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	<title>MD Title</title>
	<link>http://marylandcommercialtitle.com/blog</link>
	<description></description>
	<pubDate>Thu, 02 Jul 2009 13:00:43 +0000</pubDate>
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		<title>Half-Empty or Half-Full: 50% Homeowners Underwater, 50% Not</title>
		<link>http://marylandcommercialtitle.com/blog/2009/07/half-empty-halft-full-50-homeowners-negative-equity/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/07/half-empty-halft-full-50-homeowners-negative-equity/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 12:16:54 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>LTV</dc:subject>
	<dc:subject>Refinance</dc:subject>
	<dc:subject>Residential Real Estate</dc:subject>
	<dc:subject>Historical Perspective</dc:subject>
	<dc:subject>Market Trending</dc:subject><dc:subject>Negative Equity</dc:subject><dc:subject>New Refinance Opportunties</dc:subject><dc:subject>Underwater</dc:subject>
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		<description><![CDATA[THE &#8220;HALF-EMPTY&#8221; PERSPECTIVE: It is estimated that more than 50 percent of American homeowners are either in or near a negative equity situation. And if all that is not bad enough, check out the latest news:

 U.S. mortgage applications plunged to a seven-month low last week as demand for home refinancing loans tumbled 30 percent, data [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/07/half-empty-halft-full-50-homeowners-negative-equity/feed/</wfw:commentRss>
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		<title>Refinancing, 125% LTV: Deja vu all over again!</title>
		<link>http://marylandcommercialtitle.com/blog/2009/07/125-ltv-deja-vu-all-over-again/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/07/125-ltv-deja-vu-all-over-again/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:36:27 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>LTV</dc:subject>
	<dc:subject>Fannie Mae and Freddie Mac</dc:subject>
	<dc:subject>Fannie Mae</dc:subject><dc:subject>125% LTV</dc:subject><dc:subject>Fannie Mae and Freddie Mac</dc:subject><dc:subject>Loan to Value</dc:subject>
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		<description><![CDATA[Fannie Mae and Freddie Mac to refinance for homeowners with 125% loan to value ratio. YOU READ IT RIGHT &#8230;. 
Deja vu all over again!! Read all the details at the Wall Street Journal.

The move lifts current 105% limit to aid more borrowers struggling to make payments.
GSEs to offer new 25 year mortgage for some refinances to accelerate [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/07/125-ltv-deja-vu-all-over-again/feed/</wfw:commentRss>
		</item>
		<item>
		<title>More bad news: Moody&#8217;s CPPI for April 2009</title>
		<link>http://marylandcommercialtitle.com/blog/2009/06/more-bad-news-moodys-cppi-for-april-2009/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/06/more-bad-news-moodys-cppi-for-april-2009/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 13:03:02 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>CMBX</dc:subject>
	<dc:subject>Commercial Title Companies</dc:subject>
	<dc:subject>Commercial Real Estate</dc:subject><dc:subject>commercial real estate</dc:subject><dc:subject>Moodys</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/06/more-bad-news-moodys-cppi-for-april-2009/</guid>
		<description><![CDATA[Moody&#8217;s has released its April 2009 Moody&#8217;s/REAL Commercial Property Price Indices (CPPI) update and it is a doozy: -8.6%, after what many had expected was a shooting green reading of just -1.7% in March.
The problem that many don&#8217;t grasp that once capitulation in CRE sets in, the bottom will be torn out.
New York, June 22, 2009 [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/06/more-bad-news-moodys-cppi-for-april-2009/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A CRE Test Valuation: Plummeting Mall REIT Values in 2009</title>
		<link>http://marylandcommercialtitle.com/blog/2009/06/cre-test-valuation-mall-reit-values-in-2009/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/06/cre-test-valuation-mall-reit-values-in-2009/#comments</comments>
		<pubDate>Mon, 08 Jun 2009 20:14:15 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>valuation</dc:subject>
	<dc:subject>Malls</dc:subject>
	<dc:subject>CMBS</dc:subject>
	<dc:subject>CMBX</dc:subject>
	<dc:subject>Market Trending</dc:subject>
	<dc:subject>Historical Perspective</dc:subject>
	<dc:subject>Commercial Real Estate</dc:subject><dc:subject>Commercia Real Estate Valuations</dc:subject><dc:subject>Mall REITs</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/06/cre-test-valuation-mall-reit-values-in-2009/</guid>
		<description><![CDATA[It&#8217;s a buyers market, for sure. Nope. No good news here for sellers. Would you believe that Malls in the Northeast would sell for 50% off their highs &#8230; 
As reported in today at www.ZeroHedge.com, finally we get a market test valuation of the Commercial Real Estate marketplace.   The Buffalo News reports that REIT Developers [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/06/cre-test-valuation-mall-reit-values-in-2009/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Again, Commercial Real Estate&#8217;s Demise &#8230;</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/again-commercial-real-estates-demise/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/again-commercial-real-estates-demise/#comments</comments>
		<pubDate>Sun, 31 May 2009 11:30:13 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>CMBS</dc:subject>
	<dc:subject>Delinquency Rates</dc:subject>
	<dc:subject>CMBX</dc:subject>
	<dc:subject>Commercial Real Estate</dc:subject><dc:subject>commercial mortgages</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/again-commercial-real-estates-demise/</guid>
		<description><![CDATA[When Time Magazine gets around to writing about it, you know it must be true (or old news). 
From our perspective, unfortunately, the toothpaste has been out of the tube for quite some time. As such, read Stephen Gandel&#8217;s article Commercial Real Estate — the Economy&#8217;s Anvil. 
Many argue the impact of the commercial real market collapse. Some [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/again-commercial-real-estates-demise/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Mortgage Fraud: The Gov&#8217;t has come to the rescue</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/250/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/250/#comments</comments>
		<pubDate>Sun, 31 May 2009 10:48:52 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>Fraud Enforcement and Recovery Act of 2009</dc:subject>
	<dc:subject>Financial Crisis Inquiry Commission</dc:subject>
	<dc:subject>Mortgage Fraud</dc:subject>
	<dc:subject>CMBS</dc:subject>
	<dc:subject>Refinance</dc:subject>
	<dc:subject>Bankers</dc:subject>
	<dc:subject>CMBX</dc:subject>
	<dc:subject>Mortgages</dc:subject><dc:subject>Financial Crisis Inquiry Commission</dc:subject><dc:subject>Fraud Enforcement and Recovery Act of 2009</dc:subject><dc:subject>Mortgage Fraud</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/250/</guid>
		<description><![CDATA[Anyone applying for a mortgage or creating mortgage instruments or selling them &#8212; BEWARE. 
The Chicago Daily New’s Ken Harney highlights a recent Obama administration piece of legislation and program that was put into law May 20th. It may not have made a big news, but for real estate it was the equivalent of a congressional declaration [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/250/feed/</wfw:commentRss>
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		<item>
		<title>12% of Homeowners Underwater &#8230;.. Oyyyyy</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/12-of-homeowners-underwater-oyyyyy/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/12-of-homeowners-underwater-oyyyyy/#comments</comments>
		<pubDate>Thu, 28 May 2009 23:36:18 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>Foreclosure</dc:subject>
	<dc:subject>Foreclosures</dc:subject>
	<dc:subject>Subprime</dc:subject>
	<dc:subject>Bankers</dc:subject>
	<dc:subject>Market Trending</dc:subject><dc:subject>12% of Homeowners Underwater</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/12-of-homeowners-underwater-oyyyyy/</guid>
		<description><![CDATA[As reported by ZeroHedge today &#8211; Mortgage Delinquencies Hit Record High, New Home Sales Disappoint. Green shoot believers, who are forever searching for clues of positive signs of recovery, will be devastated when they see these grave statistics. Sorry but the numbers are the numbers:


12 percent of homeowners with a mortgage are behind on their payments or in foreclosure. 


Half of [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/12-of-homeowners-underwater-oyyyyy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Option ARM&#8217;s, Pick-a-Pay and Alt-A: Truth &#038; Tumult</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/option-arms-pick-a-pay-and-alt-a-truth-tumult/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/option-arms-pick-a-pay-and-alt-a-truth-tumult/#comments</comments>
		<pubDate>Wed, 27 May 2009 12:38:30 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>Residential Real Estate</dc:subject>
	<dc:subject>Delinquency Rates</dc:subject>
	<dc:subject>Subprime</dc:subject>
	<dc:subject>Bankers</dc:subject>
	<dc:subject>Mortgages</dc:subject>
	<dc:subject>Market Trending</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/option-arms-pick-a-pay-and-alt-a-truth-tumult/</guid>
		<description><![CDATA[Many have said to us, why publish so much negative news. Where is the good news. Two brief answers. First, it is what it is. Facts are facts. It&#8217;s very important that you know what &#8220;is.&#8221; And next, by knowing the bad news &#8212; up front &#8211; you not only get a heads-up, but you can position yourself to [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/option-arms-pick-a-pay-and-alt-a-truth-tumult/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit Crunch:Half-Empty??</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/the-state-of-the-credit-crunch-half-empty/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/the-state-of-the-credit-crunch-half-empty/#comments</comments>
		<pubDate>Fri, 22 May 2009 18:51:15 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>Historical Perspective</dc:subject><dc:subject>credit crunch</dc:subject><dc:subject>Market Trends</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/the-state-of-the-credit-crunch-half-empty/</guid>
		<description><![CDATA[SeekingAlpha&#8217;s Jeffrey Bernstein makes the case that – as a friend of mines 15 year old son Max likes to say —  “things are gonna get a whole lot worse before it starts to get betta.”   
Some glass-half-full rosy-eyed thinkers have even argued that the economy is now fixed. You know all the green-shoots and mustard seeds [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/the-state-of-the-credit-crunch-half-empty/feed/</wfw:commentRss>
		</item>
		<item>
		<title>CRE Tea Leaves: More Negative Trending</title>
		<link>http://marylandcommercialtitle.com/blog/2009/05/cre-tea-leaves-more-negative-trending/</link>
		<comments>http://marylandcommercialtitle.com/blog/2009/05/cre-tea-leaves-more-negative-trending/#comments</comments>
		<pubDate>Thu, 21 May 2009 12:08:53 +0000</pubDate>
		<dc:creator>Myles</dc:creator>
		
	<dc:subject>Economy</dc:subject>
	<dc:subject>Architect Billing Index</dc:subject>
	<dc:subject>Cresession</dc:subject>
	<dc:subject>Market Trending</dc:subject>
	<dc:subject>Commercial Title Companies</dc:subject>
	<dc:subject>Commercial Real Estate</dc:subject><dc:subject>Architecture Billing Index</dc:subject><dc:subject>Leading Economic Indicator</dc:subject>
		<guid isPermaLink="false">http://marylandcommercialtitle.com/blog/2009/05/cre-tea-leaves-more-negative-trending/</guid>
		<description><![CDATA[More negative tea leaves of what is to come in 2010. In a sign of what is to come within the coming year, the Architecture Billings Index &#8212; which is compiled from a monthly survey of architecture firms around the U.S. &#8211; is a clarion call of leading economic indicators (a precursor of building activity over [...]]]></description>
		<wfw:commentRss>http://marylandcommercialtitle.com/blog/2009/05/cre-tea-leaves-more-negative-trending/feed/</wfw:commentRss>
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