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	<title>The New Jersey Mortgage Blog &#187; FHA Mortgage</title>
	<atom:link href="http://newjerseymortgageblog.com/tag/fha-mortgage/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 Mortgage Rates Are Going Up &amp; Down Every Day</title>
		<link>http://newjerseymortgageblog.com/new-jersey-mortgage-rates-are-going-up-down-every-day</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-mortgage-rates-are-going-up-down-every-day#comments</comments>
		<pubDate>Fri, 09 Sep 2011 21:03:05 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3472</guid>
		<description><![CDATA[There has always been a saying in the mortgage business that &#8220;You can&#8217;t beat the market.&#8221;  If you could and if it were that easy, we would all be rich, right?  Mortgage rates are based on what&#8217;s happening in securities and on Wall Street.  So, just as you probably have not struck it rich by [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-mortgage-rates-are-going-up-down-every-day/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why You Should Buy That New Jersey Home Now !!</title>
		<link>http://newjerseymortgageblog.com/why-you-should-buy-that-new-jersey-home-now</link>
		<comments>http://newjerseymortgageblog.com/why-you-should-buy-that-new-jersey-home-now#comments</comments>
		<pubDate>Thu, 17 Feb 2011 03:00:10 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[Downpayment]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3377</guid>
		<description><![CDATA[If you want to buy a home in New Jersey and you thought all the bad news was behind us, think again.  Changes in the markets that are not appealing to buyers continue to occur.  Now there&#8217;s media news that there may be plans to: Cease Government backing of Fannie Mae and Freddie Mac Increase FHA mortgage [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/why-you-should-buy-that-new-jersey-home-now/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Higher FHA Mortgage Insurance Will Increase Your New Jersey Mortgage Payment</title>
		<link>http://newjerseymortgageblog.com/the-higher-fha-mortgage-insurance-will-increase-your-new-jersey-mortgage-payment</link>
		<comments>http://newjerseymortgageblog.com/the-higher-fha-mortgage-insurance-will-increase-your-new-jersey-mortgage-payment#comments</comments>
		<pubDate>Fri, 21 Jan 2011 21:20:44 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3308</guid>
		<description><![CDATA[During the latter part of 2010, FHA mortgage insurance premium requirements changed once again and New Jersey borrowers must now pay higher mortgage payments. The monthly mortgage insurance jumped from .55% to .90% of the loan amount for loans with less than a 5% down payment (less than 5% equity on refinances). For loans with a [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/the-higher-fha-mortgage-insurance-will-increase-your-new-jersey-mortgage-payment/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>6 Things New Jersey Buyers Must Know About FHA Mortgage Loans</title>
		<link>http://newjerseymortgageblog.com/6-things-new-jersey-buyers-must-know-about-fha-mortgage-loans</link>
		<comments>http://newjerseymortgageblog.com/6-things-new-jersey-buyers-must-know-about-fha-mortgage-loans#comments</comments>
		<pubDate>Wed, 22 Dec 2010 02:19:00 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3181</guid>
		<description><![CDATA[No one will argue that in our current economy, getting an FHA insured mortgage in New Jersey is a much easier feat than getting approval for a conventional loan. Standard conventional programs under Fannie Mae and Freddie Mac have a multitude of conditions borrowers must meet &#8211; and they can be tough.  But even though conventional [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/6-things-new-jersey-buyers-must-know-about-fha-mortgage-loans/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Do Lenders Waste Borrowers&#8217; Time If The Loan Can&#8217;t Be Done?</title>
		<link>http://newjerseymortgageblog.com/why-do-lenders-waste-borrowers-time-if-the-loan-cant-be-done</link>
		<comments>http://newjerseymortgageblog.com/why-do-lenders-waste-borrowers-time-if-the-loan-cant-be-done#comments</comments>
		<pubDate>Thu, 14 Oct 2010 05:03:35 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Cashout Refinance]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3139</guid>
		<description><![CDATA[If you&#8217;re looking to apply for a mortgage loan, read this article from the Philadelphia Inquirer before you pick a lender.  Columnist, Al Heavens tells it just the way it is.  And it&#8217;s a story that&#8217;s all too common. The borrower wants to refinance and makes a call to a lender.  Let&#8217;s face it.  Without a [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/why-do-lenders-waste-borrowers-time-if-the-loan-cant-be-done/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Another Big FHA Change That Will Make You Pay More &#8211; Effective October 4, 2010</title>
		<link>http://newjerseymortgageblog.com/another-big-fha-change-that-will-make-you-pay-more-effective-october-4-2010</link>
		<comments>http://newjerseymortgageblog.com/another-big-fha-change-that-will-make-you-pay-more-effective-october-4-2010#comments</comments>
		<pubDate>Thu, 23 Sep 2010 00:06:49 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3121</guid>
		<description><![CDATA[Have you been sitting on the sidelines waiting to refinance your FHA loan?  After reading this, you might want to put some pep in your step, or else you will pay much, much more And here&#8217;s why. Effective October 4, 2010, when you apply for an FHA mortgage, the cost of your monthly mortgage insurance will [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/another-big-fha-change-that-will-make-you-pay-more-effective-october-4-2010/feed</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>FHA Mortgage Insurance Premiums Changing Once Again Effective September 7, 2010 &#8211; Your Payment Will Increase</title>
		<link>http://newjerseymortgageblog.com/fha-mortgage-insurance-premiums-changing-once-again-effective-september-7-2010-your-payment-will-increase</link>
		<comments>http://newjerseymortgageblog.com/fha-mortgage-insurance-premiums-changing-once-again-effective-september-7-2010-your-payment-will-increase#comments</comments>
		<pubDate>Mon, 09 Aug 2010 01:00:04 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Upfront Mortgage Insurance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3064</guid>
		<description><![CDATA[Will they ever get it right? David Stevens, Federal Housing Commissioner, has issued a &#8220;Special Edition&#8221; press release confirming that both upfront and monthly required FHA mortgage insurance will be modified on all FHA case numbers issued on or after September 7, 2010.  The changes will have a huge impact on any FHA borrower who needs to [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/fha-mortgage-insurance-premiums-changing-once-again-effective-september-7-2010-your-payment-will-increase/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey Mortgage Shoppers Can Rob The Bank With a Long Term Adjustable Rate Mortgage &#8211; Get the Facts Before You Judge</title>
		<link>http://newjerseymortgageblog.com/new-jersey-mortgage-shoppers-can-rob-the-bank-with-a-long-term-adjustable-rate-mortgage-get-the-facts-before-you-judge</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-mortgage-shoppers-can-rob-the-bank-with-a-long-term-adjustable-rate-mortgage-get-the-facts-before-you-judge#comments</comments>
		<pubDate>Sun, 09 May 2010 03:33:50 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Adjustable Rate Mortgage]]></category>
		<category><![CDATA[Cashout Refinance]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[5/1 ARM]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2446</guid>
		<description><![CDATA[The 5-Year ARM Is a Mortgage Steal Any borrower in the market for a mortgage loan in New Jersey right now should NOT pass up the savings that can be had with the 5/1 adjustable rate mortgage.  Rates are unbelievably low compared to the 30-year fixed rate.  These mortgages are prime rate, Fannie Mae and FHA [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-mortgage-shoppers-can-rob-the-bank-with-a-long-term-adjustable-rate-mortgage-get-the-facts-before-you-judge/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New Jersey Realtors Can Sell More Homes Faster With FHA Financing</title>
		<link>http://newjerseymortgageblog.com/neww-jersey-realtors-can-sell-more-homes-faster-with-fha-financing</link>
		<comments>http://newjerseymortgageblog.com/neww-jersey-realtors-can-sell-more-homes-faster-with-fha-financing#comments</comments>
		<pubDate>Sun, 25 Apr 2010 17:57:41 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Realtors]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2393</guid>
		<description><![CDATA[Over the last 2 years, the FHA mortgage program has undergone major changes that has made it the financing option of choice amongst about 35% of home buyers and homeowners who are refinancing.   FHA has always been available to help people get financing who otherwise might not qualify to get a low rate, attractive mortgage.   [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/neww-jersey-realtors-can-sell-more-homes-faster-with-fha-financing/feed</wfw:commentRss>
		<slash:comments>2</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>New Jersey FHA Loans &#8211; Mortgages Still Available With Low Down Payments</title>
		<link>http://newjerseymortgageblog.com/new-jersey-fha-loans-mortgages-still-available-with-low-down-payments</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-fha-loans-mortgages-still-available-with-low-down-payments#comments</comments>
		<pubDate>Fri, 19 Mar 2010 07:06:17 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Downpayment]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2318</guid>
		<description><![CDATA[More borrowers than ever before are flocking to New Jersey FHA loans to buy new homes and to refinance their current higher rate mortgages. A mortgage backed and insured by FHA remains very popular for many New Jersey homeowners.  Currently, the minimum down payment for FHA is 3.5%.  However, later this year, buyers might need to [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-fha-loans-mortgages-still-available-with-low-down-payments/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Streamline FHA Refinancing in New Jersey &#8211; &#8220;AFTER&#8221; the Changes</title>
		<link>http://newjerseymortgageblog.com/streamline-fha-refinancing-in-new-jersey-after-the-changes</link>
		<comments>http://newjerseymortgageblog.com/streamline-fha-refinancing-in-new-jersey-after-the-changes#comments</comments>
		<pubDate>Tue, 23 Feb 2010 02:18:03 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2109</guid>
		<description><![CDATA[For many, many years, the FHA Streamline refinance was a borrower&#8217;s dream.  Once upon a time, a homeowner/borrower could easily and quickly refinance their FHA mortgage loan and get a lower rate and payment with no qualifying at all.  No appraisal was required, no credit check, no credit score, no job verification. Gone are those days. [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/streamline-fha-refinancing-in-new-jersey-after-the-changes/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>New Jersey Buyers Can Now Purchase Foreclosed Properties Using FHA Financing w/o Regard to 90-Day Anti-Flip Rule</title>
		<link>http://newjerseymortgageblog.com/new-jersey-buyers-can-now-purchase-foreclosure-properties-using-fha-financing-wo-regard-to-90-day-anti-flip-rule</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-buyers-can-now-purchase-foreclosure-properties-using-fha-financing-wo-regard-to-90-day-anti-flip-rule#comments</comments>
		<pubDate>Thu, 04 Feb 2010 03:09:16 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1963</guid>
		<description><![CDATA[Effective February 1, 2010, a new policy goes into effect that will speed the resale of foreclosed properties to buyers in New Jersey and other states. To help achieve the national goal of stabilizing home values and improving conditions in communities where foreclosure activity is high, Shaun Donovan, HUD Secretary, announced a temporary policy that will permit [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-buyers-can-now-purchase-foreclosure-properties-using-fha-financing-wo-regard-to-90-day-anti-flip-rule/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>New Jersey FHA Loan Limits Effective January 2010</title>
		<link>http://newjerseymortgageblog.com/fha-loan-limits-in-new-jersey-effective-january-2010</link>
		<comments>http://newjerseymortgageblog.com/fha-loan-limits-in-new-jersey-effective-january-2010#comments</comments>
		<pubDate>Thu, 04 Feb 2010 02:02:58 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1945</guid>
		<description><![CDATA[FHA loan limits vary by county and state where you want to buy.  It is well understood that home prices vary throughout the country.  What $100,000 will buy in Miami won&#8217;t buy you a hut in San Francisco.  You should check to be certain the home you want to buy fits into the FHA loan parameters if [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/fha-loan-limits-in-new-jersey-effective-january-2010/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The &#8220;New&#8221; FHA Mortgage for 2010 &#8211; After April 5, It Will Cost You More $$$$</title>
		<link>http://newjerseymortgageblog.com/the-new-fha-mortgage-for-2010-it-will-cost-you-more</link>
		<comments>http://newjerseymortgageblog.com/the-new-fha-mortgage-for-2010-it-will-cost-you-more#comments</comments>
		<pubDate>Tue, 02 Feb 2010 20:40:10 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1925</guid>
		<description><![CDATA[Effective April 5, 2010, it will cost you more to buy a home using FHA.  With the market still trying to correct itself, FHA has insured more mortgage loans than ever before over the past 18 months.  More loans mean more risk is being assumed.  With more risk comes greater cost &#8211; passed on to the [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/the-new-fha-mortgage-for-2010-it-will-cost-you-more/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
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