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	<title>The New Jersey Mortgage Blog &#187; First Time HomeBuyer</title>
	<atom:link href="http://newjerseymortgageblog.com/tag/first-time-homebuyer/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>Sun, 06 May 2012 19:41:22 +0000</lastBuildDate>
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		<item>
		<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>How to Get a Background Check on the House You Want to Buy</title>
		<link>http://newjerseymortgageblog.com/how-to-get-a-background-check-on-the-house-you-want-to-buy</link>
		<comments>http://newjerseymortgageblog.com/how-to-get-a-background-check-on-the-house-you-want-to-buy#comments</comments>
		<pubDate>Tue, 05 Jul 2011 16:21:44 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[Home Inspections]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3441</guid>
		<description><![CDATA[When buying a new home, you want to find out if there are any hidden deficiences that might affect your decision to buy that property. Most people have little alternative but to hope that their real estate broker or inspection report will reveal any negatives about the house. Until now. A new service called BuildFax, [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/how-to-get-a-background-check-on-the-house-you-want-to-buy/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Much Can The Seller Contribute To My Closing Costs?</title>
		<link>http://newjerseymortgageblog.com/how-much-can-the-seller-contribute-to-my-closing-costs</link>
		<comments>http://newjerseymortgageblog.com/how-much-can-the-seller-contribute-to-my-closing-costs#comments</comments>
		<pubDate>Mon, 16 May 2011 00:18:50 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Escrow and Closing]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3426</guid>
		<description><![CDATA[Any costs paid by the seller MUST be specified and included in the purchase contract for your home. Sellers can agree to pay all or a portion of your closing costs, prepaids (escrows) and reserves &#8211; up to the maximum permitted. The maximum allowed is based on a percentage of the purchase price. The maximum [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/how-much-can-the-seller-contribute-to-my-closing-costs/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your New Jersey Home Inspector Will Probably Find a Problem</title>
		<link>http://newjerseymortgageblog.com/your-new-jersey-home-inspector-will-probably-find-a-problem</link>
		<comments>http://newjerseymortgageblog.com/your-new-jersey-home-inspector-will-probably-find-a-problem#comments</comments>
		<pubDate>Tue, 01 Mar 2011 05:28:58 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[Home Inspections]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3388</guid>
		<description><![CDATA[Are you selling your home and have a fear about what your buyer&#8217;s inspection will uncover?  Will the inspection blow your deal or cause you to lose money due to problems that must be fixed? Rest assured the buyer&#8217;s inspector is sure to find something wrong &#8211; regardless how minor it may be.  I&#8217;m sure [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/your-new-jersey-home-inspector-will-probably-find-a-problem/feed</wfw:commentRss>
		<slash:comments>0</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>How Much Home Can I Afford in New Jersey?</title>
		<link>http://newjerseymortgageblog.com/how-much-home-can-i-afford-in-new-jersey</link>
		<comments>http://newjerseymortgageblog.com/how-much-home-can-i-afford-in-new-jersey#comments</comments>
		<pubDate>Fri, 28 Jan 2011 20:23:58 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Mortgage Qualifying]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3352</guid>
		<description><![CDATA[How much home can you afford?  How much home do you &#8220;want&#8221; to afford? &#8211; and -  How much home does the lender think you can afford?  All 3 of these questions will undoubtedly yield a different answer as you search for a home to buy in New Jersey. As the lender, how much home [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/how-much-home-can-i-afford-in-new-jersey/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Somerset New Jersey Homes for Sale</title>
		<link>http://newjerseymortgageblog.com/somerset-new-jersey-homes-for-sale</link>
		<comments>http://newjerseymortgageblog.com/somerset-new-jersey-homes-for-sale#comments</comments>
		<pubDate>Wed, 02 Jun 2010 00:44:19 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Buy a New Home]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2731</guid>
		<description><![CDATA[Click to visit listings.  Click to Share on Facebook]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/somerset-new-jersey-homes-for-sale/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>New Jersey Mortgage Applicants:  What NOT To Do While Your Loan Application is Being Processed</title>
		<link>http://newjerseymortgageblog.com/new-jersey-mortgage-applicants-what-not-to-do-while-your-loan-application-is-being-processed</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-mortgage-applicants-what-not-to-do-while-your-loan-application-is-being-processed#comments</comments>
		<pubDate>Sun, 25 Apr 2010 16:54:23 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Mortgage Qualifying]]></category>
		<category><![CDATA[Mortgage Underwriting]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2387</guid>
		<description><![CDATA[To insure mortgage approval and closing, the most important step you can take as a New Jersey mortgage loan applicant is to NOT make any changes to your job or financial picture until your mortgage loan has closed and the keys to the home are in your possession.  I have written about this before, but it [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-mortgage-applicants-what-not-to-do-while-your-loan-application-is-being-processed/feed</wfw:commentRss>
		<slash:comments>0</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>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>Get Set, Get Ready to File Your Taxes and Claim Your Home Buyer Tax Credit</title>
		<link>http://newjerseymortgageblog.com/get-set-get-ready-to-claim-your-home-buyer-tax-credit</link>
		<comments>http://newjerseymortgageblog.com/get-set-get-ready-to-claim-your-home-buyer-tax-credit#comments</comments>
		<pubDate>Wed, 03 Feb 2010 04:14:18 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[First Time Homebuyer Tax Credit]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1937</guid>
		<description><![CDATA[Are you planning to claim the home buyer tax credit when you file your taxes?  If the answer is yes, here are a few things you need to be aware of as you organize your documents. Most important and unknown to most people is that you will NOT be able to do a quick efile if [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/get-set-get-ready-to-claim-your-home-buyer-tax-credit/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>FHA is Making it Tougher to Get a Mortgage; Changes Might Shut the Door For Many Buyers</title>
		<link>http://newjerseymortgageblog.com/fha-is-making-it-tougher-to-get-a-mortgage-changes-will-shut-the-door-for-many-buyers</link>
		<comments>http://newjerseymortgageblog.com/fha-is-making-it-tougher-to-get-a-mortgage-changes-will-shut-the-door-for-many-buyers#comments</comments>
		<pubDate>Wed, 20 Jan 2010 19:48:28 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1821</guid>
		<description><![CDATA[As we warned last year, the guidelines for getting an FHA mortgage will be tougher &#8211; effective early this year.  The announcement with specific changes will be published this week.  Perhaps as early as January 22, we will have the new Mortgagee Letter in hand.   (Mortgagee Letters are used by HUD to inform everyone of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/fha-is-making-it-tougher-to-get-a-mortgage-changes-will-shut-the-door-for-many-buyers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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