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	<title>Sacramento Association of REALTORS® Web Log &#187; Real Estate Finance Forum</title>
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		<title>President&#8217;s Perspective &#8211; December 2011</title>
		<link>http://www.sacrealtor.org/blog/2011/12/12/presidents-perspective-december-2011/</link>
		<comments>http://www.sacrealtor.org/blog/2011/12/12/presidents-perspective-december-2011/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 23:52:41 +0000</pubDate>
		<dc:creator>Doug Covill</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Alicia Guzman-Folster]]></category>
		<category><![CDATA[Allison Couchman]]></category>
		<category><![CDATA[Asian Real Estate Association of American]]></category>
		<category><![CDATA[Barbara Harsch]]></category>
		<category><![CDATA[Bill Espinosa]]></category>
		<category><![CDATA[Bobby Campbell]]></category>
		<category><![CDATA[Bruce Werking]]></category>
		<category><![CDATA[Budget Committee]]></category>
		<category><![CDATA[CanTree]]></category>
		<category><![CDATA[CanTree Committee]]></category>
		<category><![CDATA[Charlene Singley]]></category>
		<category><![CDATA[Chris Little]]></category>
		<category><![CDATA[Code of Ethics]]></category>
		<category><![CDATA[Community Outreach Committee]]></category>
		<category><![CDATA[Crab Fest]]></category>
		<category><![CDATA[Deniece Ross-Francom]]></category>
		<category><![CDATA[Doug Covill]]></category>
		<category><![CDATA[Education Committee]]></category>
		<category><![CDATA[Equal Opportunities and Cultural Diversity Committee]]></category>
		<category><![CDATA[Erin Attardi]]></category>
		<category><![CDATA[Garrett Abben]]></category>
		<category><![CDATA[Government Relations Committee]]></category>
		<category><![CDATA[Grievance Committee]]></category>
		<category><![CDATA[Heather Pearce]]></category>
		<category><![CDATA[Housing Opportunity Committee]]></category>
		<category><![CDATA[Ilah Turner]]></category>
		<category><![CDATA[Izzy Y-Devine]]></category>
		<category><![CDATA[Jeff Jurach]]></category>
		<category><![CDATA[Jenifer Miller]]></category>
		<category><![CDATA[Jessica Lombardo]]></category>
		<category><![CDATA[Judy Covington]]></category>
		<category><![CDATA[Kathy Fox]]></category>
		<category><![CDATA[Kellie Swayne]]></category>
		<category><![CDATA[Kevin Cooper]]></category>
		<category><![CDATA[Leadership Academy]]></category>
		<category><![CDATA[Leon Williams]]></category>
		<category><![CDATA[Linda Bennett]]></category>
		<category><![CDATA[Marketing and Communications Committee]]></category>
		<category><![CDATA[Masters Club]]></category>
		<category><![CDATA[National Association of Hispanic Real Estate Professionals]]></category>
		<category><![CDATA[Nelson Janes]]></category>
		<category><![CDATA[NorCal Real Estate Expo]]></category>
		<category><![CDATA[North Roseville REC Center]]></category>
		<category><![CDATA[Patrick Lieuw]]></category>
		<category><![CDATA[Perry Georgallis]]></category>
		<category><![CDATA[Political Action Committee]]></category>
		<category><![CDATA[Pro Standards Committee]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[Realtists]]></category>
		<category><![CDATA[Regional Meetings]]></category>
		<category><![CDATA[Richard Kitowski]]></category>
		<category><![CDATA[Rivercats]]></category>
		<category><![CDATA[Sandi Burden-Bradley]]></category>
		<category><![CDATA[Scholarship Committee]]></category>
		<category><![CDATA[Scott Short]]></category>
		<category><![CDATA[Sip and Support]]></category>
		<category><![CDATA[St. John's Shelter Program for Women and Children]]></category>
		<category><![CDATA[Stephen T. Webb]]></category>
		<category><![CDATA[Sue Frost]]></category>
		<category><![CDATA[Technology Advisory Committee]]></category>
		<category><![CDATA[Ted Russert]]></category>
		<category><![CDATA[Ted Williams]]></category>
		<category><![CDATA[The Salvation Army]]></category>
		<category><![CDATA[Young Professionals Council]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=3272</guid>
		<description><![CDATA[<p>Five goals – some specific, some far-reaching – have guided the leaders and staff of SAR this year as we all work to serve you, our Members. As you read through this brief review, you will see that we have accomplished a lot this year.</p> Improve Communications Develop a Green Program Establish a 501 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Finance Forum &#8211; The Year in Review</title>
		<link>http://www.sacrealtor.org/blog/2010/12/09/real-estate-finance-forum-the-year-in-review/</link>
		<comments>http://www.sacrealtor.org/blog/2010/12/09/real-estate-finance-forum-the-year-in-review/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 19:23:50 +0000</pubDate>
		<dc:creator>Scott Short</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[A.I.R.]]></category>
		<category><![CDATA[Appraiser Independence Requirements]]></category>
		<category><![CDATA[C.A.R]]></category>
		<category><![CDATA[CAMP]]></category>
		<category><![CDATA[Charles Schumer]]></category>
		<category><![CDATA[Chris Dodd]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Home Valuation Code of Conduct]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Jim Bunning]]></category>
		<category><![CDATA[John Tester]]></category>
		<category><![CDATA[NAMB]]></category>
		<category><![CDATA[NAR]]></category>
		<category><![CDATA[Nationwide Mortgage Licensing System]]></category>
		<category><![CDATA[NFIP]]></category>
		<category><![CDATA[NMLS]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[Scott Short]]></category>
		<category><![CDATA[Senate Banking Committee Chair]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=2864</guid>
		<description><![CDATA[<p>All I can say is WOW! This year has not been boring. Game changing events happened almost every month.</p> <p>We started out the year with total confusion in the mortgage industry due to the new Good Faith Estimate (aka: GFE 2010). It took most mortgage professionals at least a month or two to understand [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Banker Rob Chrisman Speaks at the SAR Real Estate Finance Forum</title>
		<link>http://www.sacrealtor.org/blog/2010/12/02/mortgage-banker-rob-chrisman-speaks-at-the-sar-real-estate-finance-forum/</link>
		<comments>http://www.sacrealtor.org/blog/2010/12/02/mortgage-banker-rob-chrisman-speaks-at-the-sar-real-estate-finance-forum/#comments</comments>
		<pubDate>Thu, 02 Dec 2010 20:51:20 +0000</pubDate>
		<dc:creator>Janelle Fallan</dc:creator>
				<category><![CDATA[Meeting]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[Rob Chrisman]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=2852</guid>
		<description><![CDATA[<p>Mortgage banker Rob Chrisman, San Rafael, spoke to the Real Estate Finance Forum on Dec. 2 on the current state of capital markets.</p> <p>Mr. Chrisman writes a daily on-line column on the mortgage business at robchrisman.com.</p> <p>He discussed the current uncertainty in how mortgage originators are compensated. New federal regulations (Dodd-Frank act) will take [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2010/12/02/mortgage-banker-rob-chrisman-speaks-at-the-sar-real-estate-finance-forum/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>About the Market &#8211; Happy New Year!</title>
		<link>http://www.sacrealtor.org/blog/2010/01/08/about-the-market-happy-new-year/</link>
		<comments>http://www.sacrealtor.org/blog/2010/01/08/about-the-market-happy-new-year/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 16:38:23 +0000</pubDate>
		<dc:creator>Scott Short</dc:creator>
				<category><![CDATA[Meeting]]></category>
		<category><![CDATA[Jim Hanson]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[Scott Short]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=1909</guid>
		<description><![CDATA[<p>I want to start out by saying a &#8220;Big Thank You&#8221; to Jim Hanson for running the Real Estate Finance Forum for the past two years. Jim has created great momentum for the forum and I am thankful.</p> <p>For those who don&#8217;t know me, I am Scott Short with First Priority Financial. I have [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2010/01/08/about-the-market-happy-new-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PRESIDENT&#8217;S PERSPECTIVE &#8211; Thank You, Thank You, Thank You</title>
		<link>http://www.sacrealtor.org/blog/2009/12/11/presidents-perspective-thank-you-thank-you-thank-you/</link>
		<comments>http://www.sacrealtor.org/blog/2009/12/11/presidents-perspective-thank-you-thank-you-thank-you/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 00:40:15 +0000</pubDate>
		<dc:creator>Charlene Singley</dc:creator>
				<category><![CDATA[Community Outreach]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Events]]></category>
		<category><![CDATA[Government Affairs]]></category>
		<category><![CDATA[Masters Club]]></category>
		<category><![CDATA[Press Release]]></category>
		<category><![CDATA[Recognition]]></category>
		<category><![CDATA[Aileen Santee]]></category>
		<category><![CDATA[Alan Wagner]]></category>
		<category><![CDATA[Andy Theilen]]></category>
		<category><![CDATA[Barbara Harsch]]></category>
		<category><![CDATA[Bill McKnight]]></category>
		<category><![CDATA[Board of Directors]]></category>
		<category><![CDATA[Bob Ingols]]></category>
		<category><![CDATA[Budget Committee]]></category>
		<category><![CDATA[CanTree Committee]]></category>
		<category><![CDATA[Charlene Singley]]></category>
		<category><![CDATA[Chris Little]]></category>
		<category><![CDATA[Cleo Brown]]></category>
		<category><![CDATA[Commercial Division]]></category>
		<category><![CDATA[Commercial Division Task Force]]></category>
		<category><![CDATA[Community Outreach Committee]]></category>
		<category><![CDATA[Connecting the Community]]></category>
		<category><![CDATA[David Boliard]]></category>
		<category><![CDATA[Denise Ross-Francom]]></category>
		<category><![CDATA[Dick Swayne]]></category>
		<category><![CDATA[Doug Covill]]></category>
		<category><![CDATA[Education Committee]]></category>
		<category><![CDATA[Elena Crawford]]></category>
		<category><![CDATA[Equal Opportunities and Cultural Diversity Committee]]></category>
		<category><![CDATA[Erin Attardi]]></category>
		<category><![CDATA[Executive Committee]]></category>
		<category><![CDATA[Fall Conference]]></category>
		<category><![CDATA[Francis House]]></category>
		<category><![CDATA[Government Relations Committee]]></category>
		<category><![CDATA[Grievance]]></category>
		<category><![CDATA[Homebuyers Equity Leveraging Program]]></category>
		<category><![CDATA[Housing Opportunity Committee]]></category>
		<category><![CDATA[Industry Update Forum]]></category>
		<category><![CDATA[Jeff Jurach]]></category>
		<category><![CDATA[Jim Hanson]]></category>
		<category><![CDATA[Judy Schoer]]></category>
		<category><![CDATA[Kathy Russell]]></category>
		<category><![CDATA[Kellie Swayne]]></category>
		<category><![CDATA[Kevin Nunn]]></category>
		<category><![CDATA[Leadership Development]]></category>
		<category><![CDATA[Leigh Rutledge]]></category>
		<category><![CDATA[Lunch and Learn]]></category>
		<category><![CDATA[Mary Willett]]></category>
		<category><![CDATA[Paula Swayne]]></category>
		<category><![CDATA[Perry Georgallis]]></category>
		<category><![CDATA[Political Action Committee]]></category>
		<category><![CDATA[Professional Standards]]></category>
		<category><![CDATA[Public Issues Forum]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[REALTOR Action Fund]]></category>
		<category><![CDATA[Rebuilding Together]]></category>
		<category><![CDATA[Rico Rivera]]></category>
		<category><![CDATA[Rob McQuade]]></category>
		<category><![CDATA[Sacramento Food Bank]]></category>
		<category><![CDATA[Scholarship Committee]]></category>
		<category><![CDATA[St. John's Shelter Program]]></category>
		<category><![CDATA[Steve Ostrom]]></category>
		<category><![CDATA[The Communications Advisory Group]]></category>
		<category><![CDATA[Tim McGuire]]></category>
		<category><![CDATA[Tina Jones]]></category>
		<category><![CDATA[Young Professionals Council]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=1740</guid>
		<description><![CDATA[<p><a href="http://www.sacrealtor.org/blog/wp-content/uploads/2009/12/Charlene-Singley.jpg"></a><p class="wp-caption-text">2009 SAR President - Charlene Singley</p>They say time flies, and boy, does it! This year has gone so very quickly, and quite successfully too, I might add. The credit for any success has to be given to the nearly 200 individuals who volunteered during the year in so many ways.</p> <p>When I [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2009/12/11/presidents-perspective-thank-you-thank-you-thank-you/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>About the Market &#8211; December 2009</title>
		<link>http://www.sacrealtor.org/blog/2009/12/07/about-the-market-december-2009/</link>
		<comments>http://www.sacrealtor.org/blog/2009/12/07/about-the-market-december-2009/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 16:30:27 +0000</pubDate>
		<dc:creator>Jim Hanson</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Jim Hanson]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=1752</guid>
		<description><![CDATA[<p><a href="http://www.sacrealtor.org/blog/wp-content/uploads/2009/12/jim-hanson.jpg"></a><p class="wp-caption-text">Jim Hanson - 2009 Real Estate Finance Forum Chair</p>This is my 24th and final article as the Chair of the Real Estate Finance Forum. What a blessing it has been to serve this Association and you, its Members. I wanted to take this opportunity to say thank you to all my faithful [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2009/12/07/about-the-market-december-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Barbara Hayes, SACTO, addresses Real Estate Finance Forum</title>
		<link>http://www.sacrealtor.org/blog/2009/11/06/barbara-hayes-sacto-addresses-real-estate-finance-forum/</link>
		<comments>http://www.sacrealtor.org/blog/2009/11/06/barbara-hayes-sacto-addresses-real-estate-finance-forum/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 17:23:19 +0000</pubDate>
		<dc:creator>Janelle Fallan</dc:creator>
				<category><![CDATA[Community Outreach]]></category>
		<category><![CDATA[Meeting]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[Barbara Hayes]]></category>
		<category><![CDATA[Greening]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[Sacramento Area Commerce and Trade Organization]]></category>
		<category><![CDATA[SACTO]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=1673</guid>
		<description><![CDATA[<p>Recruiting is busier than ever in &#8220;a harbinger of things to come,&#8221; Barbara Hayes, executive director of the <a title="http://www.sacto.org/" href="http://www.sacto.org/" target="_blank">Sacramento Area Commerce and Trade Organization</a> (SACTO) told the Real Estate Finance Forum on November 5.</p> <p>SACTO&#8217;s role is to market the 6-county region to the rest of the world, Ms. Hayes explained. [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2009/11/06/barbara-hayes-sacto-addresses-real-estate-finance-forum/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HVCC causing concern and foreclosures impacting renters</title>
		<link>http://www.sacrealtor.org/blog/2009/08/10/hvcc-causing-concern-and-foreclosures-impacting-renters/</link>
		<comments>http://www.sacrealtor.org/blog/2009/08/10/hvcc-causing-concern-and-foreclosures-impacting-renters/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 16:25:32 +0000</pubDate>
		<dc:creator>Greg Wilson</dc:creator>
				<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Real Estate Finance Forum]]></category>
		<category><![CDATA[SHRA]]></category>

		<guid isPermaLink="false">http://www.sacrealtor.org/blog/?p=1083</guid>
		<description><![CDATA[<p>The mortgage and home valuation arena is in flux still as folks continue to discover the negative impacts of the recently enacted Home Valuation Code of Conduct amid tighter lending guidelines. Some of the unintended consequences of the HVCC are longer turn times for appraisals and suspect valuations from appraisers not familiar with local [...]]]></description>
		<wfw:commentRss>http://www.sacrealtor.org/blog/2009/08/10/hvcc-causing-concern-and-foreclosures-impacting-renters/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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