]></description>
		<wfw:commentRss>http://focusonfrederick.com/2008/02/27/short-sales-managing-buyer-expectations/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>What should a seller expect in a Short sale</title>
		<link>http://focusonfrederick.com/2008/02/13/what-should-a-seller-expect-in-a-short-sale/</link>
		<comments>http://focusonfrederick.com/2008/02/13/what-should-a-seller-expect-in-a-short-sale/#comments</comments>
		<pubDate>Wed, 13 Feb 2008 17:24:08 +0000</pubDate>
		<dc:creator>Bob Carney</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate Topics]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[shortsale]]></category>

		<guid isPermaLink="false">http://focusonfrederick.com/2008/02/13/what-should-a-seller-expect-in-a-short-sale/</guid>
		<description><![CDATA[We started talking about Short Sales last week and I said we would break it down for the seller and the buyer. The Short Sale transaction can be frustrating for everyone involved. I think most of the frustration comes from expectations not being met. The short sale is not your every day  real estate transaction.  [...]]]></description>
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		<slash:comments>9</slash:comments>
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