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	<title>Lori Frankfort, Broker Associate and Exclusive Buyer&#039;s Representative &#187; Legal</title>
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	<link>http://www.californiaisbeautiful.com</link>
	<description>Los Angeles and surrounding Real Estate</description>
	<lastBuildDate>Mon, 14 May 2012 19:26:27 +0000</lastBuildDate>
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		<title>Proposition 60 &amp; Proposition 90 Save Seniors&#8217; Tax Dollars</title>
		<link>http://www.californiaisbeautiful.com/2012/05/08/proposition-60-proposition-90-save-seniors-tax-dollars/</link>
		<comments>http://www.californiaisbeautiful.com/2012/05/08/proposition-60-proposition-90-save-seniors-tax-dollars/#comments</comments>
		<pubDate>Tue, 08 May 2012 18:06:33 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Prop 60]]></category>
		<category><![CDATA[Prop 90]]></category>
		<category><![CDATA[real estate tax]]></category>
		<category><![CDATA[senior real estate tax]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=1016</guid>
		<description><![CDATA[Propositions 60 &#38; 90 are Constitutional initiatives that allow a Senior (aged 55 years or older) to sell their house and take their current tax assessment with them.  They must purchase a qualifying home in the same county (or a participating county), and the purchase price must be equal to or less than their current ...]]></description>
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		<title>Los Angeles City Sidewalks &#8211; Repaired at Homeowner&#8217;s Expense?</title>
		<link>http://www.californiaisbeautiful.com/2012/03/07/los-angeles-city-sidewalks-repaired-at-homeowners-expense/</link>
		<comments>http://www.californiaisbeautiful.com/2012/03/07/los-angeles-city-sidewalks-repaired-at-homeowners-expense/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 19:01:26 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[House Maintenance]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Permits Liens and Lawsuits Oh My!]]></category>
		<category><![CDATA[city of los angeles]]></category>
		<category><![CDATA[city sidewalks]]></category>
		<category><![CDATA[l.a. sidewalk ordinance]]></category>
		<category><![CDATA[los angeles sidewalks]]></category>
		<category><![CDATA[pay for city sidewalks]]></category>
		<category><![CDATA[pay for sidewalks]]></category>
		<category><![CDATA[sidewalk repairs]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=909</guid>
		<description><![CDATA[Article Courtesy of lapublicfrontage.org What&#8217;s at Issue with Los Angeles City Sidewalk Proposal? Currently, the City of Los Angeles is responsible for the repair of broken sidewalks in Los Angeles that are damaged due to tree roots. However, the City has been exploring options to switch this responsibility to the home owner. Some of the ...]]></description>
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		<item>
		<title>The Fed on Fixing the Housing Market</title>
		<link>http://www.californiaisbeautiful.com/2012/02/27/the-fed-on-fixing-the-housing-market/</link>
		<comments>http://www.californiaisbeautiful.com/2012/02/27/the-fed-on-fixing-the-housing-market/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 18:42:01 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Bernanke]]></category>
		<category><![CDATA[deed-in-lieu]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[monetary policy]]></category>
		<category><![CDATA[PMI]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[REO]]></category>
		<category><![CDATA[The Fed]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=764</guid>
		<description><![CDATA[Article Courtesy of The Mortgage Professor February 18, 2012 In an important break from prior practice, Chairman Bernanke early in January delivered a staff document to both houses of Congress that called for important changes in housing policy. The major theme was that “continued weakness in the housing market poses a significant barrier to a ...]]></description>
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		<title>California Attorney General Returns to Robo-Talks</title>
		<link>http://www.californiaisbeautiful.com/2012/02/07/california-attorney-general-returns-to-robo-talks/</link>
		<comments>http://www.californiaisbeautiful.com/2012/02/07/california-attorney-general-returns-to-robo-talks/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 17:47:35 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[ally financial robo-signing]]></category>
		<category><![CDATA[b of a robo-signing]]></category>
		<category><![CDATA[bank of america robo-signing]]></category>
		<category><![CDATA[california attorney general]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[chase robo-signing]]></category>
		<category><![CDATA[citigroup robo-signing]]></category>
		<category><![CDATA[robo-signing]]></category>
		<category><![CDATA[wells fargo robo-signing]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=716</guid>
		<description><![CDATA[Article Courtesy of NationalMortgageNews.com February 7, 2012  The California Attorney General has returned to the &#8216;robo-signing&#8217; talks after a four-month absence to possibly take part in a multi-state settlement with the nation&#8217;s largest residential servicers, according to combined press reports early Monday morning. The New York Times reported that California&#8217;s addition to the negotiations could ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Economic Update, Week Ending January 30, 2012</title>
		<link>http://www.californiaisbeautiful.com/2012/01/30/economic-update-week-ending-january-30-2012/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/30/economic-update-week-ending-january-30-2012/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:37:24 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Economic Updates]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[new home sales]]></category>
		<category><![CDATA[pending home sales]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=710</guid>
		<description><![CDATA[Article Courtesy of Marie Richarz, Prospect Mortgage Pending home sales, a forward-looking indicator based on signed contracts, fell 3.5% in December after a 7.3% increase in November. On a year-over-year basis, pending home sales are up 5.6%. The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending January ...]]></description>
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		<title>Fast Facts, January 30, 2012</title>
		<link>http://www.californiaisbeautiful.com/2012/01/30/fast-facts-january-30-2012/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/30/fast-facts-january-30-2012/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:27:30 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[California median home price]]></category>
		<category><![CDATA[California mortgage rates]]></category>
		<category><![CDATA[California pending home sales index]]></category>
		<category><![CDATA[California traditional housing affordability index]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=705</guid>
		<description><![CDATA[Fast Facts Calif. median home price: December 2011: $285,920 (Source: C.A.R.) Calif. highest median home price by region/county December  2011: Marin: $693,880 (Source: C.A.R.) Calif. lowest median home price by region/county December 2011: Madera: $106,000 (Source: C.A.R.) Calif. Pending Home Sales Index: December 2011: 91.6, an increase from the revised 82.5 recorded in December 2010 Calif. Traditional Housing Affordability Index: Third quarter 2011: 52 percent (Source: C.A.R.) Mortgage rates: Week ending ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Study Finds Appraisal Process Inadequately Monitored</title>
		<link>http://www.californiaisbeautiful.com/2012/01/30/study-finds-appraisal-process-inadequately-monitored/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/30/study-finds-appraisal-process-inadequately-monitored/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:22:17 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraisal complaints]]></category>
		<category><![CDATA[Appraisal monitoring]]></category>
		<category><![CDATA[appraisal process]]></category>
		<category><![CDATA[Appraisal review]]></category>
		<category><![CDATA[appraisal wrong]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[fair market value]]></category>
		<category><![CDATA[GAO]]></category>
		<category><![CDATA[Government Accountability Office]]></category>
		<category><![CDATA[low appraisal]]></category>
		<category><![CDATA[market value]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=703</guid>
		<description><![CDATA[Article Courtesy of National Association of Homebuilders January 23, 2012 Zeroing in on yet another deficiency of a faulty appraisal process that is hurting home values, hampering a housing recovery and often killing sales of homes coming in below the contract sales price, the Government Accountability Office (GAO) earlier this month reported that the Appraisal ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Anti-Deficiency Legislation</title>
		<link>http://www.californiaisbeautiful.com/2012/01/26/new-anti-deficiency-legislation/</link>
		<comments>http://www.californiaisbeautiful.com/2012/01/26/new-anti-deficiency-legislation/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 20:28:41 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[anti-deficiency]]></category>
		<category><![CDATA[mortgage deficiency]]></category>
		<category><![CDATA[mortgage upside down]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=699</guid>
		<description><![CDATA[anti-deficiency]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consumer Protection Bureau Opens Mortgage Complaint Hotline</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/consumer-protection-bureau-opens-mortgage-complaint-hotline/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/consumer-protection-bureau-opens-mortgage-complaint-hotline/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:19:01 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[consumer finance protection bureau]]></category>
		<category><![CDATA[consumerfinance.gov]]></category>
		<category><![CDATA[credit card disputes]]></category>
		<category><![CDATA[Dodd-Frank]]></category>
		<category><![CDATA[financial reform legislation]]></category>
		<category><![CDATA[loan modification help]]></category>
		<category><![CDATA[Mortgage bankers association]]></category>
		<category><![CDATA[mortgage problems]]></category>
		<category><![CDATA[mortgage servicer]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=661</guid>
		<description><![CDATA[December 11, 2011 Article Courtesy of latimes.com By Kenneth R. Harney Got a beef with your mortgage lender? Is your bank unresponsive when you complain that your escrow account is fouled up and making your monthly payments needlessly high? Did your loan officer switch you into a more costly home loan than you were promised? ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buyer Representation Agreement</title>
		<link>http://www.californiaisbeautiful.com/2011/11/15/buyer-representation-agreement/</link>
		<comments>http://www.californiaisbeautiful.com/2011/11/15/buyer-representation-agreement/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 20:13:33 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[Buyer's Toolkit]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[accredited buyers representative]]></category>
		<category><![CDATA[agency agreement]]></category>
		<category><![CDATA[buyer representation agreement]]></category>
		<category><![CDATA[buyer's agent]]></category>
		<category><![CDATA[real estate buyers]]></category>
		<category><![CDATA[real estate buyers agency]]></category>
		<category><![CDATA[rebac]]></category>
		<category><![CDATA[rebac.net]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=560</guid>
		<description><![CDATA[Information provided courtesy of Real Estate Buyer&#8217;s Agency Council (rebac.net). Lori Frankfort is an Accredited Buyer&#8217;s Representative (ABR). If you’ve started looking for a home—and a real estate professional to assist you—your buyer’s representative may ask you to sign a Buyer Representation Agreement. What is this form? Why should you sign it? A Buyer Representation ...]]></description>
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