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	<title>Voak Homes &#187; Foreclosure Alternatives</title>
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	<link>http://www.voakhomes.com</link>
	<description>Voak Homes</description>
	<lastBuildDate>Thu, 22 Dec 2011 00:06:23 +0000</lastBuildDate>
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		<title>Monday Morning Coffee &#8211; Short Sell and Keep Your Home</title>
		<link>http://www.voakhomes.com/monday-morning-coffee-short-sell-home/</link>
		<comments>http://www.voakhomes.com/monday-morning-coffee-short-sell-home/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 19:42:38 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Monday Morning Coffee]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=127</guid>
		<description><![CDATA[Special program now exists where an investor will buy your short sale, lease it to you for three years and then sell it back at the same price as he paid.  You pay all the costs associated with managing the house, his expenses and a minimum of $1k a month extra to him.]]></description>
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		<title>Foreclosure Alternatives &#8211; Short Sale vs Foreclosure</title>
		<link>http://www.voakhomes.com/foreclosure-alternatives-short-sale-vs-foreclosure/</link>
		<comments>http://www.voakhomes.com/foreclosure-alternatives-short-sale-vs-foreclosure/#comments</comments>
		<pubDate>Sun, 08 Mar 2009 23:39:13 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=42</guid>
		<description><![CDATA[Differences for home owners in a short sale vs a foreclosure.]]></description>
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		<item>
		<title>Loan Modification Trap</title>
		<link>http://www.voakhomes.com/loan-modification-trap/</link>
		<comments>http://www.voakhomes.com/loan-modification-trap/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 23:36:34 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=40</guid>
		<description><![CDATA[]]></description>
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		<title>What the Bailout Does for Mortgages &#8211; Speficially Yours</title>
		<link>http://www.voakhomes.com/what-the-bailout-does-for-mortgages-speficially-yours/</link>
		<comments>http://www.voakhomes.com/what-the-bailout-does-for-mortgages-speficially-yours/#comments</comments>
		<pubDate>Sun, 22 Feb 2009 23:30:23 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Real Estate Crash]]></category>
		<category><![CDATA[Bailout]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=37</guid>
		<description><![CDATA[Mortgage bailout may not help much in San Diego]]></description>
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		<item>
		<title>Mortgage Foregiveness &#8211; May Work in More Situations</title>
		<link>http://www.voakhomes.com/mortgage-foregiveness-may-work-in-more-situations/</link>
		<comments>http://www.voakhomes.com/mortgage-foregiveness-may-work-in-more-situations/#comments</comments>
		<pubDate>Sun, 15 Feb 2009 23:28:26 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Deficiency Judgement]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=35</guid>
		<description><![CDATA[A way to extend debt relief to some investment homes.]]></description>
			<content:encoded><![CDATA[<div align="right" style="float:right;padding:0px 0px 5px 5px;"><a name="fb_share" type="box_count" share_url="http://www.voakhomes.com/mortgage-foregiveness-may-work-in-more-situations/"></a></div><div class="tweetmeme_button" style="float: right; margin-left: 10px;">
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Far Have We Fallen?  Part 2 &#8211; 4S Ranch</title>
		<link>http://www.voakhomes.com/how-far-have-we-fallen-part-2-4s-ranch/</link>
		<comments>http://www.voakhomes.com/how-far-have-we-fallen-part-2-4s-ranch/#comments</comments>
		<pubDate>Sun, 15 Feb 2009 23:26:20 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[San Diego Real Estate Market]]></category>
		<category><![CDATA[Buy a Home]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=33</guid>
		<description><![CDATA[A detailed market analysis of the 4S Ranch real estate market.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Mortgage Modifications</title>
		<link>http://www.voakhomes.com/mortgage-modifications/</link>
		<comments>http://www.voakhomes.com/mortgage-modifications/#comments</comments>
		<pubDate>Sun, 25 Jan 2009 23:23:47 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=32</guid>
		<description><![CDATA[Key points from a seminar on loan modifications]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Short Sale Update</title>
		<link>http://www.voakhomes.com/short-sale-update/</link>
		<comments>http://www.voakhomes.com/short-sale-update/#comments</comments>
		<pubDate>Sun, 18 May 2008 22:42:04 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=14</guid>
		<description><![CDATA[The frustrations of dealing with banks on short sales.]]></description>
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		<item>
		<title>Short Sale Primer &#8211; Part 3</title>
		<link>http://www.voakhomes.com/short-sale-primer-part-3/</link>
		<comments>http://www.voakhomes.com/short-sale-primer-part-3/#comments</comments>
		<pubDate>Fri, 21 Dec 2007 22:16:20 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Deficiency Judgement]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Taxable Gain]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=6</guid>
		<description><![CDATA[Part 3 of 3 discusses the motivation for sellers to consider a short sale.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Short Sale Primer &#8211; Part 2</title>
		<link>http://www.voakhomes.com/short-sale-primer-part-2/</link>
		<comments>http://www.voakhomes.com/short-sale-primer-part-2/#comments</comments>
		<pubDate>Fri, 21 Dec 2007 22:02:26 +0000</pubDate>
		<dc:creator>Scott Voak</dc:creator>
				<category><![CDATA[Foreclosure Alternatives]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.my4sranch.com/?p=5</guid>
		<description><![CDATA[Part 2 of 3 on short sales focusing on getting bank approval.]]></description>
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