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Recent Articles

Jul
02
2022
Market shift opens door for buyers to make demands of sellers
Just say no to short timelines for loan approval contingencies and earnest money deposit forfeitures. By Jeff Lazerson | jlazerson@mortgagegrader.com | MortgageGrader.com | July 02, 2022 * Article originally posted in Orange County Register on June 23, 2022 House payment...
Jun
29
2022
What’s the difference between private mortgage insurance and mortgage insurance premium?
If you are one of those buyers who can’t afford to pay a sizeable down payment, don’t give up on homeownership just yet. Mortgage insurance is a tool that can help you achieve homeownership despite the lack of funds for a down. When you pay for mortgage insurance as part of your...
Jun
23
2022
Is It Possible to Buy a Condo with a VA Loan?
Did you know you could purchase a condo unit with a VA home loan? VA loans are a great home financing option since they don’t require a down payment and have lower interest rates than other mortgage products. So if you qualify for a VA home loan, purchasing a condo would be a fantastic...
Jun
20
2022
Adjustable-rate mortgages can lower payments as interest rates soar
This week’s 30-year fixed rate jumped to 5.78%, the largest weekly surge in 35 years. By Jeff Lazerson | jlazerson@mortgagegrader.com | MortgageGrader.com | June 20, 2022 Jeff and Kim Noviello got outbid in their first two offers for the Mission Viejo home they fell in love with at...
Jun
16
2022
Buying Mortgage Points: Is It Worth It?
Buying mortgage points is a way to secure a lower interest rate during the home buying process. It can save you several thousands of dollars in interest over the life of the loan and lower your monthly mortgage payment. Check out this nifty guide to learn how they’re calculated so you...
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Jeff Lazerson - Mortgage Columnist since 2011