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	<title>The New Jersey Mortgage Blog &#187; Refinance</title>
	<atom:link href="http://newjerseymortgageblog.com/tag/refinance/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>
	<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>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>New Jersey Borrowers Will Pay Much More With Lower Credit Scores</title>
		<link>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores</link>
		<comments>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores#comments</comments>
		<pubDate>Tue, 04 Jan 2011 02:47:09 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2651</guid>
		<description><![CDATA[Lower credit scores create a heavy financial burden on New Jersey borrowers.  There&#8217;s nothing new about that.  But, after the downturn in our economy, the impact is much more consequential.   Take a peak at the tables below to see the differences in monthly payments with various credit scores. (Note that the interest rates shown are only to [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/new-jersey-borrowers-will-pay-much-more-with-lower-credit-scores/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Own a Home in New Jersey and Want to Refinance With the Lowest Possible Payment</title>
		<link>http://newjerseymortgageblog.com/i-own-a-home-in-new-jersey-and-want-to-refinance-with-the-lowest-possible-payment</link>
		<comments>http://newjerseymortgageblog.com/i-own-a-home-in-new-jersey-and-want-to-refinance-with-the-lowest-possible-payment#comments</comments>
		<pubDate>Mon, 13 Dec 2010 01:43:13 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Adjustable Rate Mortgage]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[7/1 ARM]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3229</guid>
		<description><![CDATA[Would we agree everybody wants the lowest payment and the lowest interest rate?  I&#8217;ve never had a borrower tell me they want the highest rate possible.  Really, I haven&#8217;t. How can I lower my payment the most?  I get the question a lot.  Most borrowers who close their loan could have gotten a lower monthly [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/i-own-a-home-in-new-jersey-and-want-to-refinance-with-the-lowest-possible-payment/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>Is the 30-Year Mortgage a Con?</title>
		<link>http://newjerseymortgageblog.com/is-the-30-year-mortgage-a-con</link>
		<comments>http://newjerseymortgageblog.com/is-the-30-year-mortgage-a-con#comments</comments>
		<pubDate>Tue, 21 Sep 2010 03:28:12 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Somerset New Jersey Mortgage Refinance]]></category>
		<category><![CDATA[30-Year Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3087</guid>
		<description><![CDATA[No, the 30-year mortgage is not a con &#8211; not exactly.  But it sure is a good deal for the fat-wallet Wall Street banks.  If I could get large groups of people to pay me interest for 30 years, it would make my day. The large majority of borrowers have 30 year mortgages because that&#8217;s what [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/is-the-30-year-mortgage-a-con/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tell Me Simply, Why Are Mortgage Rates So Low Right Now?</title>
		<link>http://newjerseymortgageblog.com/tell-me-simply-why-are-mortgage-rates-so-low-right-now</link>
		<comments>http://newjerseymortgageblog.com/tell-me-simply-why-are-mortgage-rates-so-low-right-now#comments</comments>
		<pubDate>Wed, 07 Jul 2010 21:49:14 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3042</guid>
		<description><![CDATA[Avoiding a course in Economics, let me share one of the primary causes of mortgage rate fluctuations &#8211; in a very simple manner. When people, companies, etc., want to invest their money, they make decisions about how much risk they want to take.  With our economy and the overseas economy being rather up and down [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/tell-me-simply-why-are-mortgage-rates-so-low-right-now/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>But Won&#8217;t It Benefit Me If I Refinance With My &#8220;Current&#8221; Lender Since They Know My History?</title>
		<link>http://newjerseymortgageblog.com/but-wont-it-benefit-me-if-i-refinance-with-my-current-lender</link>
		<comments>http://newjerseymortgageblog.com/but-wont-it-benefit-me-if-i-refinance-with-my-current-lender#comments</comments>
		<pubDate>Mon, 05 Jul 2010 19:52:54 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=3010</guid>
		<description><![CDATA[It is quite common to hear borrowers say they will refinance or want to refinance with their current mortgage lender because they have good credit and have paid their mortgage on time.  The thought behind this is that the current lender will give them something great because of their good history.  This is a fallacy. [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/but-wont-it-benefit-me-if-i-refinance-with-my-current-lender/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Is Now a Good Time to Refinance My Mortgage or is There Reason to Wait?</title>
		<link>http://newjerseymortgageblog.com/is-now-a-good-time-to-refinance-my-mortgage-or-is-there-reason-to-wait</link>
		<comments>http://newjerseymortgageblog.com/is-now-a-good-time-to-refinance-my-mortgage-or-is-there-reason-to-wait#comments</comments>
		<pubDate>Mon, 07 Jun 2010 01:42:05 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2810</guid>
		<description><![CDATA[Visit msnbc.com for breaking news, world news, and news about the economy In case you have missed the headline financial news over the past few days, mortgage rates are once again quite low.  Check it out on this video featuring Today Show finance expert, Jean Chatzky. What caused the drop?  On Thursday, June 3, the jobs [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/is-now-a-good-time-to-refinance-my-mortgage-or-is-there-reason-to-wait/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Self-Employed in New Jersey and Need Mortgage Financing?  5 Things You Need to Know</title>
		<link>http://newjerseymortgageblog.com/are-you-self-employed-in-new-jersey-and-need-mortgage-financing-5-things-you-need-to-know</link>
		<comments>http://newjerseymortgageblog.com/are-you-self-employed-in-new-jersey-and-need-mortgage-financing-5-things-you-need-to-know#comments</comments>
		<pubDate>Sun, 06 Jun 2010 16:43:54 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Self-employed]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2646</guid>
		<description><![CDATA[Nothing beats being your own boss, except maybe when you go to apply for a mortgage loan. When the time comes that you need financing for your home, getting qualified and approved involves a different set of circumstances than what’s typical for the salaried borrower.  But it&#8217;s nothing that proper planning can&#8217;t conquer.  Self-employed borrowers [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/are-you-self-employed-in-new-jersey-and-need-mortgage-financing-5-things-you-need-to-know/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>Are Mortgage Loans Still Available In New Jersey for Self-Employed Borrowers?</title>
		<link>http://newjerseymortgageblog.com/are-mortgage-loans-available-in-new-jersey-for-self-employed-borrowers</link>
		<comments>http://newjerseymortgageblog.com/are-mortgage-loans-available-in-new-jersey-for-self-employed-borrowers#comments</comments>
		<pubDate>Thu, 28 Jan 2010 18:12:33 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Purchasing a New Home]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Self-employed]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1895</guid>
		<description><![CDATA[Yesterday, I got a call from a woman who owns her own bookstore. She was calling to see about possibilities of refinancing. She now has an interest only mortgage loan that she wants to refinance to a 30-year fixed. When she got her mortgage 5 years ago, she qualified using a program called &#8220;No Income [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/are-mortgage-loans-available-in-new-jersey-for-self-employed-borrowers/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Can I Refinance My Mortgage in New Jersey With No Closing Costs?</title>
		<link>http://newjerseymortgageblog.com/how-can-i-refinance-my-mortgage-with-no-closing-costs</link>
		<comments>http://newjerseymortgageblog.com/how-can-i-refinance-my-mortgage-with-no-closing-costs#comments</comments>
		<pubDate>Mon, 04 Jan 2010 01:38:44 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Somerset New Jersey Mortgage Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1735</guid>
		<description><![CDATA[What borrower hasn&#8217;t heard about the no cost refinance, the no fee refinance, or the free refinance? The terminology may differ, but it&#8217;s all the same thing.  A way for homeowners to refinance with zero or minimal closing costs paid by the borrower.  Typical closing costs include title search fees, title insurance, courier fees, flood certification fees, [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/how-can-i-refinance-my-mortgage-with-no-closing-costs/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Help!! I Can&#8217;t Refinance and I&#8217;m Having Trouble Getting a Loan Modification</title>
		<link>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification</link>
		<comments>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification#comments</comments>
		<pubDate>Tue, 06 Oct 2009 19:33:11 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Making Home Affordable]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1269</guid>
		<description><![CDATA[Sound familiar?  It seems many people are having trouble getting their lender/servicer to modify their loans.  Many lenders are just not abiding by the guidelines they said they would follow after taking TARP funds under the Obama Stimulus Plan. Where are the Mortgage Modification Police?   Word has it they all lost their homes so no [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/help-i-cant-refinance-and-im-having-trouble-getting-a-loan-modification/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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