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<channel>
	<title>rayman mathoda</title>
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	<link>http://raymathoda.com</link>
	<description></description>
	<lastBuildDate>Fri, 29 Jul 2011 16:18:24 +0000</lastBuildDate>
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		<title>Khushwant Singh&#8217;s 8 Clues to Happiness should Drive USA Housing and Social Policy</title>
		<link>http://raymathoda.com/2011/07/29/khushwant-singhs-8-clues-to-happiness-should-drive-usa-housing-and-social-policy/</link>
		<comments>http://raymathoda.com/2011/07/29/khushwant-singhs-8-clues-to-happiness-should-drive-usa-housing-and-social-policy/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 16:18:24 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[World Affairs]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[healthy living]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[housing policy]]></category>
		<category><![CDATA[khushwant singh]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=288</guid>
		<description><![CDATA[My friend Jaspreet Sihota shared with me Khushwant Singh&#8217;s 8 Clues to Happiness. Khushwant Singh is a famously happy (and old) Sikh author and I agree with him 100%. In fact, I believe these 8 principles should underly housing and social policy in America where millions of families are obese, financially unstable (and insecure about <a href="http://raymathoda.com/2011/07/29/khushwant-singhs-8-clues-to-happiness-should-drive-usa-housing-and-social-policy/"> read more <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://raymathoda.com/2011/07/29/khushwant-singhs-8-clues-to-happiness-should-drive-usa-housing-and-social-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Origination News: &#8220;New Role Suggested for RE Agents&#8221;</title>
		<link>http://raymathoda.com/2011/03/21/origination-news-new-role-suggested-for-re-agents/</link>
		<comments>http://raymathoda.com/2011/03/21/origination-news-new-role-suggested-for-re-agents/#comments</comments>
		<pubDate>Mon, 21 Mar 2011 01:02:35 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[hafa]]></category>
		<category><![CDATA[housing crisis]]></category>
		<category><![CDATA[real estate agents]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=274</guid>
		<description><![CDATA[Article on how and why real estate agents should be leveraged - at little or no incremental cost to the market - to help prevent foreclosures. ]]></description>
		<wfw:commentRss>http://raymathoda.com/2011/03/21/origination-news-new-role-suggested-for-re-agents/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Strategies to address the elephant in the python: housing market stability we all want</title>
		<link>http://raymathoda.com/2011/02/12/strategies-to-address-the-elephant-in-the-python-housing-market-stability-we-all-want/</link>
		<comments>http://raymathoda.com/2011/02/12/strategies-to-address-the-elephant-in-the-python-housing-market-stability-we-all-want/#comments</comments>
		<pubDate>Sat, 12 Feb 2011 20:07:45 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[World Affairs]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[distressed consumers]]></category>
		<category><![CDATA[foreclosure alternatives]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[housing policy]]></category>
		<category><![CDATA[housing stability]]></category>
		<category><![CDATA[housing strategy]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=261</guid>
		<description><![CDATA[Innovative strategies to stabilize the housing market, reduce foreclosures, help consumers in distress and reduce losses on defaulted mortgage loans.]]></description>
		<wfw:commentRss>http://raymathoda.com/2011/02/12/strategies-to-address-the-elephant-in-the-python-housing-market-stability-we-all-want/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>492 Days &#8220;Free Rent&#8221; For Those Choosing Foreclosure</title>
		<link>http://raymathoda.com/2010/11/30/492-days-free-rent-for-those-choosing-foreclosure/</link>
		<comments>http://raymathoda.com/2010/11/30/492-days-free-rent-for-those-choosing-foreclosure/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 02:08:16 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[distressed borrower]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure process]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[free rent]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=259</guid>
		<description><![CDATA[For those of you who don't think there's additional downside risk in the housing market, here is a number that is a shock to almost any reasonable reader: 492. This is a number that was reported in a Wall Street Journal blog from yesterday...and represents "the number of days since the average borrower in foreclosure last made a mortgage payment".]]></description>
		<wfw:commentRss>http://raymathoda.com/2010/11/30/492-days-free-rent-for-those-choosing-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAFA Short Sales: A Much Needed “Fresh Start” Program For Troubled Borrowers</title>
		<link>http://raymathoda.com/2010/11/27/hafa-short-sales-a-much-needed-%e2%80%9cfresh-start%e2%80%9d-program-for-troubled-borrowers/</link>
		<comments>http://raymathoda.com/2010/11/27/hafa-short-sales-a-much-needed-%e2%80%9cfresh-start%e2%80%9d-program-for-troubled-borrowers/#comments</comments>
		<pubDate>Sat, 27 Nov 2010 19:14:42 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[debt forgiveness]]></category>
		<category><![CDATA[distressed borrower]]></category>
		<category><![CDATA[foreclosure alternatives]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[hafa]]></category>
		<category><![CDATA[home affordable foreclosure alternatives]]></category>
		<category><![CDATA[mortgage relief]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[treasury]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=257</guid>
		<description><![CDATA[A recently implemented foreclosure alternatives program created by federal officials is reflective of what many real estate professionals know already: for those experiencing significant loss of household income, financial stability and a job are more important than short term retention of home ownership. ]]></description>
		<wfw:commentRss>http://raymathoda.com/2010/11/27/hafa-short-sales-a-much-needed-%e2%80%9cfresh-start%e2%80%9d-program-for-troubled-borrowers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HAFA advice from an expert practitioner (2500 short sales closed since 1991)!</title>
		<link>http://raymathoda.com/2010/08/02/hafa-advice-from-an-expert-practitioner-2500-short-sales-closed-since-1991/</link>
		<comments>http://raymathoda.com/2010/08/02/hafa-advice-from-an-expert-practitioner-2500-short-sales-closed-since-1991/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 21:42:30 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=254</guid>
		<description><![CDATA[I recently met with a real estate professional called Robert Malakouti. Mr. Malakouti is a short sale expert who told me he has completed 2500 short sale transactions since 1991. This is a massive number of short sale transactions&#8230;given most people had never heard the words &#8216;short sale&#8217; until about 2 years ago when the <a href="http://raymathoda.com/2010/08/02/hafa-advice-from-an-expert-practitioner-2500-short-sales-closed-since-1991/"> read more <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://raymathoda.com/2010/08/02/hafa-advice-from-an-expert-practitioner-2500-short-sales-closed-since-1991/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short Sales Marketshare&#8230;25% in Sacramento</title>
		<link>http://raymathoda.com/2010/01/11/short-sales-marketshare25-in-sacramento/</link>
		<comments>http://raymathoda.com/2010/01/11/short-sales-marketshare25-in-sacramento/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 23:15:27 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[real estate supply]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=246</guid>
		<description><![CDATA[Sacramento short sale market share ~25%, and supply low at about 3.3 months.]]></description>
		<wfw:commentRss>http://raymathoda.com/2010/01/11/short-sales-marketshare25-in-sacramento/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Responsible 2nd Chances: Loan Modifications Addressing the Issue of Negative Equity and (Borrower) Moral Hazard</title>
		<link>http://raymathoda.com/2010/01/09/no-free-lunch-loan-modifications-addressing-negative-equity-that-will-work/</link>
		<comments>http://raymathoda.com/2010/01/09/no-free-lunch-loan-modifications-addressing-negative-equity-that-will-work/#comments</comments>
		<pubDate>Sat, 09 Jan 2010 23:46:48 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[World]]></category>
		<category><![CDATA[World Affairs]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[home retention]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[principal writedowns]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=236</guid>
		<description><![CDATA[Proactive government and bank efforts to help distressed borrowers have largely, if not exclusively, been focused on ‘home retention’ programs in 2009. On the one hand this focus makes sense: the first question that should be asked and answered when a family stops making their mortgage payment due to financial hardship is whether an change <a href="http://raymathoda.com/2010/01/09/no-free-lunch-loan-modifications-addressing-negative-equity-that-will-work/"> read more <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://raymathoda.com/2010/01/09/no-free-lunch-loan-modifications-addressing-negative-equity-that-will-work/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>&#8220;Shadow REO Inventory&#8221; Presents Govt Unique Opportunity For Affordable Housing Expansion</title>
		<link>http://raymathoda.com/2009/10/16/shadow-reo-inventory-presents-govt-unique-opportunity-for-affordable-housing-expansion/</link>
		<comments>http://raymathoda.com/2009/10/16/shadow-reo-inventory-presents-govt-unique-opportunity-for-affordable-housing-expansion/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 19:00:21 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[Los angeles]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[affordable foreclosures]]></category>
		<category><![CDATA[affordable housing]]></category>
		<category><![CDATA[affordable housing development and preservation]]></category>
		<category><![CDATA[affordable housing supply]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[los angeles affordable housing]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=231</guid>
		<description><![CDATA[Directly or indirectly government owned foreclosures should be converted into affordable housing to solve 2 problems simultaneously: expand affordable housing supply nationwide, and mitigate downside risks to the US housing market]]></description>
		<wfw:commentRss>http://raymathoda.com/2009/10/16/shadow-reo-inventory-presents-govt-unique-opportunity-for-affordable-housing-expansion/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thoughts on the Current Indications of Possible Housing Market Stabilization</title>
		<link>http://raymathoda.com/2009/08/06/thoughts-on-the-current-indications-of-possible-housing-market-stabilization/</link>
		<comments>http://raymathoda.com/2009/08/06/thoughts-on-the-current-indications-of-possible-housing-market-stabilization/#comments</comments>
		<pubDate>Thu, 06 Aug 2009 03:36:45 +0000</pubDate>
		<dc:creator>rkmathoda</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://raymathoda.com/?p=228</guid>
		<description><![CDATA[If you’re wondering what’s going on with the housing market and whether a permanent home price stabilization trend is underway, you should read this article….which is one of the best ones I’ve seen recently on the topic of the US housing market and likely future trends. At HausAngeles we are seeing clear signs of what <a href="http://raymathoda.com/2009/08/06/thoughts-on-the-current-indications-of-possible-housing-market-stabilization/"> read more <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://raymathoda.com/2009/08/06/thoughts-on-the-current-indications-of-possible-housing-market-stabilization/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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