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	<title>Homerica Mortgage Corporation | New York &amp; Connecticut | Mortgages and Home Loans, 30 Year Mortgages, Adjustable Rate Mortgages, Jumbo Mortgages, FHA Loans, VA Loans, Refinancing (2nd Mortgages), First Time Home Buyer, and Loans for Police Officers, Teachers, Nurses</title>
	
	<link>http://www.homericamortgage.com</link>
	<description />
	<lastBuildDate>Thu, 26 Apr 2012 21:07:17 +0000</lastBuildDate>
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		<title>FHA Streamline Refinance</title>
		<link>http://www.homericamortgage.com/2012/04/fha-streamline-refinance/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=fha-streamline-refinance</link>
		<comments>http://www.homericamortgage.com/2012/04/fha-streamline-refinance/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 21:07:17 +0000</pubDate>
		<dc:creator>Mary</dc:creator>
				<category><![CDATA[Home Loans / Mortgages]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/?p=194</guid>
		<description><![CDATA[If you are a New York or Connecticut homeowner with a FHA Mortgage, the possiblities of Homerica Mortgage Corporation helping to refinance another FHA Mortgage has opened up dramatically in the last several months!   In some cases, a full appraisal or income documention are not needed to qualify. In addition, FHA Streamline Refinance will allow your mortgage [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>No Income Verification Loans</title>
		<link>http://www.homericamortgage.com/2012/04/no-income-verification-loans/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=no-income-verification-loans</link>
		<comments>http://www.homericamortgage.com/2012/04/no-income-verification-loans/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 20:30:56 +0000</pubDate>
		<dc:creator>Mary</dc:creator>
				<category><![CDATA[Home Loans / Mortgages]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/?p=193</guid>
		<description><![CDATA[Yes.  Believe it or not No Income verification loans do still exist.    At Homerica Mortgage Corporation, we currently have relationships with lenders who will lend on well qualified home owners without verifying income.   These loans are ideal for self-employed borrowers whose income varies from year  to year, have very good FICO scores, a lot of equity [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>15 Fixed Rate Mortgage Refinance Equals Huge Savings!</title>
		<link>http://www.homericamortgage.com/2012/04/15-fixed-rate-mortgage-refinance-equals-huge-savings/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=15-fixed-rate-mortgage-refinance-equals-huge-savings</link>
		<comments>http://www.homericamortgage.com/2012/04/15-fixed-rate-mortgage-refinance-equals-huge-savings/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 15:48:32 +0000</pubDate>
		<dc:creator>Mary</dc:creator>
				<category><![CDATA[Home Loans / Mortgages]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/?p=187</guid>
		<description><![CDATA[If you currently have a 30 year mortgage, you may want to consider  a 15 year fixed rate because of the huge interest savings over the life of the loan.  For instance, a 30 year mortgage payment for $200,000.00 at 5.5% is $1,135.58 a month for 360 months.  The interest paid over 30 years is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is HARP 2.0?</title>
		<link>http://www.homericamortgage.com/2012/03/what-is-harp-2-0/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=what-is-harp-2-0</link>
		<comments>http://www.homericamortgage.com/2012/03/what-is-harp-2-0/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 20:32:50 +0000</pubDate>
		<dc:creator>Mary</dc:creator>
				<category><![CDATA[Home Loans / Mortgages]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/?p=186</guid>
		<description><![CDATA[The mortgage industry is buzzing about the new HARP 2.0 program.  Why? HARP 2.0 has removed the LTV restrictions and  may open the door to responsible borrowers.   With the original HARP,  the Loan to Value was restricted to 125%.  In which case many borrowers were still not able to refinance.   In fact as of August 31, 2011 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Today’s Conforming Mortgage Rates – New York</title>
		<link>http://www.homericamortgage.com/todays-conforming-mortgage-rates-%e2%80%93-new-york/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=todays-conforming-mortgage-rates-%25e2%2580%2593-new-york</link>
		<comments>http://www.homericamortgage.com/todays-conforming-mortgage-rates-%e2%80%93-new-york/#comments</comments>
		<pubDate>Sat, 01 Oct 2011 16:02:26 +0000</pubDate>
		<dc:creator>Peggi</dc:creator>
		
		<guid isPermaLink="false">http://www.homericamortgage.com/?page_id=167</guid>
		<description><![CDATA[Our mortgage interest rates as of: 30 Year Fixed Mortgages, Fully Amortizing at 3.875% with 0 points (3.945% A.P.R.*) Founded in 1987, we offer the best interest rates and the best home loans in New York, providing you with low closing costs in the process. We&#8217;ll help you finance your new home whether you&#8217;re a first [...]]]></description>
		<wfw:commentRss>http://www.homericamortgage.com/todays-conforming-mortgage-rates-%e2%80%93-new-york/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>A Standardized Good Faith Estimate Takes the Guesswork Out of Shopping for the Right Mortgage</title>
		<link>http://www.homericamortgage.com/2011/07/a-standardized-good-faith-estimate-takes-the-guesswork-out-of-shopping-for-the-right-mortgage/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=a-standardized-good-faith-estimate-takes-the-guesswork-out-of-shopping-for-the-right-mortgage</link>
		<comments>http://www.homericamortgage.com/2011/07/a-standardized-good-faith-estimate-takes-the-guesswork-out-of-shopping-for-the-right-mortgage/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 17:22:58 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/site/?p=134</guid>
		<description><![CDATA[If you’ve ever shopped for a mortgage before, you probably know that mortgages come in all shapes and sizes… meaning that they have varying fees, interest rates and closing costs. So how do you compare mortgages apples to apples? It’s easier now that  the the Department of Housing and Urban Development requires all lenders to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Does the National Debt Mean to Borrowers in New York and Connecticut?</title>
		<link>http://www.homericamortgage.com/2011/07/what-does-the-national-debt-mean-to-borrowers-in-new-york-and-connecticut/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=what-does-the-national-debt-mean-to-borrowers-in-new-york-and-connecticut</link>
		<comments>http://www.homericamortgage.com/2011/07/what-does-the-national-debt-mean-to-borrowers-in-new-york-and-connecticut/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 17:16:32 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/site/?p=133</guid>
		<description><![CDATA[Mortgage rates and unemployment rates are two of the most influential elements in economic activity in the U.S. When the U.S. government incurs high debt, interest rates tend to rise. So why haven’t interest rates risen recently in light of the national debt crisis? Ahhhh… good question. And the answer is that the government is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgages for Law Enforcement</title>
		<link>http://www.homericamortgage.com/2011/07/mortgages-for-law-enforcement/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=mortgages-for-law-enforcement</link>
		<comments>http://www.homericamortgage.com/2011/07/mortgages-for-law-enforcement/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 17:13:12 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/site/?p=132</guid>
		<description><![CDATA[What sets Homerica Mortgage Corporation apart from other mortgage companies? I’m proud to say that it’s our people. We truly have a great group of employees here… specifically, our Loan Officers. I’m particularly proud of the fact that I have on my staff two of New York City’s finest men in blue… Scott Williamson and [...]]]></description>
		<wfw:commentRss>http://www.homericamortgage.com/2011/07/mortgages-for-law-enforcement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life’s Transitions and Qualifying for a Mortgage</title>
		<link>http://www.homericamortgage.com/2011/07/life%e2%80%99s-transitions-and-qualifying-for-a-mortgage/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=life%25e2%2580%2599s-transitions-and-qualifying-for-a-mortgage</link>
		<comments>http://www.homericamortgage.com/2011/07/life%e2%80%99s-transitions-and-qualifying-for-a-mortgage/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 16:56:32 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/site/?p=130</guid>
		<description><![CDATA[Getting married? Relocating? Maybe you’re retiring and downsizing. Whatever the case,  life’s transitions often accompany the purchase of a new home. But qualifying for a mortgage in these tough times isn’t as easy as it was a few years ago. Today, I’ll give you some advice on what pitfalls to avoid when applying for a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is it Time to Refinance Your Mortgage?</title>
		<link>http://www.homericamortgage.com/2011/07/is-it-time-to-refinance-your-mortgage/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=is-it-time-to-refinance-your-mortgage</link>
		<comments>http://www.homericamortgage.com/2011/07/is-it-time-to-refinance-your-mortgage/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 16:47:50 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.homericamortgage.com/site/?p=128</guid>
		<description><![CDATA[A bad economy can sometimes affect other aspects of your life in positive ways. Bad news in the economy is generally good news for interest rates. When the economy is doing poorly, interest rates tend to go down. Alternatively, when the economy is doing well, interest rates tend to go up. The fact that the [...]]]></description>
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