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	<title>Mortgage and Real Estate Strategies</title>
	
	<link>http://tonycroft.com</link>
	<description>Mortgage Planner Tony Croft blogs on mortgages, real estate and other items of interest.</description>
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		<title>8 Questions Your Lender Should Answer About Mortgage Rates</title>
		<link>http://tonycroft.com/eight-questions-your-lender-should-be-able-to-answer-about-mortgage-rates/</link>
		<comments>http://tonycroft.com/eight-questions-your-lender-should-be-able-to-answer-about-mortgage-rates/#comments</comments>
		<pubDate>Sun, 04 Mar 2012 07:27:58 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[Fed]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[GFE]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=501</guid>
		<description><![CDATA[Simply checking online for today&#8217;s posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication, service and education all day long, but it&#8217;s our ultimate goal to earn your trust so that you can be [...]]]></description>
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		<title>Common Documents Required For A Mortgage Pre-Approval</title>
		<link>http://tonycroft.com/common-documents-required-for-a-mortgage-pre-approval/</link>
		<comments>http://tonycroft.com/common-documents-required-for-a-mortgage-pre-approval/#comments</comments>
		<pubDate>Sun, 04 Mar 2012 01:00:56 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Mortgage Approval Process]]></category>
		<category><![CDATA[First-Time Home Buyer]]></category>
		<category><![CDATA[Hoboken]]></category>
		<category><![CDATA[Loan Documents]]></category>
		<category><![CDATA[Mortgage Basics]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Tony Croft]]></category>
		<category><![CDATA[Underwriting Guidelines]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=610</guid>
		<description><![CDATA[Even though many lenders are still quoting quick 10 minute pre-qualifications over the phone or online, a true mortgage pre-approval that holds any weight is one that has been issued by a mortgage professional who has had an opportunity to review all of the necessary documents. With a constant stream of new lending guidelines, volatile [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>It’s Official, New Jersey Fixed Mortgage Rates Sink to Lowest on Record</title>
		<link>http://tonycroft.com/its-official-new-jersey-fixed-mortgage-rates-sink-to-lowest-on-record/</link>
		<comments>http://tonycroft.com/its-official-new-jersey-fixed-mortgage-rates-sink-to-lowest-on-record/#comments</comments>
		<pubDate>Thu, 29 Sep 2011 18:35:26 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New Jersey Mortgage]]></category>
		<category><![CDATA[NJ]]></category>

		<guid isPermaLink="false">http://tonycroft.com/?p=1916</guid>
		<description><![CDATA[It&#8217;s Official, New Jersey Fixed Mortgage Rates Sink to Lowest on Record!  I just read this article about Low Mortgage Rates at http://www.dsnews.com/articles/fixed-mortgage-rates-sink-to-lowest-on-record-2011-09-29 and thought WOW I haven&#8217;t seen rates this low since&#8230;Never!!!  I&#8217;ve been in real estate and mortgage financing over 21 years and there has never been a better time to refinance into a lower [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Do New Jersey Appraisers Look For When Determining A Property’s Value?</title>
		<link>http://tonycroft.com/what-do-new-jersey-appraisers-look-for-when-determining-a-propertys-value/</link>
		<comments>http://tonycroft.com/what-do-new-jersey-appraisers-look-for-when-determining-a-propertys-value/#comments</comments>
		<pubDate>Sun, 18 Sep 2011 17:12:41 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Real Estate Appraisals]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=900</guid>
		<description><![CDATA[Most people are surprised to learn what New Jersey appraisers actually look at when determining the value of a real estate property. A common misconception New Jersey homeowners generally have is that the property value is determined after the appraiser has completed their physical property inspection. However, the appraiser actually already has a good idea [...]]]></description>
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		<item>
		<title>Really Low Mortgage Rates</title>
		<link>http://tonycroft.com/really-low-mortgage-rates/</link>
		<comments>http://tonycroft.com/really-low-mortgage-rates/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 17:25:32 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[linkedin]]></category>
		<category><![CDATA[New Jersey FHA Mortgage]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://tonycroft.lenderama.com/?p=1855</guid>
		<description><![CDATA[Mortgage interest rates fell to the lowest levels on record this week! Mortgage rates have fallen in recent weeks in response to turmoil on Wall Street which makes this a great time to purchase a home or refinance an existing mortgage!! Please feel free to contact me if you have any questions or would like [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seven Things Your Agent Should Know About Your Mortgage Approval</title>
		<link>http://tonycroft.com/seven-things-your-agent-should-know-about-your-mortgage-approval/</link>
		<comments>http://tonycroft.com/seven-things-your-agent-should-know-about-your-mortgage-approval/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 09:22:03 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[First-Time Home Buyer]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[linkedin]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Underwriting Guidelines]]></category>

		<guid isPermaLink="false">http://template.lenderama.com/?p=682</guid>
		<description><![CDATA[While many experienced real estate agents in New Jersey and New York have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pricing premiums, credit score, secondary approval [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Birthday Celebration and Low Mortgage Rates</title>
		<link>http://tonycroft.com/birthday-celebration-and-low-mortgage-rates/</link>
		<comments>http://tonycroft.com/birthday-celebration-and-low-mortgage-rates/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 18:28:36 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[linkedin]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[New York]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://tonycroft.lenderama.com/?p=1802</guid>
		<description><![CDATA[I&#8217;m having a celebration because it&#8217;s my birthday and because mortgage rates are really low. Whether you are looking for a FHA, Conventional or a Jumbo mortgage, now is the time to act and lock in a very low interest rate. Call me to schedule a free consultation. 201-943-6800 P.S. A referral world make a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Buyer University Free Online Workshops for Home Buyers</title>
		<link>http://tonycroft.com/home-buyer-university-free-online-workshops-for-home-buyers/</link>
		<comments>http://tonycroft.com/home-buyer-university-free-online-workshops-for-home-buyers/#comments</comments>
		<pubDate>Wed, 25 May 2011 17:36:02 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Buying Your First Home]]></category>
		<category><![CDATA[First-Time Home Buyer]]></category>
		<category><![CDATA[Free Online Workshops]]></category>
		<category><![CDATA[Home Buyer University]]></category>
		<category><![CDATA[New Jersey]]></category>
		<category><![CDATA[Tony Croft]]></category>

		<guid isPermaLink="false">http://tonycroft.lenderama.com/?p=1710</guid>
		<description><![CDATA[Visit our Home Buyer University Free Online Workshops! FreeOnlineWorkshops.com Here you will find a growing library of workshops that you may view completely free of charge which will provide valuable information that you will need as you prepare for your home purchase in New Jersey. Tony Croft has created a series of workshops designed for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Government Policies Stifle Home Sales &amp; Deflate Home Values</title>
		<link>http://tonycroft.com/government-policies-stifle-home-sales-deflate-home-values/</link>
		<comments>http://tonycroft.com/government-policies-stifle-home-sales-deflate-home-values/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 01:44:56 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[TBWS]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://tonycroft.lenderama.com/?p=1793</guid>
		<description><![CDATA[My friends Frank and Brian talk about the Fed Rule and many other recent Government policies and codes that have essentially stifled home sales and values. NAMB and NAIHP work together to postpone or eliminate the Fed Rule regarding Loan Officer compensation. Frank Garay and Brian Stevens at TBWSDailyShow.com]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Senators Rally to Delay LO Compensation Fed Rule</title>
		<link>http://tonycroft.com/senators-rally-to-delay-lo-compensation-fed-rule/</link>
		<comments>http://tonycroft.com/senators-rally-to-delay-lo-compensation-fed-rule/#comments</comments>
		<pubDate>Wed, 16 Mar 2011 14:00:37 +0000</pubDate>
		<dc:creator>tonycroft</dc:creator>
				<category><![CDATA[TBWS]]></category>
		<category><![CDATA[agent]]></category>
		<category><![CDATA[Fed Rule]]></category>
		<category><![CDATA[LO Compensation]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Senator]]></category>

		<guid isPermaLink="false">http://tonycroft.lenderama.com/?p=1784</guid>
		<description><![CDATA[Senators Rally to Delay LO Compensation Fed Rule Senators Jon Tester and David Vitter call to delay Federal Reserve LO compensation rule. The “Slush Fund” is the new way to deal with changes to costs. Who does it cost? The borrower of course. The clean borrower that does everything right has to pay for issues [...]]]></description>
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		<slash:comments>0</slash:comments>
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