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	<title>Twin Cities Real Estate Blog &#187; foreclosure</title>
	<atom:link href="http://www.twincitiesrealestateblog.com/tag/foreclosure/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.twincitiesrealestateblog.com</link>
	<description>Housing News, Opinion, Statistics and Homes for Sale</description>
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		<item>
		<title>The Perfect Bank Foreclosure Client</title>
		<link>http://www.twincitiesrealestateblog.com/2010/perfect-bank-foreclosure-client/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/perfect-bank-foreclosure-client/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 17:24:02 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[listing agent]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1698</guid>
		<description><![CDATA[I have been working with one foreclosure seller for more than two years now and it has been a great experience.  While you hear of many horror stories about the process and the problems, I am thankful to say that I haven&#8217;t had those issues with this seller.  My inventory with this seller is almost [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/perfect-bank-foreclosure-client/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Are Higher-End Twin Cities Foreclosures Coming?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/higher-end-twin-cities-foreclosures/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/higher-end-twin-cities-foreclosures/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 21:20:28 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Crystal Ball Projections]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Neighborhood Info]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[price point]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1662</guid>
		<description><![CDATA[For a while now there&#8217;s been some talk that the foreclosure activity would become more prevalent in the higher-priced home market &#8211; well as of yet we haven&#8217;t seen that materialize.  In fact, by far the strongest activity remains in the lowest price ranges for both foreclosures and short sales: In the future we may [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/higher-end-twin-cities-foreclosures/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How Much &#8216;Shadow Inventory&#8217; Is There?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/how-much-shadow-inventory-is-there/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/how-much-shadow-inventory-is-there/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 18:47:44 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[reo]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[twin cities real estate]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1332</guid>
		<description><![CDATA[The National Association of REALTORS has put together a video discussing the amount and type of  &#8217;Shadow Inventory&#8217; nationally.  The biggest problem with such figures is that they are still based off of sampling &#38; definitions of what is or is not counted in the definition.  Regardless of what the actual number is, the video [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/how-much-shadow-inventory-is-there/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>2010 Foreclosure &#8220;Tidal Wave&#8221; Just Another High Tide?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/foreclosure-tidal-wave/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/foreclosure-tidal-wave/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 19:41:45 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Crystal Ball Projections]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Neighborhood Info]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[reo]]></category>
		<category><![CDATA[sheriff sales]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1182</guid>
		<description><![CDATA[For a year or so there have been stories of more foreclosures coming.  While I don&#8217;t doubt the warning and we&#8217;re starting to see a tick up in sheriff sales, I do think that given the speed that the banks are going that it will be 2011 before we see much of this expected surge of [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/foreclosure-tidal-wave/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>In A Short Sale, Who Represents The Lender?</title>
		<link>http://www.twincitiesrealestateblog.com/2010/in-a-short-sale-who-represents-the-lender/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/in-a-short-sale-who-represents-the-lender/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 18:40:15 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1156</guid>
		<description><![CDATA[Twin Cities February closed sales showed that bank owned foreclosures were 35% of the month&#8217;s closed units and short sales represented another 13% &#8211; making Lender-Mediated homes sales almost 50% of all residential home sales in the Minneapolis/St. Paul region. On a bank-owned home the Seller is of course the bank and therefore the Listing Agent [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/in-a-short-sale-who-represents-the-lender/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Foreclosure and Mortgage Delinquency Data Released</title>
		<link>http://www.twincitiesrealestateblog.com/2010/foreclosure-and-mortgage-delinquency-data-released/</link>
		<comments>http://www.twincitiesrealestateblog.com/2010/foreclosure-and-mortgage-delinquency-data-released/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 18:58:45 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Crystal Ball Projections]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage bankers association]]></category>
		<category><![CDATA[mortgage defaults]]></category>
		<category><![CDATA[sheriff sales]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=1042</guid>
		<description><![CDATA[Last week was a notable week for those data buffs among us &#8211; HousingLink released their 2009 Foreclosure Report and the Mortgage Bankers Association released their quarterly delinquency survey. As Chris Snowbeck from the Pioneer Press notes in a recent article, the HousingLink data is good news but can&#8217;t be considered a sign that the [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2010/foreclosure-and-mortgage-delinquency-data-released/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Something Fishy with RealtyTrac Numbers?</title>
		<link>http://www.twincitiesrealestateblog.com/2009/something-fishy-with-realtytrac-numbers/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/something-fishy-with-realtytrac-numbers/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 14:33:10 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[notice of default]]></category>
		<category><![CDATA[realtytrac]]></category>
		<category><![CDATA[sheriff sale]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=798</guid>
		<description><![CDATA[Bumped into a blog post from the folks at Smart Politics regarding the RealtyTrac foreclosure data released for November 2009.  I was stunned by their quote that the foreclosure rate is up 56% in Minnesota in the last year.  I heavily track foreclosure activity and haven&#8217;t seen nor felt that amount of increase.  At first I [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/something-fishy-with-realtytrac-numbers/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Minneapolis &amp; St. Paul Foreclosure Short Sale Report Updated</title>
		<link>http://www.twincitiesrealestateblog.com/2009/minneapolis-st-paul-foreclosure-short-sale-report-updated/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/minneapolis-st-paul-foreclosure-short-sale-report-updated/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 13:54:28 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated sales]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[traditional sellers]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=763</guid>
		<description><![CDATA[MAAR&#8217;s Foreclosure and Short Sale Report (FSS for short) has been updated for November 2009.  Since October we are now publishing this report MONTHLY and have broken out foreclosures, short sales and traditional sales separately. There is a TON of information in here to see but some of the big items of note: Foreclosure/REO new [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/minneapolis-st-paul-foreclosure-short-sale-report-updated/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Home Buyer Tax Credit Extension Impact</title>
		<link>http://www.twincitiesrealestateblog.com/2009/home-buyer-tax-credit-extension-impact/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/home-buyer-tax-credit-extension-impact/#comments</comments>
		<pubDate>Thu, 29 Oct 2009 05:12:20 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[1st time buyer]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[tax credit extension]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=685</guid>
		<description><![CDATA[Another day, another tax credit extension proposal. So the latest idea still includes an $8000 tax credit to 1st time buyers and a $6500 tax credit to repeat buyers that have owned their previous home 5+ years.  While it doesn&#8217;t say it in the CNBC article, I have heard from other sources that the proposed [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/home-buyer-tax-credit-extension-impact/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Traditional, Bank Owned and Short Sales &#8211; A Comparison</title>
		<link>http://www.twincitiesrealestateblog.com/2009/traditional-bank-owned-short-sales-comparison/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/traditional-bank-owned-short-sales-comparison/#comments</comments>
		<pubDate>Fri, 24 Apr 2009 11:00:55 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Questions and Answers]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[traditional seller]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=561</guid>
		<description><![CDATA[Most of my buyers are NOT housing experts&#8230; they are &#8220;regular people&#8221; and are experts in whatever field they work in but not in real estate.  That&#8217;s just fine because that&#8217;s why people like me have jobs doing what we do!  One of the most frequent topics that comes up is the differences between traditional [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/traditional-bank-owned-short-sales-comparison/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Crystal Ball &#8211; Foreclosure Prices Have Bottomed in Twin Cities</title>
		<link>http://www.twincitiesrealestateblog.com/2009/foreclosure-prices-have-bottomed/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/foreclosure-prices-have-bottomed/#comments</comments>
		<pubDate>Wed, 22 Apr 2009 20:01:24 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing recovery]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=536</guid>
		<description><![CDATA[For weeks now I&#8217;ve been getting the feeling that we&#8217;ve turned the corner on prices in foreclosures.  Today I&#8217;m ready to go out on a limb and take the position that prices on bank owned inventory has bottomed and in fact is likely to bounce up some over the next few months. These are the [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/foreclosure-prices-have-bottomed/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Coming Soon &#8211; New Foreclosure &amp; Short Sale Search Options</title>
		<link>http://www.twincitiesrealestateblog.com/2009/coming-soon-new-foreclosure-short-sale-search-options/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/coming-soon-new-foreclosure-short-sale-search-options/#comments</comments>
		<pubDate>Sat, 18 Apr 2009 17:13:27 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=524</guid>
		<description><![CDATA[10 months after the Minneapolis/St. Paul area MLS (RMLS of MN) made available the somewhat-useful-but-really-bastardized-lender-mediated-mls-field and 14 months after I started openly pushing for specific fields, they have now come to see the light and are redoing the fields as three separate and distinct fields that address each of the major questions/problems of lender mediated listings: [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/coming-soon-new-foreclosure-short-sale-search-options/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Minnesota 2008 Foreclosure Statistics Released</title>
		<link>http://www.twincitiesrealestateblog.com/2009/minnesota-2008-foreclosure-statistics-released/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/minnesota-2008-foreclosure-statistics-released/#comments</comments>
		<pubDate>Mon, 09 Mar 2009 18:33:25 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=482</guid>
		<description><![CDATA[Thanks to the Minnesota Homeownership Center Blog for telling me about HousingLink&#8217;s Q4 2008 update to their Foreclosure Report. What&#8217;s especially interesting to me is the chart showing foreclosure counts as a percentage of total houses: MAAR did a similar &#8220;heat map&#8221; for the Twin Cities, specifically looking at 2008 &#8220;lender mediated sales&#8221; &#8211; which [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/minnesota-2008-foreclosure-statistics-released/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Q4 Lender Mediated Report &amp; City Level Data Released</title>
		<link>http://www.twincitiesrealestateblog.com/2009/q4-lender-mediated-report-city-level-data-released/</link>
		<comments>http://www.twincitiesrealestateblog.com/2009/q4-lender-mediated-report-city-level-data-released/#comments</comments>
		<pubDate>Tue, 27 Jan 2009 16:20:49 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Personal Experiences]]></category>
		<category><![CDATA[bank owned]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing affordability]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[lender mediated]]></category>
		<category><![CDATA[reo]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[statistics]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=412</guid>
		<description><![CDATA[Today I am pleased to announce the release of the Foreclosures and Short Sales in the Twin Cities Housing Market: Q4 2008 Update.  This is the 4th installment of quarterly reporting of lender mediated sales and their impact in the Greater Minneapolis/St. Paul area, which I co-author with the musically, intellectually, politically and statistically talented Jeff Allen.  2008 reports from quarters [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2009/q4-lender-mediated-report-city-level-data-released/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Financing Costs for Twin Cities Homes &#8211; A Different View</title>
		<link>http://www.twincitiesrealestateblog.com/2008/financing-costs-for-twin-cities-homes-a-different-view/</link>
		<comments>http://www.twincitiesrealestateblog.com/2008/financing-costs-for-twin-cities-homes-a-different-view/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 00:37:08 +0000</pubDate>
		<dc:creator>Aaron Dickinson</dc:creator>
				<category><![CDATA[Community Issues]]></category>
		<category><![CDATA[Foreclosures and Short Sales]]></category>
		<category><![CDATA[Info for Buyers]]></category>
		<category><![CDATA[Info for Sellers]]></category>
		<category><![CDATA[Market Stats]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing affordability]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.twincitiesrealestateblog.com/?p=385</guid>
		<description><![CDATA[I love data&#8230; be it hard numbers, graphs, charts, tables, interpretation, etc.  I&#8217;ve come up with another concept of tracking overall affordability: combining cost per finished square foot with mortgage rates to give an overall cost of financing each square foot of house over the last few years (I only had data back to 2002): [...]]]></description>
		<wfw:commentRss>http://www.twincitiesrealestateblog.com/2008/financing-costs-for-twin-cities-homes-a-different-view/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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