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	<title>NH Home Mortgage&#187; Loan Process</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>
		<comments>http://nh-homemortgage.com/credit-lqi/#comments</comments>
		<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>
		<link>http://nh-homemortgage.com/7-deadly-sins/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=7-deadly-sins</link>
		<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>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=318</guid>
		<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>APR Explained</title>
		<link>http://nh-homemortgage.com/apr-explained/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=apr-explained</link>
		<comments>http://nh-homemortgage.com/apr-explained/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 18:20:53 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Truth in Lending]]></category>

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		<description><![CDATA[When you apply for a new mortgage, one of the disclosures that you&#8217;re given is the Truth In Lending. This document discloses your Annual Percentage Rate (APR) among other things. It is a disclosure required by the Fed on ALL residential mortgage transactions to help you &#8211; the consumer &#8211; compare loans from different lenders. [...]]]></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>Mortage Rates Throughout the Day</title>
		<link>http://nh-homemortgage.com/mortage-rates-throughout-the-day/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mortage-rates-throughout-the-day</link>
		<comments>http://nh-homemortgage.com/mortage-rates-throughout-the-day/#comments</comments>
		<pubDate>Tue, 10 May 2011 01:10:08 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[Truth in Lending]]></category>

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		<description><![CDATA[According to a recent survey of home buyers, 55% of them didn&#8217;t know that mortgage rates can change throughout the day. In fact they change exactly as often as market forces dictate. Sometimes that means that the first rate sheet of the day for each lender doesn&#8217;t change. Other times the price of a given [...]]]></description>
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		<title>Bi-Weekly Mortgage Payments</title>
		<link>http://nh-homemortgage.com/bi-weekly-mortgage-payments/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=bi-weekly-mortgage-payments</link>
		<comments>http://nh-homemortgage.com/bi-weekly-mortgage-payments/#comments</comments>
		<pubDate>Mon, 02 May 2011 18:18:35 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Truth in Lending]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=266</guid>
		<description><![CDATA[As a homeowner, I frequently get offers from companies looking to save me &#8220;tens of thousands&#8221; of dollars on my mortgage, while I pay if off 7 years sooner. As a mortgage professional, I frequently get offers from companies encouraging me to resell their services to my borrowers so that they can save &#8220;tens of [...]]]></description>
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		<title>How the Loan Officer Compensation Rule Ends the Rate Debate</title>
		<link>http://nh-homemortgage.com/lo-comp-rates/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=lo-comp-rates</link>
		<comments>http://nh-homemortgage.com/lo-comp-rates/#comments</comments>
		<pubDate>Mon, 11 Apr 2011 14:48:37 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Truth in Lending]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=249</guid>
		<description><![CDATA[All loan originators are all working on a fixed compensation plan now, so you should always be offered the best rate you qualify for. But that's just the tip of what you should be concerned with. ]]></description>
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		<title>What Do Appraisers Look For When Determining A Property’s Value?</title>
		<link>http://nh-homemortgage.com/comps-appraised-value/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=comps-appraised-value</link>
		<comments>http://nh-homemortgage.com/comps-appraised-value/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 15:07:02 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Refinance]]></category>

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		<description><![CDATA[There is a formula for how an appraiser determines the market value of a house, and it has nothing to do with the tax assessment. ]]></description>
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