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	<title>Michael Saunders Real Estate Blog &#187; Ann Stickel</title>
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	<link>http://www.thesaundersblog.com</link>
	<description>Thoughts and Opinions about the Greater Sarasota, FL Real Estate Market</description>
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		<title>Ask Ann- Describe the Mortgage Options Available for Today&#8217;s Distressed Home Owner</title>
		<link>http://www.thesaundersblog.com/ask-ann-describe-the-mortgage-options-available-for-todays-distressed-home-owner/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-describe-the-mortgage-options-available-for-todays-distressed-home-owner/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 20:57:22 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[Distressed Homeowners]]></category>
		<category><![CDATA[government programs]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[housing recovery]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
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		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2748</guid>
		<description><![CDATA[We asked Ann Stickel-vice president of Affiliated Services for Michael Saunders &#038; Company Mortgage, LLC-what government programs are available for distressed homeowners?  Also, how these government loans help keep people in their homes and the foreclosure rate at a minimum. ]]></description>
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		<title>Market In Review: The Wells Fargo ViewSM</title>
		<link>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/</link>
		<comments>http://www.thesaundersblog.com/market-in-review-the-wells-fargo-viewsm-2/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 15:39:58 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[American Bankers Association]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[Consumer Financial Protection Agency]]></category>
		<category><![CDATA[Consumer Protection Act 2009]]></category>
		<category><![CDATA[Consumer Protection Act of 2009]]></category>
		<category><![CDATA[Consumer Protection Agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[H.R. 4173]]></category>
		<category><![CDATA[Mark Zandi]]></category>
		<category><![CDATA[S&P/ Case-Shiller Home Price]]></category>
		<category><![CDATA[Senate]]></category>
		<category><![CDATA[U.S. House of Representatives]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2701</guid>
		<description><![CDATA[In December, the U.S. House of Representatives approved – by a vote of 223 to 202 – the Wall Street Reform and Consumer Protection Act of 2009, otherwise known as H.R. 4173. This bill proposes sweeping reforms that have the potential to profoundly impact how financial companies operate and what consumers can be offered in terms of products and services.]]></description>
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		<title>Ask Ann &#8211; The Government&#8217;s Impact In The Mortgage Industry Over The Past Six Months</title>
		<link>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-the-governments-impact-in-the-mortgage-industry-over-the-past-six-months/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 20:50:09 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Home Value Code of Conduct]]></category>
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		<category><![CDATA[housing market]]></category>
		<category><![CDATA[HVCC]]></category>
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		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2471</guid>
		<description><![CDATA[Ann Stickel, Vice President of The Michael Saunders Division of Affiliated Services, discusses the changes in the mortgage industry over the past six months. ]]></description>
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		<title>Ask Ann &#8211; What Has Changed in Obtaining A Mortgage in Today&#8217;s Market?</title>
		<link>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/</link>
		<comments>http://www.thesaundersblog.com/ask-ann-what-are-the-steps-in-obtaining-a-mortgage-in-todays-market/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 21:05:58 +0000</pubDate>
		<dc:creator>John Butzko</dc:creator>
				<category><![CDATA[Real Estate Expert Advice Video]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[ask videos]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time homebuyer tax credit]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[Michael Saunders]]></category>
		<category><![CDATA[Michael Saunders & Company]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[real estate market]]></category>
		<category><![CDATA[todays market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=2410</guid>
		<description><![CDATA[In the following video, Ann Stickel discusses what new steps in obtaining a mortgage in today's market that have emerged in the last few years.]]></description>
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		<title>The Best of Times and the Worst of Times: The 2009 REO Market</title>
		<link>http://www.thesaundersblog.com/the-best-of-times-and-the-worst-of-times-the-2009-reo-market/</link>
		<comments>http://www.thesaundersblog.com/the-best-of-times-and-the-worst-of-times-the-2009-reo-market/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 15:46:30 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[REO]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Michael Saunders and Company]]></category>
		<category><![CDATA[RealtyTrac]]></category>
		<category><![CDATA[REO agent]]></category>
		<category><![CDATA[REO market]]></category>
		<category><![CDATA[Rick Sharga]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1456</guid>
		<description><![CDATA[It wasn’t all that long ago that veteran REO agents and brokers were wondering if they should be pursuing another line of work. Through the early part of the decade, foreclosure activity was at below-average levels, properties that entered the foreclosure process seldom made it as far as the foreclosure auction, and properties that made it as far as the auction were generally purchased by eager investors. As a result, very few properties became REOs, and business for REO specialists was scarce.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>7 Tips for Getting a Preapproved Mortgage</title>
		<link>http://www.thesaundersblog.com/7-tips-for-getting-a-preapproved-mortgage/</link>
		<comments>http://www.thesaundersblog.com/7-tips-for-getting-a-preapproved-mortgage/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 19:31:38 +0000</pubDate>
		<dc:creator>Ann Stickel</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Ann Stickel]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[brokerages]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[financial biography]]></category>
		<category><![CDATA[homebuyers]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Michael Saunders and Company]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[pre-approve]]></category>
		<category><![CDATA[preapproval letters]]></category>
		<category><![CDATA[rate quote]]></category>
		<category><![CDATA[real estate market]]></category>

		<guid isPermaLink="false">http://www.thesaundersblog.com/?p=1220</guid>
		<description><![CDATA[With stricter  qualifications and more scrutiny than previous years for securing a home loan,  preapproval letters provide piece of mind for sellers in knowing that the buyer  is capable of handling the purchase. The following article lends some helpful  tips for homebuyers in today’s market.
Today, the first step in landing a [...]]]></description>
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		<slash:comments>4</slash:comments>
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