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	<title>The New Jersey Mortgage Blog &#187; New Jersey</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>Tue, 17 Aug 2010 03:28:12 +0000</lastBuildDate>
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		<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>0</slash:comments>
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		<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 have more [...]]]></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>Here&#8217;s a List of Resources and Contacts to Help You Modify Your New Jersey Mortgage or Save Your Home From Foreclosure</title>
		<link>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure</link>
		<comments>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure#comments</comments>
		<pubDate>Sun, 14 Mar 2010 23:57:57 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Bailout]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Obama Housing Stimulus]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2300</guid>
		<description><![CDATA[If you can no longer afford your mortgage payment and need assistance and information to help you through the process, visit some of the sites below.  Information will be most critical as you work to stay in your home and/or lower your payment.  You must stay informed.  Do not depend or rely on anything or [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/heres-a-list-of-resources-and-contacts-to-help-you-modify-your-mortgage-or-save-your-home-from-foreclosure/feed</wfw:commentRss>
		<slash:comments>2</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. The [...]]]></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 Property Taxes: Why Must I Pay My Arm AND My Leg?</title>
		<link>http://newjerseymortgageblog.com/new-jersey-property-taxes-why-must-i-pay-my-arm-and-my-leg</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-property-taxes-why-must-i-pay-my-arm-and-my-leg#comments</comments>
		<pubDate>Sat, 16 Jan 2010 02:39:18 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Property Taxes]]></category>
		<category><![CDATA[Refinancing]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1512</guid>
		<description><![CDATA[
New Jersey property taxes are a big monster in local communities that is preying on homeowners.  Local governments and schools in New Jersey collected $23 billion in taxes last year from property owners.  New Jersey’s 2008 median real estate tax bill was $6,320 (as estimated by the 2008 American Community Survey).
Why are they so high?  What [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-property-taxes-why-must-i-pay-my-arm-and-my-leg/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Warning Regarding Mortgage Loan Modification Activity in New Jersey</title>
		<link>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey</link>
		<comments>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey#comments</comments>
		<pubDate>Tue, 09 Jun 2009 23:50:22 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[Home Equity]]></category>
		<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Obama Rescue Plan]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=571</guid>
		<description><![CDATA[
Mortgage loan modification has become very popular over the past year.  Even those who don&#8217;t own a home seem to know something about it or have heard the buzz.
Homeowners with mortgage loans try to get a modification when they find they can no longer afford the mortgage payment but cannot qualify to refinance.  Instead of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/warning-regarding-mortgage-loan-modification-activity-in-new-jersey/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Property Tax Appeals Rising Rapidly in New Jersey</title>
		<link>http://newjerseymortgageblog.com/property-tax-appeals-rising-rapidly-in-new-jersey</link>
		<comments>http://newjerseymortgageblog.com/property-tax-appeals-rising-rapidly-in-new-jersey#comments</comments>
		<pubDate>Wed, 13 May 2009 17:14:08 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Property Taxes]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=209</guid>
		<description><![CDATA[As real estate values have declined, a large number of New Jersey homeowners and business owners are trying to lower their property taxes.  State offices are flooded with appeals.
This is a catch-22 for many municipalities who we know rely on this tax revenue to provide public services.  It seems these tax appeals will only increase [...]]]></description>
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		<slash:comments>0</slash:comments>
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