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	<title>FHA Mortgage Blog &#187; Gerald Santoro</title>
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	<link>http://www.myfhamortgageblog.com</link>
	<description>FHA Loans - Providing Hope for Homeowners</description>
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		<title>HUD TAKES ACTION TO SPEED RESALE OF FORECLOSED PROPERTIES TO NEW OWNERS IN NEW JERSEY</title>
		<link>http://www.myfhamortgageblog.com/2010/02/hud-takes-action-to-speed-resale-of-foreclosed-properties-to-new-owners-in-new-jersey/</link>
		<comments>http://www.myfhamortgageblog.com/2010/02/hud-takes-action-to-speed-resale-of-foreclosed-properties-to-new-owners-in-new-jersey/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 14:52:59 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA 203k Rehab]]></category>
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		<category><![CDATA[gerald santoro]]></category>
		<category><![CDATA[Mortgage Foreclosure]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=11151</guid>
		<description><![CDATA[A measure to help bring stability to home values and accelerate sale of vacant properties went into effect February 1st, 2010.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Jersey &#8211; USDA 100% Home Loan</title>
		<link>http://www.myfhamortgageblog.com/2009/12/new-jersey-usda-100-home-loan/</link>
		<comments>http://www.myfhamortgageblog.com/2009/12/new-jersey-usda-100-home-loan/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 22:38:23 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[USDA Rural Guaranteed Loan]]></category>
		<category><![CDATA[gerald santoro]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[USDA Rural Loan]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=10046</guid>
		<description><![CDATA[There is a little known and under utilized home loan available in New Jersey and across the country. This loan provides 100% Financing! You read it right.....100% financing.....and no Mortgage Insurance!
]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Jersey $8,000 First-time Home Buyer Tax Credit at a Glance</title>
		<link>http://www.myfhamortgageblog.com/2009/11/new-jersey-8000-first-time-home-buyer-tax-credit-at-a-glance/</link>
		<comments>http://www.myfhamortgageblog.com/2009/11/new-jersey-8000-first-time-home-buyer-tax-credit-at-a-glance/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 16:38:31 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[gerald santoro]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9183</guid>
		<description><![CDATA[$8,000 First-time Home Buyer Tax Credit at a Glance]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Tax Credit for Homebuyers signed Today!</title>
		<link>http://www.myfhamortgageblog.com/2009/11/tax-credit-for-homebuyers-signed-today/</link>
		<comments>http://www.myfhamortgageblog.com/2009/11/tax-credit-for-homebuyers-signed-today/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 20:03:05 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[FHA Home Buyer Tips]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9053</guid>
		<description><![CDATA[First Time Homebuyer Tax Credit Extended Into 2010! 
Plus...A New Tax Credit for Certain Existing Home Owners!
]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/11/tax-credit-for-homebuyers-signed-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>House votes to expand home buyers&#8217; tax credit in New Jersey and across the country!</title>
		<link>http://www.myfhamortgageblog.com/2009/11/house-votes-to-expand-home-buyers-tax-credit-in-new-jersey-and-across-the-country/</link>
		<comments>http://www.myfhamortgageblog.com/2009/11/house-votes-to-expand-home-buyers-tax-credit-in-new-jersey-and-across-the-country/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 05:22:22 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9010</guid>
		<description><![CDATA[Congress gave final approval Thursday to support the housing market by extending and expanding the First Time Home Buyer Tax Credit.
]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/11/house-votes-to-expand-home-buyers-tax-credit-in-new-jersey-and-across-the-country/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>New Jersey First Time Home Buyer Tax Credit</title>
		<link>http://www.myfhamortgageblog.com/2009/10/new-jersey-first-time-home-buyer-tax-credit/</link>
		<comments>http://www.myfhamortgageblog.com/2009/10/new-jersey-first-time-home-buyer-tax-credit/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 16:17:36 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8815</guid>
		<description><![CDATA[The $8,000 first-time homebuyer tax credit is set to be extended until April 30, 2010.]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/10/new-jersey-first-time-home-buyer-tax-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>FHA Streamline Refinance Changes coming to New Jersey &#8230;.and Nationwide</title>
		<link>http://www.myfhamortgageblog.com/2009/09/fha-streamline-refinance-changes-coming-to-new-jersey-and-nationwide/</link>
		<comments>http://www.myfhamortgageblog.com/2009/09/fha-streamline-refinance-changes-coming-to-new-jersey-and-nationwide/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 02:38:52 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[FHA Refinance]]></category>
		<category><![CDATA[FHA Rules]]></category>
		<category><![CDATA[FHA Streamline]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8263</guid>
		<description><![CDATA[If you have been thinking about doing an FHA Streamline Refinance in New Jersey, you should be aware of the changes that are coming very soon.
FHA has released these changes which will go into effect as of November 17th, 2009:
1) Borrower must have made at least 6 payments on the loan being refinanced ( 6 [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/09/fha-streamline-refinance-changes-coming-to-new-jersey-and-nationwide/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why choose a Rural Development Guarantee loan in New Jersey?</title>
		<link>http://www.myfhamortgageblog.com/2009/09/why-choose-a-rural-development-guarantee-loan-in-new-jersey/</link>
		<comments>http://www.myfhamortgageblog.com/2009/09/why-choose-a-rural-development-guarantee-loan-in-new-jersey/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 02:59:15 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[USDA Rural Guaranteed Loan]]></category>
		<category><![CDATA[100% financing]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8239</guid>
		<description><![CDATA[Many areas of New Jersey are eligible for the USDA 100% Home Purchase Loan. It is still possible to buy a primary home in New Jersey with No Money Down]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/09/why-choose-a-rural-development-guarantee-loan-in-new-jersey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey-First Time Homebuyer $8000 Tax Credit – Frequently Asked Questions</title>
		<link>http://www.myfhamortgageblog.com/2009/09/new-jersey-first-time-homebuyer-8000-tax-credit-%e2%80%93-frequently-asked-questions/</link>
		<comments>http://www.myfhamortgageblog.com/2009/09/new-jersey-first-time-homebuyer-8000-tax-credit-%e2%80%93-frequently-asked-questions/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 22:58:42 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[New Jersey]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=8108</guid>
		<description><![CDATA[First Time Homebuyer Tax Credit – Frequently Asked Questions
New Jersey First Time Homebuyer Tax Credit is scheduled to end on November 30th. If qualified, a First Time Homebuyer can receive up to $8000 as a credit on their 2009 Federal Tax Return. Time is running out! Here are some additional FAQ:
What is a tax credit?
 [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Can I Use The $8000 First Time Home Buyer Tax Credit As A Down Payment?</title>
		<link>http://www.myfhamortgageblog.com/2009/07/can-i-use-the-8000-first-time-home-buyer-tax-credit-as-a-down-payment/</link>
		<comments>http://www.myfhamortgageblog.com/2009/07/can-i-use-the-8000-first-time-home-buyer-tax-credit-as-a-down-payment/#comments</comments>
		<pubDate>Wed, 08 Jul 2009 02:27:14 +0000</pubDate>
		<dc:creator>Gerald Santoro</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[Down Payment Assistance]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=5647</guid>
		<description><![CDATA[The $8000 First Time Home Buyer Tax Credit is available for anyone who has not owned a home in the last 3 years and may be used as a down payment in certain situations. 
To use the $8000 tax credit as a down payment, it will need to be set up as a soft second [...]]]></description>
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