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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>Sat, 28 Jan 2012 20:57:41 +0000</lastBuildDate>
	<language>en</language>
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		<item>
		<title>New Guidelines to Refinance Your Mortgage, Even if You&#8217;re Underwater</title>
		<link>http://newjerseymortgageblog.com/new-guidelines-to-refinance-your-mortgage-even-if-youre-underwater</link>
		<comments>http://newjerseymortgageblog.com/new-guidelines-to-refinance-your-mortgage-even-if-youre-underwater#comments</comments>
		<pubDate>Sat, 28 Jan 2012 20:52:24 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Somerset New Jersey Mortgage Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3512</guid>
		<description><![CDATA[Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance program (HARP) and you may be eligible to take advantages of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-guidelines-to-refinance-your-mortgage-even-if-youre-underwater/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Effective November 2011, More Borrowers Will Be Able to Refinance &#8211; Even With No Equity</title>
		<link>http://newjerseymortgageblog.com/effective-nov-2011-more-borrowers-will-be-able-to-refinance-even-with-no-equity</link>
		<comments>http://newjerseymortgageblog.com/effective-nov-2011-more-borrowers-will-be-able-to-refinance-even-with-no-equity#comments</comments>
		<pubDate>Thu, 03 Nov 2011 17:42:29 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Fannie and Freddie]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3488</guid>
		<description><![CDATA[Home Affordable Refinance Program (HARP) is New and Improved The Federal Housing Finance Agency, with Fannie Mae and Freddie Mac, have announced a series of changes to the Home Affordable Refinance Program (HARP) in an effort to attract more borrowers who can benefit from refinancing their mortgage. Under the original HARP guidelines, there were hordes [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/effective-nov-2011-more-borrowers-will-be-able-to-refinance-even-with-no-equity/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>Out-Of-Work Borrowers Getting Special HUD Loans To Avoid Foreclosure</title>
		<link>http://newjerseymortgageblog.com/out-of-work-borrowers-getting-hud-loans-to-avoid-foreclosure</link>
		<comments>http://newjerseymortgageblog.com/out-of-work-borrowers-getting-hud-loans-to-avoid-foreclosure#comments</comments>
		<pubDate>Tue, 25 Jan 2011 18:29:08 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3344</guid>
		<description><![CDATA[In case you missed it, back in October 2010, the U.S. Department of Housing and Urban Development (HUD) announced a new loan program to assist eligible homeowners with payments of mortgage arrearages. The $1 billion plan is available in 32 states and Puerto Rico. According to HUD, &#8220;The program will offer a declining balance, deferred [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/out-of-work-borrowers-getting-hud-loans-to-avoid-foreclosure/feed</wfw:commentRss>
		<slash:comments>0</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>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 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>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 and Freddie]]></category>
		<category><![CDATA[Fannie Mae]]></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. [...]]]></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?  [...]]]></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 [...]]]></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 [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/property-tax-appeals-rising-rapidly-in-new-jersey/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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