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	<title>Dr. Housing Bubble Blog &#187; housing-2009</title>
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	<link>http://www.doctorhousingbubble.com</link>
	<description>How I Learned to Love Southern California and Forget the Housing Bubble</description>
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		<title>1.8 Million California Mortgages Underwater.  In 2008 100,000 Renters were added.  2010 California Housing Market Trends.  How Banks Hoodwinked the Public into Believing the Bailouts were to help the Housing Market.</title>
		<link>http://www.doctorhousingbubble.com/1-8-million-california-mortgages-underwater-in-2008-100000-renters-were-added-2010-california-housing-market-trends-how-banks-hoodwinked-the-public-into-believing-the-bailouts-were-to-help-the/</link>
		<comments>http://www.doctorhousingbubble.com/1-8-million-california-mortgages-underwater-in-2008-100000-renters-were-added-2010-california-housing-market-trends-how-banks-hoodwinked-the-public-into-believing-the-bailouts-were-to-help-the/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 09:45:25 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgage-fraud]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[funding]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2838</guid>
		<description><![CDATA[As we wind the year down the California housing market is entering a new chapter in its bubble saga.  2009 brought many new factors to consider in how the housing correction will play out.  One major trend was the growing number of moratoriums.  These programs largely failed at preventing foreclosure and only pushed the inevitable [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/1-8-million-california-mortgages-underwater-in-2008-100000-renters-were-added-2010-california-housing-market-trends-how-banks-hoodwinked-the-public-into-believing-the-bailouts-were-to-help-the/feed/</wfw:commentRss>
		<slash:comments>41</slash:comments>
		</item>
		<item>
		<title>California Housing Market Forecasting Errors.  Making Million Dollar Mistakes and Predicting the Future.  12 Percent of Mortgages with Balances Higher than 1 Million Dollars are now 90 days late.</title>
		<link>http://www.doctorhousingbubble.com/california-housing-market-forecasting-errors-making-million-dollar-mistakes-and-predicting-the-future-12-percent-of-mortgages-with-balances-higher-than-1-million-dollars-are-now-90-days-late/</link>
		<comments>http://www.doctorhousingbubble.com/california-housing-market-forecasting-errors-making-million-dollar-mistakes-and-predicting-the-future-12-percent-of-mortgages-with-balances-higher-than-1-million-dollars-are-now-90-days-late/#comments</comments>
		<pubDate>Sun, 27 Dec 2009 17:31:44 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[luxury homes]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[high priced homes]]></category>
		<category><![CDATA[housing bubble]]></category>
		<category><![CDATA[market forecast]]></category>
		<category><![CDATA[market pricing]]></category>
		<category><![CDATA[million dollar homes]]></category>
		<category><![CDATA[real-estate]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2830</guid>
		<description><![CDATA[The predictions for the 2010 California housing market are rolling out in mass.  Predicting the future is never easy or even possible in many cases.  I am reminded of the Black Swan events in Nassim Taleb’s excellent book where extraordinary events shake up years of imagined stability.  The real estate bubble is a perfect Black [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-housing-market-forecasting-errors-making-million-dollar-mistakes-and-predicting-the-future-12-percent-of-mortgages-with-balances-higher-than-1-million-dollars-are-now-90-days-late/feed/</wfw:commentRss>
		<slash:comments>35</slash:comments>
		</item>
		<item>
		<title>Real Homes of Genius:  Culver City Housing Bubble.  Housing Shadow Inventory in Action.  Countrywide Bank Owned home versus Duplex on Same Block.  Foreclosure Holiday.</title>
		<link>http://www.doctorhousingbubble.com/real-homes-of-genius-culver-city-housing-bubble-housing-shadow-inventory-in-action-countrywide-bank-owned-home-versus-duplex-on-same-block-foreclosure-holiday/</link>
		<comments>http://www.doctorhousingbubble.com/real-homes-of-genius-culver-city-housing-bubble-housing-shadow-inventory-in-action-countrywide-bank-owned-home-versus-duplex-on-same-block-foreclosure-holiday/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 19:33:18 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[real-homes-of-genius]]></category>
		<category><![CDATA[shadow inventory]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[culver city housing]]></category>
		<category><![CDATA[fha insured]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[real home of genius]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2820</guid>
		<description><![CDATA[The shadow inventory issue will be an important factor in how California home prices move in 2010.  It isn’t a question of shadow inventory existing since that has already been established but how banks are going to proceed with leaking out the inventory to the market.  One spigot used in 2009 revolved around the HAMP [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/real-homes-of-genius-culver-city-housing-bubble-housing-shadow-inventory-in-action-countrywide-bank-owned-home-versus-duplex-on-same-block-foreclosure-holiday/feed/</wfw:commentRss>
		<slash:comments>20</slash:comments>
		</item>
		<item>
		<title>Southern California and the MLS Myth:  Why the MLS does not Provide an Accurate Picture of Housing Inventory.  Shadow Inventory, Foreclosures, and Fantasy Housing Numbers.</title>
		<link>http://www.doctorhousingbubble.com/southern-california-and-the-mls-myth-why-the-mls-does-not-provide-an-accurate-picture-of-housing-inventory-shadow-inventory-foreclosures-and-fantasy-housing-numbers/</link>
		<comments>http://www.doctorhousingbubble.com/southern-california-and-the-mls-myth-why-the-mls-does-not-provide-an-accurate-picture-of-housing-inventory-shadow-inventory-foreclosures-and-fantasy-housing-numbers/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 23:55:35 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[shadow inventory]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[defaults]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mls]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2801</guid>
		<description><![CDATA[Many of you that search or browse housing listings know what the MLS is.  This is the Multiple Listing Service provided to realtors and those affiliated with real estate branches.  In the past, the MLS might have been an excellent snapshot of market inventory.  Many sites like Redfin and ZipRealty provide consumers excellent data for [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/southern-california-and-the-mls-myth-why-the-mls-does-not-provide-an-accurate-picture-of-housing-inventory-shadow-inventory-foreclosures-and-fantasy-housing-numbers/feed/</wfw:commentRss>
		<slash:comments>46</slash:comments>
		</item>
		<item>
		<title>California Housing Prices Then and Now:  Foreclosures, Fast Money, and Deflating Economic Bubbles.  Comparing 15 Counties with Household Income to Home Price Ratios from 1999 to 2009.  Many Counties Still Over Priced.</title>
		<link>http://www.doctorhousingbubble.com/california-housing-prices-then-and-now-foreclosures-fast-money-and-deflating-economic-bubbles-comparing-15-counties-with-household-income-to-home-price-ratios-from-1999-to-2009-many-counties-s/</link>
		<comments>http://www.doctorhousingbubble.com/california-housing-prices-then-and-now-foreclosures-fast-money-and-deflating-economic-bubbles-comparing-15-counties-with-household-income-to-home-price-ratios-from-1999-to-2009-many-counties-s/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 22:56:06 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california economy]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[reo]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2794</guid>
		<description><![CDATA[People have a hard time understanding that many counties in California are still overpriced.  Massively overpriced.  Now this is hard to reconcile for many because we hear about the 50 percent price drop for the entire state so many simply assume that this applies to each area.  In many ways that is deceptive.  This is [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-housing-prices-then-and-now-foreclosures-fast-money-and-deflating-economic-bubbles-comparing-15-counties-with-household-income-to-home-price-ratios-from-1999-to-2009-many-counties-s/feed/</wfw:commentRss>
		<slash:comments>29</slash:comments>
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