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	<title>NH Home Mortgage&#187; Purchase</title>
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	<description>Find your best value on your next home loan.</description>
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		<title>Buying a House without 20% Down</title>
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		<pubDate>Fri, 16 Mar 2012 21:56:16 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[First Time Homebuyer]]></category>
		<category><![CDATA[Purchase]]></category>

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		<description><![CDATA[It’s true. There are fewer no money down mortgage options today than there were a few years ago, but if you’ve heard that today you need 20% down to buy a house, you’ve been misinformed. In 2007, the mortgage industry was thick with mortgage lenders offering 100% financing. There were different rates and different PMI [...]]]></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>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=324</guid>
		<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>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>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=289</guid>
		<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>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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		<title>Understanding the Funding Fee</title>
		<link>http://nh-homemortgage.com/funding-fee/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=funding-fee</link>
		<comments>http://nh-homemortgage.com/funding-fee/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 14:53:42 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[FHA]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[USDA/RD]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[Rural Development/USDA]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=231</guid>
		<description><![CDATA["Why is my mortgage larger than my loan amount?" Government loans exchange part or all of the monthly mortgage insurance premium for a Funding Fee - a one time, paid at closing, usually financed, insurance premium. There's a good reason for this.]]></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>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=226</guid>
		<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>How do I know if it’s a Condo?</title>
		<link>http://nh-homemortgage.com/is-it-a-condo/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=is-it-a-condo</link>
		<comments>http://nh-homemortgage.com/is-it-a-condo/#comments</comments>
		<pubDate>Wed, 26 Jan 2011 21:06:19 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Truth in Lending]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=207</guid>
		<description><![CDATA[Getting a mortgage for a condo in New Hampshire is a VERY different process than it was a few years ago. Many of the "streamline" options for condo project approval have been eliminated, which means extra guidelines to meet, documents to collect and pitfalls to avoid.]]></description>
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