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<loc>https://short-sale.com/glossary/assessed-valuation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assessment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assessor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assignment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assignment-of-rents</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assignor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assumption-fee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/assumption-of-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/atp-approval-to-participate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/authoritative-copy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/authorized-third-party</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/avm-automated-valuation-model</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/b-t-u</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/balloon-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/base-loan-amount</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/basis-point-bps</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bequest</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/betterment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bi-weekly-payment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/binder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/blanket-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/boarder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-applicable-to-servicing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-applicable-to-title-i</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrower-affordability-attestation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/borrowers-advance-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bracketing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/broom-swept-condition</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/building-code</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/building-line</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/building-restrictions</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/building-market-value-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/business-formation-documents</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/buydown</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/buyers-market</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/bylaws</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cal-vet-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cap-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/capital-gain</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/capitalization</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/carryback-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/casement-windows</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-flow</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-for-keys</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-for-keys-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cash-on-hand</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/caveat-emptor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cbrs-coastal-barrier-resources-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cc-rs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ccim</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/certificate-of-eligibility</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/certificate-of-reasonable-value-crv</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/certificate-of-title</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/certification-period</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cfo-chief-financial-officer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cfr-code-of-federal-regulations</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chain</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chain-of-title</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/change-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/change-request</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/change-principle-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/characteristics</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/charge-off-account</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattel-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattel-appraiser-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattel-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattel-real</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/chattels</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/child-support</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cihd-common-interest-housing-development</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/claims-without-conveyance-of-title-cwcot</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-agent</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-date-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/closing-disclosure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/co-signer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/co-signer-or-co-borrower</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combination-inspector-ci</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combination-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combination-loan-modification-and-partial-claim</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-loan-to-value-cltv</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/combined-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commercial-nonresidential-financial-independence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commercial-nonresidential-space</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commission</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commission-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/commissioners-adjusted-fair-market-value-cafmv</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-elements</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-interest-housing-development-cihd</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-interest-subdivision</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-law</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/common-stock</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/community-water-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/compensating-factors-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-condominium-project</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-loss-mitigation-request</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/complete-nonprofit-application</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/compound-interest</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conditional-direct-endorsement-lender-review-and-approval-process-delrap-authori</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-association</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-project</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/condominium-project-approval</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/confession-of-judgment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/confirmation-of-sale</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/confiscation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conformed-copy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conformity-principle-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conservation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/consideration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/constant</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/construction-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/constructive-fraud</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/constructive-notice</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contiguous</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contingency-reserve</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contour</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract-execution-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contract-of-insurance-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/contributory-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/control-of-the-condominium-association</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conventional-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conversion</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/conveyance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/coo-chief-operating-officer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cooperative-apartment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corner-influence-table</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corporate-officer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corporation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/corporeal-rights</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/correction-lines</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-approach</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cost-estimate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cotenancy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/counter-offer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/covenant</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cpl-closing-protection-letter</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/cre</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-report</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-score</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/credit-qualifying-loans</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/curable-depreciation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/current-index</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/current-index-figure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dasp-distressed-asset-stabilization-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/data-plate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/date-of-conversion</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/days</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dealer-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dealer-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debt-ratio</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/debtor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dec-departmental-enforcement-center</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decision-credit-score</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/declining-balance-depreciation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/decree-of-foreclosure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dedication</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-of-trust</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-dil-of-foreclosure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-dil-of-foreclosure-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deed-in-lieu-dil-of-foreclosure-applicable-to-servicing-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/default</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/deferral-period-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delinquent</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/delrap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/demand-feature</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/depth-table</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/detached-condominium-housing-project-dchp</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dil-deed-in-lieu</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/direct-endorsement-lender-review-and-approval-process-delrap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/direct-endorsement-lender-review-and-approval-process-delrap-test-case-phase</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/direct-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/directional-growth</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disbursement-date-applicable-to-claims-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/discount</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/discount-points</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/disputed-derogatory-credit-account</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dod-department-of-defense</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/down-payment-programs-or-grants</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/due-and-payable-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/due-and-payable-date-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/due-on-sale-clause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/duress</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/dwelling-unit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-default-intervention-tools</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-payment-defaults</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/early-start-letter</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/earnest-money</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/easement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-event</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-life</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-obsolescence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/economic-rent</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eem-energy-efficient-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-age-of-improvement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-date-of-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-income-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/effective-interest-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/electronic-appraisal-delivery-ead</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eligible-contractor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eligible-non-borrowing-spouse-nbs-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/emblements</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eminent-domain</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-assistance-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employer-housing-subsidy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employment-authorization-document</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/employment-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/emt-emergency-medical-technician</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/encroachment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/epm-exit-premium-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equity-participation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/equivalent-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/erosion</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escalation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escalator-clause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/escrow</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estate-for-life</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estate-from-period-to-period</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estate-of-inheritance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estimated-remaining-life</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/estoppel</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/et-ux</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ethics</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/evars-extensions-and-variances-automated-requests-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/eviction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/exceptions</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excess-land</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/excluded-parties</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/exclusion</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/exclusive-agency-listing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/exclusive-right-to-sell-listing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/execute</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/executed-special-forbearance-sfb-unemployment-agreement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-construction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-construction-for-manufactured-housing-applicable-to-title-ii-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-less-than-one-year</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/existing-manufactured-home-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/expected-average-mortgage-interest-rate-expected-rate-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/expected-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/extenuating-circumstances-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/externalities</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/family-member</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fannie-mae</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/faq-frequently-asked-questions</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fcra-fair-credit-reporting-act</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-banking-agencies</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-debt</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-reserve-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/federal-tax-debt</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee-simple</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee-simple-defeasible</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fee-simple-estate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/feudal-tenure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-federal-housing-administration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-funding-fee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-insurance-concentration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-lender-id-fha-lender-identification-number</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fha-mortgage-limits</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fhlb-federal-home-loan-bank</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fidelity-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/filtering</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/final-reconciliation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/finance-charge</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-controls-applicable-to-condominiums-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-distress-event</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-intermediary</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financial-stability</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/financing-process</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/finding</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-trust-deed</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-home-buyers-fthb-loan-programs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-homebuyer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/first-time-vacant-ftv-property-inspection</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fiscal-controls</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fiscal-year</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fixed-rate-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fixity-of-location</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fixtures</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/flood-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fmv-fair-market-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/follow-up-vacant-property-inspection</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forbearance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forbearance-applicable-to-servicing-of-forward-mortgages-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forbearance-plans</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/force-placed-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/foreclosure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/forfeiture</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/franchise</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fraud</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/frauds-statute-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/freddie-mac</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/freehold-estate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/frostline</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/fully-indexed-note-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/functional-obsolescence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/future-benefits</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gaas-generally-accepted-auditing-standards</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gable-roof</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gain</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gambrel-roof</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/general-lien</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gift-deed</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gifts-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gla-gross-living-area</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/good-faith-estimate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/goodwill</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-national-mortgage-association</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-recording-charges</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/government-survey</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/governmental-entity</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grade</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/graduated-payment-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grant-deed</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grantee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grantor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grass-cuts</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gratuitous-agent</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grid</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grm-gross-rent-multiplier</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gross-living-area-gla</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gross-margin</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/grossing-up</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ground-rent</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/gut-rehabilitation-gut-rehab</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/h4h-hope-for-homeowners</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hamp-home-affordable-modification-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hazard-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/health-care-facility-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-borrower</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-for-purchase</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-traditional</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hecm-to-hecm-refinance-hecm-refinance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/heloc-home-equity-line-of-credit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hermit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/higher-priced-mortgage-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hip-roof</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/historic-preservation-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoa-dues</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hoc-homeownership-center</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/holder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-disposition-option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-conversion-mortgage-hecm</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-line-of-credit-heloc</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-equity-reverse-mortgage-information-technology-hermit-system-applicable-to</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-inspection</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/home-purchase-price</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-association-hoa</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-association-hoa-condominium-assessment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/homeowners-association-hoa-condominium-fees</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-development-experience</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/housing-obligation-mortgage-payment-loan-payment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hrap-hud-review-and-approval-process</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-certification-label</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-real-estate-owned-reo-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-review-and-approval-process-hrap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-1-settlement-statement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hud-approved-nonprofit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/hurra-housing-and-urban-rural-recovery-act</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/id-identification</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/identity-of-interest</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/imminent-default</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/imperative-necessity</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/impounds</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/income-capitalization-approach</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/increasing-market</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/increment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/index</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/indian-tribe</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-owner-concentration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-property-files</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-retirement-account-ira-401-k-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/individual-water-supply-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ineligible-non-borrowing-spouse-nbs-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/infrastructure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-adjustment-cap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-disbursement-limit-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-escrow-deposit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-note-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/initial-payment-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment-due-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/installment-loans</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/instrument</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/instrumentality-of-government</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/insured-hud-real-estate-owned-reo-property-purchase</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-extra-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-only-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interest-rate-cap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interested-parties</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interested-party-contribution</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/interim-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investing-mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investment-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/investor-buyer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/irc-internal-revenue-code</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/judgment-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/jumbo-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-and-improvement-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-subsidence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/land-use-restriction-addendum-lura</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/landlord</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/large-supervised-mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/last-action-taken</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charge</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/late-charges-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/later-date-order</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lateral-support</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/le-life-expectancy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lease</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/leasehold</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/legal-phases</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-electronic-assessment-portal-leap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lender-insurance-li-compare-ratio</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/levy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liability-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/libor-london-interbank-offered-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lien</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/life-estate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/life-expectancy-set-aside-lesa-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/life-of-loan-cap-cap-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lifetime-adjustment-cap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/limitations-statute-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/liquidated-damages-clause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/litigation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-condominium-project</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/live-work-unit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/living-trust-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-administration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-application</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-assumption</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-closing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-deferment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-estimate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-modification</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-sample-risk-assessment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-to-value-ltv</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loan-to-value-ratio</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/local-distribution-lines</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/lomr-letter-of-map-revision</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-home-retention-option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/loss-mitigation-option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/low-to-moderate-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ltv-loan-to-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/m-m-management-and-marketing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maintenance-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mandatory-obligations-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-i</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-applicable-to-title-ii</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-condominium-project-mhcp</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-home-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufactured-housing-applicable-to-condominiums</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/manufacturers-invoice-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/margin</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-data-approach</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-price</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/market-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/marketable-title</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/material-fact</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/material-finding</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maturity-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/maximum-claim-amount-mca-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mdcs-minimum-decision-credit-score</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mediation-clause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/metes-and-bounds</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mhcp-manufactured-home-condominium-project</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mile</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/military-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-cash-investment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-monthly-principal-reduction-minimum-mopr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minimum-property-requirements-mpr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/minor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mip-mortgage-insurance-premium</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/misplaced-improvements</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/misrepresentation</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mitigated-finding</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mls-multiple-listing-service</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mobilehome</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/modular-housing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/moldings</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monetary-controls</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-expenses</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monthly-principal-reduction-mopr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/monument</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/moratorium</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-charge-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-closing-checklist</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-closing-costs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-guaranty-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-holder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-insurance-premium-mip-cancellation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-investment-company</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-loan-disclosure-statement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-loan-modification</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-on-indian-land</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-payment-reserve</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-refinance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-servicer-servicer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgage-term</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-neglect</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgagee-funded-cure-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mortgages-delinquent-within-the-first-two-years</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/mri-minimum-required-investment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/narrative-appraisal</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nbs-non-borrowing-spouse</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/negative-amortization</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/negotiable</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-lease</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-listing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-principal-limit-npl-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-sale-proceeds</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/net-self-sufficiency-rental-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/new-construction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/new-construction-for-manufactured-housing-applicable-to-title-ii-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/new-manufactured-home-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nfip-national-flood-insurance-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nhop-nehemiah-housing-opportunity-grants-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nod-notice-of-deficiency</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nominal-interest-rates</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-borrowing-owner-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-borrowing-spouse-nbs-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-borrowing-spouse-debt</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-gut-rehabilitation-non-gut-rehab</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-monetary-default</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupant-borrower</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-occupying-borrower-transaction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-surchargeable-damage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/non-traditional-mortgage-credit-report-ntmcr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nonprofit-instrumentality-of-government-npiog</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nonsupervised-mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nontaxable-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/note</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/note-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notes-receivable-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-deficiency-nod</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/notice-of-intent-to-prepay</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/npdms-nonprofit-data-management-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/npl-net-principal-limit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/nsp-neighborhood-stabilization-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupancy-follow-up</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupancy-inspection</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/occupied-conveyance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/oig-office-of-inspector-general</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/onset-of-an-economic-event</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/onsite-sewage-disposal-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/oral-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/orientation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/origination-fee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/ostensible-authority</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/oui-oldest-unpaid-installment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/outside-of-the-waterfall-loan-modification</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/overhead-electric-power-transmission-lines</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/overimprovement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owl</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupancy-percentage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-borrower</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owner-occupant-buyer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/owners-title-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/p-l-profit-and-loss</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pace-property-assessed-clean-energy</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pace-financing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/part-time-employment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-claim</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-payment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partial-prepayment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/partially-below-grade-habitable-space</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/participating-agency-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-adjustment-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-cap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-account</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-documents</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payment-supplement-period</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff-amount</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/payoff-disclosure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pdf-portable-document-format</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pension</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/perimeter-heating</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/periodic-interest-rate-cap</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/periodic-review</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/permanent-home-retention-options</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/personal-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/petr-post-endorsement-technical-review</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/phasing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/phasing-review</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/physical-deterioration</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pin-personal-identification-number</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/piti</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/plaintiff</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/planned-development</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/planned-unit-development-pud</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pledge</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pledgee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pledgor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/plottage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/plottage-increment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pmi</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/poc-paid-outside-closing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/points</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/police-power</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/positive-rental-payment-history</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/post-action-review</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/power-of-attorney</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/power-of-sale</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-conveyance-inspection</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sale-pfs-approval-to-participate-atp</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/pre-foreclosure-sales-pfs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/preferred-stock</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/premium-pricing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepaid-items-of-expense</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-in-full</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prepayment-penalty</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prescription</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/presumption</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prima-facie</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/primary-obligor</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-limit-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-note</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-officer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-owner</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-residence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/principal-residence-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/prior-lien</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/priority-of-lien</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-mortgage-insurance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/private-savings-club</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/privity</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/privity-of-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/procuring-cause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-assessed-clean-energy-pace</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-charge-set-aside-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-charges-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-improvement-loan-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-preservation-and-protection-p-p</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-taxes</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/property-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/proposed-construction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/psa-participating-servicer-agreement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/public-assistance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-and-leaseback</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchase-money-mortgage-or-trust-deed</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/purchasing-mortgage-holder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qm-qualified-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/qualified-written-request-qwr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-plan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-plan-applicable-to-nonprofits-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/quality-control-qc-program</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rate-adjustment-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rate-and-term</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/re-default</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-commission-from-sale-of-subject-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-estate-investment-trust</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property-loan-law</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/real-property-sales-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reasonable-diligence-time-frame</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recapture</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recertification-review</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recorded-documents</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/recovery-from-an-economic-event</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/refinancing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reformation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rehabilitation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/release-clause</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/remote-observation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/renegotiable-rate-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-for-transient-or-hotel-purposes</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rental-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repair-set-aside-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/repayment-plan-applicable-to-servicing-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rescission</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/rescission-of-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reservation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reserves</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-mortgage-credit-report-rmcr</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-real-estate-related-transactions</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residential-space</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/residual-income-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/resolution-of-financial-distress-event</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/respa-real-estate-settlement-procedures-act</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/restriction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retirement-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/retrospective-value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/return</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reverse-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reversion</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/reversionary-interest</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revitalization-area</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revocation</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/revolving-charge-accounts</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-rescission</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/right-of-survivorship</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/risk-analysis</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/risk-rating</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/running-gear</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sab-subsidy-accounting-branch</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-and-leaseback</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sale-leaseback-buy-back</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-concessions</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sales-contract-date</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sanction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sash</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/satisfaction</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/satisfaction-piece</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/scribing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seal</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seasonal-employment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/second-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/secondary-financing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/secondary-market</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/secondary-residence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/security-interest</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/self-employment-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/seller-financing</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sellers-market</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/selling-mortgage-holder</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/semi-annual-rate</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicer</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/servicing-file</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/set-aside-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/settlement-statement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/shared-appreciation-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sale</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/short-sales</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/simple-refinance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-family</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/single-family-dwelling-applicable-to-title-i-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/site-condominium</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/slush-pit</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/small-supervised-mortgagee</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/social-security-income</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/soil-contamination</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-assessment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-energy-system</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-forbearance-sfb-unemployment-option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-forbearance-sfb-unemployment-agreement</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-power-of-attorney</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/special-warranty-deed</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/specific-performance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/srea</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standalone-loan-modification</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-deed-in-lieu-dil</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-depth</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standard-pre-foreclosure-sale-pfs-option</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/standby-commitment</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamline-refinance</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamlined-deed-in-lieu-dil</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamlined-deed-in-lieu-dil-for-servicemembers-with-permanent-change-of-station</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/streamlined-pre-foreclosure-sale-pfs-for-servicemembers-with-permanent-change-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/structure</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/student-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subordination-agreement-applicable-to-hecms-only</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/subprime-mortgage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/substantially-damaged</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/substitution-principle-of</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/sum-of-the-years-digits</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/supervised-mortgagee</loc>
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<url>
<loc>https://short-sale.com/glossary/supply-and-demand-principle-of</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/surchargeable-damage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/surety</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/surplus-income-percentage</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surplus-land</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/surplus-productivity-principle-of</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/survey</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/sweat-equity</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/syndicate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/take-out-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tax</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/tax-deed</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/tax-return</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/technology-open-to-approved-lenders-total</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/termite-shield</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/termites</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/test-case</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/test-case-phase</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/testator</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/third-party</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/third-party-documents</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/third-party-verification-tpv</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/third-party-originator-tpo</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/threshold</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/tidelands</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/tier-ranking-system-trs</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/time-is-of-the-essence</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/time-share-estate</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/time-share-project</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/time-share-use</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/title</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/title-ii-mortgagee</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/title-service-fees</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/torrens-title</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/tort</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/total-floor-area</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/total-interest-percentage-tip</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/total-loan-amount</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/total-of-payments</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/total-required-investment</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/townhouse</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/township</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trade-fixtures</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trade-in</loc>
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<url>
<loc>https://short-sale.com/glossary/trade-in-of-manufactured-home</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transfer-date-applicable-to-hecms-only</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transfer-fee</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transfer-of-control-applicable-to-condominiums-only</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transferee-servicing-mortgagee</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/transferor-servicing-mortgagee</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/tri-merged-credit-report-trmcr</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trial-payment-plan</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trid</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trust-clearing-account</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/trust-income</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/two-to-four-unit-condominium-project</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/unaudited-regulatory-report</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/unconditional-direct-endorsement-lender-review-and-approval-process-delrap-autho</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/underimprovement</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/underserved-census-tracts</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/underwriting</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/undue-influence</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/unearned-increment</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/uniform-commercial-code</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/uniform-residential-appraisal-report-urar</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/uniform-residential-loan-application-urla</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/unimproved-property-appraisal</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/units-in-arrears</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/unresolved-finding</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/usda-loan</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/va-loan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/value</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/viable-repair-plan</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/glossary/voluntary-lien</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/warranty-deed</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/waste</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/water-table</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/wear-and-tear</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/will</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/work-item</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/work-write-up</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/wrap-around-mortgage</loc>
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</url>
<url>
<loc>https://short-sale.com/glossary/zoning</loc>
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</url>
<url>
<loc>https://short-sale.com/ask/what-happens-if-i-am-60-days-late</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/ask/what-is-a-notice-of-default</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/california</loc>
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</url>
<url>
<loc>https://short-sale.com/states/california/los-angeles</loc>
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</url>
<url>
<loc>https://short-sale.com/states/florida</loc>
<lastmod>2026-10-30T21:52:15.601Z</lastmod>
</url>
<url>
<loc>https://short-sale.com/states/florida/miami-dade</loc>
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</url>
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