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<url>
<loc>https://short-sale.com/glossary/combination-loan-modification-and-partial-claim</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-loan-to-value-cltv</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/come</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commission-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commissioners-adjusted-fair-market-value-cafmv</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commitment-letter</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-interest-housing-development-cihd</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/community-facilities-districts</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/community-seconds</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-condominium-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condemnation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conditions-of-sale</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condo</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condo-project-manager-cpm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-condo-unit</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency-reserve</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contributory-value</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conventional-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/convertible-arm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cooperative-co-op-project-a-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-estimate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-of-funds-index-cofi</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/counter-offer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cpm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-bureau</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-history</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-life-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-report-information-provided-by</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-score</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/creditor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cu</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cusip-number</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/custodial-account</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/days</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ddebt</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt-ratio</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt-to-income-dti-ratio</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decision-credit-score</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decreasing-market</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-of-trust</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-restriction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-of-foreclosure-the</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/default</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deferral-period-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delinquency-advance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delivery-versus-payment-settlement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/der-which-the-property-owner-appoints</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/desktop-originator-do</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/desktop-underwriter-du</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/detached-condominium-housing-project-dchp</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date-applicable-to-claims-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/discount-point</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disputed-derogatory-credit-account</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/distributive-share</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/do</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/document-custodian</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/domestic-partner</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-a-portion-of-the-price</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-and-paying-closing-costs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-programs-or-grants</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dti</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/due-on-sale-provision</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dwelling-unit</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-payment-defaults</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/earnest-money</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/earnest-money-deposit</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/easement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-event</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/education-to-members-concerning-real-estate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/electronic-record</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eligible-contractor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assisted-housing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employment-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/encroachment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/encumbrance-any-claim-on-a-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/environmental-hazard-assessment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity-the-value-in-your-home-above</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equivalent-system</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/errors-and-omissions-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escrow</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escrow-analysis-the-accounting-that</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/esign</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eviction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/examine-the-property-being-purchased</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excess-land</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excluded-parties</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/exclusive-agency-listing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/executor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-issue</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-less-than-one-year</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/external-depreciation-economic-obsolescence</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/externalities</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/facsimile-signatures</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fair-market-value</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fair-plan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fannie-mae-connect</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-banking-agencies</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-debt</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-emergency-management-agency-fema</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-housing-administration</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-housing-finance-agency-fhfa</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee-simple</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-insurance-concentration</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-mortgage-limits</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fhfa</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fhlmc</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/final-project-approval</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/final-reconciliation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/finance-charge</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-controls-applicable-to-condominiums-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-distress-event</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-stability</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-mortgage-a-mortgage-that-is-the</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-opportunity-to-purchase-or-lease</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fiscal-year</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fixed-rate-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/flood-insurance-rate-map-firm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/follow-up-vacant-property-inspection</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/foreclosure</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/frm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/full-review</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fully-amortized-mortgage-a-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fully-amortizing-arm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/functional-depreciation-obsolescence</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fy-properties-located-in-areas-designated</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gage-an-adjustable-rate-mortgage-arm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gage-arm-can-increase-or-decrease</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/general-liability-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/good-faith-estimate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/good-faith-estimate-a-form-required</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gross-living-area-gla</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gse</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/guaranty-fee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gut-rehabilitation-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-borrower</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-for-purchase</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-traditional</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hhazard-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/higher-priced-mortgage-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoepa</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/holder</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-disposition-option</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-combined-loan-to-value-ratio-hcltv</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-conversion-mortgage-hecm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-inspection</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-purchase-price</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-association-hoa</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homes-that-are-not-permanently-affixed</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-development-experience</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-expense-ratio</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-review-and-approval-process-hrap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-1</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-approved-nonprofit</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/i-income-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/identity-of-interest</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/idr</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/inclusionary-zoning</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/income-and-resale-price-restrictions</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/income-approach-to-value</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/increasing-market</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/index</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/index-disclosed-to-the-borrower</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/indian-land</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/indian-tribe</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-retirement-account-ira-401-k-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/inflation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-adjustment-cap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/inquiry</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/institutional-lender</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/instrumentality-of-government</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-accrual-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-cap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-ceiling</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-change-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-change-interval</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-floor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-shortfall</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-only-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interested-party-contribution</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investing-mortgagee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investor-buyer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investor-purchased-mortgage-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issue-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issue-date-principal-balance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/issued-by-a-credit-reporting-company</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/last-action-taken</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/last-paid-installment-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charge</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lationship-between-the-loan-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/leasehold-interest</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/legal-documents-in-the-appropriate-pub</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-provides-a-prospective-borrower</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-purchased-mortgage-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lenders-title-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liabilities</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liabilities-a-persons-debts-and-other</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lien</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lifetime-adjustment-cap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/limited-cash-out-refinance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/listing-agreement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/listing-broker</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/litigation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-condominium-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-unit</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/living-trust</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/llc</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-applicable-to-title-i-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-deferment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-delivery</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-origination-the-process-by-which</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-sample-risk-assessment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loans-from-institutions-that-lend-directly</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/look-back-period</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-home-retention-option</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/low-down-payment-feature-a-feature</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ltv</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/make-whole-payment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/management-agreement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/management-escalation-process</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mandatory-obligations-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-i</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-condominium-project-mhcp</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-housing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/margin-a-percentage-added-to-the-index</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-area</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-value</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/master-servicer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/material-finding</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maximum-claim-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maximum-property-preservation-allowance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mbs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mbs-express-pool</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mbs-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mbs-pool</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/merged-credit-report</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mers</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mi</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/military-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-bid</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-borrower-contribution</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-coupon-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-decision-credit-score-mdcs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-required-investment-mri</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-transfer-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mitigated-finding</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/modification</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-expenses</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-operating-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-payment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-payments-increase-according</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-amount-eligible-for-purchase</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-charge</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-closing-checklist</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-closing-costs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance-mi</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance-premium-mip-cancellation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-interest-rate-ceiling</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-lender</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-note</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-on-indian-land</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-refinance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-servicer-servicer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-the-institution-or-individual</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgages-key-terms</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multi-property-auction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multi-seller-auction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multi-width-manufactured-home</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multifamily-mortgage-a-mortgage-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multiple-listing-service-mls</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/multiple-pool-transaction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/n-toolkit-pdf</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/national-real-estate-auction-committee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ncltn</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-cash-flow</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-monthly-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-mortgage-ceiling</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-mortgage-interest-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-note-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-sale-proceeds</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/new-construction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/newly-converted-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nis</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nnegative-amortization</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/no-sale-fee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-gut-rehabilitation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupant-borrower</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupying-borrower-transaction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-traditional-mortgage-credit-report-ntmcr</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nonsupervised-mortgagee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nontaxable-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/note-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-deficiency-nod</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-intent-to-prepay</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-material-event</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/obligor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupied-conveyance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ofac</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/on-site-auction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/onsite-sewage-disposal-system</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ooffer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/operating-expenses</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/opment-hud-that-insures-mortgages</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/original-issue-settlement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/original-principal-balance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/origination-fee-a-fee-paid-to-a-lender</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/outside-of-the-waterfall-loan-modification</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/overhead-electric-power-transmission-lines</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-financing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-financing-a-transaction-in</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-borrower</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-buyer</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupied-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/p-partial-payment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pace-financing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/par</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/part-time-employment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-claim</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-prepayment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partially-below-grade-habitable-space</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/participation-certificate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/participation-interest</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/particular-area-whose-principal-purpose</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payee-code</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-cap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-change-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pensates-for-physical-property-damage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pension</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/periodic-review</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/permanently-affixed-thereto-including</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pers</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/personal-property-any-property-that-is</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/personal-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/physical-depreciation-deterioration</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/piti</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pitia</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/planned-unit-development-pud-a</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/planned-unit-development-pud</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pmi</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/point</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pool-accrual-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pool-issue-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pool-purchase-transaction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/portfolio-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/positive-rental-payment-history</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/power-of-attorney</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-approval-letter</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-conveyance-inspection</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sale-pfs-approval-to-participate-atp</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sales-pfs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-qualification-letter</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/preceding-the-purchase-of-the-security</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/premium-pricing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-in-full</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-penalty</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/primary-obligor</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-distribution-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-mortgage-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-savings-club</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/promissory-note</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-flipping</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-preservation-and-protection-p-p</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-taxes</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-value</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-would-be-transferred-between</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/proprietary-lease</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prospective-home-buyer-may-be-eligible</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-money-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-money-transaction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchasing-mortgage-holder</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qqualifying-guidelines</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-written-request-qwr</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualifying-attributes-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualifying-ratios</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-a-system-of-safeguards</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-plan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rapid-payment-method-rpm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ratified-sales-contract-a-contract</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-owned</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-owned-reo</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-professional</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recognition-agreement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reconveyance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recording</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reduce-the-borrowers-monthly-payments</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/refinance-transaction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/regular-servicing-option</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/regularly-amortizing-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remaining-term-the-original-number</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remaining-term</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remittance-type</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remote-observation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/replacement-cost</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reprints</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repurchase-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rescission</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reserve</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reserve-auction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report-rmcr</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residual-income-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/responsible-party</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retail-origination</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retirement-income</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reverse-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revitalization-area</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-first-refusal-a-provision-in</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-rescission</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ron-system</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rpm</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/s-securities</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-manager</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-leaseback-a-transaction-in-which</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/same-month-pooling</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sanction</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sealed-bid</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seasonal-employment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/securities-financial-forms-that-shows</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-interest</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-financing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-take-back</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-take-back-an-agreement-in</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/selling-mortgage-holder</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/semi-annual-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-compensation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-file</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-marketplace</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-statement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sfc</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sfha</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/shared-appreciation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sale</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/show-that-youre-committed-to-buying</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sifma</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/significant-defect</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/significant-interest-rate-buydown</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/simple-refinance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-family-properties</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-unit-approval</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/soft-second-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-energy-system</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-forbearance-sfb-unemployment-option</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standalone-loan-modification</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs-option</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/station-pcs-orders</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/structure</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/structured-transactions</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subject-to-confirmation</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subordination-agreement-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subprime-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subservicing-arrangement</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surchargeable-damage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surplus-land</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/survey</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sweat-equity-a-borrowers-contribution</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sweat-equity</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/swing-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/systematically-exchange-information</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tax-return</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/technology-open-to-approved-lenders-total</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/temporary-interest-rate-buydown</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case-phase</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/third-party-originator-tpo</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tier-ranking-system-trs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tiered-pricing</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tila</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tion</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-ii-mortgagee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-search</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-service-fees</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-floor-area</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-interest-percentage-tip</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-loan-amount</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trade-equity</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trade-in-of-manufactured-home</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/traditional-appraisal</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date-applicable-to-hecms-only</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-tax</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferee-servicing-mortgagee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferor-servicing-mortgagee</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/treasury-index</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/treasury-index-an-index-that-is-used</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tri-merged-credit-report-trmcr</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trial-payment-plan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trustees-sale</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/truth-in-lending-act-tila</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ttaxes-and-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/two-to-four-family-property</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/two-to-four-unit-condominium-project</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ucc</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ueta</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unaudited-regulatory-report</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/understand-your-loan-options-cfpb-gov-owning-a-home-loan-options-anchor-loan-typ</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/underwriting-documents</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uniform-mortgage-backed-security-umbs</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unit-mortgage</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unresolved-finding</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unsecured-loan-a-loan-that-is-not</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unsecured-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/upset-price</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/usda-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uspap</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uunderwriting</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-guaranteed-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-guaranteed-loan-a-mortgage-loan</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/vacation-home</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value-acceptance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/variance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/voluntary-conveyance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/walls-in-insurance</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/warranties</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/weighted-average-pool-accrual-rate</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/withdrawal</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/work-item</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/yield</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/yield-difference-or-interest-rate-differential</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/yield-differential-adjustment</loc>
<lastmod>2026-08-01T06:41:06.726Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-happens-if-i-am-60-days-late</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-is-a-notice-of-default</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california/los-angeles</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida/miami-dade</loc>
<lastmod>2026-08-01T06:41:06.727Z</lastmod>
</url>
</urlset>
