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<loc>https://short-sale.com/glossary/claims-event</loc>
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<url>
<loc>https://short-sale.com/glossary/claims-without-conveyance-of-title-cwcot</loc>
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<url>
<loc>https://short-sale.com/glossary/classified-as-real-property-under-appli</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/clearinghouse-through-which-member</loc>
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<url>
<loc>https://short-sale.com/glossary/closing</loc>
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<url>
<loc>https://short-sale.com/glossary/closing-agent</loc>
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<url>
<loc>https://short-sale.com/glossary/co-borrower</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/collateral</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/combined-loan-to-value-cltv</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/come</loc>
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<url>
<loc>https://short-sale.com/glossary/commissioners-adjusted-fair-market-value-cafmv</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/common-interest-housing-development-cihd</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/community-facilities-districts</loc>
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<url>
<loc>https://short-sale.com/glossary/community-seconds</loc>
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<url>
<loc>https://short-sale.com/glossary/company</loc>
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<url>
<loc>https://short-sale.com/glossary/complete-condominium-project</loc>
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<url>
<loc>https://short-sale.com/glossary/condemnation</loc>
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<url>
<loc>https://short-sale.com/glossary/condo</loc>
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<url>
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<url>
<loc>https://short-sale.com/glossary/condominium-unit</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/consist-of-two-separate-calculations</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contaminated-sites</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency-reserve</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/contract</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract-commitment-amount</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contributory-value</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/conventional-mortgage</loc>
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<url>
<loc>https://short-sale.com/glossary/conventional-mortgage-loan</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/conversion-clause</loc>
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<url>
<loc>https://short-sale.com/glossary/conversion-date</loc>
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<url>
<loc>https://short-sale.com/glossary/converted-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/convertible-arm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
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<url>
<loc>https://short-sale.com/glossary/cooperative-co-op-project-a-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cooperative-housing-corporation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cooperative-project-documents</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-estimate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-of-funds-index-cofi</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/counter-offer</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/coupon</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-bureau</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-fee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-fee-in-yield</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-life-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-report-information-provided-by</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-risk-score</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-score</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/creditor</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/critical-path</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cu</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cusip-number</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/custodial-account</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/days</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ddebt</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt-to-income-dti-ratio</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decision</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decreasing-market</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-restriction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-of-foreclosure-the</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/default</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/degree-fahrenheit</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delinquency-advance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delivery-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/der-which-the-property-owner-appoints</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/desktop-originator-do</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/detached-condominium-housing-project-dchp</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/detailed-instructions</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date-applicable-to-claims-only</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/distributive-share</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/do</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/document-custodian</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/domestic-partner</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-a-portion-of-the-price</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-and-paying-closing-costs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-programs-or-grants</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/downwards</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/dti</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/dual-tracking</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/dwelling-unit</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/early-payment-defaults</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/earnest-money</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/earths-surface</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/education-to-members-concerning-real-estate</loc>
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<url>
<loc>https://short-sale.com/glossary/electronic-record</loc>
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<url>
<loc>https://short-sale.com/glossary/eligible-disaster</loc>
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</url>
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<loc>https://short-sale.com/glossary/eligible-disaster-area</loc>
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<loc>https://short-sale.com/glossary/emergency-budget</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/encumbrance-any-claim-on-a-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/entitlement</loc>
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<url>
<loc>https://short-sale.com/glossary/environmental-hazard-assessment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity-the-value-in-your-home-above</loc>
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<loc>https://short-sale.com/glossary/equivalent-system</loc>
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<url>
<loc>https://short-sale.com/glossary/errors-and-omissions-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escrow-analysis-the-accounting-that</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
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<loc>https://short-sale.com/glossary/escrow-disbursement-clearing-account</loc>
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<loc>https://short-sale.com/glossary/fair-market-value</loc>
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</url>
<url>
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</url>
<url>
<loc>https://short-sale.com/glossary/federal-banking-agencies</loc>
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<loc>https://short-sale.com/glossary/federal-debt</loc>
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</url>
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</url>
<url>
<loc>https://short-sale.com/glossary/federal-housing-administration</loc>
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</url>
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<loc>https://short-sale.com/glossary/fee-simple</loc>
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</url>
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<loc>https://short-sale.com/glossary/fha-mortgage-limits</loc>
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<url>
<loc>https://short-sale.com/glossary/fhlmc</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/final-delivery-date</loc>
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<loc>https://short-sale.com/glossary/final-project-approval</loc>
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<loc>https://short-sale.com/glossary/final-reconciliation</loc>
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<url>
<loc>https://short-sale.com/glossary/financed-permanent-buydown-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-controls-applicable-to-condominiums-only</loc>
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<url>
<loc>https://short-sale.com/glossary/financial-distress-event</loc>
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<loc>https://short-sale.com/glossary/financial-stability</loc>
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<url>
<loc>https://short-sale.com/glossary/first-mortgage-a-mortgage-that-is-the</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/fiscal-year</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/fixed-rate-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fixed-rate-mortgage-frm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/flood-insurance-rate-map-firm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/for-sale-by-owner-fsbo</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/foreclosure</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/formation-of-the-cooperative-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/formation-of-the-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/freddie-mac-default-legal-matters</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/freddie-mac-income-calculator-certificate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/freddie-mac-owned-converted-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/full-review</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fully-amortizing-arm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fy-properties-located-in-areas-designated</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gage-an-adjustable-rate-mortgage-arm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gage-arm-can-increase-or-decrease</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/general-liability-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-575</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-583</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-589</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-595</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-of-real-estate-terms</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/good-faith-estimate-a-form-required</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gross-income</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gse</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gse-patch</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/guarantee-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/guaranty-fee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/guide-plus-additional-provisions</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gut-rehabilitation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gut-rehabilitation-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/harp</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-borrower</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-for-purchase</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-traditional</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hhazard-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/high-cost-area</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoepa</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/holder</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-disposition-option</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-combined-loan-to-value-ratio-hcltv</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-conversion-mortgage-hecm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-improvement-loan-hil</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-inspection</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-purchase-price</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowner-s-warranty</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-expense-ratio</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-review-and-approval-process-hrap</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-approved-nonprofit</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/i-income-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/identity-of-interest</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/idr</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/inclusionary-zoning</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/income-and-resale-price-restrictions</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/income-approach-to-value</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/increasing-market</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/index-disclosed-to-the-borrower</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/indicator</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-adjustment-cap</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-interest-mortgages</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-period</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/institutional-lender</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/inter-vivos-trust</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-and-secured-party</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-cap</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-ceiling</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-change-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-change-interval</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-floor</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-shortfall</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investing-mortgagee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-income</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issue-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issue-date-principal-balance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issued-by-a-credit-reporting-company</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-property-interest</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-trust-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/last-feedback-certificate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charge</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lationship-between-the-loan-amount</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lease-purchase-mortgage-loan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/leasehold-interest</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/legal-documents-in-the-appropriate-pub</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-provides-a-prospective-borrower</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/lenders-title-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liabilities</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lien</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/life-cap</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liquidation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/listing-agreement</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/listing-broker</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/litigation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-condominium-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/living-trust</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/llc</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/lna</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-applicable-to-title-i-only</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-amount</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/loan-deferment</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/loan-delivery</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/loan-origination-the-process-by-which</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-product</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-sample-risk-assessment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loans-from-institutions-that-lend-directly</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/lock</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/look-back-period</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/lookback-period</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-home-retention-option</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/low-down-payment-feature-a-feature</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ltv</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mac</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/make-whole-payment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/management-agreement</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/management-escalation-process</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mandatory-obligations-applicable-to-hecms-only</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/manually-underwritten-mortgage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-i</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-condominium-project-mhcp</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-housing</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/margin-a-percentage-added-to-the-index</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-area</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-rate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-value</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/master-servicer</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mbs</loc>
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<url>
<loc>https://short-sale.com/glossary/mbs-express-pool</loc>
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<url>
<loc>https://short-sale.com/glossary/mbs-mortgage</loc>
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<url>
<loc>https://short-sale.com/glossary/means</loc>
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<url>
<loc>https://short-sale.com/glossary/mediation</loc>
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<url>
<loc>https://short-sale.com/glossary/military-income</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-bid</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-borrower-contribution</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-contract-servicing-spread</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-coupon-rate</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-decision-credit-score-mdcs</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-required-investment-mri</loc>
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<url>
<loc>https://short-sale.com/glossary/minimum-transfer-amount</loc>
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<url>
<loc>https://short-sale.com/glossary/minority-owned-business-enterprise</loc>
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<url>
<loc>https://short-sale.com/glossary/mitigated-finding</loc>
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<url>
<loc>https://short-sale.com/glossary/modification</loc>
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<url>
<loc>https://short-sale.com/glossary/modification-agreement</loc>
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<url>
<loc>https://short-sale.com/glossary/modification-effective-date</loc>
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<url>
<loc>https://short-sale.com/glossary/modular-home</loc>
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<url>
<loc>https://short-sale.com/glossary/module-2-2</loc>
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<url>
<loc>https://short-sale.com/glossary/module-4-2</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/monthly-expenses</loc>
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<url>
<loc>https://short-sale.com/glossary/monthly-operating-income</loc>
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<url>
<loc>https://short-sale.com/glossary/monthly-payments-increase-according</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-charge</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-closing-checklist</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-credit-certificate-mcc</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance-mi</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-interest-deduction</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-lender</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-market</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-on-indian-land</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-refinance</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-service-provider</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage-servicer-servicer</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-the-institution-or-individual</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgages-key-terms</loc>
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<url>
<loc>https://short-sale.com/glossary/mortgagor</loc>
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<url>
<loc>https://short-sale.com/glossary/multi-property-auction</loc>
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<url>
<loc>https://short-sale.com/glossary/multi-seller-auction</loc>
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<url>
<loc>https://short-sale.com/glossary/multi-width-manufactured-home</loc>
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<url>
<loc>https://short-sale.com/glossary/multifamily-mortgage-a-mortgage-loan</loc>
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<url>
<loc>https://short-sale.com/glossary/multiple-listings-service-mls</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/multiple-pool-transaction</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/n-toolkit-pdf</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/name-is</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/ncusif-ncusif-insured-depository</loc>
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<url>
<loc>https://short-sale.com/glossary/net-cash-flow</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-effective-income</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-monthly-income</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-mortgage-ceiling</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-mortgage-interest-rate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-note-rate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/net-sale-proceeds</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/newly-converted-project</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/nis</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/non-assumption-clause</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/non-loan-product-advisor-mortgage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/non-occupant-borrower</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/non-occupying-borrower-transaction</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/non-traditional-mortgage-credit-report-ntmcr</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/nonsupervised-mortgagee</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/nontaxable-income</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/note-date</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/note-rate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-deficiency-nod</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-intent-to-prepay</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-material-event</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/obligor</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/ofac</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/onsite-sewage-disposal-system</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/ooffer</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/operating-expenses</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/original-issue-settlement</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/original-principal-balance</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/origination-fee-a-fee-paid-to-a-lender</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/others</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/owner-financing-a-transaction-in</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/owner-financing</loc>
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<url>
<loc>https://short-sale.com/glossary/owner-occupant</loc>
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<url>
<loc>https://short-sale.com/glossary/owner-occupant-buyer</loc>
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<url>
<loc>https://short-sale.com/glossary/owner-occupied-property</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/p-partial-payment</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/p-i-determination-date</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/pace-financing</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-11-of-29glossary-last-update</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-13-of-29glossary-last-update</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-15-of-29glossary-last-update</loc>
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</url>
<url>
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</url>
<url>
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</url>
<url>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-25-of-29glossary-last-update</loc>
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</url>
<url>
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</url>
<url>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-29-of-29glossary-last-update</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-7-of-7glossary-last-update</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/page-8-of-29glossary-last-update</loc>
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<url>
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<url>
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<url>
<loc>https://short-sale.com/glossary/partially-below-grade-habitable-space</loc>
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<url>
<loc>https://short-sale.com/glossary/participation-certificate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/participation-interest</loc>
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<url>
<loc>https://short-sale.com/glossary/patronage</loc>
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<url>
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<url>
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<loc>https://short-sale.com/glossary/periodic-payment-cap</loc>
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<url>
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<url>
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<loc>https://short-sale.com/glossary/planned-unit-development-pud</loc>
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<url>
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<url>
<loc>https://short-sale.com/glossary/positive-rental-payment-history</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/power-of-attorney</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-approval-letter</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sale-pfs-approval-to-participate-atp</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-qualification-letter</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/preceding-the-purchase-of-the-security</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/premium-pricing</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepaid-expenses</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-penalty</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/president</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pricing-identifier-terms</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/primary-mortgage-market</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/primary-obligor</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-and-interest-custodial-account</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-distribution-amount</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-owners</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-mortgage-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-savings-club</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/procuring-cause</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/promissory-note</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-flipping</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-preservation-and-protection-p-p</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-value</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-would-be-transferred-between</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-money-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-money-transaction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchasing-mortgage-holder</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qqualifying-guidelines</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-written-request-qwr</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-plan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rapid-payment-method-rpm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ratified-sales-contract-a-contract</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-see-real-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-owned-reo</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-professional</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-terms</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reasonable-modification</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recognition-agreement</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reconveyance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recording</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/records</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/refinance-transaction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/regularly-amortizing-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remaining-term-the-original-number</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remaining-term</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remittance-type</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remote-observation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-income</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/replacement-property</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/replevin</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reprints</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rescission</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reserve-auction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report-rmcr</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-properties</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residual-income-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/responsible-party</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retail-origination</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retirement-benefits</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retirement-income</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revised-general-qm-rule</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revitalization-area</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-rescission</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/riparian-owners</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/risk-class-classification</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/risk-of-property-ownership</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/routine-repairs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rpm</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rural-area</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/s-securities</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-manager</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-leaseback-a-transaction-in-which</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/same-month-pooling</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sanction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sealed-bid</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seasonal-employment</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/secured-party</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-coupon</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-instrument</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-interest</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/self-help-repossession</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-financing</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-take-back-an-agreement-in</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-take-back</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-owned-converted-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-owned-modified-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-servicer</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/selling-mortgage-holder</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/semi-annual-rate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicer-success-scorecard</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-contract</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-file</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-marketplace</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-spread</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-cycle</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-date</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/settlement-statement</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sfha</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/shared-appreciation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sale</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/show-that-youre-committed-to-buying</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sifma</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/single-family-properties</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-unit-approval</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/small-financial-institution</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/soft-second-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standalone-loan-modification</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs-option</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-remittance-cycle</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standards</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/stated-income</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/station-pcs-orders</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/structure</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subject-to-confirmation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subordination-agreement-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subprime-loan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subsequent-transfer-of-servicing</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subsidiary</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/supers-offering-circular</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/supervising-broker</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surchargeable-damage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/surplus-land</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/surroundings</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/survey</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sweat-equity-a-borrowers-contribution</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/systematically-exchange-information</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/taxation</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/taxes</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/teaser-rates</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/technology-open-to-approved-lenders-total</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/temporary-interest-rate-buydown</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case-phase</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/testers</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/the-document-custodial-agreement</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tier-ranking-system-trs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tiered-pricing</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tila</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tion</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-ii-mortgagee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-search</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-floor-area</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-interest-percentage-tip</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-loan-amount</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trade-equity</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trade-in-of-manufactured-home</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tradeline</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/traditional-appraisal</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transaction-number</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transaction</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-tax</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferee-servicing-mortgagee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferor-servicing-mortgagee</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/treasury</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/treasury-index-an-index-that-is-used</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tri-merged-credit-report-trmcr</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trial-period-plan-effective-date</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trustees-sale</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/truth-in-lending-act-tila</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ttaxes-and-insurance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/two-to-four-unit-condominium-project</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/two-step-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/two-time-close</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/umbs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unaudited-regulatory-report</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/understand-your-loan-options-cfpb-gov-owning-a-home-loan-options-anchor-loan-typ</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/underwriting-documents</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/underwriting-score</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uniform-instruments</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uniform-mortgage-backed-security-umbs</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unit-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unsecured-loan-a-loan-that-is-not</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/upset-price</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/usda-loan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/usury</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uunderwriting</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-guaranteed-loan-a-mortgage-loan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-guaranteed-loan</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-va-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/vacation-home</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value-acceptance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/variance</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/voluntary-repossession</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/weighted-average-coupon-wac</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/weighted-average-pool-accrual-rate</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/withdrawal</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/work-item</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/wraparound-mortgage</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/wronged</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/yield</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/yield-difference-or-interest-rate-differential</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-happens-if-i-am-60-days-late</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-is-a-notice-of-default</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california/los-angeles</loc>
<lastmod>2026-08-01T21:13:14.828Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida</loc>
<lastmod>2026-08-01T21:13:14.829Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida/miami-dade</loc>
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</url>
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