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	<title>Clay MADISEN &#124; San Diego Real Estate Blog &#187; Owners News</title>
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	<link>http://www.claymadisen.com/blog</link>
	<description>Clay&#039;s Real Estate blog</description>
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		<title>New free property valuation tool</title>
		<link>http://www.claymadisen.com/blog/2009/08/08/new-free-property-valuation-tool/</link>
		<comments>http://www.claymadisen.com/blog/2009/08/08/new-free-property-valuation-tool/#comments</comments>
		<pubDate>Sun, 09 Aug 2009 01:20:03 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Investors News]]></category>
		<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Sellers News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/?p=397</guid>
		<description><![CDATA[New and exciting updates are in the works for this website:  in an ongoing effort to make your life easier, I have added a  new Free Value Wizard.
This is a great tool to get a ballpark value: it will show you a bird&#8217;s eye view of properties in a defined neighborhood and their respective estimated [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/08/08/new-free-property-valuation-tool/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making Home Affordable &#8211; Home</title>
		<link>http://www.claymadisen.com/blog/2009/06/26/making-home-affordable-home/</link>
		<comments>http://www.claymadisen.com/blog/2009/06/26/making-home-affordable-home/#comments</comments>
		<pubDate>Sat, 27 Jun 2009 03:15:53 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/06/28/making-home-affordable-home/</guid>
		<description><![CDATA[Are you having trouble making that mortgage payment? Do you need some guidance finding a way to stay in your home?
Here are some resources and information that can help. http://www.makinghomeaffordable.gov/
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/06/26/making-home-affordable-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Foreclosure Resources</title>
		<link>http://www.claymadisen.com/blog/2009/04/25/mortgage-foreclosure-resources/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/mortgage-foreclosure-resources/#comments</comments>
		<pubDate>Sun, 26 Apr 2009 05:08:54 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/04/25/mortgage-foreclosure-resources/</guid>
		<description><![CDATA[From the Federal Reserve:
http://preview.tinyurl.com/cqdm9k
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/04/25/mortgage-foreclosure-resources/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>STICKY &#8211; Avoiding Mortgage Fraud &amp; Foreclosure Scams</title>
		<link>http://www.claymadisen.com/blog/2009/04/25/5-tips-for-avoiding-foreclosurescams/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/5-tips-for-avoiding-foreclosurescams/#comments</comments>
		<pubDate>Sun, 26 Apr 2009 05:07:01 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/04/25/5-tips-for-avaoiding-foreclosu/</guid>
		<description><![CDATA[Mortgage fraud is becoming more and more common.
To help you protect yourself, Freedie Mac released this video explaining common fraud schemes and how to spot red flags:


Spanish language version of this video:
www.youtube.com/watch?v=qQQJ6unRYaY
You can also learn more on this topic following these links:

5 tips from the Federal Reserve  to avoid Foreclosure scams
Freddie Mac: Avoiding Mortgage Fraud
Freddie [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/04/25/5-tips-for-avoiding-foreclosurescams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hope Now Alliance</title>
		<link>http://www.claymadisen.com/blog/2009/03/26/hope-now/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/26/hope-now/#comments</comments>
		<pubDate>Fri, 27 Mar 2009 02:01:39 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/06/28/hope-now/</guid>
		<description><![CDATA[HOPE NOW is an alliance between HUD approved counseling agents, mortgage companies, investors and other mortgage market participants that provides free foreclosure prevention assistance:
http://www.hopenow.com
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/03/26/hope-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>REO Rental Initiative</title>
		<link>http://www.claymadisen.com/blog/2009/03/17/reo-rental-initiativ/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/17/reo-rental-initiativ/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 10:06:04 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/03/17/freddie-mac-launches-reo-renta/</guid>
		<description><![CDATA[Freddie Mac Launches REO Rental Initiative for Tenants, Owner-Occupants after Foreclosure:
http://tinyurl.com/cofhbr
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/03/17/reo-rental-initiativ/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Green and Eco-Friendly Flooring Information</title>
		<link>http://www.claymadisen.com/blog/2009/02/25/green-flooring-information-and-eco-friendly-floor-community-by-greenfindanyfloorcom/</link>
		<comments>http://www.claymadisen.com/blog/2009/02/25/green-flooring-information-and-eco-friendly-floor-community-by-greenfindanyfloorcom/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 01:03:17 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/03/02/green-flooring-information-and-eco-friendly-floor-community-by-greenfindanyfloorcom/</guid>
		<description><![CDATA[Here is an excellent resource if you are thinking of green alternatives for flooring:
Green.FindAnyFloor.com
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2009/02/25/green-flooring-information-and-eco-friendly-floor-community-by-greenfindanyfloorcom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stimulus Bill Includes Boosting Conforming Loan Limits</title>
		<link>http://www.claymadisen.com/blog/2008/02/12/stimulus-bill-signed-boosting-conforming-loan-limits/</link>
		<comments>http://www.claymadisen.com/blog/2008/02/12/stimulus-bill-signed-boosting-conforming-loan-limits/#comments</comments>
		<pubDate>Wed, 13 Feb 2008 07:32:27 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/02/12/stimulus-bill-signed-boosting-conforming-loan-limits/</guid>
		<description><![CDATA[President Bush on Monday signed off on the $170 billion stimulus packaged approved by Congress last week, which, in addition to tax rebates for millions of working Americans and business owners, includes a vital, but temporary increase in the conforming loan limit.
The economic stimulus package will allow the Federal Housing Administration, as well as Fannie [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/02/12/stimulus-bill-signed-boosting-conforming-loan-limits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Cancellation &#8211; Legislative History</title>
		<link>http://www.claymadisen.com/blog/2008/01/31/mortgage-cancellation-legislative-history/</link>
		<comments>http://www.claymadisen.com/blog/2008/01/31/mortgage-cancellation-legislative-history/#comments</comments>
		<pubDate>Fri, 01 Feb 2008 05:39:35 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/01/31/mortgage-cancellation-legislative-history/</guid>
		<description><![CDATA[Mortgage Debt Cancellation Relief &#8211; H.R. 3648 &#8211; Public Law 110-142: General Information and Provisions
Individuals who are relieved of their obligation to pay some portion of a mortgage debt on a principal residence between January 1, 2007 and December 31, 2009 will not be required to pay income tax on any amount that is forgiven.
You [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/01/31/mortgage-cancellation-legislative-history/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Secure</title>
		<link>http://www.claymadisen.com/blog/2008/01/28/about_fhascusqa/</link>
		<comments>http://www.claymadisen.com/blog/2008/01/28/about_fhascusqa/#comments</comments>
		<pubDate>Tue, 29 Jan 2008 03:11:52 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/01/28/about_fhascusqa/</guid>
		<description><![CDATA[Having trouble with your mortgage?
FHASecure is a refinancing option that gives credit-worthy homeowners, who were making timely mortgage payments before their loans reset but are now in default, a second chance with a FHA insured loan product. This program could help you stay in your home.
Follow this link to learn more and check if you [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/01/28/about_fhascusqa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRS: Tax Topics &#8211; Home Mortgage Points</title>
		<link>http://www.claymadisen.com/blog/2008/01/19/tax-topics-topic-504-home-mortgage-points/</link>
		<comments>http://www.claymadisen.com/blog/2008/01/19/tax-topics-topic-504-home-mortgage-points/#comments</comments>
		<pubDate>Sat, 19 Jan 2008 12:02:31 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/01/19/tax-topics-topic-504-home-mortgage-points/</guid>
		<description><![CDATA[The term &#8220;points&#8221; is used to describe certain charges paid to obtain a home mortgage.
Points may be deductible as home mortgage interest. If you can deduct all of the interest on your mortgages, you may be able to                  [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/01/19/tax-topics-topic-504-home-mortgage-points/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January 2008 Market Reports</title>
		<link>http://www.claymadisen.com/blog/2008/01/18/january-2008-real-estate-market-reports/</link>
		<comments>http://www.claymadisen.com/blog/2008/01/18/january-2008-real-estate-market-reports/#comments</comments>
		<pubDate>Sat, 19 Jan 2008 03:43:17 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Investors News]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Sellers News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/01/18/january-2008-real-estate-market-reports/</guid>
		<description><![CDATA[The San Diego Market Report pages have just been updated with the  real estate market trends for December 2007. Annual reports reflecting the global data for the year 2007 is also available on these pages.
These reports feature the latest local market trends data and analysis for both the central and south San Diego markets, [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/01/18/january-2008-real-estate-market-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoiding Mortgage Fraud</title>
		<link>http://www.claymadisen.com/blog/2008/01/02/site-requirements/</link>
		<comments>http://www.claymadisen.com/blog/2008/01/02/site-requirements/#comments</comments>
		<pubDate>Thu, 03 Jan 2008 04:22:22 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Investors News]]></category>
		<category><![CDATA[Online Resources]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Sellers News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2008/01/02/site-requirements/</guid>
		<description><![CDATA[Excellent resource from Freddie Mac to help homeowners and buyers to avoid mortgage scams.
You can also watch the You Tube presentation.
]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2008/01/02/site-requirements/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>December 2007 Market Reports</title>
		<link>http://www.claymadisen.com/blog/2007/12/14/december-2007-market-reports/</link>
		<comments>http://www.claymadisen.com/blog/2007/12/14/december-2007-market-reports/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 22:40:37 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Investors News]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Sellers News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2007/12/14/december-2007-market-reports/</guid>
		<description><![CDATA[The San Diego Market Report pages have just been updated with the real estate market trends for November 2007 .
These reports feature the latest local market trends data and analysis for both the central and south San Diego markets, including on the city level.
For your convenience, the market reports are also available as PDF files:

Central [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2007/12/14/december-2007-market-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>November 2007 Market Reports</title>
		<link>http://www.claymadisen.com/blog/2007/11/14/november-2007-market-reports/</link>
		<comments>http://www.claymadisen.com/blog/2007/11/14/november-2007-market-reports/#comments</comments>
		<pubDate>Wed, 14 Nov 2007 22:27:49 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
		<category><![CDATA[Investors News]]></category>
		<category><![CDATA[Owners News]]></category>
		<category><![CDATA[Sellers News]]></category>

		<guid isPermaLink="false">http://www.claymadisen.com/blog/2007/11/14/november-2007-market-reports/</guid>
		<description><![CDATA[The San Diego Market Report pages have just been updated with the real estate market trends for October 2007 .
These reports feature the latest local market trends data and analysis for both the central and south San Diego markets, including on the city level.
For your convenience, the market reports are also available as PDF files:

Central [...]]]></description>
		<wfw:commentRss>http://www.claymadisen.com/blog/2007/11/14/november-2007-market-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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