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	<title>Brendan Penney.com</title>
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	<link>http://www.brendanpenney.com</link>
	<description>Solving Financial Problems</description>
	<lastBuildDate>Mon, 12 Jul 2010 20:29:16 +0000</lastBuildDate>
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		<title>Portland</title>
		<link>http://www.brendanpenney.com/2010/07/12/portland/</link>
		<comments>http://www.brendanpenney.com/2010/07/12/portland/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 20:29:16 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=168</guid>
		<description><![CDATA[PORTLAND, CONNECTICUT Portland is a town in Middlesex County, Connecticut situated across the Connecticut River from Middletown. Brownstone quarried in Portland was used in the construction of Hartford&#8217;s Old State House in 1796. The vast majority of the brownstone buildings in Connecticut (see College Row at Wesleyan University and the Long Walk at Trinity College) [...]]]></description>
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		<title>Middlefield</title>
		<link>http://www.brendanpenney.com/2010/07/12/middlefield/</link>
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		<pubDate>Mon, 12 Jul 2010 19:57:23 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=154</guid>
		<description><![CDATA[MIDDLEFIELD, CONNECTICUT Middlefield, in Middlesex County, is so named because it is halfway between Middletown and Durham, and Middletown and Meriden. For such a small community, Middlefield has an abundance of wonderful history that goes back to the late 1600s and many first settlers of Connecticut. Middlefield became a Town in 1866 by an act [...]]]></description>
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		<title>Middletown</title>
		<link>http://www.brendanpenney.com/2010/07/12/middletown/</link>
		<comments>http://www.brendanpenney.com/2010/07/12/middletown/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 18:24:06 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=133</guid>
		<description><![CDATA[MIDDLETOWN, CONNECTICUT Middletown is located along the Connecticut River, in the central part of the state, 16 miles (26 km) south of Hartford. It was incorporated as a town under its original Indian name, Mattabeseck in 1650. It received its present name in 1653. Originally a busy sailing port and then an industrial center, it is [...]]]></description>
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		<title>Tips on Writing a Sales Contract on a Short Sale</title>
		<link>http://www.brendanpenney.com/2010/01/31/tips-on-writing-a-sales-contract-on-a-short-sale/</link>
		<comments>http://www.brendanpenney.com/2010/01/31/tips-on-writing-a-sales-contract-on-a-short-sale/#comments</comments>
		<pubDate>Sun, 31 Jan 2010 15:30:26 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=112</guid>
		<description><![CDATA[A common question I get from Realtors is how they should write a sales contract when a short sale is required to sell the property. In most ways, a short sale doesn&#8217;t differ from a normal sale.  You still have a buyer and a seller (the homeowner &#38; most likely the mortgage holder).  The difference [...]]]></description>
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		<title>Keys to successfully completing a Short Sale</title>
		<link>http://www.brendanpenney.com/2009/12/28/keys-to-successfully-completing-a-short-sale/</link>
		<comments>http://www.brendanpenney.com/2009/12/28/keys-to-successfully-completing-a-short-sale/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 20:03:19 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=108</guid>
		<description><![CDATA[Organization: Short Sales require a lot of paperwork that has to be sent to the banks.  Pages get lost in faxes.  Or, they clump together and never actually get sent from your fax.  It is your responsibility to be organized and make sure that the banks have received all of the documentation.  I always call approximately [...]]]></description>
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		<title>Useful Contract Language</title>
		<link>http://www.brendanpenney.com/2009/11/30/useful-contract-language/</link>
		<comments>http://www.brendanpenney.com/2009/11/30/useful-contract-language/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 18:22:22 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=103</guid>
		<description><![CDATA[In previous postings, I’ve focused solely on the listing agent or the homeowner who is selling the property. However, as I’ve been reviewing offers submitted on multiple properties that I’ve been selling short, I’ve noticed some issues with the contract / offers that are easily resolved with a clearer understanding of the short sale process [...]]]></description>
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		<title>Negotiating with the Banks</title>
		<link>http://www.brendanpenney.com/2009/10/30/negotiating-with-the-banks/</link>
		<comments>http://www.brendanpenney.com/2009/10/30/negotiating-with-the-banks/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 20:50:20 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=100</guid>
		<description><![CDATA[Anyone who tells you that they have the “secret” to negotiating with banks on a short sale is generally full of it.  The reality is that the banks are required by the investor who owns the mortgage to get them somewhere in the range of 88-92% of FMV as established by their BPO/Appraisal.  There is [...]]]></description>
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		<title>What does a bank require for a short sale?</title>
		<link>http://www.brendanpenney.com/2009/09/04/what-does-a-bank-require-for-a-short-sale/</link>
		<comments>http://www.brendanpenney.com/2009/09/04/what-does-a-bank-require-for-a-short-sale/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 21:25:31 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=90</guid>
		<description><![CDATA[When it comes to submitting a short sale offer to the lender, the paperwork required is just about the same for every bank.  Make sure that your short sale package is complete and organized and you will find that the bank&#8217;s are easier to work with Hardship Letter Approximately one (1) paragraph long briefly explaining [...]]]></description>
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		<title>No rights!</title>
		<link>http://www.brendanpenney.com/2009/08/15/what-is-a-short-sale/</link>
		<comments>http://www.brendanpenney.com/2009/08/15/what-is-a-short-sale/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 16:20:18 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Contact Us]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=85</guid>
		<description><![CDATA[Sorry no rights!]]></description>
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		<item>
		<title>No rights!</title>
		<link>http://www.brendanpenney.com/2009/08/15/homeowner-options/</link>
		<comments>http://www.brendanpenney.com/2009/08/15/homeowner-options/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 13:08:40 +0000</pubDate>
		<dc:creator>brendan</dc:creator>
				<category><![CDATA[Contact Us]]></category>

		<guid isPermaLink="false">http://www.brendanpenney.com/?p=34</guid>
		<description><![CDATA[Sorry no rights!]]></description>
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