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	<title>The New Jersey Mortgage Blog &#187; FHA Streamline</title>
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	<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>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>
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		<slash:comments>0</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>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>FHA Streamline Refinance Rules Changing For The Worse, Much Worse &#8211; as of November 2009</title>
		<link>http://newjerseymortgageblog.com/fha-streamline-refinance-rules-changing-for-the-worse-much-worse-as-of-november-2009</link>
		<comments>http://newjerseymortgageblog.com/fha-streamline-refinance-rules-changing-for-the-worse-much-worse-as-of-november-2009#comments</comments>
		<pubDate>Tue, 29 Sep 2009 21:32:20 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[FHA Mortgage]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1247</guid>
		<description><![CDATA[Massive, massive changes upcoming that will kill the FHA Streamline as we have known it for so many years. The new rules will make it impossible for most borrowers (my conclusion) to refinance using FHA Streamline. No doubt, more changes will follow that are not beneficial to borrowers. But the changes defy the very foundation [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/fha-streamline-refinance-rules-changing-for-the-worse-much-worse-as-of-november-2009/feed</wfw:commentRss>
		<slash:comments>4</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>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Your ONLY Chance to Refinance Your New Jersey Mortgage With Less Than Sparkling (Bad) Credit</title>
		<link>http://newjerseymortgageblog.com/your-only-chance-to-refinance-with-less-than-sparkling-bad-credit</link>
		<comments>http://newjerseymortgageblog.com/your-only-chance-to-refinance-with-less-than-sparkling-bad-credit#comments</comments>
		<pubDate>Tue, 26 May 2009 19:20:42 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=457</guid>
		<description><![CDATA[Anyone who has not been living in a cave for the past year have heard the sob stories from lenders and the sad state of lender balance sheets.  Lenders are not interested in loaning money to those with poor credit.  And we must confess, it makes perfect sense.  When there are indications that the applicant [...]]]></description>
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		<slash:comments>0</slash:comments>
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