<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>https://short-sale.com</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/about</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/about/team</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/sources</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/editorial-policy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/review-process</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/corrections</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/consumer-protection</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ai-policy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/advertising-disclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/contact</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/privacy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/terms</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/documents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/foreclosure-overview</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/options-and-relief</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/short-sale-basics</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/60-days-late</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/avoiding-scams-and-high-pressure-sales</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/deficiency-and-taxes-overview</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/foreclosure-timeline-101</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/hardship-documentation-basics</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/how-short-sales-work</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/loan-modification-vs-short-sale</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/preparing-to-list</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/relocation-assistance-basics</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/what-is-a-short-sale</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/learn/working-with-your-servicer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/0-9</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/a</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/b</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/c</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/d</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/e</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/f</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/g</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/h</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/i</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/j</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/l</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/m</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/n</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/o</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/p</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/q</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/r</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/s</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/t</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/u</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/v</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/letter/w</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pcs-orders</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/30-day-account</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/30-day-advance-prepayment-notice-period</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/5-1-adjustable-rate-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/562-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/564-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/566-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/568-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/570-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/572-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/574-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/576-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/578-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/580-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/582-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/584-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/586-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/588-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/590-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/592-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/594-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/596-chapter-twenty-seven</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/9</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/90-day-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/aafb-area-approved-for-business</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ability-to-repay-rule</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/acceptable-conveyance-condition</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/accessory-dwelling-unit-adu</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ach-automated-clearing-house</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/acquisition-cost</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/act</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/active-duty</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/activity</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/adequate-vehicular-access</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/adjoining-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/adjustable-rate-mortgage-arm</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/adjusted-value-not-for-203-k-mortgages</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/advertising-device</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/af-account-in-foreclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/affiliate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ahp-affordable-housing-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/am-asset-management</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/amortization</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/amount-financed</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/amount</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/annual-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/annual-percentage-rate-apr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/another-person</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/another</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/appraisal-conditions</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/appraisal-fee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/appraisal-texts</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/appraiser</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/approved-condominium-project</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/approved-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/appurtenance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/apz-accident-potential-zone</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/arms-length-pre-foreclosure-sale-pfs-transaction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/arms-length-transaction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/articles-of-organization</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/as-plaintiff</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assemblage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assignment-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/atp-approval-to-participate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/authoritative-copy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/authorized-third-party</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/avm-automated-valuation-model</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/balloon-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/base-loan-amount</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/basis-point-bps</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bi-weekly-payment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/boarder</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrowed</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-applicable-to-servicing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-applicable-to-title-i</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-affordability-attestation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrowers-advance-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bracketing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/broom-swept-condition</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/building-site</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/business-enterprise-or-opportunity</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/business-form-principal-owners</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/business-formation-documents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/business</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/called-a-stock-cooperative</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-for-keys</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-on-hand</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cbrs-coastal-barrier-resources-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/certification-period</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cfo-chief-financial-officer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cfr-code-of-federal-regulations</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/change-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/change-request</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/charge-off-account</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattel-applicable-to-title-i-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/child-support</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cihd-common-interest-housing-development</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cings</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/circumstances</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/claims-without-conveyance-of-title-cwcot</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-agent</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-date-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-disclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/co-signer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/codes</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combination-inspector-ci</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combination-loan-modification-and-partial-claim</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-loan-to-value-cltv</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commercial-nonresidential-financial-independence</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commercial-nonresidential-space</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commission-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commission</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commissioners-adjusted-fair-market-value-cafmv</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-elements</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-interest-housing-development-cihd</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/community-water-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/compensating-factors-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-condominium-project</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-loss-mitigation-request</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-nonprofit-application</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/completed-less-than-one-year-from-the-date-of-the-issuance-of-the-certificate-of</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/compound-interest</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conditional-direct-endorsement-lender-review-and-approval-process-delrap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-association</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-project</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-project-approval</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/confession</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/confidence</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conformed-copy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/construction-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/construction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency-reserve</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract-execution-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contributory-value</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/control-of-the-condominium-association</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conventional-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conversion</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/coo-chief-operating-officer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corner-lot</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corporate-officer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-estimate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cpl-closing-protection-letter</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-report</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-score</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-qualifying-loans</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/current-index-figure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dasp-distressed-asset-stabilization-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/data-plate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/date-of-conversion</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/days</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/de536a4b234</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dealer-applicable-to-title-i-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dealership</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt-ratio</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dec-departmental-enforcement-center</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decision-credit-score</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decision</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-dil-of-foreclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deeds</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/default</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deferral-period-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/degree-fahrenheit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delinquent</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/demand-feature</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/detached-condominium-housing-project-dchp</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dil-deed-in-lieu</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/direct-endorsement-lender-review-and-approval-process-delrap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date-applicable-to-claims-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/discount-points</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disputed-derogatory-credit-account</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dod-department-of-defense</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-programs-or-grants</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/downwards</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dwelling-unit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-default-intervention-tools</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-payment-defaults</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-start-letter</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/earnest-money</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/earths-surface</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-event</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eem-energy-efficient-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-income-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/electronic-appraisal-delivery-ead</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eligible-contractor</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-housing-subsidy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employment-authorization-document</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employment-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/emt-emergency-medical-technician</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/encroachment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/engagement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/epm-exit-premium-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equivalent-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escrow</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excess-land</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excluded-parties</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-construction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-less-than-one-year</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/expected-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/expenses-directly</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/extenuating-circumstances-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/externalities</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/family-member</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/faq-frequently-asked-questions</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fcra-fair-credit-reporting-act</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-banking-agencies</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-debt</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-tax-debt</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee-simple</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-federal-housing-administration</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-funding-fee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-insurance-concentration</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-mortgage-limits</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fhlb-federal-home-loan-bank</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fidelity-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/final-reconciliation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/finance-charge</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-controls-applicable-to-condominiums-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-distress-event</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-stability</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/finding</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-home-buyers-fthb-loan-programs</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-homebuyer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-vacant-ftv-property-inspection</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/flood-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fmv-fair-market-value</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/follow-up-vacant-property-inspection</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forbearance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forbearance-plans</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/force-placed-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/foreclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/future</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gaas-generally-accepted-auditing-standards</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/getting</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gla-gross-living-area</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-563</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-565</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-567</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-569</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-571</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-573</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-575</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-577</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-579</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-581</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-583</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-585</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-587</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-589</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-591</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-593</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/glossary-595</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/good-faith-estimate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-recording-charges</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/governmental-entity</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grantors-ownership</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grass-cuts</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grm-gross-rent-multiplier</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gross-living-area-gla</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grossing-up</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ground-rent</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gut-rehabilitation-gut-rehab</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/h4h-hope-for-homeowners</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hamp-home-affordable-modification-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hazard-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hazardous</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-borrower</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-for-purchase</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-traditional</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-to-hecm-refinance-hecm-refinance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/higher-priced-mortgage-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoa-dues</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoc-homeownership-center</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/holder</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-disposition-option</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-conversion-mortgage-hecm</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-line-of-credit-heloc</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-inspection</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-purchase-price</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-association-hoa-condominium-assessment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-development-experience</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-obligation-mortgage-payment-loan-payment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-certification-label</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-real-estate-owned-reo-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-review-and-approval-process-hrap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-1-settlement-statement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-approved-nonprofit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/id-identification</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/identity-of-interest</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/imminent-default</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/improvements</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/increasing-market</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/index</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/indian-tribe</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-owner-concentration</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-property-files</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-retirement-account-ira-401-k-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-water-supply-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/infrastructure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-adjustment-cap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-escrow-deposit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment-due-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment-loans</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/instrument</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/instrumentality-of-government</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/insured-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-and-secured-party</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-cap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interested-parties</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interested-party-contribution</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/invested</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investing-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investor-buyer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/irc-internal-revenue-code</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/itself</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/jumbo-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-subsidence</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-use-restriction-addendum-lura</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/large-supervised-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/last-action-taken</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/le-life-expectancy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/leasehold</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/legal-phases</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-electronic-assessment-portal-leap</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-insurance-li-compare-ratio</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liability-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/libor-london-interbank-offered-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/litigation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-unit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/living-trust-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-administration</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-applicant</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-deferment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-estimate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-modification</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-sample-risk-assessment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-to-value-ltv</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-to-value-ratio</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/local-distribution-lines</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lomr-letter-of-map-revision</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-home-retention-option</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-option</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ltv-loan-to-value</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/m-m-management-and-marketing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maintenance-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mandatory-obligations-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-i</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-ii</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-condominium-project-mhcp</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-housing-applicable-to-condominiums</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/margin</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/material-finding</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mdcs-minimum-decision-credit-score</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mhcp-manufactured-home-condominium-project</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/military-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-cash-investment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-monthly-principal-reduction-minimum-mopr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-property-requirements-mpr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mip-mortgage-insurance-premium</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mitigated-finding</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mitigation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mls-multiple-listing-service</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/modular-housing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-expenses</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-principal-reduction-mopr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-charge-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-closing-costs</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-current-and-must-only-include</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-holder</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance-premium-mip-cancellation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-lien</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-on-indian-land</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-payment-reserve</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-refinance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-servicer-servicer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-term</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-neglect</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-funded-cure-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgages-key-terms</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mri-minimum-required-investment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/n-toolkit-pdf</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nbs-non-borrowing-spouse</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-sale-proceeds</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-self-sufficiency-rental-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/new-construction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nfip-national-flood-insurance-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nod-notice-of-deficiency</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-borrowing-owner-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-gut-rehabilitation-non-gut-rehab</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-monetary-default</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupant-borrower</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupant-borrowers</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupying-borrower-transaction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-surchargeable-damage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-traditional-mortgage-credit-report-ntmcr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nonprofit-instrumentality-of-government-npiog</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nonsupervised-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nontaxable-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/note</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/note-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notes-receivable-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-deficiency-nod</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-intent-to-prepay</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/npdms-nonprofit-data-management-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/npl-net-principal-limit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nsp-neighborhood-stabilization-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupancy-follow-up</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupancy-inspection</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupied-conveyance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/oig-office-of-inspector-general</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/onset-of-an-economic-event</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/onsite-sewage-disposal-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/opinion</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/origination-fee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/others</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/oui-oldest-unpaid-installment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/outside-doors</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/outside-of-the-waterfall-loan-modification</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/overhead-electric-power-transmission-lines</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupancy-percentage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-borrower</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-buyer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/p-l-profit-and-loss</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pace-property-assessed-clean-energy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pace-financing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/packages</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/part-time-employment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-claim</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-payment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-prepayment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partially-below-grade-habitable-space</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/participating-agency-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/patronage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-account</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-documents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-period</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff-amount</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff-disclosure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pdf-portable-document-format</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pension</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/periodic-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/permanent-home-retention-options</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/personal-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/petr-post-endorsement-technical-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/phasing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/phasing-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pin-personal-identification-number</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/piti</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/planned-unit-development-pud</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pmi</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/poc-paid-outside-closing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/policy</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/positive-rental-payment-history</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/possession</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/post-action-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sale-pfs-approval-to-participate-atp</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sales-pfs</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/premium-pricing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-in-full</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-penalty</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pressure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/primary-obligor</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-limit-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-officer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-owner</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-savings-club</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/procuring-cause</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-charges-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-preservation-and-protection-p-p</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-value</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-etc</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/proposed-construction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/psa-participating-servicer-agreement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/public-assistance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchasing-mortgage-holder</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qm-qualified-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-written-request-qwr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-plan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-program</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rate-and-term</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/re-default</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-see-real-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recertification-review</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recorded-documents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recovery-from-an-economic-event</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/referred-to-as-reconciliation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remote-observation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-for-transient-or-hotel-purposes</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repair-set-aside-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan-applicable-to-servicing-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/represents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reserves</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report-rmcr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-properties</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-real-estate-related-transactions</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-space</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residual-income-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/resolution-of-financial-distress-event</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/restraints</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retirement-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reverse-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revitalization-area</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revolving-charge-accounts</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-rescission</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/riparian-owners</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rule</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/running-gear</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sab-subsidy-accounting-branch</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-price</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-concessions</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract-for-statutory-definition</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/salespersons</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sanction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seasonal-employment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/second-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/secondary-residence</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-interest</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/self-employment-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-financing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-to-buyer-under-conditions-whereby</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-lessor</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/selling-mortgage-holder</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/semi-annual-rate</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicer</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-file</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/set-aside-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-statement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/shared-appreciation-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sale</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sales</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/simple-refinance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-family</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/site-condominium</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/site</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/slush-pit</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/small-supervised-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/so</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/social-security-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/soil-contamination</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-energy-system</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-forbearance-sfb-unemployment-option</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-forbearance-sfb-unemployment-agreement</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standalone-loan-modification</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-deed-in-lieu-dil</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs-option</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/states-code</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamline-refinance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamlined-deed-in-lieu-dil</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/structure</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/student-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subordination-agreement-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subprime-mortgage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/supervised-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/supervising-broker</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surchargeable-damage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surplus-income-percentage</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surplus-land</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surroundings</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/survey</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sweat-equity</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tax-return</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/taxation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/technology-open-to-approved-lenders-total</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case-phase</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/the-loss-mitigation-options-are</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/thing</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/third-party-documents</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/third-party-verification-tpv</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/third-party-originator-tpo</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tier-ranking-system-trs</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tion</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-ii-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-insurance</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/title-service-fees</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-floor-area</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-interest-percentage-tip</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-loan-amount</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-of-payments</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/total-required-investment</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/township-lines</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trade-in-of-manufactured-home</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transaction-underway</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transaction</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date-applicable-to-hecms-only</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferee-servicing-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/transferor-servicing-mortgagee</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tri-merged-credit-report-trmcr</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trial-payment-plan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trid</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trust-clearing-account</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/trust-income</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/two-to-four-unit-condominium-project</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unaudited-regulatory-report</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/underserved-census-tracts</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/underwriting</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uniform-residential-appraisal-report-urar</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/uniform-residential-loan-application-urla</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unimproved-property-appraisal</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/units-in-arrears</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unresolved-finding</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/va-loan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value-appreciation</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value-thereof</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/valueless</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/values</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/viable-repair-plan</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/work-item</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/work-write-up</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/wronged</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-happens-if-i-am-60-days-late</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-is-a-notice-of-default</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california/los-angeles</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida/miami-dade</loc>
<lastmod>2026-08-20T22:25:17.575Z</lastmod>
</url>
</urlset>
