<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>http://mattsmemos.com/2010/06/22/no-cost-free-refinances-are-back/</loc><lastmod>2010-06-22T21:18:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/06/16/being-professional-means-being-personal/</loc><lastmod>2010-07-05T17:46:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/04/02/cheap-mortgages-may-last-as-investors-replace-fed/</loc><lastmod>2010-05-28T19:19:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/05/04/good-advice-is-not-static/</loc><lastmod>2010-05-28T18:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/03/22/its-the-climb/</loc><lastmod>2010-05-28T18:55:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/about/</loc><lastmod>2010-05-26T23:58:23+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://mattsmemos.com/what-matts-clients-are-saying/</loc><lastmod>2010-05-20T20:59:36+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://mattsmemos.com/2010/03/29/more-tax-credits-available-for-california-home-buyers-but-you-better-act-fast/</loc><lastmod>2010-03-30T04:40:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/03/16/only-22-of-california-consumers-were-happy-with-their-real-estate-agent-in-2009-wow/</loc><lastmod>2010-03-16T16:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/02/04/5-reasons-5-reasons-why-refinancing-may-be-a-good-option-now/</loc><lastmod>2010-02-25T01:07:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/02/17/matts-2010-market-forecast/</loc><lastmod>2010-02-17T23:16:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/01/25/what-does-your-bumper-sticker-say/</loc><lastmod>2010-01-26T03:52:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/01/07/even-more-tax-credits-for-california-home-buyers-on-the-way/</loc><lastmod>2010-01-08T00:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/12/02/ben-bernanke-friend-or-foe/</loc><lastmod>2009-12-02T21:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/11/20/look-around-within-out-to-instill-a-thankful-attitude/</loc><lastmod>2009-12-04T06:05:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/11/05/home-buyer-tax-credit-extension-nearly-a-done-deal/</loc><lastmod>2009-11-05T16:44:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/10/06/expect-mortgage-rates-to-rise/</loc><lastmod>2009-10-06T21:46:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/10/01/mortgage-rate-rally/</loc><lastmod>2009-10-01T23:37:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/15/waiting-for-the-market-to-bottom-out-you-may-be-too-late/</loc><lastmod>2009-09-15T23:10:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/10/study-finds-walkable-neighborhoods-command-higher-prices/</loc><lastmod>2009-09-10T18:21:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/03/a-letter-from-spencer/</loc><lastmod>2009-09-03T21:51:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/08/31/rates-are-down-but-dont-hold-your-breath/</loc><lastmod>2009-08-31T22:14:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/08/05/opt-in-to-opt-out/</loc><lastmod>2009-08-05T22:03:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/07/27/time-management/</loc><lastmod>2009-07-27T18:36:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/07/24/folsom-home-prices-remain-resilient/</loc><lastmod>2009-07-27T18:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/06/10/preach-what-you-practice/</loc><lastmod>2009-06-11T01:23:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/30/win-some-learn-some/</loc><lastmod>2009-04-30T21:39:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/16/loan-modification-opportunity-courtesy-of-president-obama/</loc><lastmod>2009-04-16T16:32:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/august-2008-challenges/</loc><lastmod>2009-04-04T05:33:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/september-2006-dreams-fascination/</loc><lastmod>2009-04-04T05:31:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/march-2009-hurricanes/</loc><lastmod>2009-04-04T05:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/amazing-refinance-possibilitiesa-must-read/</loc><lastmod>2009-04-04T05:10:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/december-2007-life-to-do-list-revisited/</loc><lastmod>2009-04-04T00:19:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/october-2008-setting-the-record-straight-about-credit-markets/</loc><lastmod>2009-04-03T23:36:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/november-2008-my-favorite-quotes-from-leaders/</loc><lastmod>2009-04-03T23:30:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/january-2009-my-market-forecast/</loc><lastmod>2009-04-03T23:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/june-2008-get-out-therein-your-world/</loc><lastmod>2009-04-03T23:04:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2008-get-out-therein-your-community/</loc><lastmod>2009-04-03T23:03:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/april-2008-get-out-there-a-la-spencer/</loc><lastmod>2009-04-03T23:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/march-2008-cest-la-vie/</loc><lastmod>2009-04-03T23:00:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/february-2008-living-in-gratitude/</loc><lastmod>2009-04-03T22:58:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/july-2007-working-and-playing-smart/</loc><lastmod>2009-04-03T22:47:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2007-thanks-for-the-memories-and-great-expectations/</loc><lastmod>2009-04-03T22:45:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/august-2006-100-things-list/</loc><lastmod>2009-04-03T22:35:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2006-goldilocks/</loc><lastmod>2009-04-03T22:34:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/october-2005-words-arent-enough/</loc><lastmod>2009-04-03T22:31:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/june-2005-wedding-magic/</loc><lastmod>2009-04-03T22:30:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2010-07-05T17:46:21+00:00</lastmod></url></urlset>
