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	<title>Cynthia&#039;s Corner</title>
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	<link>http://cynthiatilleman.com/blog</link>
	<description>All things Home and Gardening in Southern California.</description>
	<lastBuildDate>Tue, 13 Mar 2012 17:30:34 +0000</lastBuildDate>
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		<title>HAFA Update</title>
		<link>http://cynthiatilleman.com/blog/?p=37</link>
		<comments>http://cynthiatilleman.com/blog/?p=37#comments</comments>
		<pubDate>Tue, 13 Mar 2012 17:30:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP). The HAFA program took effect on April 5, 2010 &#8230; <a href="http://cynthiatilleman.com/blog/?p=37">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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<p style="MARGIN-BOTTOM: 0pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0.5in;"><span style="FONT-FAMILY: Calibri; BACKGROUND: yellow; FONT-SIZE: 10pt;">In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP).
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<p style="MARGIN-BOTTOM: 0pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0.5in;"><span style="FONT-FAMILY: Calibri; BACKGROUND: yellow; FONT-SIZE: 10pt;">The HAFA program took effect on April 5, 2010 and sunsets on December 31, 2012.</span></p>
<p> <span style="FONT-FAMILY: Calibri; BACKGROUND: yellow; FONT-SIZE: 10pt;">HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program. Servicers participating in HAMP are also required to comply with HAFA. A list of servicers participating in HAMP (including HAFA) is available at: </span><b><span style="FONT-FAMILY: Calibri; COLOR: #3366cc; FONT-SIZE: 10pt; FONT-WEIGHT: bold;"><a href="http://www.makinghomeaffordable.gov/get-assistance/contact-mortgage/Pages/default.aspx" target="_blank">http://www.makinghomeaffordable.gov/get-assistance/contact-mortgage/Pages/default.aspx</a></span></b></div>
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		<title>Humans Are Free: Monsanto: Found Guilty of Chemical Poisoning + 300k US Farmers Prepare Lawsuit</title>
		<link>http://cynthiatilleman.com/blog/?p=36</link>
		<comments>http://cynthiatilleman.com/blog/?p=36#comments</comments>
		<pubDate>Sat, 25 Feb 2012 01:33:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[http://humansarefree.com/2012/02/monsanto-found-guilty-of-chemical.html]]></description>
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<p><a href="http://humansarefree.com/2012/02/monsanto-found-guilty-of-chemical.html">http://humansarefree.com/2012/02/monsanto-found-guilty-of-chemical.html</a></p>
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		<title>Some evidence of a housing recovery</title>
		<link>http://cynthiatilleman.com/blog/?p=35</link>
		<comments>http://cynthiatilleman.com/blog/?p=35#comments</comments>
		<pubDate>Fri, 24 Feb 2012 19:32:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[Housing Recovery at Last? Evidence Mounts http://moneyland.time.com/2012/02/22/housing-recovery-at-last-evidence-mounts/]]></description>
			<content:encoded><![CDATA[<div class='posterous_autopost'>Housing Recovery at Last? Evidence Mounts<br /> 					<b><a href="http://moneyland.time.com/2012/02/22/housing-recovery-at-last-evidence-mounts/" target="_blank">http://moneyland.time.com/2012/02/22/housing-recovery-at-last-evidence-mounts/</a></b></div>
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		<title>Rental History</title>
		<link>http://cynthiatilleman.com/blog/?p=34</link>
		<comments>http://cynthiatilleman.com/blog/?p=34#comments</comments>
		<pubDate>Fri, 13 Jan 2012 19:56:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[Best, Cynthia Tilleman Podley Properties 626-825-0161 Subject: Rental history Best, Cynthia Tilleman Podley Properties Date: January 13, 2012 10:11:25 AM PSTTo: &#8220;post@posterous.com&#8221; &#60;post@posterous.com&#62; Subject: Rental History A good rental history can help borrowers First-time home buyers planning to purchase a &#8230; <a href="http://cynthiatilleman.com/blog/?p=34">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
<div>626-825-0161</div>
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<div><b>Subject:</b> <b>Rental history</b>
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<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
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<blockquote type="cite"><div><b>Date:</b> January 13, 2012 10:11:25 AM PST<br /><b>To:</b> &#8220;<a href="mailto:post@posterous.com">post@posterous.com</a>&#8221; &lt;<a href="mailto:post@posterous.com">post@posterous.com</a>&gt;<br /> <b>Subject:</b> <b>Rental History</b>
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<p>A good rental history can help borrowers </p>
<p>First-time home buyers planning to purchase a house later this year may have a better chance of qualifying for a mortgage if they have had a history of paying their rent on time.<span style="font-size: 11.000000pt; font-family: Arial;">&nbsp;</span></p>
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<p><a href="http://nyti.ms/xpybHp">http://nyti.ms/xpybHp</a><span style="">&nbsp;</span></p>
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<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
<div>626-825-0161</div>
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		<title>Listen to Tom</title>
		<link>http://cynthiatilleman.com/blog/?p=33</link>
		<comments>http://cynthiatilleman.com/blog/?p=33#comments</comments>
		<pubDate>Sat, 03 Dec 2011 04:01:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://cynthiatilleman.com/blog/?p=33</guid>
		<description><![CDATA[&#160; &#160; &#160;&#160;“Many of life&#8217;s failures are people who did not realize how close they were to success when they gave up.” &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Thomas A. Edison&#160; Best, Cynthia Tilleman Podley Properties 626-825-0161]]></description>
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<p style="margin-top: 0in; margin-right: 0in; margin-left: 0in;"><span class="body1">&nbsp; &nbsp; &nbsp;&nbsp;</span><span class="body1"><span style="background-color: yellow;">“</span></span><span class="body1"><span style="background-color: yellow;">Many of life&#8217;s failures are people who did not realize how close they were to success when they gave up.”</span></span><span class="body1"></span></p>
<p style="margin-top: 0in; margin-right: 0in; margin-left: 0in;"><span class="body1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span class="body1">Thomas A. Edison</span>&nbsp;</p>
<p>
<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
<div>626-825-0161</div>
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		<title>Real estate in the next 3-5years</title>
		<link>http://cynthiatilleman.com/blog/?p=32</link>
		<comments>http://cynthiatilleman.com/blog/?p=32#comments</comments>
		<pubDate>Wed, 12 Oct 2011 16:26:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[Check out this link to see what the real estate market will bring! http://rismedia.com/2011-10-08/nar-power-broker-roundtable-real-estate-in-the-next-3-5-years-what-must-we-do-to-be-ready Cynthia Tilleman Podley Properties 626-825-0161]]></description>
			<content:encoded><![CDATA[<div class='posterous_autopost'>Check out this link to see what the real estate market will bring!
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<p style=""><b><span style="font-size: 10.5pt; font-family: Arial; color: rgb(0, 75, 140); font-weight: bold;"><a href="http://rismedia.com/2011-10-08/nar-power-broker-roundtable-real-estate-in-the-next-3-5-years-what-must-we-do-to-be-ready" style="color: blue; text-decoration: underline;"></a><a href="http://rismedia.com/2011-10-08/nar-power-broker-roundtable-real-estate-in-the-next-3-5-years-what-must-we-do-to-be-ready">http://rismedia.com/2011-10-08/nar-power-broker-roundtable-real-estate-in-the-next-3-5-years-what-must-we-do-to-be-ready</a></span></b></p>
<p style=""><b>Cynthia Tilleman</b></p>
<div>Podley Properties</div>
<div>626-825-0161</div>
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		<title>Wicked Lit</title>
		<link>http://cynthiatilleman.com/blog/?p=31</link>
		<comments>http://cynthiatilleman.com/blog/?p=31#comments</comments>
		<pubDate>Tue, 04 Oct 2011 02:49:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[It&#8217;s that time of year for the 3 scary plays @ the Mountainview Cemetery. I saw them last year and I recommend highly.Wicked Lit (&#160;http://wickedlit.pmailus.com/pmailweb/ct?d=SZWQMgKCAAEAAAAwAAVkRA&#160;)&#160; Best, Cynthia Tilleman Podley Properties 626-825-0161]]></description>
			<content:encoded><![CDATA[<div class='posterous_autopost'>It&#8217;s that time of year for the 3 scary plays @ the Mountainview Cemetery. I saw them last year and I recommend highly.<br /><span style=""><br /></span><span style="">Wicked Lit (</span><span style="">&nbsp;</span><span style=""><a href="http://wickedlit.pmailus.com/pmailweb/ct?d=SZWQMgKCAAEAAAAwAAVkRA"></a><a href="http://wickedlit.pmailus.com/pmailweb/ct?d=SZWQMgKCAAEAAAAwAAVkRA">http://wickedlit.pmailus.com/pmailweb/ct?d=SZWQMgKCAAEAAAAwAAVkRA</a></span><span style="">&nbsp;</span><span style="">)&nbsp;</span>
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<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
<div>626-825-0161</div>
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		<title>Short Sales</title>
		<link>http://cynthiatilleman.com/blog/?p=30</link>
		<comments>http://cynthiatilleman.com/blog/?p=30#comments</comments>
		<pubDate>Thu, 29 Sep 2011 16:03:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[Short Sale Soundoff: First-time buyers losing interest in short sales First-time home buyer purchases of short sales dropped to 39.7 percent of short sale transactions in August, and represented a three-month slide. This was the lowest level for first-time home &#8230; <a href="http://cynthiatilleman.com/blog/?p=30">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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<p style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt;"><strong>Short Sale Soundoff: First-time buyers losing interest in short sales</strong></p>
<p style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt;">First-time home buyer purchases of short sales dropped to 39.7 percent of short sale transactions in August, and represented a three-month slide. This was the lowest level for first-time home buyers ever recorded by the HousingPulse survey.</p>
<p style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt;">The first-time home buyer share of short sales hit a peak of 54.1 percent of all short sale transactions in November 2009, just before the originally-scheduled expiration of the federal home buyer tax credit.</p>
<p style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt;">Real estate agents responding to the August survey indicated that home buyers frustrated with short sale delays are resorting to placing offers on multiple properties, with the intention on closing on only one. This practice can bog down the short sale approval process at mortgage servicers.</p>
<p style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt;"><a href="http://www2.realtoractioncenter.com/site/R?i=-DMF9C7Nt-t42O3oqd8krg" style="color: rgb(50, 40, 120); font-size: 11px; font-weight: bold;">More info</a></p>
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<div>Best, Cynthia Tilleman</div>
<div>Podley Properties</div>
<div>626-825-0161</div>
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		<title>Old wood windows can be repaired.</title>
		<link>http://cynthiatilleman.com/blog/?p=29</link>
		<comments>http://cynthiatilleman.com/blog/?p=29#comments</comments>
		<pubDate>Mon, 01 Aug 2011 00:20:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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<p><a href="http://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fwww.houselogic.com%2Farticles%2Fsave-money-repairing-windows%2F&amp;t=Window+Repair+Saving+Tips+%7C+Money+Saving+Window+Repair+%7C+HouseLogic">http://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fwww.houselogic.com%2Farticles%2Fsave-money-repairing-windows%2F&amp;t=Window+Repair+Saving+Tips+%7C+Money+Saving+Window+Repair+%7C+HouseLogic</a></p>
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		<title>How To Make A Garden Room &#124; Home Garden Room &#124; HouseLogic</title>
		<link>http://cynthiatilleman.com/blog/?p=28</link>
		<comments>http://cynthiatilleman.com/blog/?p=28#comments</comments>
		<pubDate>Sun, 24 Jul 2011 20:05:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[http://www.houselogic.com/articles/create-garden-room-its-natural-choice/?nicmp=dfsocial&#38;nichn=hlfb&#38;niseg=20110724_gardenroom]]></description>
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<p><a href="http://www.houselogic.com/articles/create-garden-room-its-natural-choice/?nicmp=dfsocial&amp;nichn=hlfb&amp;niseg=20110724_gardenroom">http://www.houselogic.com/articles/create-garden-room-its-natural-choice/?nicmp=dfsocial&amp;nichn=hlfb&amp;niseg=20110724_gardenroom</a></p>
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