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<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:mobile="http://www.google.com/schemas/sitemap-mobile/1.0" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>http://craigtomlinson.biz/2011/05/21/2010-distressed-property-stats-lane-county/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/05/2010-short-reo-normal-lane-county-sales.jpg</image:loc><image:title>2010-short-reo-normal-lane-county-sales</image:title><image:caption>1 in 4 sales in 2010 for Lane County were Distressed</image:caption></image><lastmod>2011-05-22T03:29:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/26/oregon-tsunami-damage/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-tsunami.jpg</image:loc><image:title>blog-tsunami</image:title><image:caption>Cities on the Pacific Ocean are vulnerable to Tsunami.</image:caption></image><lastmod>2011-04-27T04:07:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/19/eugene-a-pipeline-runs-through-it/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-pipeline.jpg</image:loc><image:title>blog-pipeline</image:title><image:caption>Carrying gasoline to a town near you.</image:caption></image><lastmod>2011-04-20T04:44:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/17/a-mess-of-mortgage-paperwork/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-mortgage-paperwork.jpg</image:loc><image:title>blog-mortgage paperwork</image:title><image:caption>Many foreclosed banks are still stuck on the market because of lost ownership documents.</image:caption></image><lastmod>2011-04-18T02:27:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/11/eugene%e2%80%99s-cash-real-estate-sales/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-high-end-cash-sales.jpg</image:loc><image:title>blog-high-end-cash-sales</image:title><image:caption>High-end homes are still selling in Eugene.</image:caption></image><lastmod>2011-04-12T03:27:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/10/green-buildings-are-worth-more/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-leed-pic.jpg</image:loc><image:title>blog-leed-pic</image:title><image:caption>More buildings are going green these days.</image:caption></image><lastmod>2011-04-11T03:10:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/06/hud-tightens-loan-standards/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-fha-standards.jpg</image:loc><image:title>blog-fha standards</image:title><image:caption>HUD loans are a bright spot in a thorny lending environment.</image:caption></image><lastmod>2011-04-07T04:02:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/05/eugene-produces-local-electricity/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-cogen.jpg</image:loc><image:title>blog-cogen</image:title><image:caption>Cogeneration feeding local power.</image:caption></image><lastmod>2011-04-06T04:46:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/04/trees-and-development-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/blog-trees.jpg</image:loc><image:title>blog-trees</image:title><image:caption>Eugene cares about its trees.</image:caption></image><lastmod>2011-04-05T03:45:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/04/02/oregon-research-institute-the-fight-continues/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/04/mail.jpg</image:loc><image:title>Willamette</image:title><image:caption>The banks of the Willamette: Contentious real estate.</image:caption></image><lastmod>2011-04-02T17:19:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/29/loans-for-borrowers-with-500-credit-scores/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-500-cred-score.jpg</image:loc><image:title>blog-500-cred-score</image:title><image:caption>Loosening credit: 1 down and 3 to go</image:caption></image><lastmod>2011-03-30T02:39:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/28/redevelopment-in-eugene%e2%80%99s-downtown/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-pit.jpg</image:loc><image:title>blog-pit</image:title><image:caption>Looking into big holes, the Craigs enjoy one of their hobbies.</image:caption></image><lastmod>2011-03-29T04:36:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/26/the-importance-of-buying-local/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-buy-local.jpg</image:loc><image:title>blog-buy-local</image:title></image><lastmod>2011-03-29T04:32:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/26/home-affordable-modification-program-hamp/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-hamp.jpg</image:loc><image:title>blog-hamp</image:title><image:caption>Most mortgage modificatins don't work.</image:caption></image><lastmod>2011-03-26T15:55:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/23/earthquakes/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-earthquakes.jpg</image:loc><image:title>blog earthquakes</image:title><image:caption>Will building codes keep earthquake aftermath in Lane County from looking like this?</image:caption></image><lastmod>2011-03-24T04:24:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/21/housing-prices-close-to-bottom/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-price-bottom.jpg</image:loc><image:title>blog- price bottom</image:title><image:caption>Is home ownership in your dreams?</image:caption></image><lastmod>2011-03-22T06:05:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/21/remodeling-and-home-improvement/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-home-improvement.jpg</image:loc><image:title>blog-home-improvement</image:title><image:caption>Rebuilding the housing market brick by brick.</image:caption></image><lastmod>2011-03-22T06:00:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/19/significant-source-of-lane-county-employment-slowly-recovering/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-logging-2.jpg</image:loc><image:title>Logging Industry</image:title></image><lastmod>2011-03-19T16:15:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/12/eugenes-railroad/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-uprr-map.jpg</image:loc><image:title>blog-uprr-map</image:title><image:caption>Eugene is connected to the U.S. by rail</image:caption></image><lastmod>2011-03-17T11:26:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/16/new-home-building-slows/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-construction-down.jpg</image:loc><image:title>Home Construction Down</image:title><image:caption>There are fewer homes being built in Eugene Springfield in 2011</image:caption></image><lastmod>2011-03-17T11:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/16/february-2011-lane-county-a-buyers-market/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-feb-mls.jpg</image:loc><image:title>Feb 2011 Lane County Real Estate</image:title><image:caption>Continued downward pressure on Lane County real estate in February 2011</image:caption></image><lastmod>2011-03-17T11:08:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/14/eugene-springfield-condos/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-15T03:25:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/13/short-sales-in-eugene-and-springfield/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-mview-short.png</image:loc><image:title>blog-mview-short</image:title></image><lastmod>2011-03-14T05:54:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/12/distressed-property-in-eugene-and-springfield/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-distressed-cash-sales.png</image:loc><image:title>blog-distressed-cash-sales</image:title></image><lastmod>2011-03-13T03:37:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/12/eugene-springfield-commute-times-low/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-commute.jpg</image:loc><image:title>blog-commute</image:title><image:caption>Eugene has very short commute times</image:caption></image><lastmod>2011-03-12T22:58:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/12/renewable-energy/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/blog-reno-screen-shot.png</image:loc><image:title>blog-reno-screen-shot</image:title><image:caption>Looking at real-time power generation in Reno</image:caption></image><lastmod>2011-03-12T17:47:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/11/lending-for-commercial-construction-has-increased/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/inn-at-5th-street-market.jpg</image:loc><image:title>inn at 5th street market</image:title><image:caption>Vision for 5th Street Market Hotel Property</image:caption></image><lastmod>2011-03-12T04:40:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/08/recycle-those-fluorescent-light-bulbs/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/compact-fluorescent-light-bulb.jpg</image:loc><image:title>Compact Fluorescent Light Bulb</image:title></image><lastmod>2011-03-09T04:23:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/06/local-economic-forecast-positive/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/eugene.jpg</image:loc><image:title>Eugene</image:title><image:caption>Eugene, OR</image:caption></image><lastmod>2011-03-07T06:06:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/03/05/economic-expansion-largest-in-years/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/03/unemployment-pic-blog.jpg</image:loc><image:title>unemployment-pic-blog</image:title><image:caption>More jobs will help Eugene's real estate market.</image:caption></image><lastmod>2011-03-05T21:27:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/02/28/activists-taking-on-oregon-wineries-over-land-use/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/02/wine-blog-article.jpg</image:loc><image:title>wine-blog-article</image:title></image><lastmod>2011-03-05T20:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/02/24/mortgage-rates-move-higher-as-treasury-yields-increase/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/02/blog-interest-rates-up-pic.jpg</image:loc><image:title>Increased Rates</image:title></image><lastmod>2011-02-25T04:26:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/02/17/eugenes-ugb-and-affordability/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/02/more-mult-family-housing.jpg</image:loc><image:title>More Multi-family Housing for Eugene</image:title></image><lastmod>2011-02-17T23:50:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/02/17/banks-credit-restrictions-too-high/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/02/blog-credit-figure.jpg</image:loc><image:title>Money</image:title></image><lastmod>2011-02-17T23:14:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2011/02/12/eugene-commercial-real-estate-on-the-rise/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2011/02/bell-only-no-text.jpg</image:loc><image:title>bell-only-no-text</image:title><image:caption>Woodfield Station in Eugene, OR</image:caption></image><lastmod>2011-02-12T20:37:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/07/12/foreclosed-properties-selling-for-less/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-12T23:20:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/07/08/planned-mental-hospital-faces-possible-cuts/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-08T22:45:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/07/07/foreclosures-remain-high-in-lane-county/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-07T23:11:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/30/new-homes-getting-smaller/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-06T23:30:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/07/01/springfield-housing-development-back-on-track/</loc><mobile:mobile></mobile:mobile><lastmod>2010-07-01T21:51:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/29/home-loan-interest-rates-drop-again/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-29T21:35:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/28/may-foreclosures/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-28T21:28:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/25/majority-of-hamp-modified-loans-fail/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-25T21:49:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/24/home-loan-fraud/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-24T20:59:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/23/buying-a-home-after-foreclosure/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-24T20:53:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/22/811/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/06/jr-blog-building.jpg</image:loc><image:title>jr-blog-building</image:title><image:caption>New construction has slowed severely in the last 3 years.</image:caption></image><lastmod>2010-06-22T23:14:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/22/living-in-lane-county/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/06/w11th.jpg</image:loc><image:title>W11th</image:title><image:caption>The city of Eugene is seeking to restructure West 11th</image:caption></image><lastmod>2010-06-22T23:07:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/17/smart-meters/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/06/meter-001-e1276816929101.jpg</image:loc><image:title>meter 001</image:title><image:caption>Your old meter could be on its way out.</image:caption></image><lastmod>2010-06-21T21:38:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/18/home-prices-projected-to-rise/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/06/jr-blog-rising-house-prices.jpg</image:loc><image:title>jr-blog-rising-house-prices</image:title><image:caption>Housing in Eugene remains affordable</image:caption></image><lastmod>2010-06-18T21:05:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/06/16/short-sales/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/06/scandia-junior-shortsale-1.jpg</image:loc><image:title>scandiashortsale</image:title></image><lastmod>2010-06-18T20:30:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/05/31/eugene-housing-market-stable-in-spring-2010/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/05/scandia-mar.jpg</image:loc><image:title>scandia-mar</image:title></image><lastmod>2010-06-18T03:11:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/04/04/oregons-cloud-computing/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/04/painted-desert.jpg</image:loc><image:title>painted-desert</image:title><image:caption>Beatiful scenery abounds in Eastern Oregon.</image:caption></image><lastmod>2010-04-05T04:07:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/03/28/macintosh-manner-new-homes-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/03/mcintosh-manner.jpg</image:loc><image:title>mcintosh-manner</image:title></image><lastmod>2010-04-05T04:04:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/04/01/government-stops-purchasing-mortgages/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/04/p1010131d.jpg</image:loc><image:title>P1010131d</image:title></image><lastmod>2010-04-05T04:02:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/30/shop-in-eugene-for-sale/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/link-road-shop.jpg</image:loc><image:title>link-road-shop</image:title><image:caption>Perfect for owner occupied.</image:caption></image><lastmod>2010-03-29T16:23:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/03/22/eugene-housing-prices-up-in-2010/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/03/img_1406.jpg</image:loc><image:title>IMG_1406</image:title><image:caption>There's usually something to do in Eugene.  Photo by Craig Tomlinson, III</image:caption></image><lastmod>2010-03-23T01:09:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/03/16/the-farm-on-cal-young-in-eugene-up-for-auction/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/03/the-farm-3.jpg</image:loc><image:title>the-farm-3</image:title></image><lastmod>2010-08-18T07:24:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/02/21/condo-farm-yet-to-take-off/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/02/condos2.jpg</image:loc><image:title>condos2</image:title><image:caption>There are many good condos in Eugene</image:caption></image><lastmod>2010-02-21T16:21:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/01/11/condo-financing-harder-now/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/01/condos1.jpg</image:loc><image:title>condos1</image:title><image:caption>A condominium project in Eugene.</image:caption></image><lastmod>2010-01-12T03:53:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/01/03/springfield-apartments-for-sale/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/01/bob-nelson-apts.jpg</image:loc><image:title>bob-nelson-apts</image:title><image:caption>72 Units for sale in Springfield</image:caption></image><lastmod>2010-01-03T16:23:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/25/eugene-2009-summary-2010-forecast/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/xmas-2009.jpg</image:loc><image:title>xmas-2009</image:title><image:caption>2009 Christmas was Foggy in Eugene Springfield.</image:caption></image><lastmod>2010-01-02T16:38:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2010/01/02/eugene-lot-for-trucks/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2010/01/pacific.jpg</image:loc><image:title>pacific</image:title><image:caption>Leasable lot in West Eugene.</image:caption></image><lastmod>2010-01-02T16:33:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/28/nice-warehouse-for-lease-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/isabelle-for-lease.jpg</image:loc><image:title>isabelle-for-lease</image:title><image:caption>Nice warehouse for lease in West Eugene.</image:caption></image><lastmod>2009-12-29T03:29:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/26/foreclosures-in-crescent-village/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/century-banik.jpg</image:loc><image:title>crescent village</image:title><image:caption>Foreclosures in Crescent Village are a good deal for buyers.</image:caption></image><lastmod>2009-12-26T23:28:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/28/621/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/victoria.jpg</image:loc><image:title>victoria</image:title><image:caption>Good deal on recently listed short sale in Santa Clara</image:caption></image><lastmod>2009-12-26T14:30:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/10/low-mortgage-rates/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/low-interest-rates.jpg</image:loc><image:title>low-interest-rates</image:title><image:caption>Home Mortgage Rates are at Historic Lows</image:caption></image><lastmod>2009-12-26T04:38:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/20/tax-credit-extension/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/home-cred.jpg</image:loc><image:title>home-cred</image:title><image:caption>Short sales are some of the best bargains in Eugene.</image:caption></image><lastmod>2009-12-20T18:24:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/14/learn-about-eugene-real-estate/</loc><mobile:mobile></mobile:mobile><lastmod>2009-12-14T15:14:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/12/fha-reserves-low/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/fha-minimum.jpg</image:loc><image:title>fha-minimum</image:title><image:caption>Down Payments as low as 3.5% are available through FHA.</image:caption></image><lastmod>2009-12-12T23:46:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/10/oregon-green-power-leader/</loc><mobile:mobile></mobile:mobile><lastmod>2009-12-10T15:32:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/08/rising-home-prices-in-2010/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/inventory-rising-prices.jpg</image:loc><image:title>inventory-rising-prices</image:title><image:caption>Inventory below 6 months is a Seller's Market</image:caption></image><lastmod>2009-12-08T15:59:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/06/home-sales-strong-in-the-west/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/oct-sales-nar.jpg</image:loc><image:title>oct-sales-nar</image:title><image:caption>Low-end and High-end Sales were strong in the West.</image:caption></image><lastmod>2009-12-06T16:58:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/05/fewer-distressed-sales-in-eugene-than-nation/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/distressed-sale-graphic.jpg</image:loc><image:title>distressed-sale-graphic</image:title><image:caption>About 1 in 5 sales in Eugene Springfield were Distressed.</image:caption></image><lastmod>2009-12-05T17:38:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/12/02/housing-inventory-down-in-october/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/12/october-inventory-decline.jpg</image:loc><image:title>october-inventory-decline</image:title><image:caption>Declining inventory indicates a strenghening market.</image:caption></image><lastmod>2009-12-02T15:03:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/30/apartment-loan-defaults-up/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/front-1.jpg</image:loc><image:title>front-1</image:title><image:caption>Nice campus apartments, on the Millrace, with a view of the Willamette.</image:caption></image><lastmod>2009-11-30T18:01:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/29/cause-of-housing-crisis-dc/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/housing-crisis-cause.jpg</image:loc><image:title>housing-crisis-cause</image:title><image:caption>Foreclosures are fallout from the housing crisis.</image:caption></image><lastmod>2009-11-29T16:25:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/13/homebuyer-tax-credit-extended/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/tippy-hoe.jpg</image:loc><image:title>tippy-hoe</image:title></image><lastmod>2009-11-27T15:55:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/27/home-mortgage-rates-low-low-low/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/mortgage-rates-low.jpg</image:loc><image:title>mortgage-rates-low</image:title><image:caption>Interest rates are tied for historic lows.</image:caption></image><lastmod>2009-11-27T15:50:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/11/26/1-in-4-mortgages-underwater/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/11/underwater.jpg</image:loc><image:title>underwater</image:title></image><lastmod>2009-11-26T17:43:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/09/08/fha-lender-goes-bust/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/09/zi-man-pottery-sepia.jpg</image:loc><image:title>zi-man-pottery-sepia</image:title></image><lastmod>2009-11-26T17:40:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/09/13/the-housing-crisis-is-over%e2%80%93wall-street-journal/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/09/looking-for-the-bottom.jpg</image:loc><image:title>looking-for-the-bottom</image:title><image:caption>Figuring out where the bottom is isn't easy.</image:caption></image><lastmod>2009-11-26T17:33:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/01/8000-dollar-tax-credit-still-time/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/dollar-partial-2.jpg</image:loc><image:title>dollar-partial-2</image:title><image:caption>$8,000 Housing Creidt:  What a Deal</image:caption></image><lastmod>2009-09-07T22:07:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/09/07/will-the-fha-tighten-home-loan-standards/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/09/pic-rr.jpg</image:loc><image:title>FHA-house</image:title></image><lastmod>2009-09-07T21:02:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/24/owning-vs-renting/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/water-st-house.jpg</image:loc><image:title>water-st-house</image:title><image:caption>Another affordable house in Eugene Springfield.</image:caption></image><lastmod>2009-08-30T14:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/29/july%e2%80%99s-home-sales-were-up/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/dolphin.jpg</image:loc><image:title>dolphin</image:title><image:caption>Home sales popped up in July 2009</image:caption></image><lastmod>2009-08-30T02:31:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/26/houses-prices-in-the-west/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/msa-median-house-prices.jpg</image:loc><image:title>msa-median-house-prices</image:title><image:caption>Median house prices of selected western cities.  Q2:  2009.</image:caption></image><lastmod>2009-08-26T14:04:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/31/housing-in-eugene-more-affordable/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/megan.jpg</image:loc><image:title>Megan</image:title><image:caption>3727 Megan:  156K.</image:caption></image><lastmod>2009-08-26T13:34:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/23/renters-receive-protection-in-foreclosure/</loc><mobile:mobile></mobile:mobile><lastmod>2009-08-24T16:28:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/20/tv-story-on-short-sales-and-foreclosures-in-eugene/</loc><mobile:mobile></mobile:mobile><lastmod>2009-08-21T03:56:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/18/conventional-loans-most-popular-in-lane-county/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/loan-types.jpg</image:loc><image:title>loan-types</image:title><image:caption>Loan Types for Home Purchases in Lane County Oregon</image:caption></image><lastmod>2009-09-07T21:10:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/17/july-09-home-sales-up-in-lane-county/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/guard-article-home-sales-july.jpg</image:loc><image:title>guard-article-home-sales-july</image:title><image:caption>Lane County Home Sales up over 10%</image:caption></image><lastmod>2009-08-17T17:47:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/16/houses-under-250k-flying-off-the-shelves-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/house-price-sold.jpg</image:loc><image:title>house-price-sold</image:title><image:caption>House Prices in Eugene Springfield Oregon.</image:caption></image><lastmod>2009-08-16T16:15:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/08/10/eugene-springfield-housing-inventory/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/08/inventory-months.jpg</image:loc><image:title>inventory-months</image:title><image:caption>June 2009 Housing Inventory</image:caption></image><lastmod>2009-08-22T05:12:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/29/home-building-increases/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/house-starts-2009.jpg</image:loc><image:title>house-starts-2009</image:title><image:caption>Annualized Housing Starts Continue to improve in 2009</image:caption></image><lastmod>2009-07-30T05:32:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/29/eugenes-economy-starting-to-thaw/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/boat.jpg</image:loc><image:title>boat</image:title><image:caption>Eugene's economy is improving, but not racing yet.</image:caption></image><lastmod>2009-07-29T14:32:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/27/eugene-entry-level-houses-strong/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/47th.jpg</image:loc><image:title>Short Sale</image:title><image:caption>Short Sale priced at under $100/s.f.</image:caption></image><lastmod>2009-07-27T11:35:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/26/house-prices-trending-up/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/median-price-ribbon.jpg</image:loc><image:title>median-price-ribbon</image:title><image:caption>Median House Prices up for Last 3 Months</image:caption></image><lastmod>2009-07-27T03:04:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/23/tankless-water-heaters-hot-water-or-hot-air/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/tankless-hotwater.jpg</image:loc><image:title>tankless-hotwater</image:title><image:caption>The Inside of a typical Tankless Hotwater Heater</image:caption></image><lastmod>2009-07-25T19:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/25/eugene-home-sales-improve-june-2009/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/months-supply.jpg</image:loc><image:title>Housing Inventory</image:title><image:caption>Lane County Housing Inventory.</image:caption></image><lastmod>2009-07-25T19:22:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/24/zero-down-payment-foreclosures-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/elysium.jpg</image:loc><image:title>Foreclosure</image:title></image><lastmod>2009-07-25T04:15:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/23/476/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/school.jpg</image:loc><image:title>school</image:title></image><lastmod>2009-07-23T13:32:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/23/mid-year-housing-sales-eugene-springfield/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/mls-top-june.jpg</image:loc><image:title>mls-top-june</image:title><image:caption>Mid Year Market Stats:  Eugene Springfield</image:caption></image><lastmod>2009-07-23T12:49:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/21/fannie-mae-multiple-loosens-standards-for-multiple-property-owners/</loc><mobile:mobile></mobile:mobile><lastmod>2009-07-23T04:29:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/22/home-mortgage-rates-up-in-june-2009/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/int-rate-june.jpg</image:loc><image:title>int-rate-june-2009</image:title></image><lastmod>2009-07-23T04:19:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/22/june-median-house-price-lane-county-oregon-14-mm/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/house-price-june.jpg</image:loc><image:title>house-price-june-2009</image:title></image><lastmod>2009-07-23T03:54:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/07/22/eugene-market-time-decreases/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/07/market-time-june.jpg</image:loc><image:title>market-time-june-2009</image:title></image><lastmod>2009-07-23T03:52:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/03/23/fed-money-to-go-green/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/03/flame.jpg</image:loc><image:title>flame</image:title></image><lastmod>2009-03-24T18:40:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/18/how-long-the-recession-will-last/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/money-clip.jpg</image:loc><image:title>money-clip</image:title><image:caption>Low Consumer Spending Will Change</image:caption></image><lastmod>2009-03-05T21:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/17/jumbos-let-them-eat-cake/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/pittock-mansion.jpg</image:loc><image:title>pittock-mansion</image:title><image:caption>Pittock Mansion in Portland.  Used with permission.</image:caption></image><lastmod>2009-02-17T16:07:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/07/gardens-to-gazebos-schimer-associates/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/sanchez-michael.jpg</image:loc><image:title>sanchez-michael</image:title><image:caption>Michael Sanchez:  Landscape Architect</image:caption></image><lastmod>2009-02-15T03:54:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/14/395/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/gansen-mike.jpg</image:loc><image:title>gansen-mike</image:title><image:caption>Mike Gansen, President of the Oregon Home Builders Association</image:caption></image><lastmod>2009-02-15T03:47:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/04/green-show-a-success/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/home-show.jpg</image:loc><image:title>home-show</image:title><image:caption>Eugene's Green Home Show was a busy place.</image:caption></image><lastmod>2009-02-05T16:30:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/02/great-house-plans-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/mcalexander-rick1.jpg</image:loc><image:title>mcalexander-rick1</image:title><image:caption>Rick McAlexander of Associated Design.</image:caption></image><lastmod>2009-02-03T01:05:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/02/01/fannie-virus/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/02/fannie.jpg</image:loc><image:title>fannie</image:title><image:caption>Fannie Mae Headquarters in DC.  Photo by NCinDC.</image:caption></image><lastmod>2009-02-02T01:01:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/30/getting-a-loan-with-low-credit/</loc><mobile:mobile></mobile:mobile><lastmod>2009-01-31T04:26:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/30/oregons-population-rising/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/balboa-park-silloutte.jpg</image:loc><image:title>balboa-park-silloutte</image:title><image:caption>California:  A good place to be from?</image:caption></image><lastmod>2009-01-31T03:45:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/27/hi-credit-for-best-interest-rates/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/sky.jpg</image:loc><image:title>sky</image:title><image:caption>Sky-High Credit is Required for Best Interest Rates.  Photo from Springfield Oregon.</image:caption></image><lastmod>2009-01-27T16:42:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/26/commercial-loans-in-lane-county/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/costello-pat-cropped.jpg</image:loc><image:title>Pat Costello</image:title><image:caption>Pat Costello at Selco</image:caption></image><lastmod>2009-01-26T18:35:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/17/remodel-your-house-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/gilbert-crop-compressed.jpg</image:loc><image:title>gilbert-crop-compressed</image:title><image:caption>Gilber Fierro:  Remodeler extraordinaire</image:caption></image><lastmod>2009-01-24T14:10:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/23/buyers-market-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/eugene-december-stats-2.jpg</image:loc><image:title>eugene-december-stats-2</image:title><image:caption>Real Estate Sales Information:  Greater Eugene Area</image:caption></image><lastmod>2009-01-24T13:54:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/21/tightening-appraisal-standards/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/gibbons-kent.jpg</image:loc><image:title>gibbons-kent</image:title><image:caption>Kent Gibbons:  Residential Appraiser in Eugene Oregon</image:caption></image><lastmod>2009-01-21T17:32:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/19/good-buys-in-crescent-village/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/crescent-far-away.jpg</image:loc><image:title>crescent-far-away</image:title><image:caption>Crescent Village: Eugene's new Urban.</image:caption></image><lastmod>2009-01-20T02:26:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/17/mortgage-interest-rates-have-dipped-to-historical-lows/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/interest-rate-v2.jpg</image:loc><image:title>interest-rate-v2</image:title><image:caption>Interest Rates Have Plummeted.</image:caption></image><lastmod>2009-01-18T03:47:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/17/grants-for-foreclosed-homes/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/century-foreclosure-small.jpg</image:loc><image:title>century-foreclosure-small</image:title><image:caption>Bank Owned Homes in Eugene are becoming more common.</image:caption></image><lastmod>2009-01-18T00:42:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/18/no-inflation-at-least-for-now/</loc><mobile:mobile></mobile:mobile><lastmod>2009-01-17T16:17:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/20/office-to-lease-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/bertleson-office-brent1.jpg</image:loc><image:title>Floorplan 630 Bertleson</image:title><image:caption>Floorplan 630 Bertleson Office</image:caption></image><lastmod>2009-01-17T16:15:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/21/increasing-house-prices-in-2009/</loc><mobile:mobile></mobile:mobile><lastmod>2009-01-17T16:01:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/22/commercial-and-investment-realtors/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/brent-mclean-beauty-shot.jpg</image:loc><image:title>brent-mclean</image:title><image:caption>President Brent McLean</image:caption></image><lastmod>2009-01-17T15:55:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/22/zero-down-payment/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/cody-gielish.jpg</image:loc><image:title>cody-gielish</image:title><image:caption>Cody Gielish:  Specialist in Rural Loans.</image:caption></image><lastmod>2009-01-15T04:02:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/01/low-down-with-fha-loans/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/jared-helton.jpg</image:loc><image:title>jared-helton</image:title><image:caption>Jared Helton, Partner, Infinity Lending Solutions</image:caption></image><lastmod>2009-01-15T03:50:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/27/buy-commercial-space-in-eugene/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/rene-7th.jpg</image:loc><image:title>rene-7th</image:title><image:caption>Good visibility and high traffic counts</image:caption></image><lastmod>2009-08-28T17:27:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/26/metal-buildings/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/evans-ken-compressed.jpg</image:loc><image:title>Ken Evans of Evans Building</image:title><image:caption>Ken Evans on Site</image:caption></image><lastmod>2009-01-15T03:41:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/03/zero-down-still-possible/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/rathburn-kim.jpg</image:loc><image:title>rathburn-kim</image:title><image:caption>Kim Rathburn of OnPoint.</image:caption></image><lastmod>2009-01-15T02:28:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/04/mortgage-rates-should-remain-low/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/fed-reserve.jpg</image:loc><image:title>fed-reserve in DC</image:title><image:caption>Our Federal Reserve Building.  Photo by Dan Smith.</image:caption></image><lastmod>2009-01-15T01:54:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/05/mckenzie-river-view-listing/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/x-mas-eugene-compressed.jpg</image:loc><image:title>Christmas in Eugene Oregon, 2008</image:title><image:caption>Christmas in Eugene Oregon, 2008</image:caption></image><lastmod>2009-01-15T01:48:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/14/nice-santa-clara-house/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/impala-small.jpg</image:loc><image:title>impala</image:title><image:caption>941 Impalla:  249K</image:caption></image><lastmod>2009-01-15T01:09:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2009/01/09/lenders-tighten-standards/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2009/01/freitag-tom.jpg</image:loc><image:title>freitag-tom</image:title><image:caption>Tom Freitag, Loan Broker.  868-1855</image:caption></image><lastmod>2009-01-09T21:40:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/16/the-fed-cut-federal-funds-target-rate/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/housing-starts-graphic.jpg</image:loc><image:title>housing-starts-graphic</image:title><image:caption>Housing Starts Have Plummeted</image:caption></image><lastmod>2009-01-06T21:27:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/25/white-christmas-in-eugene/</loc><mobile:mobile></mobile:mobile><lastmod>2009-01-05T02:40:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/about/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/craig1.jpg</image:loc><image:title>craig1</image:title></image><lastmod>2009-10-06T17:04:09+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://craigtomlinson.biz/2008/12/15/no-evictions/</loc><mobile:mobile></mobile:mobile><lastmod>2009-01-05T01:49:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/2008/12/17/13/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://craigtomlinson.files.wordpress.com/2008/12/header.jpg</image:loc><image:title>header.jpg</image:title></image><lastmod>2009-01-05T01:47:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://craigtomlinson.biz/</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2011-05-22T03:29:15+00:00</lastmod></url></urlset>

