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	<title>NH Home Mortgage&#187; Truth in Lending</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>Consumer Choices &#8211; Opting Out</title>
		<link>http://nh-homemortgage.com/opting-out/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=opting-out</link>
		<comments>http://nh-homemortgage.com/opting-out/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 19:50:29 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Truth in Lending]]></category>

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		<description><![CDATA[Are you familiar with the National Do Not Call Registry? That is the service  where you can register your phone and cell phone number to opt out of sales and marketing calls. As of 2008, if you registered a phone number there, you will remain on the DNC list forever (if you registered prior to [...]]]></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>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>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>
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		<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>

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		<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>

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		<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>The Fallacy of “In House” Underwriting</title>
		<link>http://nh-homemortgage.com/in-house-underwriting/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=in-house-underwriting</link>
		<comments>http://nh-homemortgage.com/in-house-underwriting/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 22:05:56 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Truth in Lending]]></category>
		<category><![CDATA[Why Use a Mortgage Broker]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=236</guid>
		<description><![CDATA[Some lenders would have you believe that the only way you can get a mortgage today is from someone who has "in house underwriting," because that's what they do. It's not the boon they claim.]]></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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		<title>Top 5 Market Factors That Affect Mortgage Rates</title>
		<link>http://nh-homemortgage.com/top-5-market-factors/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=top-5-market-factors</link>
		<comments>http://nh-homemortgage.com/top-5-market-factors/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 18:34:44 +0000</pubDate>
		<dc:creator>Greg Fischer</dc:creator>
				<category><![CDATA[Loan Process]]></category>
		<category><![CDATA[Purchase]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Truth in Lending]]></category>

		<guid isPermaLink="false">http://nh-homemortgage.com/?p=201</guid>
		<description><![CDATA[There are many factors that affect mortgage rates each and every day. This is a description of the 5 most influential in the short run.]]></description>
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