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	<title>Helen Rivard- Realtor Selling Homes in Placerville &#124; El Dorado Hills &#124; Pollock Pines &#124; Call me (530) 409-2687 &#187; California</title>
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	<link>http://helenrivard.com</link>
	<description>&#34;Helping Clients Buy and Sell Short Sale, Foreclosure and Bank Owned Houses&#34;</description>
	<lastBuildDate>Fri, 18 May 2012 00:46:03 +0000</lastBuildDate>
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		<title>Low-ball offers decline in some housing markets</title>
		<link>http://helenrivard.com/2012/05/08/low-ball-offers-decline-in-some-housing-markets/</link>
		<comments>http://helenrivard.com/2012/05/08/low-ball-offers-decline-in-some-housing-markets/#comments</comments>
		<pubDate>Wed, 09 May 2012 02:43:25 +0000</pubDate>
		<dc:creator>Helen Rivard</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Counties]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Los Angeles Times]]></category>
		<category><![CDATA[Low-ball]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://hrivard.blogs.rwnetwork.com/?p=407</guid>
		<description><![CDATA[Los Angeles Times A year ago, 1 out of 10 REALTORS® surveyed said houses were receiving low-ball offers.  In the latest survey, there were hardly any.  Instead, the focus ha shifted to declining inventory levels. Read the full story http://www.latimes.com/business/realestate/la-fi-harney-20120422,0,7259627.story]]></description>
			<content:encoded><![CDATA[<p>Los Angeles Times</p>
<p>A year ago, 1 out of 10 REALTORS® surveyed said houses were receiving low-ball offers.  In the latest survey, there were hardly any.  Instead, the focus ha shifted to declining inventory levels.</p>
<p>Read the full story<br />
<a href="http://www.latimes.com/business/realestate/la-fi-harney-20120422,0,7259627.story">http://www.latimes.com/business/realestate/la-fi-harney-20120422,0,7259627.story</a></p>
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		<title>Aid for troubled mortgages has been revamped</title>
		<link>http://helenrivard.com/2012/04/30/aid-for-troubled-mortgages-has-been-revamped/</link>
		<comments>http://helenrivard.com/2012/04/30/aid-for-troubled-mortgages-has-been-revamped/#comments</comments>
		<pubDate>Tue, 01 May 2012 06:20:03 +0000</pubDate>
		<dc:creator>Helen Rivard</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Counties]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Sacramento]]></category>
		<category><![CDATA[Sacramento Bee]]></category>
		<category><![CDATA[Sacramento California]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://hrivard.blogs.rwnetwork.com/?p=403</guid>
		<description><![CDATA[The Sacramento Bee Nearly five years after the housing bust began, government programs to help those who are underwater on their mortgages, unemployed, or unable to make their payments are kicking into gear. Read the full story http://www.sacbee.com/2012/04/22/4430747/aid-for-troubled-mortgages-has.html]]></description>
			<content:encoded><![CDATA[<p>The Sacramento Bee<br />
Nearly five years after the housing bust began, government programs to help those who are underwater on their mortgages, unemployed, or unable to make their payments are kicking into gear.<br />
Read the full story<br />
<a href="http://www.sacbee.com/2012/04/22/4430747/aid-for-troubled-mortgages-has.html">http://www.sacbee.com/2012/04/22/4430747/aid-for-troubled-mortgages-has.html</a></p>
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		<item>
		<title>Why people walk away from home loans</title>
		<link>http://helenrivard.com/2012/04/23/why-people-walk-away-from-home-loans/</link>
		<comments>http://helenrivard.com/2012/04/23/why-people-walk-away-from-home-loans/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 02:14:39 +0000</pubDate>
		<dc:creator>Helen Rivard</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[San Diego Union]]></category>
		<category><![CDATA[San Diego Union-Tribune]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[University of Chicago]]></category>

		<guid isPermaLink="false">http://hrivard.blogs.rwnetwork.com/?p=398</guid>
		<description><![CDATA[San Diego Union Tribune An estimated 35 percent of the U.S. home-loan defaults in late 2010 were considered strategic, increasing from 26 percent in March 2009, based on figures from the University of Chicago’s business school. Read the full story http://www.utsandiego.com/news/2012/apr/14/why-people-walk-away-home-loans/]]></description>
			<content:encoded><![CDATA[<p>San Diego Union Tribune<br />
An estimated 35 percent of the U.S. home-loan defaults in late 2010 were considered strategic, increasing from 26 percent in March 2009, based on figures from the University of Chicago’s business school.<br />
Read the full story<br />
<a href="http://www.utsandiego.com/news/2012/apr/14/why-people-walk-away-home-loans/">http://www.utsandiego.com/news/2012/apr/14/why-people-walk-away-home-loans/</a></p>
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		<title>Tip of the Week: Reporting a fraudulent deed on real property</title>
		<link>http://helenrivard.com/2012/03/29/tip-of-the-week-reporting-a-fraudulent-deed-on-real-property/</link>
		<comments>http://helenrivard.com/2012/03/29/tip-of-the-week-reporting-a-fraudulent-deed-on-real-property/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 02:37:06 +0000</pubDate>
		<dc:creator>Helen Rivard</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[California Secretary of State]]></category>
		<category><![CDATA[Deed]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[notarypublic]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real property]]></category>
		<category><![CDATA[Sheriff]]></category>

		<guid isPermaLink="false">http://hrivard.blogs.rwnetwork.com/?p=382</guid>
		<description><![CDATA[The California Dept. of Real Estate has issued a consumer alert about what to do if someone learns that a forged and/or fraudulent deed has been recorded against their real property.  According to the alert, those who have learned of the fraudulent deed must act immediately to protect their ownership interest in the home.  Homeowners [...]]]></description>
			<content:encoded><![CDATA[<p>The California  Dept. of Real Estate has issued a consumer alert about what to do if someone  learns that a forged and/or fraudulent deed has been recorded against their real  property.  According to the alert, those who have learned of the fraudulent deed  must act immediately to protect their ownership interest in the home.   Homeowners should immediately gather and collect all of the information,  documents, and other evidence and report the forged deed  to:</p>
<ul>
<li>The local police  and/or Sheriff’s department, and to such police agencies where the property is  located (if different from where the owner  resides.)</li>
</ul>
<ul>
<li>The offices of the  city and district attorneys where the home is  located</li>
</ul>
<ul>
<li>The office of the  recorder in the county where the property is  located</li>
</ul>
<ul>
<li> The local city’s  or county’s department of consumer affairs</li>
</ul>
<ul>
<li>The California  Secretary of State, Notary Public Section.</li>
</ul>
<ul>
<li>The California  Dept. of Real Estate</li>
</ul>
<p><a href="http://www2.realtoractioncenter.com/site/R?i=S9hgL8HLYI4xQvNCzq89Sg" target="_blank"><strong>More  info</strong></a></p>
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		</item>
		<item>
		<title>New housing scam emerges in California</title>
		<link>http://helenrivard.com/2012/03/12/new-housing-scam-emerges-in-california/</link>
		<comments>http://helenrivard.com/2012/03/12/new-housing-scam-emerges-in-california/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 02:54:53 +0000</pubDate>
		<dc:creator>Helen Rivard</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Counties]]></category>
		<category><![CDATA[Kris Dielman]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[San Diego Chargers]]></category>
		<category><![CDATA[San Diego Union-Tribune]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://hrivard.blogs.rwnetwork.com/?p=371</guid>
		<description><![CDATA[San Diego Union-Tribune State officials have noticed an emerging scam: Callers say they will help homeowners apply for Keep Your Home California benefits for fees of up to $900.  The calls are happening statewide.  Applying for the program is free. Read the full story: http://www.utsandiego.com/news/2012/mar/07/new-housing-scheme-emerges-california/]]></description>
			<content:encoded><![CDATA[<p>San Diego Union-Tribune<br />
<strong> </strong>State officials have noticed an emerging scam: Callers say they will help homeowners apply for Keep Your Home California benefits for fees of up to $900.  The calls are happening statewide.  Applying for the program is free.<br />
Read the full story:<br />
<a href="http://www.utsandiego.com/news/2012/mar/07/new-housing-scheme-emerges-california/">http://www.utsandiego.com/news/2012/mar/07/new-housing-scheme-emerges-california/</a></p>
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