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	<title>The New Jersey Mortgage Blog &#187; Credit Scores</title>
	<atom:link href="http://newjerseymortgageblog.com/tag/credit-scores/feed" rel="self" type="application/rss+xml" />
	<link>http://newjerseymortgageblog.com</link>
	<description>... Keeping New Jersey Consumers and Mortgage Borrowers in the Loop ...... Mortgages, Refinancing, Credit &#38; More...</description>
	<lastBuildDate>Sat, 28 Jan 2012 20:57:41 +0000</lastBuildDate>
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		<title>New Jersey Borrowers Will Pay Much More With Lower Credit Scores</title>
		<link>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores#comments</comments>
		<pubDate>Tue, 04 Jan 2011 02:47:09 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2651</guid>
		<description><![CDATA[Lower credit scores create a heavy financial burden on New Jersey borrowers.  There&#8217;s nothing new about that.  But, after the downturn in our economy, the impact is much more consequential.   Take a peak at the tables below to see the differences in monthly payments with various credit scores. (Note that the interest rates shown are only to [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Caution: That Loan Modification Can Hurt Your Credit Score</title>
		<link>http://newjerseymortgageblog.com/caution-that-loan-modification-can-hurt-your-credit</link>
		<comments>http://newjerseymortgageblog.com/caution-that-loan-modification-can-hurt-your-credit#comments</comments>
		<pubDate>Sun, 07 Nov 2010 20:58:05 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3006</guid>
		<description><![CDATA[Mildred, a homeowner who had recently applied for a New Jersey loan modification, was stunned to find that her near-perfect credit score of 735 fell by 110 points after getting a trial mortgage modification approved by her lender. The score drop occurred despite never having any late payments and all trial payments had been made on time. Nothing unique here.  I [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/caution-that-loan-modification-can-hurt-your-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Another New Lender Change &#8211; Beware of Credit Inquiries Between Application and Closing</title>
		<link>http://newjerseymortgageblog.com/another-new-lender-change-beware-of-credit-inquiries-between-application-and-closing</link>
		<comments>http://newjerseymortgageblog.com/another-new-lender-change-beware-of-credit-inquiries-between-application-and-closing#comments</comments>
		<pubDate>Sun, 12 Sep 2010 01:03:27 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Escrow and Closing]]></category>
		<category><![CDATA[Closing escrow]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2899</guid>
		<description><![CDATA[Effective immediately, before your loan closes, your credit report will be pulled again.  Not to check your score necessarily, but to see if you applied for and obtained credit elsewhere while your loan was in the application and underwriting process.  It could be for a credit card, an auto loan, insurance . . . anything.  [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/another-new-lender-change-beware-of-credit-inquiries-between-application-and-closing/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Higher Credit Scores Will Get You a Lower Rate: Raise Scores With a Secured Visa Credit Card</title>
		<link>http://newjerseymortgageblog.com/improve-your-credit-score-by-establishing-new-credit</link>
		<comments>http://newjerseymortgageblog.com/improve-your-credit-score-by-establishing-new-credit#comments</comments>
		<pubDate>Tue, 18 May 2010 23:35:55 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2632</guid>
		<description><![CDATA[Having a high credit score means more today than I can ever remember.  Your chances of getting credit with a score under 620 is virtually impossible. Just 3 years ago, almost anyone could buy a home and get a mortgage with a 560 score. And, you could have done it with zero down. But unless you [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/improve-your-credit-score-by-establishing-new-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Did You Know?  It is 100% Perfectly Legal to &#8220;Repair&#8221; Your Credit &#8211; And You Should</title>
		<link>http://newjerseymortgageblog.com/did-you-know-it-is-100-perfectly-legal-to-repair-your-credit-and-you-should</link>
		<comments>http://newjerseymortgageblog.com/did-you-know-it-is-100-perfectly-legal-to-repair-your-credit-and-you-should#comments</comments>
		<pubDate>Mon, 17 May 2010 05:53:10 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Credit Bureau]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2601</guid>
		<description><![CDATA[Repairing your credit with the credit bureau is definitely your right and it is completely legal.   In reality, &#8220;credit repair&#8221; may be a poor description.   Who knows where the term originated.   What consumers are really doing is making certain the credit bureau reports accurate information about their debt management.  Credit bureaus cannot report information that [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/did-you-know-it-is-100-perfectly-legal-to-repair-your-credit-and-you-should/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>12 &#8220;Must Know&#8221; Tips For New Home Buyers in New Jersey</title>
		<link>http://newjerseymortgageblog.com/the-most-common-mistakes-made-by-borrowers-when-buying-or-refinancing-a-home</link>
		<comments>http://newjerseymortgageblog.com/the-most-common-mistakes-made-by-borrowers-when-buying-or-refinancing-a-home#comments</comments>
		<pubDate>Tue, 30 Mar 2010 18:40:44 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Downpayment]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Pre-approved]]></category>
		<category><![CDATA[Pre-qualified]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2333</guid>
		<description><![CDATA[For most people, buying a home is the biggest financial investment they will make in a lifetime.  Many homebuyers get involved in the process without knowing all the facts and without knowing how all the various pieces fit together.   Frankly, qualifying for the mortgage may be the simplest piece of the puzzle, yet it&#8217;s where home buyers place [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/the-most-common-mistakes-made-by-borrowers-when-buying-or-refinancing-a-home/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keeping Your Credit Score High While Shopping for a Mortgage in New Jersey</title>
		<link>http://newjerseymortgageblog.com/keeping-your-credit-score-high-while-shopping-for-a-mortgage</link>
		<comments>http://newjerseymortgageblog.com/keeping-your-credit-score-high-while-shopping-for-a-mortgage#comments</comments>
		<pubDate>Sun, 14 Mar 2010 18:37:04 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2275</guid>
		<description><![CDATA[There is a HUGE misunderstanding among MOST mortgage shoppers that whenever a mortgage lender in New Jersey pulls their credit, the score will drop.  Therefore, the borrower decides they have no choice but to shop for a mortgage without the lender seeing their credit at all, or by telling the lender what they believe their [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/keeping-your-credit-score-high-while-shopping-for-a-mortgage/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why New Jersey Borrowers Might NOT Get That Low Advertised Mortgage Rate</title>
		<link>http://newjerseymortgageblog.com/why-you-might-not-get-that-low-advertised-mortgage-rate</link>
		<comments>http://newjerseymortgageblog.com/why-you-might-not-get-that-low-advertised-mortgage-rate#comments</comments>
		<pubDate>Fri, 05 Feb 2010 04:21:01 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1982</guid>
		<description><![CDATA[Okay.  So you&#8217;re thinking to yourself, &#8220;I called that lender because they advertised rates that were so low, but I didn&#8217;t get the rate.&#8221;  Why not? The answer is relatively simple though some lenders don&#8217;t take the time to thoroughly explain it.  Mortgage rates are low, but only if the borrower &#8220;qualifies&#8221; for that low [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/why-you-might-not-get-that-low-advertised-mortgage-rate/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Loan Modifications Can Be Lethal to Credit Scores</title>
		<link>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores</link>
		<comments>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores#comments</comments>
		<pubDate>Fri, 01 Jan 2010 01:40:03 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1485</guid>
		<description><![CDATA[Literally thousands of homeowners are anxiously awaiting or applying for a mortgage modification.  What many fail to realize is that these modifications can devastate one&#8217;s credit score while the modification moves through the trial period. The trial period is the time during which the homeowner will make the modified payment that was pre-established by the lender.  [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/mortgage-loan-modifications-can-be-lethal-to-credit-scores/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Credit Report May Be Under Surveillance as November 30 Approaches</title>
		<link>http://newjerseymortgageblog.com/your-credit-report-may-be-under-surveillance-as-november-30-approaches</link>
		<comments>http://newjerseymortgageblog.com/your-credit-report-may-be-under-surveillance-as-november-30-approaches#comments</comments>
		<pubDate>Tue, 22 Sep 2009 01:51:03 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[First Time Homebuyer Tax Credit]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1220</guid>
		<description><![CDATA[Are you trying to close your mortgage loan before November 30, 2009 to qualify for the first time home buyer tax credit? Did your mortgage consultant warn you about your credit and your credit score?  You can bet your loan that lenders will pull your credit report again before you close that loan.  If anything [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/your-credit-report-may-be-under-surveillance-as-november-30-approaches/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoid Identity Theft by Keeping Watch on Your Credit and Personal Info</title>
		<link>http://newjerseymortgageblog.com/avoid-identity-theft-by-keeping-watch-on-your-credit-file</link>
		<comments>http://newjerseymortgageblog.com/avoid-identity-theft-by-keeping-watch-on-your-credit-file#comments</comments>
		<pubDate>Mon, 31 Aug 2009 16:43:45 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Credit cards]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1069</guid>
		<description><![CDATA[Identity theft seems to grow geometrically by the day.  Much of the problem with identity theft is caused by all the various requests for our personal information that are supposedly going to protect us from fraud.   So let&#8217;s get this straight.   Company A wants to look at and copy all my information to be certain [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/avoid-identity-theft-by-keeping-watch-on-your-credit-file/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Falling Home Prices Spell Disaster For Sellers and Those Wanting to Refinance</title>
		<link>http://newjerseymortgageblog.com/falling-home-prices-spell-disaster-for-sellers-and-those-wanting-to-refinance</link>
		<comments>http://newjerseymortgageblog.com/falling-home-prices-spell-disaster-for-sellers-and-those-wanting-to-refinance#comments</comments>
		<pubDate>Tue, 04 Aug 2009 18:08:51 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Appraisals]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Home Equity]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage Qualifying]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[appraisal value]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=811</guid>
		<description><![CDATA[There&#8217;s no shortage of sellers trying to hold out for a higher sale price for their home. Likewise, there is no shortage of those wanting to refinance opting to hold out for the fathom &#8220;lowest of lowest&#8221; interest rates. Take this example:  A home for sale at 6 Douglas Lane, Lumberton, NJ lost approximately $11,000 [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/falling-home-prices-spell-disaster-for-sellers-and-those-wanting-to-refinance/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>FHA Loans NOT Just for New Jersey 1st Time Homebuyers. Not at All.</title>
		<link>http://newjerseymortgageblog.com/fha-loans-not-just-for-1st-time-homebuyers</link>
		<comments>http://newjerseymortgageblog.com/fha-loans-not-just-for-1st-time-homebuyers#comments</comments>
		<pubDate>Mon, 08 Jun 2009 22:33:17 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Cashout Refinance]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Downpayment]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Underwriting]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=565</guid>
		<description><![CDATA[The rumor that FHA mortgages are only for New Jersey first time homebuyers has circulated for many years.  I have heard it since I first began in the mortgage business many years ago. Let me confirm:  It is a BAD RUMOR.  Total misinformation. Anyone can get an FHA mortgage loan &#8211; anyone who qualifies of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/fha-loans-not-just-for-1st-time-homebuyers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Shopping &#8220;Online&#8221; Versus Finding a Local New Jersey Expert? What To Do?</title>
		<link>http://newjerseymortgageblog.com/mortgage-shopping-online-versus-finding-a-local-expert</link>
		<comments>http://newjerseymortgageblog.com/mortgage-shopping-online-versus-finding-a-local-expert#comments</comments>
		<pubDate>Wed, 03 Jun 2009 03:31:34 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=518</guid>
		<description><![CDATA[Most will agree that, undeniably,  the Internet is a great source of information about nearly everything.  What can&#8217;t you find online? There are many items I would not (or cannot) buy anywhere else but online.  Things like pricey computer accessories, books, personalized items, car tires (yes, tires), vitamins, and lots more. But I would not [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/mortgage-shopping-online-versus-finding-a-local-expert/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Common, But Little Understood Reason Why Many Mortgage Refinances Get Stuck Against a Brick Wall</title>
		<link>http://newjerseymortgageblog.com/common-but-little-understood-reason-why-many-mortgage-refinances-get-stuck-against-a-brick-wall</link>
		<comments>http://newjerseymortgageblog.com/common-but-little-understood-reason-why-many-mortgage-refinances-get-stuck-against-a-brick-wall#comments</comments>
		<pubDate>Mon, 01 Jun 2009 20:44:54 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Subordination]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=507</guid>
		<description><![CDATA[If you are a homeowner/borrower, odds are you have never heard of the term &#8220;subordination&#8221; as it applies to a mortgage transaction. But if you are a mortgage holder with both a 1st (primary) mortgage AND a home equity loan or home equity line of credit on the same property, you will find out all [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/common-but-little-understood-reason-why-many-mortgage-refinances-get-stuck-against-a-brick-wall/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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