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	<title>NH Home Mortgage&#187; First Time Homebuyer</title>
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	<description>Find your best value on your next home loan.</description>
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		<title>Your Credit vs Loan Quality Initiative</title>
		<link>http://nh-homemortgage.com/credit-lqi/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=credit-lqi</link>
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		<pubDate>Thu, 02 Feb 2012 22:03:07 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Truth in Lending]]></category>

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		<description><![CDATA[Fannie Mae&#8217;s &#8220;Loan Quality Initiative&#8221; What you need to know: Fannie Mae doesn&#8217;t make loans. Banks lend money. Fannie Mae buys loans from banks and securitizes them into mortgage-backed securities that are sold in the bond market. As such, Fannie Mae wants to make sure that every loan it buys to meet its basic underwriting [...]]]></description>
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		<title>7 Deadly Sins of Mortgage Lending</title>
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		<comments>http://nh-homemortgage.com/7-deadly-sins/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 20:31:41 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[On paper, mortgage approvals are easy.  If you have a good credit history, enough income to pay the mortgage and other bills, a house with the required value and equity for your loan program and all the little details can be verified &#8211; you’re approved. Staying approved can be a whole different matter. There are [...]]]></description>
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		<title>Giving Gifts &#8211; the Downpayment Kind</title>
		<link>http://nh-homemortgage.com/gift-giving/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=gift-giving</link>
		<comments>http://nh-homemortgage.com/gift-giving/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 22:12:44 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[Just like presents during the Holidays, there’s a right way and a wrong way to give and receive gift funds for the downpayment on your new home. If you don’t follow the rules, you could jeopardize your mortgage approval. Verifying funds – especially gift funds – is an exercise in “follow the money.” Every step [...]]]></description>
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		<title>FHA vs Conventional Loans</title>
		<link>http://nh-homemortgage.com/fha-vs-conventional/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fha-vs-conventional</link>
		<comments>http://nh-homemortgage.com/fha-vs-conventional/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 14:13:07 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=293</guid>
		<description><![CDATA[Chances are, if you&#8217;re looking for a fixed rate mortgage in New Hampshire, you may qualify for more than one type of loan. If you&#8217;re a first time homebuyer in particular, you may qualify for several. Finding the one that&#8217;s best suited for your needs may be more complicated than asking your neighbor what mortgage [...]]]></description>
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		<title>Don&#8217;t Get Prequalified for a Loan Amount</title>
		<link>http://nh-homemortgage.com/dont-get-prequalified/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=dont-get-prequalified</link>
		<comments>http://nh-homemortgage.com/dont-get-prequalified/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 02:21:04 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Truth in Lending]]></category>

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		<description><![CDATA[When you&#8217;re about to get serious about shopping for a new home, the common logic is to contact a mortgage lender, and provide some information about your income and credit in the hopes of learning what purchase price you can be qualified for. The problem with this model is that you aren&#8217;t qualifying for a [...]]]></description>
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		<title>Mortgage Application Basics</title>
		<link>http://nh-homemortgage.com/mortgage-application-basics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mortgage-application-basics</link>
		<comments>http://nh-homemortgage.com/mortgage-application-basics/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 00:46:01 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>

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		<description><![CDATA[A mortgage loan application is a &#8220;simple&#8221; 4 page document that collects information about  employment and income, assets, debts, credit, and a host of personal information as well. All of this is designed to put all of the key elements required to get a mortgage loan approval in one document. But before you sit down [...]]]></description>
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		<title>Understanding Source of Funds</title>
		<link>http://nh-homemortgage.com/source-of-funds/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=source-of-funds</link>
		<comments>http://nh-homemortgage.com/source-of-funds/#comments</comments>
		<pubDate>Mon, 14 Feb 2011 19:46:09 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[Banks require that all funds used for a purchase transaction be both sourced and seasoned. Knowing what's allowed and what's not early on can prevent surprises at the closing table.]]></description>
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		<title>Shop for a Realtor before you shop for a home</title>
		<link>http://nh-homemortgage.com/nh-real-estate-agent/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=nh-real-estate-agent</link>
		<comments>http://nh-homemortgage.com/nh-real-estate-agent/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 19:34:40 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[Finding the right real estate agent for your next home purchase is a crucial part of the process. Here are a few questions to ask. ]]></description>
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		<title>Communication is Key to a Stress Free Home Purchase</title>
		<link>http://nh-homemortgage.com/communication-home-purchase/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=communication-home-purchase</link>
		<comments>http://nh-homemortgage.com/communication-home-purchase/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 17:02:34 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Why Use a Mortgage Broker]]></category>

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		<description><![CDATA[Buying a home is a huge investment of money, time, emotion and energy. Great communication is the single most important key to a successful, stress-free home purchase. Make sure that you're getting it. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Home for the Holidays</title>
		<link>http://nh-homemortgage.com/home-for-the-holidays/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=home-for-the-holidays</link>
		<comments>http://nh-homemortgage.com/home-for-the-holidays/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 18:34:53 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Why Use a Mortgage Broker]]></category>

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		<description><![CDATA[Helping New Hampshire families find the mortgage they need to buy a home is what we do. Sometimes it&#8217;s the &#8220;tough ones&#8221; that really make the day. Yesterday, I sat at the closing table with a couple I&#8217;ve known since high school, and have been working with on mortgage financing for a little over 2 [...]]]></description>
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