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Recent Articles

Dec
05
2022
Fannie, Freddie now a better deal than FHA financing for certain first-time buyers
The annual income limit for first-time buyers in Los Angeles and Orange counties is $78,320. In the Inland Empire, it's $69,920. By JEFF LAZERSON | jlazerson@mortgagegrader.com | MortgageGrader.com | December 5, 2022 * Article originally posted in Orange County Register on November...
Nov
30
2022
The Perks of Living in a Multigenerational Home
If you are facing a financial or health-related problem or simply going through a new phase in life, you may be thinking about sharing a home with close family or extended family members. Many people have decided that living in a multigenerational home answers their problems. The number...
Nov
28
2022
Homebuyers face 91% increase for credit reports starting Jan. 1
FICO is raising its wholesale credit scoring cost by as much as 400% By JEFF LAZERSON | jlazerson@mortgagegrader.com | MortgageGrader.com | November 28, 2022 * Article originally posted in Orange County Register on November 23, 2022. This past Monday morning, I choked on my coffee...
Nov
24
2022
Choosing the Best Mortgage Options for Unique Circumstances
Not all loan products are the same, nor are borrower situations. For first-time homebuyers, you’ll most likely hear about the most popular 30-year fixed-rate conventional loan, and there’s no arguing that it's a great loan product for most buyers but not in all...
Nov
21
2022
Will these zero-down loans for homebuyers doom real estate again?
The program allows lenders to self-police, bringing back memories of the "anything-goes" standards that crashed the housing market. By JEFF LAZERSON | jlazerson@mortgagegrader.com | MortgageGrader.com | November 21, 2022 * Article originally posted in Orange County Register on...
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Jeff Lazerson - Mortgage Columnist since 2011