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	<title>FHA Mortgage Blog &#187; Tony Croft</title>
	<atom:link href="http://www.myfhamortgageblog.com/author/tcroft/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.myfhamortgageblog.com</link>
	<description>FHA Loans - Providing Hope for Homeowners</description>
	<lastBuildDate>Wed, 17 Mar 2010 06:05:54 +0000</lastBuildDate>
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			<item>
		<title>FHA vs. Conventional Loans &#8211; Which is Better?</title>
		<link>http://www.myfhamortgageblog.com/2010/03/fha-vs-conventional-loans-which-is-better/</link>
		<comments>http://www.myfhamortgageblog.com/2010/03/fha-vs-conventional-loans-which-is-better/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 17:27:18 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Conventional Mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey FHA Mortgage]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=11672</guid>
		<description><![CDATA[
Let&#8217;s Get Ready To Rumble!

Qualifying Standards
Generally, it is easier to qualify for an FHA than a conventional loan.  The guidelines are not as strict regarding past bankruptcies and foreclosures .  Also, FHA loans generally allow higher debt to income ratios and will approve people with a minimum credit score of about 620.
Round 1 &#8211; FHA
Down Payment Amounts
Generally a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will I Qualify for an FHA Loan?</title>
		<link>http://www.myfhamortgageblog.com/2010/02/will-i-qualify-for-an-fha-loan/</link>
		<comments>http://www.myfhamortgageblog.com/2010/02/will-i-qualify-for-an-fha-loan/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 19:34:18 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA guidelines]]></category>
		<category><![CDATA[Loan Qualification]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=11065</guid>
		<description><![CDATA[ The FHA mortgage loan guidelines for loan qualification are the most flexible of all mortgage loans (OK, maybe not as flexible as this guy) that require less than 5% down payment.  Although some of the guidelines have gotten more stringent, they are still the easiest loans on the market to qualify for today.
Following are the [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/02/will-i-qualify-for-an-fha-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fairy Tales Can Come True, It Can Happen to You- Another Happy NJ FHA Mortgage Client</title>
		<link>http://www.myfhamortgageblog.com/2010/02/fairy-tales-can-come-true-it-can-happen-to-you-another-happy-nj-fha-mortgage-client/</link>
		<comments>http://www.myfhamortgageblog.com/2010/02/fairy-tales-can-come-true-it-can-happen-to-you-another-happy-nj-fha-mortgage-client/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 12:42:52 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[FHA Jumbo Loan]]></category>
		<category><![CDATA[Multi-unit Properties]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey First Time Home Buyer]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=11196</guid>
		<description><![CDATA[You don&#8217;t need to be a 5 year old to believe in fairy tales.  Ask Andrew and Cara, first time home buyers who thought their dream of owning a multi-unit home in New Jersey, would remain that &#8211; just a dream. This is because an evil ogre, also known as an ill-informed mortgage banker, gave [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FHA Loan Limits in all New Jersey Counties</title>
		<link>http://www.myfhamortgageblog.com/2010/02/fha-loan-limits-in-all-new-jersey-counties/</link>
		<comments>http://www.myfhamortgageblog.com/2010/02/fha-loan-limits-in-all-new-jersey-counties/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 19:03:06 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Loan Limits]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey Home Buyer]]></category>
		<category><![CDATA[New Jersey Loan Limits]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=11034</guid>
		<description><![CDATA[The Federal Government recognized that home prices vary across the county, even within each state.  Therefore, it allows for greater amounts to be borrowed in areas where the home prices are higher.  Below is an easy reference chart for you to find the current maximum FHA loan amount for your NJ county.  Keep in mind [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/02/fha-loan-limits-in-all-new-jersey-counties/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey First Time Home Buyer Tax Credit &#8211; Questions &amp; Answers</title>
		<link>http://www.myfhamortgageblog.com/2010/01/new-jersey-home-buyer-tax-credit-questions-answers/</link>
		<comments>http://www.myfhamortgageblog.com/2010/01/new-jersey-home-buyer-tax-credit-questions-answers/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 22:00:33 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[$6500 home buyer tax credit]]></category>
		<category><![CDATA[$8000 first time home buyer tax credit]]></category>
		<category><![CDATA[first time home buyer tax credit]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=10845</guid>
		<description><![CDATA[New Jersey
First Time
Home Buyer
Tax Credit
Questions
&#38;
Answers


How Much Time Is Left? &#8211; It is time to get moving!!!!  The credit applied to homes purchased before May 1, 2010 (and on or after November 7, 2009).  New Jersey home purchases which have a binding contract before May 1, 2010 will qualify as long as the closing occurs by [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/01/new-jersey-home-buyer-tax-credit-questions-answers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Waives 90 Day Seasoning “Flip Rule” for New Jersey</title>
		<link>http://www.myfhamortgageblog.com/2010/01/fha-waives-90-day-seasoning-%e2%80%9cflip-rule%e2%80%9d-for-new-jersey/</link>
		<comments>http://www.myfhamortgageblog.com/2010/01/fha-waives-90-day-seasoning-%e2%80%9cflip-rule%e2%80%9d-for-new-jersey/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 02:32:35 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[90 Day Seasoning]]></category>
		<category><![CDATA[Flip Rule]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey FHA Mortgage]]></category>
		<category><![CDATA[New Jersey First Time Home Buyer]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=10762</guid>
		<description><![CDATA[Have you heard the news?
Last week FHA announced that it is waiving the 90-day seasoning required for sellers.  This is truly great news for First Time Home Buyers and Real Estate Investors in New Jersey.
This change will allow buyers in New Jersey to use a FHA Mortgage when purchasing investor and bank owned properties that [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/01/fha-waives-90-day-seasoning-%e2%80%9cflip-rule%e2%80%9d-for-new-jersey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey FHA Streamline Refinancing &#8211; Changes for 2010</title>
		<link>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-streamline-refinancing-changes-for-2010/</link>
		<comments>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-streamline-refinancing-changes-for-2010/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 22:13:12 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[FHA Streamline Refinance]]></category>
		<category><![CDATA[FHA Streamline]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey FHA Streamline Refinance]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=10404</guid>
		<description><![CDATA[Given the need for the Federal Housing Administration (FHA) to assure solvency of their insurance fund, they continue to implement changes to protect themselves. The changes that affect borrowers most directly for 2010 are highlighted below:

The loan being refinanced must be in existence for at least 6 months.
For loans outstanding for 6-12 months, no 30-day [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-streamline-refinancing-changes-for-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey FHA Mortgage and Multi-Unit Properties for First Time Home Buyers</title>
		<link>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-mortgage-and-multi-unit-properties-for-first-time-home-buyers/</link>
		<comments>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-mortgage-and-multi-unit-properties-for-first-time-home-buyers/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 21:53:11 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[FHA First-Time Home Buyer]]></category>
		<category><![CDATA[Multi-unit Properties]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey FHA Mortgage]]></category>
		<category><![CDATA[New Jersey Home Buyer]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=10623</guid>
		<description><![CDATA[The majority of FHA mortgages in New Jersey and elsewhere are issued for single family residence properties.  However, a lesser known fact is that FHA mortgages are available for multiple unit properties, as long as the property has no more than 4 units.  In keeping with the principal residence guidelines, one of the units must [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2010/01/new-jersey-fha-mortgage-and-multi-unit-properties-for-first-time-home-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey, NJ First-Time Home Buyer Tax Credits &#8211; Special Rules for the Military</title>
		<link>http://www.myfhamortgageblog.com/2009/12/new-jersey-nj-first-time-home-buyer-tax-credits-special-rules-for-the-military/</link>
		<comments>http://www.myfhamortgageblog.com/2009/12/new-jersey-nj-first-time-home-buyer-tax-credits-special-rules-for-the-military/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 19:02:29 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[8000 tax credit]]></category>
		<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[VA Loans]]></category>
		<category><![CDATA[First time buyer tax credit]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[Military mortgage]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9881</guid>
		<description><![CDATA[We all know what great sacrafices the members of our U.S. military make each day.  Missing out on the first-time home buyer tax credit should not be one of them.  Thankfully, Congress has acknowledged the unique circumstances affecting qualified service members*, by allowing the following exceptions that apply to both the $8,000 tax credit for [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/12/new-jersey-nj-first-time-home-buyer-tax-credits-special-rules-for-the-military/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USDA Loans in NJ? It&#8217;s Not a FHA Mortgage, But It May Better &#8211; Zero Down Payment</title>
		<link>http://www.myfhamortgageblog.com/2009/12/usda-loans-in-nj-its-not-a-fha-mortgage-but-it-may-better-zero-down-payment/</link>
		<comments>http://www.myfhamortgageblog.com/2009/12/usda-loans-in-nj-its-not-a-fha-mortgage-but-it-may-better-zero-down-payment/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 18:02:53 +0000</pubDate>
		<dc:creator>Tony Croft</dc:creator>
				<category><![CDATA[FHA Mortgage]]></category>
		<category><![CDATA[USDA Rural Guaranteed Loan]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey FHA]]></category>
		<category><![CDATA[New Jersey FHA Mortgage]]></category>
		<category><![CDATA[New Jersey USDA Loan]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[NJ FHA]]></category>
		<category><![CDATA[NJ FHA Loans]]></category>
		<category><![CDATA[NJ FHA Mortgage]]></category>
		<category><![CDATA[No Money]]></category>
		<category><![CDATA[No Money Down]]></category>
		<category><![CDATA[Tony Croft]]></category>
		<category><![CDATA[USDA Loans]]></category>
		<category><![CDATA[Zero Down Payment]]></category>

		<guid isPermaLink="false">http://www.myfhamortgageblog.com/?p=9593</guid>
		<description><![CDATA[While FHA has been hogging all the headlines
(no pun intended) another little known loan program has been gaining in popularity.  For over 60 years, the USDA (Unites States Department of Agriculture) has been guaranteeing loans for farms and rural communities.  Recently, however, the definition of rural has expanded to include any communities with a population [...]]]></description>
		<wfw:commentRss>http://www.myfhamortgageblog.com/2009/12/usda-loans-in-nj-its-not-a-fha-mortgage-but-it-may-better-zero-down-payment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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