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		<title>Kotvis&#039;s Blog</title>
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		<item>
		<title>Foreclosures thin ranks of underwater borrowers &#124; Inman News</title>
		<link>http://kotvis.wordpress.com/2010/12/14/foreclosures-thin-ranks-of-underwater-borrowers-inman-news/</link>
		<comments>http://kotvis.wordpress.com/2010/12/14/foreclosures-thin-ranks-of-underwater-borrowers-inman-news/#comments</comments>
		<pubDate>Tue, 14 Dec 2010 04:07:56 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Foreclosures thin ranks of underwater borrowers &#124; Inman News.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=234&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.inman.com/news/2010/12/13/foreclosures-thin-ranks-underwater-borrowers">Foreclosures thin ranks of underwater borrowers | Inman News</a>.</p>
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			<media:title type="html">Real Estate</media:title>
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		<title>REALTOR® Magazine-Daily News-5 Predictions for 2011</title>
		<link>http://kotvis.wordpress.com/2010/12/10/realtor%c2%ae-magazine-daily-news-5-predictions-for-2011/</link>
		<comments>http://kotvis.wordpress.com/2010/12/10/realtor%c2%ae-magazine-daily-news-5-predictions-for-2011/#comments</comments>
		<pubDate>Fri, 10 Dec 2010 20:01:34 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[REALTOR® Magazine-Daily News-5 Predictions for 2011.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=232&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.realtor.org/RMODaily.nsf/pages/News2010121002?OpenDocument">REALTOR® Magazine-Daily News-5 Predictions for 2011</a>.</p>
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			<media:title type="html">Real Estate</media:title>
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		<item>
		<title>Team Sherry &#8216;K&#8217; Realtor-Temecula &amp; Menifee Valley&#8217;s</title>
		<link>http://kotvis.wordpress.com/2010/12/07/team-sherry-k-realtor-temecula-menifee-valleys/</link>
		<comments>http://kotvis.wordpress.com/2010/12/07/team-sherry-k-realtor-temecula-menifee-valleys/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 05:15:35 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[EstateShortSales]]></category>
		<category><![CDATA[LuxuryHomeShortSales]]></category>
		<category><![CDATA[SherryKHomes]]></category>

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		<description><![CDATA[WWW.SherryKHomes.com WWW.MyForeclosureRepair.com  <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=226&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><a href="http://www.SherryKHomes.com">WWW.SherryKHomes.com</a></p>
<p style="text-align:center;"><a href="http://www.MyForeclosureRepair.com">WWW.MyForeclosureRepair.com</a></p>
<p style="text-align:center;"> </p>
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			<media:title type="html">Real Estate</media:title>
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		<item>
		<title>29107 Mesa Crest Menifee 92584 Home For Sale</title>
		<link>http://kotvis.wordpress.com/2010/12/07/29107-mesa-crest-menifee-92584-home-for-sale/</link>
		<comments>http://kotvis.wordpress.com/2010/12/07/29107-mesa-crest-menifee-92584-home-for-sale/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 05:02:56 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[29107 Mesa Crest]]></category>
		<category><![CDATA[fast track short sale]]></category>
		<category><![CDATA[Home For Sale]]></category>
		<category><![CDATA[Menifee CA 92584]]></category>
		<category><![CDATA[menifee valley]]></category>
		<category><![CDATA[Open House 24/7]]></category>

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			<media:title type="html">Real Estate</media:title>
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		<item>
		<title>Home For Sale 28301 Valombrosa Menifee CA</title>
		<link>http://kotvis.wordpress.com/2010/12/07/home-for-sale-28301-valombrosa-menifee-ca/</link>
		<comments>http://kotvis.wordpress.com/2010/12/07/home-for-sale-28301-valombrosa-menifee-ca/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 04:42:46 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Open House 24/7]]></category>
		<category><![CDATA[28301 Valombrosa Menifee CA 92584]]></category>
		<category><![CDATA[Golf Course Community]]></category>
		<category><![CDATA[Home For Sale]]></category>
		<category><![CDATA[Palmilla on the Green]]></category>
		<category><![CDATA[Senior 55+ Community]]></category>

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		<georss:point>33.685379 -117.165565</georss:point>
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			<media:title type="html">Real Estate</media:title>
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		<title>Short Sale Specialist in Menifee and Temecula Valley offers FREE Services to Community</title>
		<link>http://kotvis.wordpress.com/2010/12/03/short-sale-specialist-in-menifee-and-temecula-valley-offers-free-services-to-community/</link>
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		<pubDate>Fri, 03 Dec 2010 22:15:46 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Wachovia Fast Track Short Sales]]></category>
		<category><![CDATA[CDPE]]></category>
		<category><![CDATA[Certified Distressed Property Expert]]></category>
		<category><![CDATA[fast track short sale]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[lake elsinore]]></category>
		<category><![CDATA[Menifee and Temecula Valley]]></category>
		<category><![CDATA[preforeclosures]]></category>
		<category><![CDATA[wachovia short sales]]></category>

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		<description><![CDATA[WWW.MyForeclosureRepair.com Short Sales in Menifee and Temecula Valley&#8217;s are on the rise. As a Short Sale Specialist I help borrower&#8217;s thru difficult times. Often times by the time a borrower speaks to me it may be too late. There seems to be a lot of shame and embarrassment out there. I am here to tell [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=216&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><a href="http://www.myforeclosurerepair.com/">WWW.MyForeclosureRepair.com</a></p>
<p>Short Sales in Menifee and Temecula Valley&#8217;s are on the rise. As a Short Sale Specialist I help borrower&#8217;s thru difficult times. Often times by the time a borrower speaks to me it may be too late. There seems to be a lot of shame and embarrassment out there.</p>
<p>I am here to tell the consumer/borrower that being upside down on your mortage is nothing to be embarrased or ashamed of. Many homeowner&#8217;s are under tremendous stress in this given economic climate. Falling upon hardtimes is simply the cycle of life and asking for help if you are unable to make your mortgage payments is simply the right thing to do.</p>
<p>I&#8217;m not here to sugar coat anything. I am just pleading with homeowners to make the call to someone that has the expertise in the area of avoiding foreclosure, because once you pick up the phone you will have great peace of mind.</p>
<p>I have been working with homeowners under duress daily for the last few years. I help borrower&#8217;s understand their options and explain the process in great detail. I am always accessible to my client to answer questions.</p>
<p>I consider myself more a counselor or public servant than a Realtor. My services are absolutely FREE. There is no cost to pick up the phone and ask questions and ask for help. And should you decide to short sale your property, you pay nothing&#8230;that is right&#8230;you pay nothing. I work with the bank on your behalf to negotiate the best possible solution and give you peace throughout the process.</p>
<p>Furthermore, I have spent countless hours furthering my education as a Short Sale Specialist. I have been certified through the local board as a Specialist Foreclosure Advisor and have a Certification through Certified Distressed Property Experts, and Partner First Network as a Certified Short Sale Specialist. These special designations have allowed me to catapult my career to new heights but more importantly help people that truly need assistance and need answers.</p>
<p>If you or someone you know is behind on mortgage payments or foresee this happening in the near future, the worse thing you can do is do <em><strong>nothing</strong></em>. Pick up the phone, get educated and get informed. I can be reached at 951-315-3201 or feel free to visit my website. <a href="http://www.MyForeclosureRepair.com">WWW.MyForeclosureRepair.com</a> or <a href="http://www.SherryKHomes">WWW.SherryKHomes</a>.</p>
<p>I look forward to hearing from you!</p>
<p>Sherry &#8216;K&#8217; Kotvis<br />
Keller Williams Realty<br />
Short Sale Expert</p>
<p style="text-align:center;"><em><strong>Serving Temecula, Murrieta, Menifee, Sun City, Lake Elsinore, Perris, Romoland, Homeland, Canyon Lake and the Surrounding Areas</strong></em></p>
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			<media:title type="html">Real Estate</media:title>
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		<title>Press Release: QR Codes Takes Hold for Top Realtor in the Temecula Valley</title>
		<link>http://kotvis.wordpress.com/2010/11/20/press-release-qr-codes-takes-hold-for-top-realtor-in-the-temecula-valley/</link>
		<comments>http://kotvis.wordpress.com/2010/11/20/press-release-qr-codes-takes-hold-for-top-realtor-in-the-temecula-valley/#comments</comments>
		<pubDate>Sat, 20 Nov 2010 21:01:31 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Temecula and Menifee Valleys]]></category>
		<category><![CDATA[Menifee Valley Sellers]]></category>
		<category><![CDATA[Temecula Valley Sellers]]></category>

		<guid isPermaLink="false">http://kotvis.wordpress.com/?p=214</guid>
		<description><![CDATA[Team Sherry &#8216;K&#8217; Uses QR Code Technology to Increase Exposure of their Seller&#8217;s Properties to Consumers Fast and Easy 10/11/2010 Broker City, State – &#8220;Technology consulting firm Gartner predicts that QR (Quick Response) Code use will explode soon in the United States.&#8221; says Sherry Kotvis, Keller Williams Realty. &#8220;We now have QR Codes for all [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=214&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Team Sherry &#8216;K&#8217; Uses QR Code Technology to Increase Exposure of their Seller&#8217;s Properties to Consumers Fast and Easy 10/11/2010 Broker City, State – &#8220;Technology consulting firm Gartner predicts that QR (Quick Response) Code use will explode soon in the United States.&#8221; says Sherry Kotvis, Keller Williams Realty. &#8220;We now have QR Codes for all of our listings that allow consumers to scan them with their smart phones and see detailed property information for the listing such as the walk score, Google Maps with street views, school information and much more right from the Yard Sign, Property Flyers, Postcards and other places where it was never possible before.&#8221; Similar to bar codes, QR codes allow people standing in front of a home to use a QR Reader on their smartphone to scan a QR code on the yard sign in seconds and access detailed information about the home they are standing in front of. “We are using technology from Listings-to-Leads that automatically creates QR Codes for all of our listings allowing us to then put them on the yard signs in front of the seller&#8217;s home along with all our other printed marketing materials. This greatly increases the exposure of the property while at the same time giving the consumers the information they want quickly and easily.” says Sherry Kotvis. “We are excited to partner with Sherry Kotvis-Keller Williams Realty in using the newest technologies in the market on behalf of their sellers and buyers.” Scott Pierce, CEO, Listings-to-Leads added. &#8220;QR Codes are big in Japan and are used widely in Asia, Europe and Australia and are now starting to catch on in America.&#8221; “The Real Estate industry is one of the most technology intensive industries. We are proud to have been able to offer a powerful turnkey solution that allows Team Sherry &#8216;K&#8217; to leverage this technology without wasting a lot of their time which is better spent working with buyers and sellers and not acting as their own IT department&#8221; continued Scott Pierce. “Our main goal as real estate professionals is to market our seller&#8217;s properties to as many people as possible and to give buyers access to that information in as many ways as possible.&#8221; concluded BROKER FIRST &amp; LAST NAME &#8220;Using QR Codes allows us to achieve both of these goals while reducing the time needed to achieve this. As one of the first brokerages in our area to use this new technology we are also excited to share our expertise with buyers and sellers in our area along with other Realtors that may not have implemented this technology yet.&#8221; If you are considering selling your home and are located in the Temecula/Menifee Valley&#8217;s please contact Team Sherry &#8216;K&#8217; so she can discuss her comprehensive marketing plan to list and sell your house fast!!!</p>
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		<title>Nice 3 bedroom, 2 bath condo Temecula</title>
		<link>http://kotvis.wordpress.com/2010/10/08/nice-3-bedroom-2-bath-condo-temecula/</link>
		<comments>http://kotvis.wordpress.com/2010/10/08/nice-3-bedroom-2-bath-condo-temecula/#comments</comments>
		<pubDate>Fri, 08 Oct 2010 03:13:45 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kotvis.wordpress.com/?p=212</guid>
		<description><![CDATA[Nice 3 bedroom, 2 bath condo.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=212&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.listingstoleads.com/system/PreSingle.php?Lid=TWpFek9UZzU%3D">Nice 3 bedroom, 2 bath condo</a>.</p>
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			<media:title type="html">Real Estate</media:title>
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		<title>Short Sale in Menifee</title>
		<link>http://kotvis.wordpress.com/2010/08/27/short-sale-in-menifee/</link>
		<comments>http://kotvis.wordpress.com/2010/08/27/short-sale-in-menifee/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 19:50:08 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Alternatives to foreclosure]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[buy short sale]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[lake elsinore]]></category>
		<category><![CDATA[Murrieta]]></category>
		<category><![CDATA[preforeclosures]]></category>
		<category><![CDATA[wachovia short sales]]></category>

		<guid isPermaLink="false">http://kotvis.wordpress.com/?p=200</guid>
		<description><![CDATA[Beautiful home located in east Menifee. 3100 sq feet with large pool size yard. Home has 3 bedrooms, jack and jill, loft upstairs plus bedroom and full bath downstairs. Super nice with travertine tile flooring and beautiful custom concrete flooring technique in livingroom and family room. Priced at $230K<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=200&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Beautiful home located in east Menifee. 3100 sq feet with large pool size yard. Home has 3 bedrooms, jack and jill, loft upstairs plus bedroom and full bath downstairs. Super nice with travertine tile flooring and beautiful custom concrete flooring technique in livingroom and family room. Priced at $230K<a href="http://kotvis.files.wordpress.com/2010/08/mesacrestmenifee-0013.jpg"><img class="alignleft size-thumbnail wp-image-204" title="OLYMPUS DIGITAL CAMERA" src="http://kotvis.files.wordpress.com/2010/08/mesacrestmenifee-0013.jpg?w=150&#038;h=112" alt="" width="150" height="112" /></a></p>
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		<title>Foreclosures Down, But Late Payments Up</title>
		<link>http://kotvis.wordpress.com/2010/08/27/foreclosures-down-but-late-payments-up/</link>
		<comments>http://kotvis.wordpress.com/2010/08/27/foreclosures-down-but-late-payments-up/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 19:19:34 +0000</pubDate>
		<dc:creator>Sherry</dc:creator>
				<category><![CDATA[Wachovia Fast Track Short Sales]]></category>
		<category><![CDATA[Alternatives to foreclosure]]></category>
		<category><![CDATA[bankowned]]></category>
		<category><![CDATA[fast track program]]></category>
		<category><![CDATA[fast track short sale]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[lake elsinore]]></category>
		<category><![CDATA[menifee]]></category>
		<category><![CDATA[Menifee and Temecula Valley]]></category>
		<category><![CDATA[MenifeeLakes]]></category>
		<category><![CDATA[Temecula]]></category>

		<guid isPermaLink="false">http://kotvis.wordpress.com/?p=198</guid>
		<description><![CDATA[According to the lasted statistics by Mortgage Bankers Association&#8217;s Delinquency Survey  the wave of foreclosures is going down slightly, however homeowners are defaulting on payments putting borrowerers further and further behind. The percentage of loans in the foreclosure process at the end of the 2nd QTR was 4.57 percent, a decrease of of six basis [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kotvis.wordpress.com&amp;blog=9333643&amp;post=198&amp;subd=kotvis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>According to the lasted statistics by Mortgage Bankers Association&#8217;s Delinquency Survey  the wave of foreclosures is going down slightly, however homeowners are defaulting on payments putting borrowerers further and further behind.</p>
<p>The percentage of loans in the foreclosure process at the end of the 2nd QTR was 4.57 percent, a decrease of of six basis points. The first QTR of 2010 was 27 basis points.</p>
<p>The survey further reported that loans 90 days or more past due or in the process of a foreclosure was 9.11 percent, a decrease of 43 basis points.</p>
<p>Foreclosures are down and the inventory of homes in the foreclosure process are down, a first time drop since the bottom fell out in 2006 and the largest drop since 2005.</p>
<p>However the percentage of loans that are one payment behind had peaked in the first QTR of 2009 at 3.77 percent.</p>
<p>Economists are waiting for unemployment to decrease and a consistent increase in employment to be on the rise before any long term effects take hold of the deficiencies.</p>
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