# Mortgage Grader

## Loan Officers

- [Jeff Lazerson](http://www.mortgagegrader.com/loan-officer/jeff-lazerson.md): Looking to get a mortgage or refinance your home in Laguna Niguel, CA 92677? Jeff Lazerson at Mortgage Grader (NMLS #1089  DRE #01517123) can help you find the best rates and close your loan fast. Get approved now!. Located in Laguna Niguel, CA 92677. Licensed in CA
- [Stephen Mosher](http://www.mortgagegrader.com/loan-officer/stephen-mosher.md): Looking to get a mortgage or refinance your home in Laguna Niguel, CA 92677? Stephen Mosher at Mortgage Grader (NMLS #448289 DRE: 00405304) can help you find the best rates and close your loan fast. Get approved now!. Located in Laguna Niguel, CA 92677. Licensed in CA
- [David Martins](http://www.mortgagegrader.com/loan-officer/david-martins.md): Looking to get a mortgage or refinance your home in Laguna Niguel, CA 92677? David Martins at Mortgage Grader (NMLS #1625284               DRE# 01306127) can help you find the best rates and close your loan fast. Get approved now!. Located in Laguna Niguel, CA 92677. Licensed in CA

## Pages

- [Home](http://www.mortgagegrader.com/)
- [Legal](http://www.mortgagegrader.com/legal)
- [Pre Qualify](http://www.mortgagegrader.com/pre-qualify)
- [Select Loan Officer](http://www.mortgagegrader.com/select-loan-officer)
- [Thank You](http://www.mortgagegrader.com/thank-you)
- [FAQ](http://www.mortgagegrader.com/faq)
- [Accessibility Statement](http://www.mortgagegrader.com/accessibility-statement)
- [Online Forms](http://www.mortgagegrader.com/online-forms)
- [Testimonials](http://www.mortgagegrader.com/testimonials)
- [Loan Programs](http://www.mortgagegrader.com/loan-programs)
- [Loan Process](http://www.mortgagegrader.com/loan-process)
- [Home Purchase](http://www.mortgagegrader.com/home-purchase)
- [Contact Us](http://www.mortgagegrader.com/contact-us)
- [Mortgage Basics - Credit](http://www.mortgagegrader.com/mortgage-basics/credit)
- [Mortgage Basics - Private Mortgage Insurance](http://www.mortgagegrader.com/mortgage-basics/private-mortgage-insurance)
- [Mortgage Basics - Closing Costs](http://www.mortgagegrader.com/mortgage-basics/closing-costs)
- [Mortgage Basics - Appraisals](http://www.mortgagegrader.com/mortgage-basics/appraisals)
- [Mortgage Basics - Foreclosure](http://www.mortgagegrader.com/mortgage-basics/foreclosure)
- [Mortgage Basics - Application Checklist](http://www.mortgagegrader.com/mortgage-basics/application-checklist)
- [Mortgage Basics - Glossary](http://www.mortgagegrader.com/mortgage-basics/glossary)
- [Mortgage Basics - Refinance](http://www.mortgagegrader.com/mortgage-basics/refinance)
- [Review Us](http://www.mortgagegrader.com/review-us)
- [Loan Programs - Fixed Rate Mortgage](http://www.mortgagegrader.com/loan-programs/fixed-rate-mortgage)
- [Loan Programs - Usda Loans](http://www.mortgagegrader.com/loan-programs/usda-loans)
- [Loan Programs - VA Loans](http://www.mortgagegrader.com/loan-programs/va-loans)
- [Loan Programs - Interest Only Mortgage](http://www.mortgagegrader.com/loan-programs/interest-only-mortgage)
- [Loan Programs - Conventional Loans](http://www.mortgagegrader.com/loan-programs/conventional-loans)
- [Loan Programs - Graduated Payment Mortgage](http://www.mortgagegrader.com/loan-programs/graduated-payment-mortgage)
- [Loan Programs - Jumbo Loans](http://www.mortgagegrader.com/loan-programs/jumbo-loans)
- [Loan Programs - FHA Loans](http://www.mortgagegrader.com/loan-programs/fha-loans)
- [Loan Programs - Adjustable Rate Mortgage](http://www.mortgagegrader.com/loan-programs/adjustable-rate-mortgage)
- [Home Refinance](http://www.mortgagegrader.com/home-refinance)
- [Privacy Policy](http://www.mortgagegrader.com/privacy-policy)
- [About Us](http://www.mortgagegrader.com/about-us)
- [Mortgage Basics](http://www.mortgagegrader.com/mortgage-basics)
- [Download Your Ebook](http://www.mortgagegrader.com/download-your-ebook)
- [Mortgage Calculators](http://www.mortgagegrader.com/mortgage-calculators)
- [Jeff's Column](http://www.mortgagegrader.com/jeffs-column)
- [Fannie Mae Topic](http://www.mortgagegrader.com/fannie-mae-topic)
- [ss032517](http://www.mortgagegrader.com/ss032517)
- [ss11516](http://www.mortgagegrader.com/ss11516)
- [ss042217](http://www.mortgagegrader.com/ss042217)
- [Scenario Saturday](http://www.mortgagegrader.com/scenario-saturday)
- [Podcast](http://www.mortgagegrader.com/podcast)
- [fha more info](http://www.mortgagegrader.com/fha-more-info)
- [BDM](http://www.mortgagegrader.com/bdm)
- [ss121016](http://www.mortgagegrader.com/ss121016)
- [ss120216](http://www.mortgagegrader.com/ss120216)
- [SS1](http://www.mortgagegrader.com/ss100116)
- [ss111916](http://www.mortgagegrader.com/ss111916)
- [ss121716](http://www.mortgagegrader.com/ss121716)
- [ss010717](http://www.mortgagegrader.com/ss010717)
- [line](http://www.mortgagegrader.com/line)
- [price](http://www.mortgagegrader.com/price)
- [ss020417](http://www.mortgagegrader.com/ss020417)
- [ss022517](http://www.mortgagegrader.com/ss022517)
- [ss123016](http://www.mortgagegrader.com/ss123016)
- [ss081217](http://www.mortgagegrader.com/ss081217)
- [ss031817](http://www.mortgagegrader.com/ss031817)
- [ss072817](http://www.mortgagegrader.com/ss072817)
- [ss101516](http://www.mortgagegrader.com/ss101516)
- [ss021817](http://www.mortgagegrader.com/ss021817)
- [ss062417](http://www.mortgagegrader.com/ss062417)
- [ss102216](http://www.mortgagegrader.com/ss102216)
- [ss100817](http://www.mortgagegrader.com/ss100817)
- [ss111216](http://www.mortgagegrader.com/ss111216)
- [Mortgage Grader Radio Show](http://www.mortgagegrader.com/mortgage-grader-radio-show)
- [loan program options](http://www.mortgagegrader.com/loan-program-options)
- [ss040117](http://www.mortgagegrader.com/ss040117)
- [ss011417](http://www.mortgagegrader.com/ss011417)
- [17% of young homebuyers regret their purchase, Zillow survey shows](http://www.mortgagegrader.com/17-of-young-homebuyers-regret-their-purchase-zillow-survey-shows)
- [Rates level off at 4.5 2018](http://www.mortgagegrader.com/rates-level-off-at-45-2018)
- [20% Tax Break](http://www.mortgagegrader.com/20-tax-break)
- [Are appraisal waivers good news or bad news?](http://www.mortgagegrader.com/are-appraisal-waivers-good-news-or-bad-news)
- [Should credit bureaus sell your data when you apply for a mortgage?](http://www.mortgagegrader.com/should-credit-bureaus-sell-your-data-when-you-apply-for-a-mortgage)
- [ss052717](http://www.mortgagegrader.com/ss052717)
- [ss061717](http://www.mortgagegrader.com/ss061717)
- [California lawmakers, lenders step up to help landlords](http://www.mortgagegrader.com/california-lawmakers-lenders-step-up-to-help-landlords)
- [How to reduce the high cost of title insurance](http://www.mortgagegrader.com/how-to-reduce-the-high-cost-of-title-insurance)
- [Fannie, Freddie reap billions from ‘adverse market’ fee](http://www.mortgagegrader.com/fannie-freddie-reap-billions-from-adverse-market-fee)
- [Fannie, Freddie’s old FICO standards squeeze millions of would-be homebuyers](http://www.mortgagegrader.com/fannie-freddies-old-fico-standards-squeeze-millions-of-would-be-homebuyers)
- [Mortgage originators get high marks from borrowers](http://www.mortgagegrader.com/mortgage-originators-get-high-marks-from-borrowers)
- [30-year fixed-rate nears 3% for first time in 6 months](http://www.mortgagegrader.com/30-year-fixed-rate-nears-3-for-first-time-in-6-months)
- [calcs](http://www.mortgagegrader.com/calcs)
- [How Are We Doing?](http://www.mortgagegrader.com/how-are-we-doing)
- [rebates to borrowers](http://www.mortgagegrader.com/rebates-to-borrowers)
- [Ex-CEO praised](http://www.mortgagegrader.com/ex-ceo-praised)
- [New Regulators](http://www.mortgagegrader.com/new-regulators)
- [Aid for government shutdown workers](http://www.mortgagegrader.com/aid-for-government-shutdown-workers)
- [Energy loans plunge in CA](http://www.mortgagegrader.com/energy-loans-plunge-in-ca)
- [Laguna Woods residents complain about the lack of co-op lenders](http://www.mortgagegrader.com/laguna-woods-residents-complain-about-the-lack-of-co-op-lenders)
- [Laguna Woods disputes co-op lending monopoly](http://www.mortgagegrader.com/laguna-woods-disputes-co-op-lending-monopoly)
- [Lazerson's Loan Log](http://www.mortgagegrader.com/lazersonsloanlog)
- [This mortgage exec’s opposition to Quicken Loans is a head-scratcher](http://www.mortgagegrader.com/mortgage-assoc-chair-uses-scaremongering-speech-to-wedge-brokers-against-quicken-loans--)
- [first decline in a month 2018](http://www.mortgagegrader.com/first-decline-in-a-month-2018)
- [ss081917](http://www.mortgagegrader.com/ss081917)
- [ss051317](http://www.mortgagegrader.com/ss051317)
- [Coronavirus may drive mortgage rates to new lows](http://www.mortgagegrader.com/coronavirus-may-drive-mortgage-rates-to-new-lows)
- [ss042917](http://www.mortgagegrader.com/ss042917)
- [landlord](http://www.mortgagegrader.com/landlord)
- [Will mortgage servicers get a Hail Mary line of credit like borrowers?](http://www.mortgagegrader.com/will-mortgage-servicers-get-a-hail-mary-line-of-credit-like-borrowers)
- [Top 10 predictions: More rate drops in store for 2021](http://www.mortgagegrader.com/top-10-predictions-more-rate-drops-in-store-for-2021)
- [New law expands California’s homestead equity protection to $600,000](http://www.mortgagegrader.com/new-law-expands-californias-homestead-equity-protection-to-600000)
- [Applications surging for 15-year mortgages as rates plummet](http://www.mortgagegrader.com/applications-surging-for-15-year-mortgages-as-rates-plummet)
- [Top 3 mortgage approval obstacles in the COVID-19 pandemic](http://www.mortgagegrader.com/top-3-mortgage-approval-obstacles-in-the-covid-19-pandemic)
- [Fannie, Freddie extend COVID-19 forbearance up to 15 months](http://www.mortgagegrader.com/fannie-freddie-extend-covid-19-forbearance-up-to-15-months)
- [Loan costs for second homes, rentals to spike under new Fan-Freddie rule](http://www.mortgagegrader.com/loan-costs-for-second-homes-rentals-to-spike-under-new-fan-freddie-rule)
- [Lenders accepting Bitcoin as down payment on home purchases](http://www.mortgagegrader.com/lenders-accepting-bitcoin-as-down-payment-on-home-purchases)
- [ss030417](http://www.mortgagegrader.com/ss030417)
- [ss052017](http://www.mortgagegrader.com/ss052017)
- [ss093017](http://www.mortgagegrader.com/ss093017)
- [ss062017](http://www.mortgagegrader.com/ss062017)
- [FICO Competition](http://www.mortgagegrader.com/fico-competition)
- [poor](http://www.mortgagegrader.com/poor)
- [request a realtor](http://www.mortgagegrader.com/request-a-realtor)
- [ss040817](http://www.mortgagegrader.com/ss040817)
- [ss012717](http://www.mortgagegrader.com/ss012717)
- [ss021117](http://www.mortgagegrader.com/ss021117)
- [ss041517](http://www.mortgagegrader.com/ss041517)
- [ss102816](http://www.mortgagegrader.com/ss102816)
- [ss122416](http://www.mortgagegrader.com/ss122416)
- [ss112616](http://www.mortgagegrader.com/ss112616)
- [Can coronavirus sicken our healthy housing market?](http://www.mortgagegrader.com/can-coronavirus-sicken-our-healthy-housing-market)
- [room addition](http://www.mortgagegrader.com/room-addition)
- [Little known formulas may qualify for a bigger mortgage](http://www.mortgagegrader.com/little-known-formulas-may-qualify-for-a-bigger-mortgage)
- [tax](http://www.mortgagegrader.com/tax)
- [Home values may fall as jumbo loans vanish](http://www.mortgagegrader.com/home-values-may-fall-as-jumbo-loans-vanish)
- [California homeowners can get up to 10 months to make up missed payments or sell](http://www.mortgagegrader.com/california-homeowners-can-get-up-to-10-months-to-make-up-missed-payments-or-sell)
- [Virus-impacted borrowers missing out on today’s record-low rates](http://www.mortgagegrader.com/virus-impacted-borrowers-missing-out-on-todays-record-low-rates)
- [Borrower distress is opening opportunities for private mortgage investing](http://www.mortgagegrader.com/borrower-distress-is-opening-opportunities-for-private-mortgage-investing)
- [fanfred](http://www.mortgagegrader.com/fanfred)
- [slowdown](http://www.mortgagegrader.com/slowdown)
- [non-prime mortgages](http://www.mortgagegrader.com/non-prime-mortgages)
- [rising](http://www.mortgagegrader.com/rising)
- [snookered](http://www.mortgagegrader.com/snookered)
- [limits](http://www.mortgagegrader.com/limits)
- [/parting/](http://www.mortgagegrader.com/parting)
- [payments for adjustable mortgages rising again](http://www.mortgagegrader.com/payments-for-adjustable-mortgages-rising-again)
- [Fannie](http://www.mortgagegrader.com/fannie)
- [earthquake](http://www.mortgagegrader.com/earthquake)
- [disaster](http://www.mortgagegrader.com/disaster)
- [lawsuits](http://www.mortgagegrader.com/lawsuits)
- [Fannie and Freddie](http://www.mortgagegrader.com/fannie-and-freddie)
- [vanish](http://www.mortgagegrader.com/vanish)
- [ss031107](http://www.mortgagegrader.com/ss031107)
- [student](http://www.mortgagegrader.com/student)
- [ss050617](http://www.mortgagegrader.com/ss050617)
- [lowball](http://www.mortgagegrader.com/lowball)
- [hunt](http://www.mortgagegrader.com/hunt)
- [ss070917](http://www.mortgagegrader.com/ss070917)
- [look for discounts with rates](http://www.mortgagegrader.com/look-for-discounts-with-rates)
- [Check a home's fire risk before you buy it](http://www.mortgagegrader.com/check-a-homes-fire-risk-before-you-buy-it)
- [How low will fixed-rate mortgages go?](http://www.mortgagegrader.com/how-low-will-fixed-rate-mortgages-go)
- [New FICO scoring model focuses on 24-month look back](http://www.mortgagegrader.com/new-fico-scoring-model-focuses-on-24-month-look-back)
- [Survival for some mom and pop landlords hangs in the balance](http://www.mortgagegrader.com/survival-for-some-mom-and-pop-landlords-hangs-in-the-balance)
- [tips easier](http://www.mortgagegrader.com/tips-easier)
- [Will foreclosures explode once the moratorium is lifted?](http://www.mortgagegrader.com/will-foreclosures-explode-once-the-moratorium-is-lifted)
- [family](http://www.mortgagegrader.com/family)
- [New mortgages predicted to break all-time record in 2021](http://www.mortgagegrader.com/new-mortgages-predicted-to-break-all-time-record-in-2021)
- [easier](http://www.mortgagegrader.com/easier)
- [Radio Show Test Page](http://www.mortgagegrader.com/radio-show-test-page)
- [Cash-out refinancing, home equity lending may come to a halt ](http://www.mortgagegrader.com/cash-out-refinancing-home-equity-lending-may-come-to-a-halt-)
- [Self-employed landlords battle harder for home-loan approvals](http://www.mortgagegrader.com/self-employed-landlords-battle-harder-for-home-loan-approvals)
- [Banks should match rate discounts for low-wealth Blacks  ](http://www.mortgagegrader.com/banks-should-match-rate-discounts-for-low-wealth-blacks--)
- [Will new granny flat laws ruin nice neighborhoods?](http://www.mortgagegrader.com/will-new-granny-flat-laws-ruin-nice-neighborhoods)
- [ss100816](http://www.mortgagegrader.com/ss100816)
- [Affordable Jumbos](http://www.mortgagegrader.com/affordable-jumbos)
- [2019 Predictions](http://www.mortgagegrader.com/2019-predictions)
- [Patient Buyer](http://www.mortgagegrader.com/patient-buyer)
- [Tips for landlords going without rental income](http://www.mortgagegrader.com/tips-for-landlords-going-without-rental-income)
- [How many refinances are you allowed during a pandemic?](http://www.mortgagegrader.com/how-many-refinances-are-you-allowed-during-a-pandemic)
- [Southern California mortgage brokers suspected in fraudulent loan applications](http://www.mortgagegrader.com/southern-california-mortgage-brokers-suspected-in-fraudulent-loan-applications)
- [trump](http://www.mortgagegrader.com/trump)
- [Will home values tank post pandemic? ](http://www.mortgagegrader.com/will-home-values-tank-post-pandemic)
- [COVID pandemic helps push mortgage rate down 35% in 2 years](http://www.mortgagegrader.com/covid-pandemic-helps-push-mortgage-rate-down-35-in-2-years)
- [How to boost Black homeownership rates](http://www.mortgagegrader.com/how-to-boost-black-homeownership-rates)
- [Pandemic making it harder for self-employed borrowers to get a mortgage](http://www.mortgagegrader.com/pandemic-making-it-harder-for-self-employed-borrowers-to-get-a-mortgage)
- [Bidding wars, outdated appraisals hamstring first-time homebuyers](http://www.mortgagegrader.com/bidding-wars-outdated-appraisals-hamstring-first-time-homebuyers)
- [PROP 19 CREATES CONFOUNDING QUESTIONS, GOTCHA RULES   ](http://www.mortgagegrader.com/prop-19-creates-confounding-questions-gotcha-rules---)
- [Getting a granny flat loan is easy peasy](http://www.mortgagegrader.com/getting-a-granny-flat-loan-is-easy-peasy)
- [Prediction: Home values will drop by 25% to 50% in decade ahead](http://www.mortgagegrader.com/prediction-home-values-will-drop-by-25-to-50-in-decade-ahead)
- [FHA Commissioner Montgomery, leave down payment assistance alone ](http://www.mortgagegrader.com/fha-commissioner-montgomery-leave-down-payment-assistance-alone-)
- [Wraparound mortgages can help home sellers boost their prices](http://www.mortgagegrader.com/wraparound-mortgages-can-help-home-sellers-boost-their-prices)
- [Coming soon to your refi: A half-point fee that could add $2,500 or more to costs](http://www.mortgagegrader.com/coming-soon-to-your-refi-a-half-point-fee-that-could-add-2500-or-more-to-costs)
- [How to navigate mortgage application landmines during a pandemic](http://www.mortgagegrader.com/how-to-navigate-mortgage-application-landmines-during-a-pandemic)
- [Volatile coronavirus and no stimulus means lower mortgage rates ahead](http://www.mortgagegrader.com/volatile-coronavirus-and-no-stimulus-means-lower-mortgage-rates-ahead)
- [gotcha](http://www.mortgagegrader.com/gotcha)
- [Lenders throwing lifeline to borrowers impacted by coronavirus ](http://www.mortgagegrader.com/lenders-throwing-lifeline-to-borrowers-impacted-by-coronavirus-)
- [High-balance loan limits to soar to record $822,375 in 2021](http://www.mortgagegrader.com/high-balance-loan-limits-to-soar-to-record-822375-in-2021)
- [Mortgage payment forbearance must be expanded](http://www.mortgagegrader.com/mortgage-payment-forbearance-must-be-expanded)
- [reverse](http://www.mortgagegrader.com/reverse)
- [second half](http://www.mortgagegrader.com/second-half)
- [grants](http://www.mortgagegrader.com/grants)
- [Democratic presidential candidates answer 3 hot housing questions](http://www.mortgagegrader.com/democratic-presidential-candidates-answer-3-hot-housing-questions)
- [How soon will fixed mortgage rates fall below 2%?](http://www.mortgagegrader.com/how-soon-will-fixed-mortgage-rates-fall-below-2)
- [disasters](http://www.mortgagegrader.com/disasters)
- [creative](http://www.mortgagegrader.com/creative)
- [wait](http://www.mortgagegrader.com/wait)
- [mortgage insurance](http://www.mortgagegrader.com/mortgage-insurance)
- [kids](http://www.mortgagegrader.com/kids)
- [fraudsters](http://www.mortgagegrader.com/fraudsters)
- [faster](http://www.mortgagegrader.com/faster)
- [piggyback](http://www.mortgagegrader.com/piggyback)
- [Rates near 5%](http://www.mortgagegrader.com/rates-near-5)
- [Sweat Equity](http://www.mortgagegrader.com/sweat-equity)
- [borrowing against your home](http://www.mortgagegrader.com/borrowing-against-your-home)
- [procrastinating](http://www.mortgagegrader.com/procrastinating)
- [mull](http://www.mortgagegrader.com/mull)
- [Mortgage prediction for 2020: a 30-year fixed at 2.875% without points](http://www.mortgagegrader.com/mortgage-prediction-for-2020-a-30-year-fixed-at-2875-without-points)
- [deeper](http://www.mortgagegrader.com/deeper)
- [2018 predictions](http://www.mortgagegrader.com/2018-predictions)
- [Stated Income](http://www.mortgagegrader.com/stated-income)
- [Credit Reports Lower Lending Bar](http://www.mortgagegrader.com/credit-reports-lower-lending-bar)
- [Down payment insurance](http://www.mortgagegrader.com/down-payment-insurance)
- [HELOC loans](http://www.mortgagegrader.com/heloc-loans)
- [Equifax Hackers](http://www.mortgagegrader.com/equifax-hackers)
- [Are points still deductible](http://www.mortgagegrader.com/are-points-still-deductible)
- [agent](http://www.mortgagegrader.com/agent)
- [blame](http://www.mortgagegrader.com/blame)
- [goodtime](http://www.mortgagegrader.com/goodtime)
- [landlords](http://www.mortgagegrader.com/landlords)
- [vacation](http://www.mortgagegrader.com/vacation)
- [relaxes](http://www.mortgagegrader.com/relaxes)
- [better](http://www.mortgagegrader.com/better)
- [Fannie, Freddie high-cost loan limits raised to record $765,600](http://www.mortgagegrader.com/fannie-freddie-high-cost-loan-limits-raised-to-record-765600)
- [comeback](http://www.mortgagegrader.com/comeback)
- [czar](http://www.mortgagegrader.com/czar)
- [fed](http://www.mortgagegrader.com/fed)
- [several](http://www.mortgagegrader.com/several)
- [heels](http://www.mortgagegrader.com/heels)
- [New FHA cash-out refi rule curbs financing for moderate-income borrowers ](http://www.mortgagegrader.com/new-fha-cash-out-refi-rule-curbs-financing-for-moderate-income-borrowers-)
- [Will coronavirus outbreak slam U.S. home prices?](http://www.mortgagegrader.com/will-coronavirus-outbreak-slam-us-home-prices)
- [borrowers beware](http://www.mortgagegrader.com/borrowers-beware)
- [Tax bill due in April](http://www.mortgagegrader.com/tax-bill-due-in-april)
- [Proposed self-employment mortgage act will allow risky loans](http://www.mortgagegrader.com/proposed-self-employment-mortgage-act-will-allow-risky-loans)
- [Mortgage tech show pt II](http://www.mortgagegrader.com/mortgage-tech-show-pt-ii)
- [time to unheloc](http://www.mortgagegrader.com/time-to-unheloc)
- [Laguna Woods co-op ends decade-long lender monopoly](http://www.mortgagegrader.com/laguna-woods-co-op-ends-decade-long-lender-monopoly)
- [Client gets new mortgage after failing to pay 2nd for eight years](http://www.mortgagegrader.com/client-gets-new-mortgage-after-failing-to-pay-2nd-for-eight-years)
- [Mortgage rates rise sharply from last week’s record low](http://www.mortgagegrader.com/mortgage-rates-rise-sharply-from-last-weeks-record-low)
- [Self-employed borrowers face new scrutiny from Fannie, Freddie](http://www.mortgagegrader.com/self-employed-borrowers-face-new-scrutiny-from-fannie-freddie)
- [Privacy Concerns](http://www.mortgagegrader.com/privacy-concerns)
- [hikes](http://www.mortgagegrader.com/hikes)
- [How soon until the next recession](http://www.mortgagegrader.com/how-soon-until-the-next-recession)
- [slows](http://www.mortgagegrader.com/slows)
- [Highest Sustained increases in 40 years](http://www.mortgagegrader.com/highest-sustained-increases-in-40-years)
- [Improve the CFPB](http://www.mortgagegrader.com/improve-the-cfpb)
- [Regulator ends debt-ratio standard for mortgage approvals](http://www.mortgagegrader.com/regulator-ends-debt-ratio-standard-for-mortgage-approvals)
- [Mixed economic signals could spell a choppy housing market ahead](http://www.mortgagegrader.com/mixed-economic-signals-could-spell-a-choppy-housing-market-ahead)
- [homeruns](http://www.mortgagegrader.com/homeruns)
- [wary](http://www.mortgagegrader.com/wary)
- [What’s driving this week’s spike in mortgage applications?](http://www.mortgagegrader.com/whats-driving-this-weeks-spike-in-mortgage-applications)
- [Mortgage qualifying rules get creative](http://www.mortgagegrader.com/mortgage-qualifying-rules-get-creative)
- [bailout](http://www.mortgagegrader.com/bailout)
- [fico](http://www.mortgagegrader.com/fico)
- [bucks](http://www.mortgagegrader.com/bucks)
- [Alimony payments to help borrowers](http://www.mortgagegrader.com/alimony-payments-to-help-borrowers)
- [are lenders doing enough to prevent mortgage fraud](http://www.mortgagegrader.com/are-lenders-doing-enough-to-prevent-mortgage-fraud)
- [Fannie and Freddie impeding ARMs](http://www.mortgagegrader.com/fannie-and-freddie-impeding-arms)
- [up to 85% cash-out](http://www.mortgagegrader.com/up-to-85-cash-out)
- [Increasing Mortgage Limits](http://www.mortgagegrader.com/increasing-mortgage-limits)
- [trigger](http://www.mortgagegrader.com/trigger)
- [payment hike](http://www.mortgagegrader.com/payment-hike)
- [hand](http://www.mortgagegrader.com/hand)
- [tricks and treats](http://www.mortgagegrader.com/tricks-and-treats)
- [reverse mortgages](http://www.mortgagegrader.com/reverse-mortgages)
- [closing escrow](http://www.mortgagegrader.com/closing-escrow)
- [Those working in battered industries may not get their mortgages approved](http://www.mortgagegrader.com/those-working-in-battered-industries-may-not-get-their-mortgages-approved)
- [Silent Second](http://www.mortgagegrader.com/silent-second)
- [conforming loan](http://www.mortgagegrader.com/conforming-loan)
- [Sales slowdown gives home buyers more leverage](http://www.mortgagegrader.com/sales-slowdown-gives-home-buyers-more-leverage)
- [Tax credits could help foreclosure victims buy homes again](http://www.mortgagegrader.com/tax-credits-could-help-foreclosure-victims-buy-homes-again)
- [Slowdown creates opportunity for first-time buyers](http://www.mortgagegrader.com/slowdown-creates-opportunity-for-first-time-buyers)
- [Mortgage rates for borrowers with damaged credit are dropping](http://www.mortgagegrader.com/mortgage-rates-for-borrowers-with-damaged-credit-are-dropping)
- [Self-Employed borrowers best rates](http://www.mortgagegrader.com/self-employed-borrowers-best-rates)
- [Fannie and Freddie help ditch Mortgage Insurance](http://www.mortgagegrader.com/fannie-and-freddie-help-ditch-mortgage-insurance)
- [Conventional Limit Increases](http://www.mortgagegrader.com/conventional-limit-increases)
- [Below 4% for first time in 18 months](http://www.mortgagegrader.com/below-4-for-first-time-in-18-months)
- [85% Cash Out](http://www.mortgagegrader.com/85-cash-out)
- [Falling Rates](http://www.mortgagegrader.com/falling-rates)
- [delay](http://www.mortgagegrader.com/delay)
- [Why are the lowest mortgage rates so hard to capture? ](http://www.mortgagegrader.com/why-are-the-lowest-mortgage-rates-so-hard-to-capture-)
- [Risky mortgages back 10 weeks after dramatic crash](http://www.mortgagegrader.com/risky-mortgages-back-10-weeks-after-dramatic-crash)
- [ss080517](http://www.mortgagegrader.com/ss080517)
- [Stated income standards](http://www.mortgagegrader.com/stated-income-standards)
- [ss060317](http://www.mortgagegrader.com/ss060317)
- [Deal allows risky home loans ‘business purpose'](http://www.mortgagegrader.com/deal-allows-risky-home-loans-business-purpose)
- [Reverse mortgages available to borrowers as young as 60](http://www.mortgagegrader.com/reverse-mortgages-available-to-borrowers-as-young-as-60)
- [Fractional ownership provides alternative For priced-out home shoppers](http://www.mortgagegrader.com/fractional-ownership-provides-alternative-for-priced-out-home-shoppers)
- [Super-low mortgage rates: A blessing or ominous sign of next housing downfall?  ](http://www.mortgagegrader.com/super-low-mortgage-rates-a-blessing-or-ominous-sign-of-next-housing-downfall--)
- [Appraisal Waivers](http://www.mortgagegrader.com/appraisal-waivers)
- [VA offers $50,000 for renovations](http://www.mortgagegrader.com/va-offers-50000-for-renovations)
- [Financing for profitable property flipping](http://www.mortgagegrader.com/financing-for-profitable-property-flipping)
- [Want to be a landlord](http://www.mortgagegrader.com/want-to-be-a-landlord)
- [FHA to ease access to loans in unapproved condo complexes](http://www.mortgagegrader.com/fha-to-ease-access-to-loans-in-unapproved-condo-complexes)
- [Wildfire Victims](http://www.mortgagegrader.com/wildfire-victims)
- [Bridge Loans](http://www.mortgagegrader.com/bridge-loans)
- [Opportunity Zones](http://www.mortgagegrader.com/opportunity-zones)
- [Mortgage brokers’ share of home loans on the rise](http://www.mortgagegrader.com/mortgage-brokers-share-of-home-loans-on-the-rise)
- [Real estate agents as appraisers is risky](http://www.mortgagegrader.com/real-estate-agents-as-appraisers-is-risky)
- [Agent kickbacks](http://www.mortgagegrader.com/agent-kickbacks)
- [Fannie, Freddie appraisal secrecy hurts first-time buyers ](http://www.mortgagegrader.com/fannie-freddie-appraisal-secrecy-hurts-first-time-buyers)
- [6 turbo-charged ideas](http://www.mortgagegrader.com/6-turbo-charged-ideas)
- [Mortgage competition banned at Laguna Woods co-ops](http://www.mortgagegrader.com/mortgage-competition-banned-at-laguna-woods-co-ops)
- [Robots could replace loan officers in the future](http://www.mortgagegrader.com/robots-could-replace-loan-officers-in-the-future)
- [State Regulators don't second guess low-ball appraisals](http://www.mortgagegrader.com/state-regulators-dont-second-guess-low-ball-appraisals)
- [options](http://www.mortgagegrader.com/options)
- [new rules](http://www.mortgagegrader.com/new-rules)
- [/first-home/](http://www.mortgagegrader.com/first-home)
- [fixes](http://www.mortgagegrader.com/fixes)
- [refi mania](http://www.mortgagegrader.com/refi-mania)
- [Act now to avoid interest-rate spikes](http://www.mortgagegrader.com/act-now-to-avoid-interest-rate-spikes)
- [Mortgage issues that Congress should act on to help consumers](http://www.mortgagegrader.com/mortgage-issues-that-congress-should-act-on-to-help-consumers)
- [First time ever: Standalone fixed-rate second mortgages allow 100% cash-out](http://www.mortgagegrader.com/first-time-ever-standalone-fixed-rate-second-mortgages-allow-100-cash-out)
- [Small borrowers, pot providers and gun dealers need more access to lending](http://www.mortgagegrader.com/small-borrowers-pot-providers-and-gun-dealers-need-more-access-to-lending)
- [Mortgage Tech Show](http://www.mortgagegrader.com/mortgage-tech-show)
- [New Frontier of Mortgage](http://www.mortgagegrader.com/new-frontier-of-mortgage)
- [Experian Boost may help risky borrowers buy a home](http://www.mortgagegrader.com/experian-boost-may-help-risky-borrowers-buy-a-home)
- [Low mortgage rates trigger more loan applications – and longer delays](http://www.mortgagegrader.com/low-mortgage-rates-trigger-more-loan-applications--and-longer-delays)
- [Refi opportunities revive as 30-year mortgage rate drops to 3.82%](http://www.mortgagegrader.com/refi-opportunities-revive-as-30-year-mortgage-rate-drops-to-382)
- [Tariffs recession spell end rising mortgages](http://www.mortgagegrader.com/tariffs-recession-spell-end-rising-mortgages)
- [debt and bad credit stop from buying](http://www.mortgagegrader.com/debt-and-bad-credit-stop-from-buying)
- [CA raises cap for first time homebuyers](http://www.mortgagegrader.com/ca-raises-cap-for-first-time-homebuyers)
- [Mortgage rates lowest in 3 years; Fannie, Freddie lower income requirements for downpayment program](http://www.mortgagegrader.com/mortgage-rates-lowest-in-3-years-fannie-freddie-lower-income-requirements-for-downpayment-program)
- [Could fannie and freddie soon have competition](http://www.mortgagegrader.com/could-fannie-and-freddie-soon-have-competition)
- [2020 may be a good time to build a granny flat](http://www.mortgagegrader.com/2020-may-be-a-good-time-to-build-a-granny-flat-12/5/19)
- [points](http://www.mortgagegrader.com/points)
- [beat](http://www.mortgagegrader.com/beat)
- [tick](http://www.mortgagegrader.com/tick)
- [hidden](http://www.mortgagegrader.com/hidden)
- [fargo](http://www.mortgagegrader.com/fargo)
- [ss072217](http://www.mortgagegrader.com/ss072217)
- [alternative](http://www.mortgagegrader.com/alternative)
- [fanny](http://www.mortgagegrader.com/fanny)
- [too late](http://www.mortgagegrader.com/too-late)
- [nextyear](http://www.mortgagegrader.com/nextyear)
- [parent](http://www.mortgagegrader.com/parent)
- [dip](http://www.mortgagegrader.com/dip)
- [hard](http://www.mortgagegrader.com/hard)
- [Orange County homeowners](http://www.mortgagegrader.com/orange-county-homeowners)
- [bubble era](http://www.mortgagegrader.com/bubble-era)
- [moreoptions](http://www.mortgagegrader.com/moreoptions)
- [volume](http://www.mortgagegrader.com/volume)
- [election](http://www.mortgagegrader.com/election)
- [refinance activity](http://www.mortgagegrader.com/refinance-activity)
- [Mortgage Data Breach](http://www.mortgagegrader.com/mortgage-data-breach)
- [Fog the mirror mortgages are back](http://www.mortgagegrader.com/fog-the-mirror-mortgages-are-back)
- [720 mortgage companies took PPP money, claiming jobs saved](http://www.mortgagegrader.com/720-mortgage-companies-took-ppp-money-claiming-jobs-saved)
- [Are banks trying to squeeze out mortgage brokers? ](http://www.mortgagegrader.com/are-banks-trying-to-squeeze-out-mortgage-brokers-)
- [bank statement second and HELOCS](http://www.mortgagegrader.com/bank-statement-second-and-helocs)
- [clock](http://www.mortgagegrader.com/clock)
- [Client Testimonials](http://www.mortgagegrader.com/client-testimonials)
- [energy](http://www.mortgagegrader.com/energy)
- [buyers](http://www.mortgagegrader.com/buyers)
- [horizon](http://www.mortgagegrader.com/horizon)
- [travel](http://www.mortgagegrader.com/travel)
- [recession looming](http://www.mortgagegrader.com/recession-looming)
- [shacking](http://www.mortgagegrader.com/shacking)
- [5](http://www.mortgagegrader.com/5)
- [scorecard](http://www.mortgagegrader.com/scorecard)
- [More Affordable](http://www.mortgagegrader.com/more-affordable)
- [newest](http://www.mortgagegrader.com/newest)
- [Buy or Rent](http://www.mortgagegrader.com/buy-or-rent)
- [Home equity borrowing down dramatically since housing crash](http://www.mortgagegrader.com/home-equity-borrowing-down-dramatically-since-housing-crash)
- [nocredit](http://www.mortgagegrader.com/nocredit)
- [credit](http://www.mortgagegrader.com/credit)
- [rule](http://www.mortgagegrader.com/rule)
- [international credit report](http://www.mortgagegrader.com/international-credit-report)
- [Borrowers risk losing their homes as unpaid mortgage bills pile up](http://www.mortgagegrader.com/borrowers-risk-losing-their-homes-as-unpaid-mortgage-bills-pile-up)
- [Congressional bills](http://www.mortgagegrader.com/congressional-bills)
- [New program offers hard-money mortgages at half the rate](http://www.mortgagegrader.com/new-program-offers-hard-money-mortgages-at-half-the-rate)
- [housing market slowdown](http://www.mortgagegrader.com/housing-market-slowdown)
- [Dead people on title](http://www.mortgagegrader.com/dead-people-on-title)
- [Will Fannie and Freddie comply with new privacy law?](http://www.mortgagegrader.com/will-fannie-and-freddie-comply-with-new-privacy-law)
- [quicker](http://www.mortgagegrader.com/quicker)

## Blog Posts

- [Buyer beware: Why Fannie Mae’s condo blacklist is likely to grow](http://www.mortgagegrader.com/blog/buyer-beware-why-fannie-maes-condo-blacklist-is-likely-to-grow.md): More rounds of tougher standards are coming in August and January 2027
- [Active Duty. VA Benefit. Use It Now](http://www.mortgagegrader.com/blog/active-duty-va-benefit-use-it-now.md): VA Benefits
- [Lawmakers push for higher capital gains exemptions, with an eye on home sales](http://www.mortgagegrader.com/blog/lawmakers-push-for-higher-capital-gains-exemptions-with-an-eye-on-home-sales.md): Four tax relief bills have been introduced to save certain home-sellers more money
- [Buying a Home Directly From the Seller? Read This First](http://www.mortgagegrader.com/blog/buying-a-home-directly-from-the-seller-read-this-first.md): Homebuying tips FSBO
- [What are the most asked questions from first-time homebuyers?](http://www.mortgagegrader.com/blog/what-are-the-most-asked-questions-from-first-time-homebuyers.md): Don’t quit your job or get yourself fired in the middle of escrow
- [Condos Reward the Prepared Buyer](http://www.mortgagegrader.com/blog/condos-reward-the-prepared-buyer.md): Condos Reward the Prepared Buyer
- [Mortgage Approval Documents: Know Before You Apply](http://www.mortgagegrader.com/blog/mortgage-approval-documents-know-before-you-apply.md): Mortgage Approval checklist
- [Is AI ready to arrange your mortgage without a human loan officer?](http://www.mortgagegrader.com/blog/is-ai-ready-to-arrange-your-mortgage-without-a-human-loan-officer.md): According to NerdWallet’s 2026 homebuyer report, about half (48%) of Americans who plan to buy a home in the next 12 months say they have or will use AI tools during the homebuying process
- [VantageScore, a FICO competitor, launches pilot with 21 mortgage lenders](http://www.mortgagegrader.com/blog/vantagescore-a-fico-competitor-launches-pilot-with-21-mortgage-lenders.md): Renters with just one month of credit may now be able to qualify for a mortgage
- [The Wealth Ladder](http://www.mortgagegrader.com/blog/the-wealth-ladder.md): Homeownership builds wealth
- [Mortgage rates could hit 7% if Iran war doesn’t end soon](http://www.mortgagegrader.com/blog/mortgage-rates-could-hit-7-if-iran-war-doesnt-end-soon.md): Rates are going crazy. And not in a good way.
- [What If Rates Drop After You Lock?](http://www.mortgagegrader.com/blog/what-if-rates-drop-after-you-lock.md): What to do if rates drop after you locked your rate?
- [Cash-out home loans on the rise for debt reduction, renovations](http://www.mortgagegrader.com/blog/cash-out-home-loans-on-the-rise-for-debt-reduction-renovations.md): Home improvements, credit card consolidation and buying more real estate are among the reasons homeowners tap their equity
- [If conventional mortgage financing fails you, try the exotic avenue](http://www.mortgagegrader.com/blog/if-conventional-mortgage-financing-fails-you-try-the-exotic-avenue.md): The typical non-QM borrower today has non-standard documentation because they earn income from gig work and side hustles, says a Cotality economist
- [Mortgage Insurance Has More Than One Face](http://www.mortgagegrader.com/blog/mortgage-insurance-has-more-than-one-face.md): Mortgage Insurance Has varieties
- [1 in 5 reverse mortgage borrowers reports money shortfalls at home](http://www.mortgagegrader.com/blog/1-in-5-reverse-mortgage-borrowers-reports-money-shortfalls-at-home.md): A survey found that 21% of reverse mortgage holders seeking financial counseling in 2025 carried monthly expenses exceeding monthly income compared with 12.2% in 2024
- [Rate Shopping Mistakes](http://www.mortgagegrader.com/blog/rate-shopping-mistakes.md): Rate Shopping Mistakes
- [One Score May No Longer Decide](http://www.mortgagegrader.com/blog/one-score-may-no-longer-decide.md): did you know your qualification does not depend on one score anymore?
- [How to make your home loan process go as smoothly as possible](http://www.mortgagegrader.com/blog/how-to-make-your-home-loan-process-go-as-smoothly-as-possible.md): Jeff Lazerson: The most important thing a buyer can control is their actions and behavior during the mortgage application process
- [You’re Not Just Buying a Home—You’re Locking in a Financial Advantage](http://www.mortgagegrader.com/blog/youre-not-just-buying-a-homeyoure-locking-in-a-financial-advantage.md): Why Buying with higher rates is better than renting?
- [Consumer poll: What’s important to today’s homebuyers?](http://www.mortgagegrader.com/blog/consumer-poll-whats-important-to-todays-homebuyers.md): 75% of prospective borrowers said finding a low interest rate was the most important thing when selecting a lender
- [HELOC vs. Cash-Out Refinance: It’s Not About the Product—It’s About the Timing](http://www.mortgagegrader.com/blog/heloc-vs-cash-out-refinance-its-not-about-the-productits-about-the-timing.md): HELOC vs. Cash Out Refinance - Do you want to know which works  
- [War, rates, inflation: More headwinds ahead for homebuyers](http://www.mortgagegrader.com/blog/war-rates-inflation-more-headwinds-ahead-for-homebuyers.md): Words like stagflation and recession are being tossed around by experts
- [The cost of FICO mortgage credit reports has soared for borrowers](http://www.mortgagegrader.com/blog/the-cost-of-fico-mortgage-credit-reports-has-soared-for-borrowers.md): To drive down what borrowers pay for credit reports, legislative action is needed to create more credit bureau competition
- [Your Equity Is Doing Nothing — Here’s How Smart Homeowners Use It](http://www.mortgagegrader.com/blog/your-equity-is-doing-nothing-heres-how-smart-homeowners-use-it.md): Find out about smart moves you can do with the equity built in your house. 
- [More rules coming for Fannie Mae, Freddie Mac condo approvals](http://www.mortgagegrader.com/blog/more-rules-coming-for-fannie-mae-freddie-mac-condo-approvals.md): Blacklisted condos will have higher hurdles to become eligible with Fannie Mae and Freddie Mac
- [Surprise costs bite homebuyers by nearly $24,000](http://www.mortgagegrader.com/blog/surprise-costs-bite-homebuyers-by-nearly-24000.md): In a nationwide survey, 73% of respondents would have made different decisions if they knew about the extra expenses
- [Smart Buyers Can Benefit When Rates Rise](http://www.mortgagegrader.com/blog/smart-buyers-can-benefit-when-rates-rise.md): Why High Rates Market Might Be a Smart Time to Buy
- [31% of California mortgages in 2025 used an adjustable rate](http://www.mortgagegrader.com/blog/31-of-california-mortgages-in-2025-used-an-adjustable-rate.md): Short-term cash flow is replacing fixed-rate stability
- [A new ‘last resort’ HELOC allows borrowers to qualify for more home equity](http://www.mortgagegrader.com/blog/a-new-last-resort-heloc-allows-borrowers-to-qualify-for-more-home-equity.md): This last resort loan program is aimed at people who want to tap equity to pay off medical or consumer debt
- [Where an ARM (Adjustable-Rate Mortgage) May Be a Smarter Move](http://www.mortgagegrader.com/blog/where-an-arm-adjustable-rate-mortgage-may-be-a-smarter-move.md): Find out when an ARM mortgage might be better than Fixed Rate Mortgage
- [Should you pay off mortgage debt sooner with a 15-year loan?](http://www.mortgagegrader.com/blog/should-you-pay-off-mortgage-debt-sooner-with-a-15-year-loan.md): Using a 30-year mortgage, a homeowner financing $641,250, would pay $1,746,792 over the life of the loan
- [Is Refinancing Your Mortgage the Right Move?](http://www.mortgagegrader.com/blog/is-refinancing-your-mortgage-the-right-move.md): Find out if refinancing is right for you.
- [Reverse 1031 exchange: How to tap equity for your next house](http://www.mortgagegrader.com/blog/reverse-1031-exchange-how-to-tap-equity-for-your-next-house.md): A reverse 1031 allows investors to buy a replacement property before selling the relinquishing property
- [Housing Affordability in 2026: Why Rates Are not the Only Factor](http://www.mortgagegrader.com/blog/housing-affordability-in-2026-why-rates-are-not-the-only-factor.md): Learn about home affordability factors with examples nationwide.
- [Why a liar loan is one easy option for self-employed homebuyers](http://www.mortgagegrader.com/blog/why-a-liar-loan-is-one-easy-option-for-self-employed-homebuyers.md): These exotic loans often require good credit, down payment (or equity) and lots of cash reserves
- [Why economists see the housing market flattening in 2026](http://www.mortgagegrader.com/blog/why-economists-see-the-housing-market-flattening-in-2026.md): Worries about the job market and still-rising home prices could keep buying in check
- [New California law requires deed notifications to combat property fraud](http://www.mortgagegrader.com/blog/new-california-law-requires-deed-notifications-to-combat-property-fraud.md): By Jan. 1, 2027, every California county (except Los Angeles County, as it designed its own program) is required to establish a county recorder notification program
- [Loyalty to Your Bank? Even With Your Home-Loan?](http://www.mortgagegrader.com/blog/loyalty-to-your-bank-even-with-your-home-loan.md): Decided whether you are should use your bank or a mortgage broker?
- [Refinancing Isn’t Just About the Rate — It’s About Your Options](http://www.mortgagegrader.com/blog/refinancing-isnt-just-about-the-rate-its-about-your-options.md): Learn what options refinancing makes available to you.
- [Are Trump’s housing proposals any good?](http://www.mortgagegrader.com/blog/are-trumps-housing-proposals-any-good.md): President Donald Trump and his administration have been throwing out all kinds of ideas to make housing more affordable
- [BIG NEWS: Mortgage Rates Are at Their Lowest Level in Years—What That Means for You](http://www.mortgagegrader.com/blog/big-news-mortgage-rates-are-at-their-lowest-level-in-yearswhat-that-means-for-you.md): Find out what this rate drop means to you for buying a new home.
- [Bridge financing isn’t the only way to buy a home on contingency](http://www.mortgagegrader.com/blog/bridge-financing-isnt-the-only-way-to-buy-a-home-on-contingency.md): Buyers caught up in contingent sales sometimes miss out on opportunities to buy property in the midst of a heated sales process
- [Lock-in Effect: Something big just happened in the U.S. Housing Market](http://www.mortgagegrader.com/blog/lock-in-effect-something-big-just-happened-in-the-us-housing-market.md): Find out what the experts are anticipating for 2026 housing
- [Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows](http://www.mortgagegrader.com/blog/holiday-week-catch-up-mortgage-rates-hover-near-2-month-lows.md): A holiday-week catch-up: light trading kept markets mostly sideways, but the average 30-year fixed edged to near two-month lows as bonds got a small lift from Europe and pending home sales improved.
- [Lazerson’s 2026 mortgage and housing predictions](http://www.mortgagegrader.com/blog/lazersons-2026-mortgage-and-housing-predictions.md): High inflation and a weak job market will be the big storyline in 2026
- [Inflation Cools in November — What It Means for Mortgage Rates](http://www.mortgagegrader.com/blog/mortgage-rates-stuck-as-the-fed-weighs-jobs-vs-inflation.md): Inflation slowed in November after peaking earlier this fall. Here’s what that means for mortgage rates and what homebuyers should watch next.
- [As debt mounts, is it worth tapping a home equity line of credit?](http://www.mortgagegrader.com/blog/as-debt-mounts-is-it-worth-tapping-a-home-equity-line-of-credit.md): A home equity line of credit or HELOC may help you to coral debt, knock credit card interest rate down and improve a cash-flow situation
- [Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook](http://www.mortgagegrader.com/blog/fed-cuts-again-but-dot-plot-steers-mortgage-rate-outlook.md): The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.
- [Is paying for a mortgage rate buydown a good idea for you?](http://www.mortgagegrader.com/blog/is-paying-for-a-mortgage-rate-buydown-a-good-idea-for-you.md): Whether buying property or refinancing, you have the option to pay for points and lower the mortgage interest rate.
- [This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s](http://www.mortgagegrader.com/blog/this-week-in-mortgage-rates-buyers-are-back-as-rates-hover-in-the-low-6s.md): Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
- [Southern California’s mortgage loan limits get a small boost for 2026](http://www.mortgagegrader.com/blog/southern-californias-mortgage-loan-limits-get-a-small-boost-for-2026.md): The maximum conforming mortgage size for one unit goes to $832,750 from the 2025 maximum limit of $806,500
- [Stronger Data Last Week Caused a Slight Rate Bump](http://www.mortgagegrader.com/blog/stronger-data-last-week-caused-a-slight-rate-bump.md): Stronger jobless-claims and durable-goods data from last week pushed the average 30-year fixed slightly higher, but mortgage rates are still near recent lows. Here’s what that means for buyers and homeowners
- [VantageScore, a new FICO competitor, may help mortgage shoppers with little credit](http://www.mortgagegrader.com/blog/vantagescore-a-new-fico-competitor-may-help-mortgage-shoppers-with-little-credit.md): Reporting rent, utility or a credit card for one month may make you mortgage ready
- [What Today’s Jobs Report Means for Mortgage Rates](http://www.mortgagegrader.com/blog/what-todays-jobs-report-means-for-mortgage-rates.md): Mortgage rates held steady after a mixed jobs report, with unemployment rising and job growth coming in stronger than expected. Learn what this means for homebuyers and what to watch next.
- [How a 50-year mortgage can improve affordability for first-time buyers](http://www.mortgagegrader.com/blog/how-a-50-year-mortgage-can-improve-affordability-for-first-time-buyers.md): As the homebuyers grow into the home more comfortably, they can always refinance into a 30-year fixed rate.
- [50-Year Mortgages? Here’s What You Need to Know](http://www.mortgagegrader.com/blog/50-year-mortgages-heres-what-you-need-to-know.md): The Trump administration says it’s exploring 50-year mortgage options to help with affordability. Learn what this could mean for homebuyers, monthly payments, and long-term costs.
- [Fannie Mae eliminating minimum 620 credit score eligibility requirement](http://www.mortgagegrader.com/blog/fannie-mae-eliminating-minimum-620-credit-score-eligibility-requirement.md): This is good news for those who might be on the credit bubble with a low FICO score but have strong income and cash reserves
- [Fannie Mae’s Big Update: You May Qualify Even With a Credit Score Below 620](http://www.mortgagegrader.com/blog/fannie-maes-big-update-you-may-qualify-even-with-a-credit-score-below-620.md): Fannie Mae’s new credit score policy lets lenders use automated approvals even for borrowers below 620. Here’s what that means for homebuyers who thought they couldn’t qualify.
- [What’s Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)](http://www.mortgagegrader.com/blog/whats-going-on-with-mortgage-rates-explain-it-to-a-5th-grader-version.md): Mortgage rates dipped, then jumped after the Fed’s cut. A $15B corporate bond sale and stronger economic reports added pressure. Here’s the simple, kid-level way to understand what’s happening and what it means for buyers.
- [Economists’ forecast: Housing, Wall Street a mix of ‘we are screwed’ to ‘all good’](http://www.mortgagegrader.com/blog/economists-forecast-housing-wall-street-a-mix-of-we-are-screwed-to-all-good.md): Most think mortgage rates will go down, while others see danger signs in labor market and homebuying affordability
- [Mortgage Rates Jump After the Fed’s Rate Cut — Here’s Why](http://www.mortgagegrader.com/blog/mortgage-rates-jump-after-the-feds-rate-cut-heres-why.md): The Federal Reserve cut rates again, but mortgage rates actually rose. Learn why this happens, what Powell said, and what it means for homebuyers.
- [Homebuyers, do you finance now or wait for Fed to drop rates?](http://www.mortgagegrader.com/blog/homebuyers-do-you-finance-now-or-wait-for-fed-to-drop-rates.md): The 30-year fixed rate averaged 6.19%, 8 basis points lower than last week
- [Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data](http://www.mortgagegrader.com/blog/mortgage-rates-hold-near-yearly-lows-as-market-awaits-next-data.md): The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
- [Homebuyers will spend at least $1,500 before escrow closes](http://www.mortgagegrader.com/blog/homebuyers-will-spend-at-least-1500-before-escrow-closes.md): We're talking about the deposit, home inspection and appraisal
- [Gen Z and the Dream of Homeownership: Adapting to a Challenging Market](http://www.mortgagegrader.com/blog/gen-z-and-the-dream-of-homeownership-adapting-to-a-challenging-market.md): A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
- [How to shop for a mortgage loan originator](http://www.mortgagegrader.com/blog/how-to-shop-for-a-mortgage-loan-originator.md): Mortgage shopping can be a complicated and time-consuming process
- [Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform](http://www.mortgagegrader.com/blog/october-9-2025-mortgage-rates-tick-up-slightly-as-bonds-weaken-and-mbs-underperform.md): On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
- [How to find a buyers’ real estate agent and negotiate the commission](http://www.mortgagegrader.com/blog/how-to-find-a-buyers-real-estate-agent-and-negotiate-the-commission.md): California law requires house hunters sign a buyer representation and broker compensation agreement before making an offer
- [Mortgage Rates Holds Steady After Weak Jobs Report](http://www.mortgagegrader.com/blog/the-average-30-year-fixed-holds-steady-after-weak-jobs-report.md): On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
- [How to avoid overpaying for escrow and title insurance](http://www.mortgagegrader.com/blog/how-to-avoid-overpaying-for-escrow-and-title-insurance.md): Federal law allows homebuyers to shop and choose their settlement services
- [3 Reasons Home Affordability Is Improving This Fall](http://www.mortgagegrader.com/blog/3-reasons-home-affordability-is-improving-this-fall.md): Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
- [Mortgage applications explode as interest rates drop](http://www.mortgagegrader.com/blog/mortgage-applications-explode-as-interest-rates-drop.md): The refinance index increased 58% from the previous week and was 70% higher than the same week one year ago
- [Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)](http://www.mortgagegrader.com/blog/mortgage-rates-hit-yearly-lowsthen-jump-after-the-fed-cut-heres-what-happened-and-why-applications-just-surged.md): After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.
- [Timing your refinance: Should you wait for Fed rate cuts?](http://www.mortgagegrader.com/blog/timing-your-refinance-should-you-wait-for-fed-rate-cuts.md): Should you wait to refinance as rates are about to head lower? Or should you pull the trigger now, assuming you are “in the money?”
- [Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?](http://www.mortgagegrader.com/blog/mortgage-rates-near-11-month-lowswhats-next-with-the-fed.md): The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.
- [How 4 exotic mortgages can help unconventional borrowers](http://www.mortgagegrader.com/blog/how-4-exotic-mortgages-can-help-unconventional-borrowers.md): If a homebuyer doesn’t fit the conventional mortgage box, there is the option to use a so-called non-qualified mortgage, which often comes with higher rates and more money down
- [Why Mortgage Rates Move: What Every Homebuyer Should Know](http://www.mortgagegrader.com/blog/why-mortgage-rates-move-what-every-homebuyer-should-know.md): Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.
- [Own 2 homes? What is and what is not mortgage fraud](http://www.mortgagegrader.com/blog/own-2-homes-what-is-and-what-is-not-mortgage-fraud.md): There are situations in which a homebuyer could have two primary residences. The distinction that makes this legal is time.
- [Mortgage Rates Holding Steady… For Now](http://www.mortgagegrader.com/blog/mortgage-rates-holding-steady-for-now.md): After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
- [California’s tappable home equity slips in second quarter](http://www.mortgagegrader.com/blog/californias-tappable-home-equity-slips-in-second-quarter.md): As the pace of California home appreciation cools, Riverside County sees the largest decline in tappable equity in 12 months
- [30-year fixed rate mortgage drops to 5.99% for California buyers](http://www.mortgagegrader.com/blog/30-year-fixed-rate-mortgage-drops-to-599-for-california-buyers.md): A well-qualified borrower in California can lock down a 30-year fixed rate mortgage at 5.99% with 1-point cost.
- [Lower Rates? Don’t Relax Just Yet](http://www.mortgagegrader.com/blog/mortgage-rates-hold-steadybut-eyes-are-on-what-happens-next.md): Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
- [Mortgage Rates at 10-Month Lows! Big Opportunity!](http://www.mortgagegrader.com/blog/mortgage-rates-at-10-month-lows-big-opportunity.md): Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
- [Barrage of mortgage lenders in your mailbox coming to an end under new law](http://www.mortgagegrader.com/blog/barrage-of-mortgage-lenders-in-your-mailbox-coming-to-an-end-under-new-law.md): The bipartisan Homebuyers Privacy Protection Act will put an end to "trigger leads" sold by credit reporting companies to mortgage lenders
- [Rates Just Hit a 10-Month Low!](http://www.mortgagegrader.com/blog/rates-just-hit-a-10-month-low.md): Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
- [Economists, experts say status quo for mortgage rates, home prices](http://www.mortgagegrader.com/blog/economists-experts-say-status-quo-for-mortgage-rates-home-prices.md): "There are very few desperate sellers,” says Steven Thomas, a local real estate economist
- [Housing Market Confusing? Here’s Why You’re Hearing Mixed Messages](http://www.mortgagegrader.com/blog/housing-market-confusing-heres-why-youre-hearing-mixed-messages.md): Confused by the housing market? You're not alone. Here's why the market feels hot and cold at the same time—and what it means for you as a homebuyer.
- [How gig workers can qualify for Fannie Mae loans](http://www.mortgagegrader.com/blog/how-gig-workers-can-qualify-for-fannie-mae-loans.md): 1099s need to add up all the income — going as lightly as possible when it comes to deducting business expenses
- [Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?](http://www.mortgagegrader.com/blog/could-removing-capital-gains-taxes-on-home-sales-revive-the-housing-market.md): A new proposal suggests removing capital gains taxes on primary home sales to boost the housing market. Here’s what it could mean for homeowners and buyers.
- [Fannie Mae, Freddie Mac adding a dose of competition to FICO credit scoring](http://www.mortgagegrader.com/blog/fannie-mae-freddie-mac-adding-a-dose-of-competition-to-fico-credit-scoring.md): Adding this competitor created by the big three credit bureaus likely means credit score prices will go up, not down
- [Game-Changer: Credit Scores Just Got Rewritten](http://www.mortgagegrader.com/blog/game-changer-credit-scores-just-got-rewritten.md): A new credit scoring update could impact who qualifies for a mortgage and at what rate. Learn what this means for first-time buyers and why now is the time to speak with your loan officer.
- [How the Big Beautiful Bill offers tax relief for homeowners in Southern California](http://www.mortgagegrader.com/blog/how-the-big-beautiful-bill-offers-tax-relief-for-homeowners-in-southern-california.md): The One Big Beautiful Bill Act includes several tax provisions that benefit homeowners
- [Should You Buy a Home Before Your Divorce is Final? Here’s What to Know](http://www.mortgagegrader.com/blog/should-you-buy-a-home-before-your-divorce-is-final-heres-what-to-know.md): Buying a house before your divorce is finalized? Here’s why it could create legal and financial complications—and how to plan smart.
- [How bridge financing alleviates need for contingency offers in home sale](http://www.mortgagegrader.com/blog/how-bridge-financing-alleviates-need-for-contingency-offers-in-home-sale.md): This short-term financing instrument allows a home seller to tap home equity before their home is sold
- [Why Homeownership Is Still Worth It—Even Beyond the Finances](http://www.mortgagegrader.com/blog/why-homeownership-is-still-worth-iteven-beyond-the-finances.md): From mental health benefits to stronger communities, homeownership offers more than just a return on investment—it offers a better quality of life.
- [Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know](http://www.mortgagegrader.com/blog/mortgage-rates-arent-just-about-the-fed-heres-what-you-really-need-to-know.md): Mortgage rates held steady this week—but not for the reasons you think. Here’s why working with a loan officer beats doing your own research when timing the market.
- [Home equity contracts offer no monthly payments, no interest in exchange for cash out](http://www.mortgagegrader.com/blog/home-equity-contracts-offer-no-monthly-payments-no-interest-in-exchange-for-cash-out.md): Just like reverse mortgages, home equity contract should be a “loan” of last resort
- [Southern California homeowners have $1.645 trillion of tappable equity](http://www.mortgagegrader.com/blog/southern-california-homeowners-have-1645-trillion-of-tappable-equity.md): Southern California homeowners have $1.645 trillion of tappable equity
- [Tips for house hunters in an evolving homebuyers’ market](http://www.mortgagegrader.com/blog/tips-for-house-hunters-in-an-evolving-homebuyers-market.md): Tips for house hunters in an evolving homebuyers’ market
- [Buy now or wait? House hunters fret prices, rates and prospects for economy](http://www.mortgagegrader.com/blog/buy-now-or-wait-house-hunters-fret-prices-rates-and-prospects-for-economy.md): Buy now or wait? House hunters fret prices, rates and prospects for economy
- [These creative financing options offer homebuyers another way in](http://www.mortgagegrader.com/blog/these-creative-financing-options-offer-homebuyers-another-way-in.md): These creative financing options offer homebuyers another way in
- [What’s the difference between a bank, mortgage banker or mortgage broker?](http://www.mortgagegrader.com/blog/whats-the-difference-between-a-bank-mortgage-banker-or-mortgage-broker.md): What’s the difference between a bank, mortgage banker or mortgage broker?
- [Tips to boost, protect credit scores and get a lower mortgage rate](http://www.mortgagegrader.com/blog/tips-to-boost-protect-credit-scores-and-get-a-lower-mortgage-rate.md): Tips to boost, protect credit scores and get a lower mortgage rate
- [Why delinquent student loan borrowers may struggle to get a mortgage](http://www.mortgagegrader.com/blog/why-delinquent-student-loan-borrowers-may-struggle-to-get-a-mortgage-2.md): Why delinquent student loan borrowers may struggle to get a mortgage
- [What does stagflation mean for the housing industry?](http://www.mortgagegrader.com/blog/what-does-stagflation-mean-for-the-housing-industry.md): What does stagflation mean for the housing industry?
- [The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers](http://www.mortgagegrader.com/blog/the-real-estate-rule-that-just-got-repealedand-why-its-a-big-win-for-buyers.md): The National Association of Realtors repealed a rule that kept some listings hidden—thanks in part to pressure from homebuyers, tech platforms, and even the DOJ. Learn how this boosts your home search.
- [Why Now Might Be the Best Time in Years to Buy a Home (Seriously)](http://www.mortgagegrader.com/blog/why-now-might-be-the-best-time-in-years-to-buy-a-home-seriously.md): The housing market is shifting—and it's shifting in your favor. Learn why rising inventory, slower sales, and increased negotiating power mean buyers have the upper hand. Don’t miss your window.
- [The Secret Every Successful Home Seller Knows (But Most Miss)](http://www.mortgagegrader.com/blog/the-secret-every-successful-home-seller-knows-but-most-miss.md): Discover the simple but powerful secret that helps homeowners sell faster and for top dollar in today's real estate market. Hint: It’s not just about price.
- [April 2025 Housing Market Update: A Shift That Favors Buyers](http://www.mortgagegrader.com/blog/april-2025-housing-market-update-a-shift-that-favors-buyers.md): Home prices are cooling, inventory is rising, and buyers are gaining leverage. See what the April 2025 housing market update means for you.
- [Why a Home Inspection Is a Must for Homebuyers](http://www.mortgagegrader.com/blog/why-a-home-inspection-is-a-must-for-homebuyers.md): Learn why a home inspection is essential for buyers—even in a competitive market. Discover how it protects your investment and helps avoid costly surprises.
- [Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It](http://www.mortgagegrader.com/blog/mortgage-rates-just-droppedheres-why-the-fed-had-nothing-to-do-with-it.md): Mortgage rates dipped slightly to 6.86% as bond markets stabilized. Learn how rates are tied to investor expectations—and why lenders adjust pricing ahead of market changes.
- [March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers](http://www.mortgagegrader.com/blog/march-2025-housing-market-update-5-key-takeaways-for-homebuyers-and-sellers.md): March 2025 housing data shows rising inventory, slowing price growth, and a shift in buyer behavior. Learn what this means for buyers and sellers heading into spring.
- [Why delinquent student loan borrowers may struggle to get a mortgage](http://www.mortgagegrader.com/blog/why-delinquent-student-loan-borrowers-may-struggle-to-get-a-mortgage.md): Why delinquent student loan borrowers may struggle to get a mortgage
- [Why the Housing Market Isn't Crashing in 2025](http://www.mortgagegrader.com/blog/why-the-housing-market-isnt-crashing-in-2025.md): Discover why the housing market isn’t crashing in 2025—and why now might still be a smart time to buy. Learn about market stability, lending trends, and how equity protects today’s homeowners.
- [What does stagflation mean for the housing industry?](http://www.mortgagegrader.com/blog/what-does-stagflation-mean-for-the-housing-industry.md): What does stagflation mean for the housing industry?
- [How Are Property Taxes Calculated? Here’s What Homebuyers Should Know](http://www.mortgagegrader.com/blog/how-are-property-taxes-calculated-heres-what-homebuyers-should-know.md): Learn how property taxes are calculated, what factors impact them (like land value and zoning potential), and how to budget smart as a homebuyer in 2025.
- [How Trump’s trade war creates housing headwinds](http://www.mortgagegrader.com/blog/how-trumps-trade-war-creates-housing-headwinds.md): How Trump’s trade war creates housing headwinds
- [Southern Housing Markets Offer New Opportunities for Homebuyers](http://www.mortgagegrader.com/blog/southern-housing-markets-offer-new-opportunities-for-homebuyers.md): Explore how southern U.S. cities like Miami and Memphis are becoming more accessible to homebuyers due to increased inventories and price reductions.?
- [How to finance blacklisted Fannie Mae condos](http://www.mortgagegrader.com/blog/how-to-finance-blacklisted-fannie-mae-condos.md): How to finance blacklisted Fannie Mae condos
- [Townhomes: A Smart Solution for Today's First-Time Homebuyers](http://www.mortgagegrader.com/blog/townhomes-a-smart-solution-for-todays-first-time-homebuyers.md): Discover why townhomes are becoming a popular choice for first-time homebuyers, offering affordability, low maintenance, and community amenities in today's housing market.
- [Regulatory roadblocks keep lenders from charging primary residence prepayment penalties](http://www.mortgagegrader.com/blog/regulatory-roadblocks-keep-lenders-from-charging-primary-residence-prepayment-penalties.md): Regulatory roadblocks keep lenders from charging primary residence prepayment penalties
- [Why Waiting to Buy a Home Could Cost You](http://www.mortgagegrader.com/blog/why-waiting-to-buy-a-home-could-cost-you.md): Waiting to buy a home in today’s market could cost you more in the long run. Learn why acting now—despite mortgage rates—might be the smartest move for future homeowners.
- [Buying a condo? Fannie Mae "blacklist" has 438 Southern California communities](http://www.mortgagegrader.com/blog/buying-a-condo-fannie-mae-blacklist-has-438-southern-california-communities.md): Buying a condo? Fannie Mae "blacklist" has 438 Southern California communities
- [Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers](http://www.mortgagegrader.com/blog/falling-mortgage-rates-could-revitalize-the-housing-market-what-it-means-for-buyers-sellers.md): Mortgage rates have dropped to their lowest levels since December, making homeownership more affordable. Learn what this means for buyers and sellers in today’s market.
- [5 ways to use home equity to finance long-term senior care](http://www.mortgagegrader.com/blog/5-ways-to-use-home-equity-to-finance-long-term-senior-care.md): 5 ways to use home equity to finance long-term senior care
- [Selling Your Home? What You Need to Know About Capital Gains Taxes](http://www.mortgagegrader.com/blog/selling-your-home-what-you-need-to-know-about-capital-gains-taxes.md): Learn how capital gains taxes work when selling your home and how to reduce what you owe. Consult a tax professional for personalized advice.
- [Rates tumble and Southern California economists fret housing, recession](http://www.mortgagegrader.com/blog/rates-tumble-and-southern-california-economists-fret-housing-recession.md): Rates tumble and Southern California economists fret housing, recession
- [Why Now Is the Time to Apply for a Mortgage](http://www.mortgagegrader.com/blog/why-now-is-the-time-to-apply-for-a-mortgage.md): Mortgage demand is surging as rates drop. Don’t wait—now’s the time to apply and lock in your opportunity before competition heats up.
- [How Trump could lower certain mortgage rates](http://www.mortgagegrader.com/blog/how-trump-could-lower-certain-mortgage-rates.md): How Trump could lower certain mortgage rates
- [Mortgage Rates Hit 4-Month Lows: What This Means for You](http://www.mortgagegrader.com/blog/mortgage-rates-hit-4-month-lows-what-this-means-for-you.md): Mortgage rates have dropped to a 4-month low, creating new opportunities for homebuyers and homeowners looking to refinance. Learn how to take advantage of lower rates today.
- [Why adjustable-rate mortgages might be better bargain than fixed](http://www.mortgagegrader.com/blog/why-adjustable-rate-mortgages-might-be-better-bargain-than-fixed.md): Why adjustable-rate mortgages might be better bargain than fixed
- [Buying vs. Renting in 2025: Why Homeownership Still Wins](http://www.mortgagegrader.com/blog/buying-vs-renting-in-2025-why-homeownership-still-wins.md): In 2025, buying a home is more affordable than renting in most U.S. markets. Learn why homeownership remains the smarter long-term investment.
- [Homeowners can tap up to $50,000 with down-payment grant](http://www.mortgagegrader.com/blog/homeowners-can-tap-up-to-50000-with-down-payment-grant.md): Homeowners can tap up to $50,000 with down-payment grant
- [Home Prices Are Rising—But That’s a Good Thing!](http://www.mortgagegrader.com/blog/home-prices-are-risingbut-thats-a-good-thing.md): Home prices are rising at a steady pace, creating great opportunities for buyers and sellers in 2025. Learn how this balanced market benefits you!
- [California’s balcony law and Fannie Mae standards could push condo fees higher](http://www.mortgagegrader.com/blog/californias-balcony-law-and-fannie-mae-standards-could-push-condo-fees-higher.md): California’s balcony law and Fannie Mae standards could push condo fees higher
- [Thinking About Moving in 2025? Here’s How to Make It Happen!](http://www.mortgagegrader.com/blog/thinking-about-moving-in-2025-heres-how-to-make-it-happen.md): Thinking about moving in 2025? Learn why so many Americans are relocating and how to turn your dream move into reality with the right planning
- [How to launch and finance a home rebuild after LA County wildfires](http://www.mortgagegrader.com/blog/how-to-launch-and-finance-a-home-rebuild-after-la-county-wildfires.md): How to launch and finance a home rebuild after LA County wildfires
- [How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025](http://www.mortgagegrader.com/blog/how-the-latest-executive-order-and-mortgage-rates-impact-homebuyers-in-2025.md): President Trump's executive order targets housing costs, but mortgage rates remain steady. Learn how these changes impact homebuyers and homeowners in 2025.
- [How to find a down payment to buy a replacement home after LA County fires](http://www.mortgagegrader.com/blog/how-to-find-a-down-payment-to-buy-a-replacement-home-after-la-county-fires.md): How to find a down payment to buy a replacement home after LA County fires
- [Celebrating American Resilience: A Look at Recent Mortgage Rate Trends](http://www.mortgagegrader.com/blog/celebrating-american-resilience-a-look-at-recent-mortgage-rate-trends.md): Explore mortgage trends and homeownership insights this Inauguration Day.
- [How Los Angeles wildfire victims can get mortgage payment relief](http://www.mortgagegrader.com/blog/how-los-angeles-wildfire-victims-can-get-mortgage-payment-relief.md): How Los Angeles wildfire victims can get mortgage payment relief
- [Do patrons have to report home purchase gift money to the IRS?](http://www.mortgagegrader.com/blog/do-patrons-have-to-report-home-purchase-gift-money-to-the-irs.md): Do patrons have to report home purchase gift money to the IRS?
- [How homeowners can cancel the dreaded private mortgage insurance fee](http://www.mortgagegrader.com/blog/how-homeowners-can-cancel-the-dreaded-private-mortgage-insurance-fee.md): How homeowners can cancel the dreaded private mortgage insurance fee
- [What to Save for When Buying Your Home](http://www.mortgagegrader.com/blog/what-to-save-for-when-buying-your-home.md): How to decide if you have enough savings to buy a home
- [Expert Predictions for the 2025 Housing Market](http://www.mortgagegrader.com/blog/expert-predictions-for-the-2025-housing-market.md): Find out what the experts are anticipating for 2025 housing
- [Housing in 2025: Rates will drop under 6%, capital gains exemption will double](http://www.mortgagegrader.com/blog/housing-in-2025-rates-will-drop-under-6-capital-gains-exemption-will-double.md): Housing in 2025: Rates will drop under 6%, capital gains exemption will double
- [New loan options for self-employed with stash of cash](http://www.mortgagegrader.com/blog/new-loan-options-for-self-employed-with-stash-of-cash.md): New loan options for self-employed with stash of cash
- [How to Buy a Home with Low Income: Yes, It’s Possible!](http://www.mortgagegrader.com/blog/how-to-buy-a-home-with-low-income-yes-its-possible.md): Learn how to buy a home with low income using practical tips, loan programs, and expert advice. Discover affordable options and assistance programs to make homeownership possible!
- [Privatizing Fannie Mae would cause mortgage rates to soar, economist says](http://www.mortgagegrader.com/blog/privatizing-fannie-mae-would-cause-mortgage-rates-to-soar-economist-says.md): Privatizing Fannie Mae would cause mortgage rates to soar, economist says
- [Affordable Homeownership: 6 Questions to Help Lower Costs](http://www.mortgagegrader.com/blog/affordable-homeownership-6-questions-to-help-lower-costs.md): Affording a home in today’s market can feel overwhelming, but there are actionable steps you can take to make it easier. 
- [Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home](http://www.mortgagegrader.com/blog/fall-for-savings-why-the-holiday-season-might-be-the-best-time-to-buy-a-home.md): While spring and summer are traditionally popular for real estate transactions, the fall and holiday months offer unique advantages that can make buying a home during this period particularly beneficial.
- [FHFA loan limits rising to $1.2 million in LA and OC, top $806,000 in Inland Empire](http://www.mortgagegrader.com/blog/fhfa-loan-limits-rising-to-12-million-in-la-and-oc-top-806000-in-inland-empire.md): FHFA loan limits rising to $1.2 million in LA and OC, top $806,000 in Inland Empire
- [Criminal charges and jail time now part of predatory mortgage lending law in California](http://www.mortgagegrader.com/blog/criminal-charges-and-jail-time-now-part-of-predatory-mortgage-lending-law-in-california.md): Criminal charges and jail time now part of predatory mortgage lending law in California
- [Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own](http://www.mortgagegrader.com/blog/why-it-might-be-time-to-trade-living-with-your-parents-for-a-place-of-your-own.md): While living with parents can be a practical solution in certain circumstances, exploring homeownership can offer long-term financial benefits and personal growth. 
- [Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase](http://www.mortgagegrader.com/blog/mortgage-rates-inflation-and-a-buyer-friendly-market-how-to-navigate-your-next-home-purchase.md): While economic indicators like inflation and Federal Reserve policies are important, the current increase in housing inventory and slower price growth present a promising opportunity for homebuyers. 
- [How and how much homeowners can transfer tax base to their next home](http://www.mortgagegrader.com/blog/how-and-how-much-homeowners-can-transfer-tax-base-to-their-next-home.md): How and how much homeowners can transfer tax base to their next home
- [What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch](http://www.mortgagegrader.com/blog/what-the-feds-expected-rate-cut-means-for-youand-four-key-questions-to-watch.md): Explore how the Fed’s expected rate cut and recent election outcomes could impact economic policy, inflation, and job growth—what this means for borrowers and the broader economy.
- [How to calculate your base year value under Proposition 19](http://www.mortgagegrader.com/blog/how-to-calculate-your-base-year-value-under-proposition-19.md): How to calculate your base year value under Proposition 19
- [Debunking Scary Myths About Buying a Home](http://www.mortgagegrader.com/blog/debunking-scary-myths-about-buying-a-home.md): Buying a home is one of the biggest financial decisions you’ll make, but it doesn’t need to be scary.
- [56% of Prop. 19 property tax transfer applications approved statewide](http://www.mortgagegrader.com/blog/56-of-prop-19-property-tax-transfer-applications-approved-statewide.md): 56% of Prop. 19 property tax transfer applications approved statewide
- [How Non-QM Loans Work: A Smart Alternative for Non-Traditional Borrowers](http://www.mortgagegrader.com/blog/how-non-qm-loans-work-a-smart-alternative-for-non-traditional-borrowers.md): Learn how Non-QM loans provide flexible home financing options for self-employed individuals, freelancers, and those with non-traditional income. Discover if this alternative mortgage is right for you.
- [Hot real estate topics: Rates, high payments, all-cash buyers](http://www.mortgagegrader.com/blog/hot-real-estate-topics-rates-high-payments-all-cash-buyers.md): Hot real estate topics: Rates, high payments, all-cash buyers
- [Is Now the Right Time to Refinance Your Mortgage?](http://www.mortgagegrader.com/blog/is-now-the-right-time-to-refinance-your-mortgage.md): Considering refinancing your mortgage? Learn how refinancing can improve your financial situation, when it makes sense to act, and what factors to consider. Contact us today for personalized refinancing options!
- [California offers 3.5% down payment program for first-time homebuyers](http://www.mortgagegrader.com/blog/california-offers-35-down-payment-program-for-first-time-homebuyers.md): California offers 3.5% down payment program for first-time homebuyers
- [The Surprising Factors That Could Make Your Home Worth More!](http://www.mortgagegrader.com/blog/the-surprising-factors-that-could-make-your-home-worth-more.md): Discover the top factors that can increase your home's value, from location and upgrades to market trends. Learn how you can boost your property's worth and when refinancing might make sense!
- [How to Beat Inflation and Buy the Perfect Home: 6 Hacks for Savvy Buyers](http://www.mortgagegrader.com/blog/how-to-beat-inflation-and-buy-the-perfect-home-6-hacks-for-savvy-buyers.md): Is buying a home during inflation a bad idea? Is it possible? Here are 6 tips for making the right move.
- [Homebuyers: Here are your do’s and don’ts for a smooth transaction](http://www.mortgagegrader.com/blog/homebuyers-here-are-your-dos-and-donts-for-a-smooth-transaction.md): Homebuyers: Here are your do’s and don’ts for a smooth transaction
- [Your Home’s Hidden Value: How Much Equity Can You Borrow Today?](http://www.mortgagegrader.com/blog/our-homes-hidden-value-how-much-equity-can-you-borrow-today.md): Rates are dropping. Find out how much you can borrow from your home equity.
- [Lazerson: Rate cut means home prices will moderate as inventory rises](http://www.mortgagegrader.com/blog/lazerson-rate-cut-means-home-prices-will-moderate-as-inventory-rises.md): Lazerson: Rate cut means home prices will moderate as inventory rises
- [Interest Rates Are Dropping: Here’s What It Means for Your Loans and Savings](http://www.mortgagegrader.com/blog/interest-rates-are-dropping-heres-what-it-means-for-your-loans-and-savings.md): The Feds are anticipated to lower interest rates. Here is how lower rates could affect mortgage rates, credit cards, car loans, and savings.
- [How homeowners can choose between a fixed-rate second or HELOC](http://www.mortgagegrader.com/blog/how-homeowners-can-choose-between-a-fixed-rate-second-or-heloc.md): How homeowners can choose between a fixed-rate second or HELOC
- [How to Dodge the Top 3 Mortgage Blunders in Today’s Market](http://www.mortgagegrader.com/blog/how-to-dodge-the-top-3-mortgage-blunders-in-todays-market.md): Don't fall for these 3 common mistakes in today's competitive market!
- [FHA has loan option for low-FICO homebuyers](http://www.mortgagegrader.com/blog/fha-has-loan-option-for-low-fico-homebuyers.md): FHA has loan option for low-FICO homebuyers
- [The Housing Market Shift You Didn't See Coming—Is Your Dream Home Finally Within Reach?](http://www.mortgagegrader.com/blog/the-housing-market-shift-you-didnt-see-comingis-your-dream-home-finally-within-reach.md): Are we moving towards a more balanced market? Here's what we're seeing --and it could be the perfect time to buy!
- [How homebuyers can use ‘pledged’ assets and put just 10% down](http://www.mortgagegrader.com/blog/how-homebuyers-can-use-pledged-assets-and-put-just-10-down.md): How homebuyers can use ‘pledged’ assets and put just 10% down
- [2025 Real Estate Forecast: The Surprising Truth About Buying Now!](http://www.mortgagegrader.com/blog/2025-real-estate-forecast-the-surprising-truth-about-buying-now.md): Should you wait until 2025 to buy a home? Here's what experts are forecasting and these facts may surprise you!
- [Do you have the three Cs necessary for homebuying?](http://www.mortgagegrader.com/blog/do-you-have-the-three-cs-necessary-for-homebuying.md): Do you have the three Cs necessary for homebuying?
- [Locking In Your Mortgage Rate: Why and When to Lock it](http://www.mortgagegrader.com/blog/locking-in-your-mortgage-rate-why-and-when-to-lock-it.md): Can you benefit from locking in your mortgage rate? Here's what you need to know to make the best decision for your situation.
- [Refinance applications jump 35% as rate drop encourages homeowners](http://www.mortgagegrader.com/blog/refinance-applications-jump-35-as-rate-drop-encourages-homeowners.md): Refinance applications jump 35% as rate drop encourages homeowners
- [Understanding Inflation: What It Means for Homebuyers and Those Considering Refinancing](http://www.mortgagegrader.com/blog/understanding-inflation-what-it-means-for-homebuyers-and-those-considering-refinancing.md): Inflation has been top of mind when it comes to housing affordability. Here's what you need to know about the latest data reports.
- [As mortgage rate tumbles, will buyers rush in? Not so fast, they say](http://www.mortgagegrader.com/blog/as-mortgage-rate-tumbles-will-buyers-rush-in-not-so-fast-they-say.md): As mortgage rate tumbles, will buyers rush in? Not so fast, they say
- [Busting the Biggest Myths About Buying a Home in 2024](http://www.mortgagegrader.com/blog/busting-the-biggest-myths-about-buying-a-home-in-2024.md): We're separating fact from fiction regarding the current housing market.
- [Are California homebuyers really going to pay Realtor commissions?](http://www.mortgagegrader.com/blog/are-california-homebuyers-really-going-to-pay-realtor-commissions.md): Are California homebuyers really going to pay Realtor commissions?
- [Is a Second Mortgage Right for You? The Benefits and Pitfalls Explained](http://www.mortgagegrader.com/blog/is-a-second-mortgage-right-for-you-the-benefits-and-pitfalls-explained.md): A second mortgage is a loan secured by your home that allows you to tap into its equity, offering potential benefits like access to cash and lower interest rates, but also comes with risks such as increased debt and potential foreclosure.
- [California Realtors gear up for changes in August](http://www.mortgagegrader.com/blog/california-realtors-gear-up-for-changes-in-august.md): California Realtors gear up for changes in August
- [New vs. Existing: Why a Newly Built Home Could Be the Better Deal](http://www.mortgagegrader.com/blog/new-vs-existing-why-a-newly-built-home-could-be-the-better-deal.md): Learn why newly built homes might be your most budget-friendly option.
- [In California, a homebuyer can snare 30-year mortgage at 5.99%](http://www.mortgagegrader.com/blog/in-california-a-homebuyer-can-snare-30-year-mortgage-at-599.md): In California, a homebuyer can snare 30-year mortgage at 5.99%
- [Looking for a housing deal with lower rates? Economists say not so fast](http://www.mortgagegrader.com/blog/looking-for-a-housing-deal-with-lower-rates-economists-say-not-so-fast.md): Looking for a housing deal with lower rates? Economists say not so fast
- [Navigating Refinance Appraisals with Confidence](http://www.mortgagegrader.com/blog/navigating-refinance-appraisals-with-confidence.md): By understanding and preparing for the refinance appraisal process, you can better navigate your mortgage refinancing and potentially secure more favorable loan terms.
- [Tax Deductibility of Home Equity Loans in 2024](http://www.mortgagegrader.com/blog/tax-deductibility-of-home-equity-loans-in-2024.md): Let'a talk about maximizing your tax benefits with home equity loan deductions.
- [Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out](http://www.mortgagegrader.com/blog/is-your-dream-neighborhood-in-a-buyers-market-heres-how-to-find-out.md): If you're curious whether your desired neighborhood currently offers favorable conditions for buyers, here are practical ways to determine it.
- [Homeowners can get cash-out second mortgages to fund small rental properties](http://www.mortgagegrader.com/blog/homeowners-can-get-cash-out-second-mortgages-to-fund-small-rental-properties.md): Homeowners can get cash-out second mortgages to fund small rental properties
- [Understanding Your FICO Score: Key to Better Home Loan Rates](http://www.mortgagegrader.com/blog/understanding-your-fico-score-key-to-better-home-loan-rates.md): A FICO score is a three-digit number representing your creditworthiness, determined by factors like payment history and amounts owed, and it significantly influences your ability to qualify for and secure favorable terms on home loans.
- [What exactly is an average mortgage rate?](http://www.mortgagegrader.com/blog/what-exactly-is-an-average-mortgage-rate.md): What exactly is an average mortgage rate?
- [The Biggest Mistakes Potential Homebuyers are Making Right Now](http://www.mortgagegrader.com/blog/the-biggest-mistakes-potential-homebuyers-are-making-right-now.md): Are you making it harder on yourself to buy real estate? Read this article to uncover the worst mistakes homebuyers are making. 
- [Loan payments for Orange County’s record-high median-price house tops $10,000](http://www.mortgagegrader.com/blog/loan-payments-for-orange-countys-record-high-median-price-house-tops-10000.md): Loan payments for Orange County’s record-high median-price house tops $10,000
- [Avoid These 5 Expensive Kitchen Mistakes When Buying Your First Home](http://www.mortgagegrader.com/blog/avoid-these-5-expensive-kitchen-mistakes-when-buying-your-first-home.md): Here are 5 crucial kitchen inspections every first-time homebuyer should do.
- [Buy now? Wait? What homebuyers are asking in today’s high-price market](http://www.mortgagegrader.com/blog/buy-now-wait-what-homebuyers-are-asking-in-todays-high-price-market.md): Buy now? Wait? What homebuyers are asking in today’s high-price market
- [Array of mortgages cover hard-to-qualify properties, borrowers](http://www.mortgagegrader.com/blog/array-of-mortgages-cover-hard-to-qualify-properties-borrowers.md): Array of mortgages cover hard-to-qualify properties, borrowers
- [Sellers can help buyers with permanent fixed rate buydown to 5.99%](http://www.mortgagegrader.com/blog/sellers-can-help-buyers-with-permanent-fixed-rate-buydown-to-599.md): Sellers can help buyers with permanent fixed rate buydown to 5.99%
- [Understanding Hazard Insurance: What Homeowners Need to Know](http://www.mortgagegrader.com/blog/understanding-hazard-insurance-what-homeowners-need-to-know.md): Hazard insurance covers specific physical damages to homes, usually isn't tax-deductible for primary residences, but may be for business or rental properties.
- [What’s holding up your home loan? Avoid these pitfalls to speed the process](http://www.mortgagegrader.com/blog/whats-holding-up-your-home-loan-avoid-these-pitfalls-to-speed-the-process.md): What’s holding up your home loan? Avoid these pitfalls to speed the process
- [Tips for Buying a Home at a Lower Cost](http://www.mortgagegrader.com/blog/tips-for-buying-a-home-at-a-lower-cost.md): Here are tips for buying a home at a lower cost in any market!
- [9 Home Buying Myths Debunked – Don’t Fall for These Common Traps!](http://www.mortgagegrader.com/blog/9-home-buying-myths-debunked-dont-fall-for-these-common-traps.md): Learn the shocking truth about these common home buying myths.
- [Understanding the Differences Between Mortgage Insurance and Homeowners Insurance](http://www.mortgagegrader.com/blog/understanding-the-differences-between-mortgage-insurance-and-homeowners-insurance.md): Do you need both mortgage and homeowner's insurance? Here's what you need to know.
- [5 Ways You Might Actually be Sabotaging Your Homebuying Efforts ](http://www.mortgagegrader.com/blog/5-ways-you-might-actually-be-sabotaging-your-homebuying-efforts.md): Don't make these mistakes when looking to buy a home --it could ruin your chances!
- [Why You Need a Real Estate Agent When Buying a Home](http://www.mortgagegrader.com/blog/why-you-need-a-real-estate-agent-when-buying-a-home.md): Thinking about going at your home-buying on your own, without a real estate agent? You might want to rethink it. Read this article to learn why.
- [Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans](http://www.mortgagegrader.com/blog/demystifying-home-loans-the-scoop-on-conventional-and-non-conforming-loans.md): Learn the difference between conforming and non-conforming loans in this easy-to-understand mini guide.
- [With mortgage rate topping 7%, what will it take to soften the market?](http://www.mortgagegrader.com/blog/with-mortgage-rate-topping-7-what-will-it-take-to-soften-the-market.md): With mortgage rate topping 7%, what will it take to soften the market?
- [Will a mortgage rate spike squash home price hikes?](http://www.mortgagegrader.com/blog/will-a-mortgage-rate-spike-squash-home-price-hikes.md): Will a mortgage rate spike squash home price hikes?
- [Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?](http://www.mortgagegrader.com/blog/navigating-the-mortgage-rate-dilemma-should-you-wait-or-buy-now.md): You may be wondering whether to wait until mortgage rates come down before you spring into action. Here’s some info that could help answer that for you.
- [Balancing Act: The Art of Compromise in Home Buying](http://www.mortgagegrader.com/blog/balancing-act-the-art-of-compromise-in-home-buying.md): Buying your dream home in this market may require some compromise. Here are 5 areas to reconsider on your way to buying your first home.
- [How will house hunters find and buy homes, post-NAR settlement?](http://www.mortgagegrader.com/blog/how-will-house-hunters-find-and-buy-homes-post-nar-settlement.md): How will house hunters find and buy homes, post-NAR settlement?
- [Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid](http://www.mortgagegrader.com/blog/navigating-home-buying-with-elevated-mortgage-rates-10-mistakes-to-avoid.md): Feeling the pressure of higher mortgage rates? Keep your cool and be smart with your purchase with these 10 tips. 
- [Housing market malaise hasn’t cut options for equity rich homeowners](http://www.mortgagegrader.com/blog/housing-market-malaise-hasnt-cut-options-for-equity-rich-homeowners.md): Housing market malaise hasn’t cut options for equity rich homeowners
- [Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!](http://www.mortgagegrader.com/blog/dont-wait-another-minute-heres-why-now-is-the-perfect-time-to-buy-your-dream-home.md): Is it the right time to buy? Here's why waiting could cost you --even with the current elevated rate.
- [NAR settlement creates daunting challenges for homebuyers, agents](http://www.mortgagegrader.com/blog/nar-settlement-creates-daunting-challenges-for-homebuyers-agents.md): NAR settlement creates daunting challenges for homebuyers, agents
- [Second Time's the Charm: Navigating Your Next Home Purchase](http://www.mortgagegrader.com/blog/second-times-the-charm-navigating-your-next-home-purchase.md): Ready to buy your second home? Here's what you need to know about which home loan programs you qualify for the second time around.
- [Warning signs, including foreclosures, reverberate across housing economy](http://www.mortgagegrader.com/blog/warning-signs-including-foreclosures-reverberate-across-housing-economy.md): Warning signs, including foreclosures, reverberate across housing economy
- [The Smart Path to Downsizing: Making the Most of Your Retirement](http://www.mortgagegrader.com/blog/the-smart-path-to-downsizing-making-the-most-of-your-retirement.md): Are you considering downsizing your home? Here are some points to consider. 
- [No relief this year for homebuyers, industry insiders predict](http://www.mortgagegrader.com/blog/no-relief-this-year-for-homebuyers-industry-insiders-predict.md): No relief this year for homebuyers, industry insiders predict
- ["When Should I Consider a Cash-Out Refi?"](http://www.mortgagegrader.com/blog/when-should-i-consider-a-cash-out-refi.md): When is it the best time to refi? When should you consider it? Read this article to get a better idea.
- [Can’t afford to buy a home? Here’s a plan of action to make it work](http://www.mortgagegrader.com/blog/cant-afford-to-buy-a-home-heres-a-plan-of-action-to-make-it-work.md): Can’t afford to buy a home? Here’s a plan of action to make it work
- [Mortgage Partnership: The Power of Co-Signing on a Mortgage](http://www.mortgagegrader.com/blog/mortgage-partnership-the-power-of-co-signing-on-a-mortgage.md): Thinking about adding a co-signer to your home loan application? Here's what you need to know.
- [How no-cost mortgages save buyers money when rates come down](http://www.mortgagegrader.com/blog/how-no-cost-mortgages-save-buyers-money-when-rates-come-down.md): How no-cost mortgages save buyers money when rates come down
- [Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues](http://www.mortgagegrader.com/blog/navigating-home-inspections-a-buyers-guide-to-uncovering-hidden-issues.md): Don't let your excitement blind you to these potential problems in a home your considering buying
- [10 creative ways to income-qualify for a home loan](http://www.mortgagegrader.com/blog/10-creative-ways-to-income-qualify-for-a-home-loan.md): 10 creative ways to income-qualify for a home loan
- [Mastering Your Mortgage Journey: The Importance of FICO Score 8](http://www.mortgagegrader.com/blog/mastering-your-mortgage-journey-the-importance-of-fico-score-8.md): What is FICO 8 and what role does it play in your mortgage application? Read this article to learn more.
- [Cash-strapped, 55-and-older homeowners can weigh no-payment reverse second](http://www.mortgagegrader.com/blog/cash-strapped-55-and-older-homeowners-can-weigh-no-payment-reverse-second.md): Cash-strapped, 55-and-older homeowners can weigh no-payment reverse second
- [Navigating the New Norms: 4 Rules for Home Shopping in Today's Market](http://www.mortgagegrader.com/blog/navigating-the-new-norms-4-rules-for-home-shopping-in-todays-market.md): Out with the old and in with the new! Here are the new rules for buying a home in the 2024 market.
- [How Declining Mortgage Rates Are Changing the Real Estate Landscape](http://www.mortgagegrader.com/blog/how-declining-mortgage-rates-are-changing-the-real-estate-landscape.md): Mortgage rates are falling and there's a surprising benefit beyond a more affordable mortgage payment --more inventory! Read more in this latest blog.
- [How a bridge loan can help homebuyers avoid dreaded contingency](http://www.mortgagegrader.com/blog/how-a-bridge-loan-can-help-homebuyers-avoid-dreaded-contingency.md): How a bridge loan can help homebuyers avoid dreaded contingency
- [Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase](http://www.mortgagegrader.com/blog/navigating-closing-costs-with-confidence-4-tips-to-save-on-your-home-purchase.md): We're here to help make homebuying more afforable! Explore these tips for reducing your closing costs.
- [Should homebuyers consider an Attorney Opinion Letter to reduce closing costs?](http://www.mortgagegrader.com/blog/should-homebuyers-consider-an-attorney-opinion-letter-to-reduce-closing-costs.md): Should homebuyers consider an Attorney Opinion Letter to reduce closing costs?
- [Navigating the Mortgage Maze: 10 Crucial Do's and Don'ts After Applying](http://www.mortgagegrader.com/blog/navigating-the-mortgage-maze-10-crucial-dos-and-donts-after-applying.md): In this guide, we delve into 10 crucial do's and don'ts to navigate the post-application phase with finesse, ensuring that you not only enhance your chances of mortgage approval but also pave the way for a seamless transition into homeownership.
- [Freddie Mac adds California programs to its down payment assistance website](http://www.mortgagegrader.com/blog/freddie-mac-adds-california-programs-to-its-down-payment-assistance-website.md): Freddie Mac adds California programs to its down payment assistance website
- [Joint Homeownership: The Essentials of Co-Borrowing on a Mortgage](http://www.mortgagegrader.com/blog/joint-homeownership-the-essentials-of-co-borrowing-on-a-mortgage.md): Here's what you need to know about getting a mortgage with a co-borrower.
- [With credit card debt rising, homeowners can borrow to ease payment pain](http://www.mortgagegrader.com/blog/with-credit-card-debt-rising-homeowners-can-borrow-to-ease-payment-pain.md): With credit card debt rising, homeowners can borrow to ease payment pain
- [Smart Moves in New Builds: Your Guide to Successful Homebuying](http://www.mortgagegrader.com/blog/smart-moves-in-new-builds-your-guide-to-successful-homebuying.md): Read this essential guide for buying a new construction home and avoiding problems with your purchase.
- [Navigating the Renovation Maze: Mortgage Insights for Fixer-Upper Buyers](http://www.mortgagegrader.com/blog/navigating-the-renovation-maze-mortgage-insights-for-fixer-upper-buyers.md): Here's what you need to know about financing and buying a fixer-upper.
- [The Homebuyer's Dilemma: To Wait or Act Fast in 2024?](http://www.mortgagegrader.com/blog/the-homebuyers-dilemma-to-wait-or-act-fast-in-2024.md): Should you buy a home in 2024? Where will mortgage rates go in the coming year?  Read this to get more information.
- [2024 housing predictions: Title insurance and commission rates will tumble](http://www.mortgagegrader.com/blog/2024-housing-predictions-title-insurance-and-commission-rates-will-tumble.md): 2024 housing predictions: Title insurance and commission rates will tumble
- [Mortgage Insights: Today's Fed Pause and What It Means for Homebuyers](http://www.mortgagegrader.com/blog/mortgage-insights-todays-fed-pause-and-what-it-means-for-homebuyers.md): Here's what today's rate announcement from the Federal Reserve could mean for potential homebuyers.
- [Freddie Mac unveils tool to help clear condo financing reviews faster](http://www.mortgagegrader.com/blog/freddie-mac-unveils-tool-to-help-clear-condo-financing-reviews-faster.md): Freddie Mac unveils tool to help clear condo financing reviews faster
- [Don't Let Rates Ruin Your Home Dreams: 7 Sneaky Ways to Beat High Mortgage Numbers!](http://www.mortgagegrader.com/blog/dont-let-rates-ruin-your-home-dreams-7-sneaky-ways-to-beat-high-mortgage-numbers.md): Don't let those rates ruffle your feathers. Armed with these concessions, you're ready to conquer the world of homeownership—even when rates are playing hardball!
- [Government-backed mortgage loan caps rising to $1,149,825 in OC, LA](http://www.mortgagegrader.com/blog/government-backed-mortgage-loan-caps-rising-to-1149825-in-oc-la.md): Government-backed mortgage loan caps rising to $1,149,825 in OC, LA
- [VA Home Loans: The Path to Achieving Homeownership Dreams](http://www.mortgagegrader.com/blog/va-home-loans-the-path-to-achieving-homeownership-dreams.md): VA home loans have been opening the doors of homeownership for nearly 80 years! Learn more about how this program can help you too.
- [Can you buy a home with nothing down? FHA has zero-down loan](http://www.mortgagegrader.com/blog/can-you-buy-a-home-with-nothing-down-fha-has-zero-down-loan.md): Can you buy a home with nothing down? FHA has zero-down loan
- [Autumn Home TLC: Fall Home Maintenance Made Easy!](http://www.mortgagegrader.com/blog/autumn-home-tlc-fall-home-maintenance-made-easy.md): Grab your rake, call up your HVAC technician, and get ready to embrace the fall season by preparing your home for the months ahead. 
- [Homebuying fires back up as rates decline 3rd week in a row](http://www.mortgagegrader.com/blog/homebuying-fires-back-up-as-rates-decline-3rd-week-in-a-row.md): Homebuying fires back up as rates decline 3rd week in a row
- [From Dreams to Reality: How Government Home Loans Make Homeownership Attainable](http://www.mortgagegrader.com/blog/from-dreams-to-reality-how-government-home-loans-make-homeownership-attainable.md): Learn about the various government loans that are available to help you buy your dream home.
- [Want to split your lot and sell an ADU or two? Here’s how](http://www.mortgagegrader.com/blog/want-to-split-your-lot-and-sell-an-adu-or-two-heres-how.md): Want to split your lot and sell an ADU or two? Here’s how
- [Avoid These Common Mistakes When Buying a Home: Tips for Veterans](http://www.mortgagegrader.com/blog/avoid-these-common-mistakes-when-buying-a-home-tips-for-veterans.md): Avoid these common veteran home loan mistakes and contact us to apply for VA loan. 
- [Rebuilding Your Dream Home: Getting a Mortgage After Chapter 13 Bankruptcy](http://www.mortgagegrader.com/blog/rebuilding-your-dream-home-getting-a-mortgage-after-chapter-13-bankruptcy.md): Concerned about whether you can get a home loan after filing chapter 13? We're here to help! Learn how to prepare for a loan after filing bankruptcy.
- [ADU loan program has $100,000 for OC homeowners who rent to low-income tenants](http://www.mortgagegrader.com/blog/adu-loan-program-has-100000-for-oc-homeowners-who-rent-to-low-income-tenants.md): ADU loan program has $100,000 for OC homeowners who rent to low-income tenants
- [Six Sneaky (and Costly) Warning Signs to Watch for When House Hunting](http://www.mortgagegrader.com/blog/six-sneaky-and-costly-warning-signs-to-watch-for-when-house-hunting.md): Watch out for these signs on your next home tour! It could save you money and headaches.
- [California reinstates ADU sales separate from primary home](http://www.mortgagegrader.com/blog/california-reinstates-adu-sales-separate-from-primary-home.md): California reinstates ADU sales separate from primary home
- [Embracing Affordability and Togetherness: The Benefits of Buying a Multi-Generational Home](http://www.mortgagegrader.com/blog/embracing-affordability-and-togetherness-the-benefits-of-buying-a-multi-generational-home.md): Multi-generational living is not just about cutting costs but also about creating a richer, more fulfilling, and affordable life for multiple generations under one roof.
- [Why house payments will likely soar along with rising insurance rates](http://www.mortgagegrader.com/blog/why-house-payments-will-likely-soar-along-with-rising-insurance-rates.md): Why house payments will likely soar along with rising insurance rates
- [ARM Loans: Risk vs Reward - Making Smart Home Financing Choices](http://www.mortgagegrader.com/blog/arm-loans-risk-vs-reward-making-smart-home-financing-choices.md): ARM loans have been talked about a lot more these days, thanks to their low rates. Here's what you need to know about potential risks and benefits.
- [Homebuyers hit the brakes, ‘smothering’ the mortgage marketplace](http://www.mortgagegrader.com/blog/homebuyers-hit-the-brakes-smothering-the-mortgage-marketplace.md): Homebuyers hit the brakes, ‘smothering’ the mortgage marketplace
- [Cash Flow Tips: Creative Ways to Monetize Your Home Beyond Equity!](http://www.mortgagegrader.com/blog/cash-flow-tips-creative-ways-to-monetize-your-home-beyond-equity.md): Check out these creative ways that you can earn income with your home beyond building equity (without taking on renters!).
- [Is relief in sight for priced-out homebuyers? Don’t hold your breath](http://www.mortgagegrader.com/blog/is-relief-in-sight-for-priced-out-homebuyers-dont-hold-your-breath.md): Is relief in sight for priced-out homebuyers? Don’t hold your breath
- [Here's Why Multi-Family Units Are the Real Estate Game Changer You Need!](http://www.mortgagegrader.com/blog/heres-why-multi-family-units-are-the-real-estate-game-changer-you-need.md): Here's how a multi-family unit can be just what you need to buy your first home while creating financial security --not matter the market!
- [As homebuyer contracts collapse, expectations tumble, too](http://www.mortgagegrader.com/blog/as-homebuyer-contracts-collapse-expectations-tumble-too.md): As homebuyer contracts collapse, expectations tumble, too
- [How Do You Know That Fixer-Upper is a Dream --Or a Money Pit!](http://www.mortgagegrader.com/blog/how-do-you-know-that-fixer-upper-is-a-dream-or-a-money-pit.md): Considering buying a fixer-upper to save on some cash? Watch out! Some rehab homes may ending costing you more than you bargained for.
- [After redlining settlement, City National Bank launches home loan grants for underserved](http://www.mortgagegrader.com/blog/after-redlining-settlement-city-national-bank-launches-home-loan-grants-for-underserved.md): After redlining settlement, City National Bank launches home loan grants for underserved
- [Exploring the World of Multifamily Homes: Your Path to Real Estate Wealth](http://www.mortgagegrader.com/blog/exploring-the-world-of-multifamily-homes-your-path-to-real-estate-wealth.md): Learn about the types of multifamily properties that you can invest in for longterm financial wealth.
- [Tips for inflation-bitten budgets to conquer mortgage payment struggles](http://www.mortgagegrader.com/blog/tips-for-inflation-bitten-budgets-to-conquer-mortgage-payment-struggles.md): Tips for inflation-bitten budgets to conquer mortgage payment struggles
- [Fannie Mae, Freddie Mac fixed rates hit 8% for qualified borrowers](http://www.mortgagegrader.com/blog/fannie-mae-freddie-mac-fixed-rates-hit-8-for-qualified-borrowers.md): Fannie Mae, Freddie Mac fixed rates hit 8% for qualified borrowers
- [Student Loan Payments Resuming October: How Stay on Track to Your Homeownership](http://www.mortgagegrader.com/blog/student-loan-payments-resuming-october-how-stay-on-track-to-your-homeownership.md): Student loan repayment is coming back in October and Biden Administration is promising to extend it. Is it true? How does repayment affect your homebuying goals?
- [Priced out of housing market? Zero-down loans, downpayment grants available](http://www.mortgagegrader.com/blog/priced-out-of-housing-market-zero-down-loans-downpayment-grants-available.md): Priced out of housing market? Zero-down loans, downpayment grants available
- [From Bargain Hunting to Home Buying: 4 Savvy Tips to Smart Homebuyers](http://www.mortgagegrader.com/blog/from-bargain-hunting-to-home-buying-4-savvy-tips-to-smart-homebuyers.md): Ready to score your dream home without breaking the bank? Dive into our guide for shrewd homebuyers! Learn insider tricks to sweeten deals, spot potential, and save big on your home purchase.
- [Why are mortgage fees so much higher for mom-and-pop investors?](http://www.mortgagegrader.com/blog/why-are-mortgage-fees-so-much-higher-for-mom-and-pop-investors.md): Why are mortgage fees so much higher for mom-and-pop investors?
- [Beware of Bad Mortgage Advice: Don't Get Duped by These Common Myths!](http://www.mortgagegrader.com/blog/beware-of-bad-mortgage-advice-dont-get-duped-by-these-common-myths.md): Don't be fooled by common mortgage misconceptions! Discover the truth behind homebuying advice and protect yourself from costly mistakes
- [How low is home inventory? Rocket Mortgage now chasing Realtors](http://www.mortgagegrader.com/blog/how-low-is-home-inventory-rocket-mortgage-now-chasing-realtors.md): How low is home inventory? Rocket Mortgage now chasing Realtors
- [Breaking Down Big Loans: How To Tell if it's Time for a Jumbo Loan](http://www.mortgagegrader.com/blog/breaking-down-big-loans-how-to-tell-if-its-time-for-a-jumbo-loan.md): Learn how to make wise choices when it comes to financing expensive properties with a Jumbo loan.
- [Where are all the home listings? Some are selling before hitting MLS](http://www.mortgagegrader.com/blog/where-are-all-the-home-listings-some-are-selling-before-hitting-mls.md): Where are all the home listings? Some are selling before hitting MLS
- [Exploring Bridge Loans: A Close Look at This Home Financing Option](http://www.mortgagegrader.com/blog/exploring-bridge-loans-a-close-look-at-this-home-financing-option.md): Learn all about bridge loans and how they have help you fund your home purchase as you also sell an existing property.
- [Mortgage industry, homebuyers pinched by high rates, declining cash](http://www.mortgagegrader.com/blog/mortgage-industry-homebuyers-pinched-by-high-rates-declining-cash.md): Mortgage industry, homebuyers pinched by high rates, declining cash
- [Crucial Considerations: Key Questions to Ask Yourself About Home Prices and Mortgage Rates](http://www.mortgagegrader.com/blog/crucial-considerations-key-questions-to-ask-yourself-about-home-prices-and-mortgage-rates.md): If you’re still on the fence about purchasing a home now or waiting for market conditions to change, it's important to ask yourself these two questions about home prices and mortgage rates.
- [Retirement funds may qualify for purchase of short-term rentals, ADUs](http://www.mortgagegrader.com/blog/retirement-funds-may-qualify-for-purchase-of-short-term-rentals-adus.md): Retirement funds may qualify for purchase of short-term rentals, ADUs
- [Buying a new construction home? Beware the fine print in upgrades](http://www.mortgagegrader.com/blog/buying-a-new-construction-home-beware-the-fine-print-in-upgrades.md): Buying a new construction home? Beware the fine print in upgrades
- [Essential Do's and Don'ts After Applying for a Home Loan](http://www.mortgagegrader.com/blog/essential-dos-and-donts-after-applying-for-a-home-loan.md): In this article, we'll share a list of important factors you might not realize you need to avoid after applying for your home loan.
- [Earnest Money vs. Down Payment: What's the Difference?](http://www.mortgagegrader.com/blog/earnest-money-vs-down-payment-whats-the-difference.md): Confused about the difference between earnest money and down payment? Read this to get the break down.
- [A Guide to Buying a New Home: What You Need to Know](http://www.mortgagegrader.com/blog/a-guide-to-buying-a-new-home-what-you-need-to-know.md): Here are some helpful tips for buying a new construction home. 
- [Avoid the Money Pit: 5 Costly Home Features You Can Probably Do Without](http://www.mortgagegrader.com/blog/avoid-the-money-pit-5-costly-home-features-you-can-probably-do-without.md): We're shedding light on some home features that might not be worth the extra cost.
- [How Many Times Can You Use Your VA Loan Benefits? The Surprising Answer!](http://www.mortgagegrader.com/blog/how-many-times-can-you-use-your-va-loan-benefits-the-surprising-answer.md): Wondering how many times you can use your VA mortgage benefits? Learn the truth and how we can help you qualify.
- [Will homeowners’ insurance crisis upend home sales in California?](http://www.mortgagegrader.com/blog/will-homeowners-insurance-crisis-upend-home-sales-in-california.md): Will homeowners’ insurance crisis upend home sales in California?
- [The Remote Worker's Guide to Securing a Mortgage](http://www.mortgagegrader.com/blog/the-remote-workers-guide-to-securing-a-mortgage.md): Learn about the documentation you'll need to provide as a remote worker seeking mortgage approval.
- [Proposition 19’s death tax needs to die, readers say](http://www.mortgagegrader.com/blog/proposition-19s-death-tax-needs-to-die-readers-say.md): Proposition 19’s death tax needs to die, readers say
- [Building Credit for Your Dream Home: 5 Clever Tips (Minus the Credit Cards!)](http://www.mortgagegrader.com/blog/building-credit-for-your-dream-home-5-clever-tips-minus-the-credit-cards.md): Learn how to boost your credit to get a better rate as a homebuyer --without applying for a new credit card!
- [Prop. 19’s property tax transfer a ‘godsend’ for Southern California seniors](http://www.mortgagegrader.com/blog/prop-19s-property-tax-transfer-a-godsend-for-southern-california-seniors.md): Prop. 19’s property tax transfer a ‘godsend’ for Southern California seniors
- [How Mortgage Points Can Lower Rates and Make Payments More Affordable](http://www.mortgagegrader.com/blog/how-mortgage-points-can-lower-rates-and-make-payments-more-affordable.md): Learn how mortgage points can help make your monthly mortgage payment more affordable over the life of the loan.
- [How LLCs can protect heirs from property tax reassessments under Prop. 19](http://www.mortgagegrader.com/blog/how-llcs-can-protect-heirs-from-property-tax-reassessments-under-prop-19.md): How LLCs can protect heirs from property tax reassessments under Prop. 19
- [House Hunting: Finding the Perfect Price Tag for Your Dream Home](http://www.mortgagegrader.com/blog/house-hunting-finding-the-perfect-price-tag-for-your-dream-home.md): Here is now to calculate how much home you can afford to purchase.
- [FAIR Plan seeks nearly 50% premium hike from California Department of Insurance  ](http://www.mortgagegrader.com/blog/fair-plan-seeks-nearly-50-premium-hike-from-california-department-of-insurance.md): FAIR Plan seeks nearly 50% premium hike from California Department of Insurance  
- [Does Pre-Approval Really Matter in Home Shopping? The Answer May Surprise You](http://www.mortgagegrader.com/blog/does-pre-approval-really-matter-in-home-shopping-the-answer-may-surprise-you.md): Learn how pre-approval can put you in a more competitive position to purchase a home in today's market.
- [California’s FAIR Plan may save condo associations blacklisted by Fannie Mae](http://www.mortgagegrader.com/blog/californias-fair-plan-may-save-condo-associations-blacklisted-by-fannie-mae.md): California’s FAIR Plan may save condo associations blacklisted by Fannie Mae
- [Are homeseller and buyer escrow accounts safe at local banks?](http://www.mortgagegrader.com/blog/are-homeseller-and-buyer-escrow-accounts-safe-at-local-banks.md): Are homeseller and buyer escrow accounts safe at local banks?
- [7 Surprising Things You Can Negotiate With Home Sellers to Get the Home You Deserve](http://www.mortgagegrader.com/blog/7-surprising-things-you-can-negotiate-with-home-sellers-to-get-the-home-you-deserve.md): Think you can't negotiate in a competitive market? Think again! Check out these little-known facts you can negotiate even in a seller's market.
- [Buying a Home Rather Than Renting Still Makes Sense and Here's Why](http://www.mortgagegrader.com/blog/buying-a-home-rather-than-renting-still-makes-sense-and-heres-why.md): With rents continuing to rise and interest rates not going down, you may wonder if you should still rent or take the plunge and buy. Here's what you need to know.
- [Fannie, Freddie increasing ‘debt’ fees on borrowers this summer](http://www.mortgagegrader.com/blog/fannie-freddie-increasing-debt-fees-on-borrowers-this-summer.md): Fannie, Freddie increasing ‘debt’ fees on borrowers this summer
- [Get the Best of Both Worlds: The Role of Mortgage Pros and Real Estate Agents in Buying a Home](http://www.mortgagegrader.com/blog/get-the-best-of-both-worlds-the-role-of-mortgage-pros-and-real-estate-agents-in-buying-a-home.md): Learn how real estate agents and mortgage professionals work together to help you buy a home.
- [Home sellers can finance their low-rate mortgage and generate income](http://www.mortgagegrader.com/blog/home-sellers-can-finance-their-low-rate-mortgage-and-generate-income.md): Home sellers can finance their low-rate mortgage and generate income
- [Thinking About Waiting to Buy? You May Want To Think Twice!](http://www.mortgagegrader.com/blog/thinking-about-waiting-to-buy-you-may-want-to-think-twice.md): Should you wait for home prices before buying? Here is what most experts are saying about the current housing market.
- [Mortgage rates fall for fifth consecutive week to 6.27%](http://www.mortgagegrader.com/blog/mortgage-rates-fall-for-fifth-consecutive-week-to-627.md): Mortgage rates fall for fifth consecutive week to 6.27%
- [Decoding Homeowners Insurance: How Much Coverage Do You Need?](http://www.mortgagegrader.com/blog/decoding-homeowners-insurance-how-much-coverage-do-you-need.md): A Comprehensive Guide to Understanding and Determining the Right Homeowners Insurance Coverage for Your Property
- [Need a down payment? 300-plus assistance programs available in California](http://www.mortgagegrader.com/blog/need-a-down-payment-300-plus-assistance-programs-available-in-california.md): Need a down payment? 300-plus assistance programs available in California
- [Waiting For Home Prices To Drop Dramatically? Here's Why You Shouldn't Wait](http://www.mortgagegrader.com/blog/waiting-for-home-prices-to-drop-dramatically-heres-why-you-shouldnt-wait.md): If you're waiting for home prices to crash like they did in 2008, you may be waiting for a long time. Here's why that's unlikely to happen. 
- [Fannie Mae squeezing out appraisers with new automated program](http://www.mortgagegrader.com/blog/fannie-mae-squeezing-out-appraisers-with-new-automated-program.md): Fannie Mae squeezing out appraisers with new automated program
- [Why Condos are a Great Homeownership Option this Spring](http://www.mortgagegrader.com/blog/why-condos-are-a-great-homeownership-option-this-spring.md): Here are the top reasons to consider buying a condo this Spring.
- [Homebuyers who want a low rate can assume the sellers’ FHA mortgage](http://www.mortgagegrader.com/blog/homebuyers-who-want-a-low-rate-can-assume-the-sellers-fha-mortgage.md): Homebuyers who want a low rate can assume the sellers’ FHA mortgage
- [Will Silicon Valley, Signature bank crashes send mortgage rates plummeting?](http://www.mortgagegrader.com/blog/will-silicon-valley-signature-bank-crashes-send-mortgage-rates-plummeting.md): Will Silicon Valley, Signature bank crashes send mortgage rates plummeting?
- [20% Down May Not Be The Right Move For You - Here's Why](http://www.mortgagegrader.com/blog/20-down-may-not-be-the-right-move-for-you-heres-why.md): Putting down 20% on your home purchase could actually be the wrong move! Read this article to learn why. 
- [Navigating Home Buying and Budgeting During Inflation: Mastering It for Success](http://www.mortgagegrader.com/blog/navigating-home-buying-and-budging-during-inflation-mastering-it-for-success.md): Here's how to manage your budget during times of inflation and still make your home buying dreams come true.
- [How seniors can tap their home’s equity in tough times](http://www.mortgagegrader.com/blog/how-seniors-can-tap-their-homes-equity-in-tough-times.md): How seniors can tap their home’s equity in tough times
- [Get Ready for the Spring Homebuying Season with These 5 Home Buying Tips ](http://www.mortgagegrader.com/blog/get-ready-for-the-spring-homebuying-season-with-these-5-home-buying-tips.md): Use these tips to get ahead of the homebuying competition this spring.
- [Fannie Mae halts financing for 6,102 condos in Laguna Woods](http://www.mortgagegrader.com/blog/fannie-mae-halts-financing-for-6102-condos-in-laguna-woods.md): Fannie Mae halts financing for 6,102 condos in Laguna Woods
- [How to Profit from Buying a Home Now Despite Rising Rates](http://www.mortgagegrader.com/blog/how-to-profit-from-buying-a-home-now-despite-rising-rates.md): Learn about the unexpected advantage of buying a home when rates are high. 
- [FHA’s lower mortgage insurance fees could save borrowers $1,500 annually](http://www.mortgagegrader.com/blog/fhas-lower-mortgage-insurance-fees-could-save-borrowers-1500-annually.md): FHA’s lower mortgage insurance fees could save borrowers $1,500 annually
- [Homebuying Help: How Downpayment Assistance Programs Work](http://www.mortgagegrader.com/blog/homebuying-help-how-downpayment-assistance-programs-work.md): Learn more about downpayment assistance programs and their requirements.
- [Want to buy a house – in a year? Here’s your financial checklist](http://www.mortgagegrader.com/blog/want-to-buy-a-house-in-a-year-heres-your-financial-checklist.md): Want to buy a house – in a year? Here’s your financial checklist
- [What's the Max Debt-to-Income (DTI) Ratio for a Mortgage?](http://www.mortgagegrader.com/blog/whats-the-max-debt-to-income-dti-ratio-for-a-mortgage.md): Learn what DTI is and what the max ratio you can have and still qualify for a home loan.
- [First-time homebuyer pickle: Sparse inventory, high rates, looming recession](http://www.mortgagegrader.com/blog/first-time-homebuyer-pickle-sparse-inventory-high-rates-looming-recession.md): First-time homebuyer pickle: Sparse inventory, high rates, looming recession
- [Should You Close Credit Cards Before Applying for a Mortgage?](http://www.mortgagegrader.com/blog/should-you-close-credit-cards-before-applying-for-a-mortgage.md): Learn whether it's a smart move to close credit cards after paying them off if you plan to buy a home
- [Hard-money loans can turn a 10% return for rental-shy investors](http://www.mortgagegrader.com/blog/hard-money-loans-can-turn-a-10-return-for-rental-shy-investors.md): Hard-money loans can turn a 10% return for rental-shy investors
- [Does Having a Student Loan Affect a Mortgage Pre-Approval?](http://www.mortgagegrader.com/blog/does-having-a-student-loan-affect-a-mortgage-pre-approval.md): Learn how student loans affect your ability to get pre-approved and how you can qualify for a loan despite large loans.
- [Lower rates coming for low down payment buyers with riskier credit scores](http://www.mortgagegrader.com/blog/lower-rates-coming-for-low-down-payment-buyers-with-riskier-credit-scores.md): Lower rates coming for low down payment buyers with riskier credit scores
- [Your Mini-Guide To Buying A Condo](http://www.mortgagegrader.com/blog/your-mini-guide-to-buying-a-condo.md): Buying a condo as a first home is a great and affordable idea. Here's what you need to know.
- [Why are mortgage applications spiking 25% even as home sales collapse?](http://www.mortgagegrader.com/blog/why-are-mortgage-applications-spiking-25-even-as-home-sales-collapse.md): Why are mortgage applications spiking 25% even as home sales collapse?
- [What Most First-Time Homebuyers Wish They Knew Before Their Purchase](http://www.mortgagegrader.com/blog/what-most-first-time-homebuyers-wish-they-knew-before-their-purchase.md): If you're a first-time homebuyer, it's essential that you arm yourself with knowledge. This is what most buyers wish they knew beforehand.
- [Why no Costco-like discounts for real estate services? It’s illegal](http://www.mortgagegrader.com/blog/why-no-costco-like-discounts-for-real-estate-services-its-illegal.md): Why no Costco-like discounts for real estate services? It’s illegal
- [Simple Budgeting Tips: Getting Ready To Own Your First Home](http://www.mortgagegrader.com/blog/simple-budgeting-tips-getting-ready-to-own-your-first-home.md): Use these tips to help you get your finances in order before buying your first home. 
- [Home equity lines, second mortgage lending spikes as consumer debt soars](http://www.mortgagegrader.com/blog/home-equity-lines-second-mortgage-lending-spikes-as-consumer-debt-soars.md): Home equity lines, second mortgage lending spikes as consumer debt soars
- [Benefits of a New Construction vs Existing Home](http://www.mortgagegrader.com/blog/benefits-of-a-new-construction-vs-existing-home.md): Should you buy a new construction or an existing home? We're discussing the pros of each.
- [What's Really Going On In the Market? Get Real Answers From Your Local Mortgage Advisor](http://www.mortgagegrader.com/blog/whats-really-going-on-in-the-market-get-real-answers-from-your-local-mortgage-advisor.md): Confused by real estate and mortgage news headlines? Learn where to find honest advice and guidance for all your mortgage questions.
- [2023 predictions: Southern California median home price to slide 10%](http://www.mortgagegrader.com/blog/2023-predictions-southern-california-median-home-price-to-slide-10.md): 2023 predictions: Southern California median home price to slide 10%
- [Get The Facts: Will Pre-Approval Hurt My Credit?](http://www.mortgagegrader.com/blog/get-the-facts-will-pre-approval-hurt-my-credit.md): We're spilling the beans on whether getting pre-approved for a mortgage lowers your credit score.
- [Buyer beware: Hefty broker referral expenses may limit home, mortgage choices](http://www.mortgagegrader.com/blog/buyer-beware-hefty-broker-referral-expenses-may-limit-home-mortgage-choices.md): Buyer beware: Hefty broker referral expenses may limit home, mortgage choices
- [How Working With A Mortgage Professional Can Save You Money](http://www.mortgagegrader.com/blog/how-working-with-a-mortgage-professional-can-save-you-money.md): Learn about the benefits of working with a mortgage professional and how it can save you money. 
- [California Realtor’s new purchase contract could upend buyer’s agent commission](http://www.mortgagegrader.com/blog/california-realtors-new-purchase-contract-could-upend-buyers-agent-commission.md): California Realtor’s new purchase contract could upend buyer’s agent commission
- [Best Ways to Leverage Your Home Equity](http://www.mortgagegrader.com/blog/best-ways-to-leverage-your-home-equity.md): Need some extra cash? Your home equity is a powerful tool you can use to get the cash you need.
- [Fannie, Freddie now a better deal than FHA financing for certain first-time buyers](http://www.mortgagegrader.com/blog/fannie-freddie-now-a-better-deal-than-fha-financing-for-certain-first-time-buyers.md): Fannie, Freddie now a better deal than FHA financing for certain first-time buyers
- [The Perks of Living in a Multigenerational Home](http://www.mortgagegrader.com/blog/the-perks-of-living-in-a-multigenerational-home.md): Multigenerational living is increasing in popularity. It also has many perks! See how to make it work for you.
- [Homebuyers face 91% increase for credit reports starting Jan. 1](http://www.mortgagegrader.com/blog/homebuyers-face-91-increase-for-credit-reports-starting-jan-1.md): Homebuyers face 91% increase for credit reports starting Jan. 1
- [Choosing the Best Mortgage Options for Unique Circumstances](http://www.mortgagegrader.com/blog/choosing-the-best-mortgage-options-for-unique-circumstances.md): Do you have a unique circumstance? These home loan options may be the right fit.
- [Will these zero-down loans for homebuyers doom real estate again? ](http://www.mortgagegrader.com/blog/will-these-zero-down-loans-for-homebuyers-doom-real-estate-again.md): Will these zero-down loans for homebuyers doom real estate again? 
- [10 Things to Check Before Buying in a New Neighborhood](http://www.mortgagegrader.com/blog/10-things-to-check-before-buying-in-a-new-neighborhood.md): What you need to look for when looking to buy a home in a new neighborhood. 
- [Are layoffs and the stalled housing market signs to tap equity now?](http://www.mortgagegrader.com/blog/are-layoffs-and-the-stalled-housing-market-signs-to-tap-equity-now.md): Are layoffs and the stalled housing market signs to tap equity now?
- [Add Instant Curb Appeal With These Ideas](http://www.mortgagegrader.com/blog/add-instant-curb-appeal-with-these-ideas.md): Here are the top tips for adding instant curb appeal to your home --without breaking the bank!
- [Thinking About Relocating? How to Choose Where to Live](http://www.mortgagegrader.com/blog/thinking-about-relocating-how-to-choose-where-to-live.md): Here's how to choose a new city when you want to relocate.
- [Top Ways to Raising Your Credit Score --Fast!](http://www.mortgagegrader.com/blog/top-ways-to-raising-your-credit-score-fast.md): Review the fastest (and easiest) ways to raise your credit score before applying for a home loan. 
- [As prices fall, homebuyers can weigh agent bonus for even more discounts](http://www.mortgagegrader.com/blog/as-prices-fall-homebuyers-can-weigh-agent-bonus-for-even-more-discounts.md): As prices fall, homebuyers can weigh agent bonus for even more discounts
- [Why Buying A Home Still Makes Better Financial Sense Than Renting](http://www.mortgagegrader.com/blog/why-buying-a-home-still-makes-better-financial-sense-than-renting.md): Is buying a home still worth it in 2022? Yes! Learn why. 
- [Homebuyers can lock a rate for 150 days ahead of a sales contract](http://www.mortgagegrader.com/blog/homebuyers-can-lock-a-rate-for-150-days-ahead-of-a-sales-contract.md): Homebuyers can lock a rate for 150 days ahead of a sales contract
- [Tips for Saving Thousands on Your Home Purchase](http://www.mortgagegrader.com/blog/tips-for-saving-thousands-on-your-home-purchase.md): These tips can save your tons and make it possible to buy your first home sooner rather than later. 
- [How a temporary rate buydown can help lower house payments](http://www.mortgagegrader.com/blog/how-a-temporary-rate-buydown-can-help-lower-house-payments.md): How a temporary rate buydown can help lower house payments
- [Are We Entering a Buyer’s Market? Signs to Watch Out For](http://www.mortgagegrader.com/blog/are-we-entering-a-buyers-market-signs-to-watch-out-for.md): Here are the signs that 2022 will be a buyers market
- [30-year mortgage rates soar to 6.7%, highest in 15 years](http://www.mortgagegrader.com/blog/30-year-mortgage-rates-soar-to-67-highest-in-15-years.md): 30-year mortgage rates soar to 6.7%, highest in 15 years
- [Making Sense of the Current Housing Market](http://www.mortgagegrader.com/blog/making-sense-of-the-current-housing-market.md): Learning to navigate the 2022 housing market as a homebuyer. 
- [30-year fixed mortgage hits 6.29%, double last year’s average](http://www.mortgagegrader.com/blog/30-year-fixed-mortgage-hits-629-double-last-years-average.md): 30-year fixed mortgage hits 6.29%, double last year’s average
- [Watch Out for these Red Flags When Buying a Home “As Is”](http://www.mortgagegrader.com/blog/watch-out-for-these-red-flags-when-buying-a-home-as-is.md): Buying your first home? Look out for these potential problems.
- [Fannie Mae fee unfairly hurts borrowers using mortgage brokers](http://www.mortgagegrader.com/blog/fannie-mae-fee-unfairly-hurts-borrowers-using-mortgage-brokers.md): Fannie Mae fee unfairly hurts borrowers using mortgage brokers
- [Concessions You Can Get Even In A Seller’s Market](http://www.mortgagegrader.com/blog/concessions-you-can-get-even-in-a-sellers-market.md): Check out these tips for getting a great deal on your home even in a seller's market.
- [Lenders announce higher conventional loan limits early](http://www.mortgagegrader.com/blog/lenders-announce-higher-conventional-loan-limits-early.md): Lenders announce higher conventional loan limits early
- [What Does a Home Inspector Look For in a Home You Want to Buy?](http://www.mortgagegrader.com/blog/what-does-a-home-inspector-look-for-in-a-home-you-want-to-buy.md): Are you buying your first home? This is what a home inspector checks. 
- [Adjustable-rate-mortgage applications highest in 15 years](http://www.mortgagegrader.com/blog/adjustable-rate-mortgage-applications-highest-in-15-years.md): Adjustable-rate-mortgage applications highest in 15 years
- [2022 Real Estate Market Predictions](http://www.mortgagegrader.com/blog/2022-real-estate-market-predictions.md): Here's what to expect in real estate for 2022.
- [Market opening up for first-time, low-down payment buyers](http://www.mortgagegrader.com/blog/market-opening-up-for-first-time-low-down-payment-buyers.md): Market opening up for first-time, low-down payment buyers
- [How To Save For A Down Payment on a Tight Budget](http://www.mortgagegrader.com/blog/how-to-save-for-a-down-payment-on-a-tight-budget.md): Tips for saving to buy your first home. 
- [Here’s Why The Current Housing Market Isn’t Like 2008](http://www.mortgagegrader.com/blog/heres-why-the-current-housing-market-isnt-like-2008.md): Learn why the current housing market is not heading for another great recession.
- [How To Buy and Sell Your Home As a Military Family](http://www.mortgagegrader.com/blog/how-to-buy-and-sell-your-home-as-a-military-family.md): Is it better for a military family to buy or rent? We weigh your options
- [Reverse mortgage market may be teetering on collapse](http://www.mortgagegrader.com/blog/reverse-mortgage-market-may-be-teetering-on-collapse.md): Reverse mortgage market may be teetering on collapse
- [Feds Hike Interest Rate: What This Means for Mortgages, Car Loans, and More](http://www.mortgagegrader.com/blog/feds-hike-interest-rate-what-this-means-for-mortgages-car-loans-and-more.md): Learn how the recent rate interest increase impacts home loans, car loans, credit, cards and more.
- [New ‘second mortgage’ could help self-employed borrowers weather a recession](http://www.mortgagegrader.com/blog/new-second-mortgage-could-help-self-employed-borrowers-weather-a-recession.md): New ‘second mortgage’ could help self-employed borrowers weather a recession
- [Best Home Loan Options for Single Parents](http://www.mortgagegrader.com/blog/best-home-loan-options-for-single-parents.md): Which home loan is best for single parents? Find out your options in this article.
- [Home seller discounts can include more than just price drops](http://www.mortgagegrader.com/blog/home-seller-discounts-can-include-more-than-just-price-drops.md): Home seller discounts can include more than just price drops
- [Who Qualifies for Down Payment Assistance?](http://www.mortgagegrader.com/blog/who-qualifies-for-down-payment-assistance.md): Explore your options for down payment assistance for first-time homebuyers.
- [Mortgage relief plans may help struggling borrowers stay put](http://www.mortgagegrader.com/blog/mortgage-relief-plans-may-help-struggling-borrowers-stay-put.md): Mortgage relief plans may help struggling borrowers stay put
- [How Do Second Mortgages Work?](http://www.mortgagegrader.com/blog/how-do-second-mortgages-work.md): Find out how a second mortgage works and when it's a good idea to consider one. 
- [Freddie Mac credits on-time rent payments for first-time buyers](http://www.mortgagegrader.com/blog/freddie-mac-credits-on-time-rent-payments-for-first-time-buyers.md): Freddie Mac credits on-time rent payments for first-time buyers
- [FICO score simulator paves approval path for borderline homebuyers](http://www.mortgagegrader.com/blog/fico-score-simulator-paves-approval-path-for-borderline-homebuyers.md): FICO score simulator paves approval path for borderline homebuyers
- [Factors To Consider When Purchasing a Home as an Unmarried Couple](http://www.mortgagegrader.com/blog/factors-to-consider-when-purchasing-a-home-as-an-unmarried-couple.md): What you need to know about buying your first home as an unmarried couple
- [Market shift opens door for buyers to make demands of sellers](http://www.mortgagegrader.com/blog/market-shift-opens-door-for-buyers-to-make-demands-of-sellers.md): Market shift opens door for buyers to make demands of sellers
- [What’s the difference between private mortgage insurance and mortgage insurance premium?](http://www.mortgagegrader.com/blog/whats-the-difference-between-private-mortgage-insurance-and-mortgage-insurance-premium.md): Learn what PMI and MIP are and which one is better for homebuyers.
- [Is It Possible to Buy a Condo with a VA Loan?](http://www.mortgagegrader.com/blog/is-it-possible-to-buy-a-condo-with-a-va-loan.md): Get an overview of buying a condo with a VA home loan. 
- [Adjustable-rate mortgages can lower payments as interest rates soar](http://www.mortgagegrader.com/blog/adjustable-rate-mortgages-can-lower-payments-as-interest-rates-soar.md): Adjustable-rate mortgages can lower payments as interest rates soar
- [Buying Mortgage Points: Is It Worth It?](http://www.mortgagegrader.com/blog/buying-mortgage-points-is-it-worth-it.md): Should you buy points? Learn more about what points are and when to buy them.
- [Freddie Mac eases granny flat financing](http://www.mortgagegrader.com/blog/freddie-mac-eases-granny-flat-financing.md): Freddie Mac eases granny flat financing
- [Things to Consider When Deciding to Rent or Buy Your First Home](http://www.mortgagegrader.com/blog/things-to-consider-when-deciding-to-rent-or-buy-your-first-home.md): Things to consider about buying or renting your first home. 
- [Vulnerable borrowers should pull cash-out before inflation sinks economy](http://www.mortgagegrader.com/blog/vulnerable-borrowers-should-pull-cash-out-before-inflation-sinks-economy.md): Vulnerable borrowers should pull cash-out before inflation sinks economy
- [Getting Ready To Buy A Retirement Home: Things To Consider](http://www.mortgagegrader.com/blog/getting-ready-to-buy-a-retirement-home-things-to-consider.md): What to look for when buying a retirement home.
- [Unique loan offers no income threshold for underserved homebuyers](http://www.mortgagegrader.com/blog/unique-loan-offers-no-income-threshold-for-underserved-homebuyers.md): Unique loan offers no income threshold for underserved homebuyers
- [Better Alternatives To Withdrawing From Your Retirement](http://www.mortgagegrader.com/blog/better-alternatives-to-withdrawing-from-your-retirement.md): Explore alternatives to getting a loan against your retirement.
- [Your Guide To Buying A Home When You Have Bad Credit](http://www.mortgagegrader.com/blog/your-guide-to-buying-a-home-when-you-have-bad-credit.md): Learn about your home loan options when you have a low credit score.
- [As interest rates rise, lenders offer creative mortgages, incentives](http://www.mortgagegrader.com/blog/as-interest-rates-rise-lenders-offer-creative-mortgages-incentives.md): As interest rates rise, lenders offer creative mortgages, incentives
- [Your Guide To Paying Down Credit Card Debt With A Home Equity Loan](http://www.mortgagegrader.com/blog/your-guide-to-paying-down-credit-card-debt-with-a-home-equity-loan.md): How to pay off debt with a home equity loan. 
- [Adjustable mortgages now hugely more affordable than fixed rates](http://www.mortgagegrader.com/blog/adjustable-mortgages-now-hugely-more-affordable-than-fixed-rates.md): Adjustable mortgages now hugely more affordable than fixed rates
- [How Can I Get Approved for a Mortgage as a Contract Employee?](http://www.mortgagegrader.com/blog/how-can-i-get-approved-for-a-mortgage-as-a-contract-employee.md): How to get a self-employed mortgage.
- [5 easy ways to get your hands on $1 million](http://www.mortgagegrader.com/blog/5-easy-ways-to-get-your-hands-on-1-million.md): 5 easy ways to get your hands on $1 million
- [Step By Step Guide To Getting Your Credit Ready For A Mortgage](http://www.mortgagegrader.com/blog/step-by-step-guide-to-getting-your-credit-ready-for-a-mortgage.md): Tips for improving your credit before applying for a mortgage. 
- [Market hitting peak for cash-out refinancing](http://www.mortgagegrader.com/blog/market-hitting-peak-for-cash-out-refinancing.md): Market hitting peak for cash-out refinancing
- [Learn The Difference Between A Home Equity Loan vs. HELOC](http://www.mortgagegrader.com/blog/learn-the-difference-between-a-home-equity-loan-vs-heloc.md): Should you choose a HELOC or Home Equity Loan? Read this to help you understand the difference. 
- [Reverse mortgage knockoff available for seniors 55 and over](http://www.mortgagegrader.com/blog/reverse-mortgage-knockoff-available-for-seniors-55-and-over.md): Reverse mortgage knockoff available for seniors 55 and over
- [5 Mistakes Newbie Investors Make When Buying A House To Flip](http://www.mortgagegrader.com/blog/5-mistakes-newbie-investors-make-when-buying-a-house-to-flip.md): Avoid these mistakes when purchasing a property for flipping.
- [Negative adjustable-rate mortgages are back](http://www.mortgagegrader.com/blog/negative-adjustable-rate-mortgages-are-back.md): Negative adjustable-rate mortgages are back
- [How Do You Get A Mortgage For A Rental Property?](http://www.mortgagegrader.com/blog/how-do-you-get-a-mortgage-for-a-rental-property.md): Learn about investment loans for purchasing a rental property. 
- [Could mortgage rates soon hit 5%? We’re not that far off](http://www.mortgagegrader.com/blog/could-mortgage-rates-soon-hit-5-were-not-that-far-off.md): Could mortgage rates soon hit 5%? We’re not that far off
- [How Do Non-QM Loans Work?](http://www.mortgagegrader.com/blog/how-do-non-qm-loans-work.md): Find out if a non-qm loan makes sense for your home financing needs.
- [Biden administration unveils plan to curb racial bias in home appraisals](http://www.mortgagegrader.com/blog/biden-administration-unveils-plan-to-curb-racial-bias-in-home-appraisals.md): Biden administration unveils plan to curb racial bias in home appraisals
- [What Are The Closing Costs For A VA Loan?](http://www.mortgagegrader.com/blog/what-are-the-closing-costs-for-a-va-loan.md): Find out what closing costs you must pay with a VA Loan.
- [Freddie Mac ending automated appraisal waivers on cash-out refinances](http://www.mortgagegrader.com/blog/freddie-mac-ending-automated-appraisal-waivers-on-cash-out-refinances.md): Freddie Mac ending automated appraisal waivers on cash-out refinances
- [How Does A Mortgage Underwriter Verify Income?](http://www.mortgagegrader.com/blog/how-does-a-mortgage-underwriter-verify-income.md): Here is how an underwriter verifies income to determine whether a home loan is approved. 
- [Condo shoppers beware: Balcony law could cost you thousands of dollars after you buy](http://www.mortgagegrader.com/blog/condo-shoppers-beware-balcony-law-could-cost-you-thousands-of-dollars-after-you-buy.md): Condo shoppers beware: Balcony law could cost you thousands of dollars after you buy
- [How To Spot A Reverse Mortgage Scam](http://www.mortgagegrader.com/blog/how-to-spot-a-reverse-mortgage-scam.md): Learn how to spot the most common reverse mortgage scams. 
- [Mortgage rate drop may be temporary response to Russian invasion](http://www.mortgagegrader.com/blog/mortgage-rate-drop-may-be-temporary-response-to-russian-invasion.md): Mortgage rate drop may be temporary response to Russian invasion
- [What’s The Minimum Credit Score For VA Home Loan Approval?](http://www.mortgagegrader.com/blog/whats-the-minimum-credit-score-for-va-home-loan-approval.md): Learn what credit score you need to get approved for a VA loan.
- [Condo questionnaire causing some boards to boycott Fannie, Freddie financing](http://www.mortgagegrader.com/blog/condo-questionnaire-causing-some-boards-to-boycott-fannie-freddie-financing.md): Condo questionnaire causing some boards to boycott Fannie, Freddie financing
- [How To Deduct Mortgage Interest From Your Taxes](http://www.mortgagegrader.com/blog/how-to-deduct-mortgage-interest-from-your-taxes.md): Did you know that homeowners can deduct certain expenses from their taxes
- [Agents share how homebuyers with a loan can top all-cash offers](http://www.mortgagegrader.com/blog/agents-share-how-homebuyers-with-a-loan-can-top-all-cash-offers.md): Agents share how homebuyers with a loan can top all-cash offers
- [Guide To Qualifying For A Mortgage As A Non-U.S. Citizen](http://www.mortgagegrader.com/blog/guide-to-qualifying-for-a-mortgage-as-a-non-us-citizen.md): Learn how to get a home loan as a non-citizen.
- [‘No credit report, no job’ is 2022’s exotic mortgage winner](http://www.mortgagegrader.com/blog/no-credit-report-no-job-is-2022s-exotic-mortgage-winner.md): ‘No credit report, no job’ is 2022’s exotic mortgage winner
- ["Can I Buy Land And Build A House With An FHA Loan?"](http://www.mortgagegrader.com/blog/can-i-buy-land-and-build-a-house-with-an-fha-loan.md): Find out how you can use an FHA Construction Loan to buy land and build a custom home. 
- [Harsh COVID-19 rules rescinded for self-employed borrowers](http://www.mortgagegrader.com/blog/harsh-covid-19-rules-rescinded-for-self-employed-borrowers.md): Harsh COVID-19 rules rescinded for self-employed borrowers
- [“Can I Use My Equity To Buy Another House?”](http://www.mortgagegrader.com/blog/can-i-use-my-equity-to-buy-another-house.md): Learn how to buy a second home using a home equity loan. 
- [Adjustable mortgages may see a 3.5% rate increase by 2025](http://www.mortgagegrader.com/blog/adjustable-mortgages-may-see-a-35-rate-increase-by-2025.md): Adjustable mortgages may see a 3.5% rate increase by 2025
- [Closing Costs: What Are They and How Much Will You Pay?](http://www.mortgagegrader.com/blog/closing-costs-what-are-they-and-how-much-will-you-pay.md): Discover what closing costs are and how much you can expect to pay.
- [New HOA questionnaire could torpedo condo financing under Fannie, Freddie](http://www.mortgagegrader.com/blog/new-hoa-questionnaire-could-torpedo-condo-financing-under-fannie-freddie.md): New HOA questionnaire could torpedo condo financing under Fannie, Freddie
- [Is Buying a Foreclosure Smart for a First-Time Buyer?](http://www.mortgagegrader.com/blog/is-buying-a-foreclosure-smart-for-a-first-time-buyer.md): Is it a good idea to buy a foreclosed home as a first-time homebuyer? Find out in this article.
- [Appraisal pre-approvals can level the home-buying playing field](http://www.mortgagegrader.com/blog/appraisal-pre-approvals-can-level-the-home-buying-playing-field.md): Appraisal pre-approvals can level the home-buying playing field
- ["How Do I Get a Mortgage Loan If I'm Self-Employed"](http://www.mortgagegrader.com/blog/how-do-i-do-a-mortgage-loan-if-im-self-employed.md): Follow our tips for a fast and easy mortgage approval experience as a self-employed home shopper.
- [Fannie, Freddie raising fees on high-balance and second home loans](http://www.mortgagegrader.com/blog/fannie-freddie-raising-fees-on-high-balance-and-second-home-loans.md): Fannie, Freddie raising fees on high-balance and second home loans
- [Can I Be Turned Down A Home Loan After Pre-Approval?](http://www.mortgagegrader.com/blog/can-i-be-turned-down-a-home-loan-after-pre-approval.md):  It may surprise you to learn that lenders may turn you down for a loan even if you get pre-approved. Let’s take a look at some of the reasons why this may happen and how to prevent it.
- [Freddie Mac’s 15-year fixed rate ends 2021 near all-time low](http://www.mortgagegrader.com/blog/freddie-macs-15-year-fixed-rate-ends-2021-near-all-time-low.md): Freddie Mac’s 15-year fixed rate ends 2021 near all-time low
- [Can You Get a Cashback on an FHA Loan?](http://www.mortgagegrader.com/blog/can-you-get-a-cashback-on-an-fha-loan.md): Here’s what you need to know about getting cashback on a government-backed FHA home loan.
- [Next year’s predictions: Low mortgage rates and high home prices](http://www.mortgagegrader.com/blog/next-years-predictions-low-mortgage-rates-and-high-home-prices.md): Next year’s predictions: Low mortgage rates and high home prices
- [Despite inflation, mortgage rates remain inexplicably flat](http://www.mortgagegrader.com/blog/despite-inflation-mortgage-rates-remain-inexplicably-flat.md): Despite inflation, mortgage rates remain inexplicably flat
- [Is Title Insurance Necessary for a Home Purchase?](http://www.mortgagegrader.com/blog/is-title-insurance-necessary-for-a-home-purchase.md): Find out how title insurance works and why it's recommended when purchasing property.
- [Wish list for a mortgage system makeover: Build your own mortgage, easier appraisals](http://www.mortgagegrader.com/blog/wish-list-for-a-mortgage-system-makeover-build-your-own-mortgage-easier-appraisals.md): Wish list for a mortgage system makeover: Build your own mortgage, easier appraisals
- [Can You Buy A Home Without A Credit Score?](http://www.mortgagegrader.com/blog/can-you-buy-a-home-without-a-credit-score.md): Learn the various ways you can get approved for a home loan with little to no credit history. 
- [Are new loan limits for Fannie and Freddie too high? ](http://www.mortgagegrader.com/blog/are-new-loan-limits-for-fannie-and-freddie-too-high.md): Are new loan limits for Fannie and Freddie too high? 
- [How Do Mortgage Lenders Decide How Much You Can Borrow?](http://www.mortgagegrader.com/blog/how-do-mortgage-lenders-decide-how-much-you-can-borrow.md): Read this to understand the most common factors that lenders look at to know how much you can borrow.
- [Count your pandemic-related mortgage blessings ](http://www.mortgagegrader.com/blog/count-your-pandemic-related-mortgage-blessings.md): Count your pandemic-related mortgage blessings 
- [How Does a Home Improvement Loan Work?](http://www.mortgagegrader.com/blog/how-does-a-home-improvement-loan-work.md): Home renovations can be expensive, and saving up for extensive improvements could take years. Fortunately, you can fast-track your goals with a home improvement loan.
- [iLender offers Calif. home sellers up to $3 million guaranteed if buyer falters](http://www.mortgagegrader.com/blog/ilender-offers-calif-home-sellers-up-to-3-million-guaranteed-if-buyer-falters.md): iLender offers Calif. home sellers up to $3 million guaranteed if buyer falters
- [Which One Is Better? An FHA Or Conventional Loan?](http://www.mortgagegrader.com/blog/which-one-is-better-fha-or-conventional-loan.md): First time homebuyer? Read this to understand whether and FHA or Conventional loan is best.
- [For the first time ever, mortgage rates plunge as inflation soars](http://www.mortgagegrader.com/blog/for-the-first-time-ever-mortgage-rates-plunge-as-inflation-soars.md): For the first time ever, mortgage rates plunge as inflation soars
- ["How Much Money Do I Need to Buy My First Home?"](http://www.mortgagegrader.com/blog/how-much-money-do-i-need-to-buy-my-first-home.md): In this article, we’ll break down how much you need to purchase a new home before the year ends, plus we’ll explain the typical expenses you’ll encounter when closing the deal on your new property.
- [Yes, there are ‘marijuana mortgages’ for California borrowers](http://www.mortgagegrader.com/blog/yes-there-are-marijuana-mortgages-for-california-borrowers.md): Yes, there are ‘marijuana mortgages’ for California borrowers
- [Should I Buy a Move-In Ready Home or Fixer-Upper?](http://www.mortgagegrader.com/blog/should-i-buy-a-move-in-ready-home-or-fixer-upper.md): If you’re a first-time homebuyer, one of the questions you may have is whether to purchase a move-in-ready home or one that needs some renovation before moving in. 
- [Millennial homeownership rates lag the national average](http://www.mortgagegrader.com/blog/millennial-homeownership-rates-lag-the-national-average.md): Millennial homeownership rates lag the national average
- [How Does  APR Work In A Mortgage Payment](http://www.mortgagegrader.com/blog/how-does-apr-work-in-a-mortgage-payment.md): This article will explain what an APR is, how it’s calculated, and how it’s applied to help you pick the best loan for you.
- [Fannie, Freddie give green light for remote appraisals](http://www.mortgagegrader.com/blog/fannie-freddie-give-green-light-for-remote-appraisals.md): Fannie, Freddie give green light for remote appraisals
- [Debunking 5 Myths About VA Home Loans](http://www.mortgagegrader.com/blog/debunking-5-myths-about-va-home-loans.md): Read the top myths about VA home loans and learn the truth behind them so that you can make the best decision on whether or not a VA home loan is the right option for your specific requirements.  
- [Home price gains will shrink to 3-5% in 2022, experts say](http://www.mortgagegrader.com/blog/home-price-gains-will-shrink-to-3-5-in-2022-experts-say.md): Home price gains will shrink to 3-5% in 2022, experts say
- [Everything You Need to Know to Refinance Your Mortgage](http://www.mortgagegrader.com/blog/everything-you-need-to-know-to-refinance-your-mortgage.md): Before you commit, it’s important you know how refinancing works. In this article, we’ll share all that you need to know to make the best decision based on your current situation and financial goals.
- [Mortgage lenders boosting jumbo loan limits 2 months before regulator](http://www.mortgagegrader.com/blog/mortgage-lenders-boosting-jumbo-loan-limits-2-months-before-regulator.md): Mortgage lenders boosting jumbo loan limits 2 months before regulator
- [The Top 4 Reasons to Buy a Multi-Unit Property](http://www.mortgagegrader.com/blog/the-top-4-reasons-to-buy-a-multi-unit-property.md): If you’ve been curious about multi-family property investing, this article is for you! In it, we’ll share the best reasons why you should get in the game along with the pitfalls you need to avoid.
- [Fannie, Freddie flip makes rental acquisitions enticing again](http://www.mortgagegrader.com/blog/fannie-freddie-flip-makes-rental-acquisitions-enticing-again.md): Fannie, Freddie flip makes rental acquisitions enticing again
- [Is A No-Closing-Cost Refinance The Best Option For You?](http://www.mortgagegrader.com/blog/is-a-no-closing-cost-refinance-the-best-option-for-you.md): If you are thinking about refinancing your mortgage but lack the closing costs funds, then a no-closing-cost refinance may be the loan option you need to get it done. Read on to learn more about what a no-cost refinance is and how you can qualify for one.
- [State grants helping low-income homeowners build granny flats](http://www.mortgagegrader.com/blog/state-grants-helping-low-income-homeowners-build-granny-flats.md): State grants helping low-income homeowners build granny flats
- [You, too, could own a McMansion thanks to low jumbo rates](http://www.mortgagegrader.com/blog/you-too-could-own-a-mcmansion-thanks-to-low-jumbo-rates.md): You, too, could own a McMansion thanks to low jumbo rates
- [Who Qualifies For A Reverse Mortgage?](http://www.mortgagegrader.com/blog/who-qualifies-for-a-reverse-mortgage.md): Get the facts about reverse mortgages. 
- [Some homebuyers balking at unreasonable seller demands](http://www.mortgagegrader.com/blog/some-homebuyers-balking-at-unreasonable-seller-demands.md): Some homebuyers balking at unreasonable seller demands
- [Discover Your Home Equity Options](http://www.mortgagegrader.com/blog/discover-your-home-equity-options.md): In this article, we'll review what a home equity loan is as well as alternatives that also give you access to lump sums. 
- [Record home-price gains zapping mortgage insurance](http://www.mortgagegrader.com/blog/record-home-price-gains-zapping-mortgage-insurance.md): Record home-price gains zapping mortgage insurance
- [What Does It Mean To Cosign On A Mortgage?](http://www.mortgagegrader.com/blog/what-does-it-mean-to-cosign-on-a-mortgage.md): Have you been asked to cosign by someone looking to get a home loan approval? You may be wondering why they would ask or how this affects you. This article will help you to understand both of these points.
- [Mortgage market nearly crashed in early COVID-19 days](http://www.mortgagegrader.com/blog/mortgage-market-nearly-crashed-in-early-covid-19-days.md): Mortgage market nearly crashed in early COVID-19 days
- [Freddie Mac combines mortgage and renovation financing](http://www.mortgagegrader.com/blog/freddie-mac-combines-mortgage-and-renovation-financing.md): Freddie Mac combines mortgage and renovation financing
- [How Much Down Payment Do You Need To Buy A Home?](http://www.mortgagegrader.com/blog/how-much-down-payment-do-you-need-to-buy-a-home.md): If you're considering buying a home, you might wonder how much is required as a down payment. Here is a quick run-down of the requirements of the down payment per loan type.
- [15-year fixed-rate mortgage remains near all-time low](http://www.mortgagegrader.com/blog/15-year-fixed-rate-mortgage-remains-near-all-time-low.md): 15-year fixed-rate mortgage remains near all-time low
- [Thinking About Refinancing Your Investment Property? Read This](http://www.mortgagegrader.com/blog/thinking-about-refinancing-your-investment-property-read-this.md): Let's take a look at everything you need to know about refinancing an investment property.
- [10 years of mortgage news: ADUs and IRA home loans are hot topics](http://www.mortgagegrader.com/blog/10-years-of-mortgage-news-adus-and-ira-home-loans-are-hot-topics.md): 10 years of mortgage news: ADUs and IRA home loans are hot topics
- [What is DTI and How It Affects Your Mortgage Application](http://www.mortgagegrader.com/blog/what-is-dti-and-how-it-affects-your-mortgage-application.md): Ever wonder why it's essential to keep your debt in check when applying for a mortgage or what debt matters to your approval? This article will help you answer these fundamental questions so that you're in a great position to get approved for a home loan.
- [15-year fixed mortgages drop to record low of 2.1%](http://www.mortgagegrader.com/blog/15-year-fixed-mortgages-drop-to-record-low-of-21.md): 15-year fixed mortgages drop to record low of 2.1%
- [Will lenders refund fees paid for a market downturn that never materialized?](http://www.mortgagegrader.com/blog/will-lenders-refund-fees-paid-for-a-market-downturn-that-never-materialized.md): Will lenders refund fees paid for a market downturn that never materialized?
- [Ten steps than can improve housing affordability](http://www.mortgagegrader.com/blog/ten-steps-than-can-improve-housing-affordability.md): Ten steps than can improve housing affordability
- [Prequalified And Pre-approved: What's the Difference?](http://www.mortgagegrader.com/blog/prequalified-and-pre-approved-whats-the-difference.md): If you're thinking about buying a home, then you've probably heard the terms 
- [Zero-down mortgages are back a decade after mortgage meltdown](http://www.mortgagegrader.com/blog/zero-down-mortgages-are-back-a-decade-after-mortgage-meltdown.md): Zero-down mortgages are back a decade after mortgage meltdown
- [Can a 40-year mortgage save failing borrowers?](http://www.mortgagegrader.com/blog/can-a-40-year-mortgage-save-failing-borrowers.md): Can a 40-year mortgage save failing borrowers?
- [Learn About Deducting Mortgage Interest From Your Taxes](http://www.mortgagegrader.com/blog/learn-about-deducting-mortgage-interest-from-your-taxes.md): Read on to learn what a mortgage deduction is, how much you can reduce from your taxable income, and how you can take advantage of this tax incentive.
- [FHA or VA Loan: Which is Better For Veterans?](http://www.mortgagegrader.com/blog/fha-or-va-loan-which-is-better-for-veterans.md): When it comes down to it, what is the best -- FHA loans or VA loans? This article will help you understand and make an informed decision on which loan is best for you. 
- [Exploring The Pros and Cons Of An Interest-Only Mortgage Loan](http://www.mortgagegrader.com/blog/exploring-the-pros-and-cons-of-an-interest-only-mortgage-loan.md): An interest-only mortgage starts with payments that only pay down the mortgage interest. Generally, this makes your monthly payments lower than a typical mortgage payment. 
- [Buyer beware: Appraisers bidding up fees after loan applications](http://www.mortgagegrader.com/blog/buyer-beware-appraisers-bidding-up-fees-after-loan-applications.md): Buyer beware: Appraisers bidding up fees after loan applications
- [New Credit And How It Affects Your Credit Score](http://www.mortgagegrader.com/blog/all-about-new-credit-and-how-it-affects-your-credit-score.md): If you're applying for a home loan within the next few months and considering taking out a loan or applying for new credit before then, you'll want to get the facts.
- [Fed’s Decision to Keep Interest Rates Low May Sink Home Prices in 2022](http://www.mortgagegrader.com/blog/feds-decision-to-keep-interest-rates-low-may-sink-home-prices-in-2022.md): Fed’s decision to keep interest rates low may sink home prices in 2022
- [All About Liens and Home Loans](http://www.mortgagegrader.com/blog/all-about-liens-and-home-loans.md): A lien is a property right someone else has on your property and gives the lienholder legal power to take your property as compensation if you default on your payments or break the contract terms.
- [Self-employed borrowers still struggle to qualify for government-backed loans](http://www.mortgagegrader.com/blog/self-employed-borrowers-still-struggle-to-qualify-for-government-backed-loans.md): Self-employed borrowers still struggle to qualify for government-backed loans
- [Is Buying A Home With Bad Credit A Smart Choice?](http://www.mortgagegrader.com/blog/is-buying-a-home-with-bad-credit-a-good-idea.md): Have less-than-optimal credit? That doesn't necessarily mean you have to put your dreams of homeownership on pause.
- [HUD issues mortgage underwriting rules favoring temporary foreign workers](http://www.mortgagegrader.com/blog/hud-issues-mortgage-underwriting-rules-favoring-temporary-foreign-workers.md): HUD issues mortgage underwriting rules favoring temporary foreign workers
- [Is Buying A Home Without Real Estate Agent A Good Idea?](http://www.mortgagegrader.com/blog/is-buying-a-home-without-real-estate-agent-a-good-idea.md): Here's what you need to know about working with an agent and how to go about purchasing a home without one should you choose to.
- [Credit scores don’t predict mortgage default risk](http://www.mortgagegrader.com/blog/credit-scores-dont-predict-mortgage-default-risk.md): Credit scores don’t predict mortgage default risk
- [How Does A Home Equity Line Of Credit (HELOC) Work?](http://www.mortgagegrader.com/blog/how-does-a-home-equity-line-of-credit-heloc-work.md): A home equity line of credit (HELOC) is a type of mortgage loan that acts similar to a credit card, except the line of available credit is tied to your home's equity.
- [30-year mortgage rates may climb to 3.5% by year end](http://www.mortgagegrader.com/blog/30-year-mortgage-rates-may-climb-to-35-by-year-end.md): 30-year mortgage rates may climb to 3.5% by year end
- [Does Getting Preapproved For A Home Loan Matter?](http://www.mortgagegrader.com/blog/does-getting-preapproved-for-a-home-loan-matter.md): But despite this stiff competition, it's still a great time to buy! Here are the top advantages of getting preapproved for a mortgage before getting serious about shopping for a home. 
- [Fannie and Freddie face price competition from mortgage investors](http://www.mortgagegrader.com/blog/fannie-and-freddie-face-price-competition-from-mortgage-investors.md): Fannie and Freddie face price competition from mortgage investors
- [What Does A Title Company Do?](http://www.mortgagegrader.com/blog/what-does-a-title-company-do.md): In this blog, we'll go over how a title company determines legal ownership and the process of transferring the title. 
- [Fannie, Freddie shrink mortgage menu during COVID](http://www.mortgagegrader.com/blog/fannie-freddie-shrink-mortgage-menu-during-covid.md): Fannie, Freddie shrink mortgage menu during COVID
- [What Is A Second Mortgage and Its Benefits?](http://www.mortgagegrader.com/blog/what-is-a-second-mortgage-and-its-benefits.md): When you get a second mortgage, you use your home as collateral to gain access to cash locked up in the value of your home. 
- [Creative mortgages can help elderly parents keep their homes](http://www.mortgagegrader.com/blog/creative-mortgages-can-help-elderly-parents-keep-their-homes.md): Creative mortgages can help elderly parents keep their homes
- [Get the Facts About Escrow Shortages](http://www.mortgagegrader.com/blog/get-the-facts-about-escrow-shortages.md): An escrow account is for making payments toward your real estate fees like taxes and insurance. It helps make these fees more manageable through monthly installments rather than paying a large lump sum when these bills are due.
- [First-time homebuyers are getting outbid by big companies](http://www.mortgagegrader.com/blog/first-time-homebuyers-are-getting-outbid-by-big-companies.md): First-time homebuyers are getting outbid by big companies
- [The Basics of Buying A Foreclosed Home](http://www.mortgagegrader.com/blog/the-basics-of-buying-a-foreclosed-home.md): Curious about buying a foreclosed home? Here's what you need to know to get started. 
- [Fannie adjustables dive to 1.75% for first 5-10 years](http://www.mortgagegrader.com/blog/fannie-adjustables-dive-to-175-for-first-5-10-years.md): Fannie adjustables dive to 1.75% for first 5-10 years
- [Your Guide to Refinancing Your Condo](http://www.mortgagegrader.com/blog/your-guide-to-refinancing-your-condo.md): A condo refi is similar to refinancing any other home. The lender will look at your income, assets, and credit to ascertain your qualification. Plus, the condo will also be appraised to determine the property value.  However, since there are more variables when refinancing a condo, such as shared amenities, lenders usually conduct a condo review.
- [Agency plan would postpone foreclosures until 2022](http://www.mortgagegrader.com/blog/agency-plan-would-postpone-foreclosures-until-2022.md): Agency plan would postpone foreclosures until 2022
- [Home Inspection 101: A Homebuyer’s Guide](http://www.mortgagegrader.com/blog/home-inspection-101-a-homebuyers-guide.md): Let's take a closer look at the home inspection process so you know what to expect, and what the inspection does and does not include. 
- [How much higher can home prices go?](http://www.mortgagegrader.com/blog/how-much-higher-can-home-prices-go.md): How much higher can home prices go?
- [How To Remove Mortgage Insurance From Your Home Loan](http://www.mortgagegrader.com/blog/how-to-remove-mortgage-insurance-from-your-home-loan.md): Read this post to learn the factors that determine if and when you can get rid of your mortgage insurance. 
- [5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)](http://www.mortgagegrader.com/blog/5-best-renovations-to-increase-your-homes-value-plus-3-worst.md): While some remodeling projects add value to your home, others do little to increase it and may even make your home less desirable to potential homebuyers.
- [Secrets to Winning A Bidding War In Real Estate](http://www.mortgagegrader.com/blog/secrets-to-winning-a-bidding-war-in-real-estate.md): Low supply happens when there's an abundance of buyers but not enough houses for all of them. Many call it a 
- [New FHA Loan Limits for 2021](http://www.mortgagegrader.com/blog/new-fha-loan-limits-for-2021.md): New FHA loan limits were recently announced, which is good news for home buyers and those looking to refinance their current loans.
- [Does Buying A House Help Raise Your Credit Score?](http://www.mortgagegrader.com/blog/does-buying-a-house-help-raise-your-credit-score.md): Does buying a house help or hurt your credit score? Read to find out. 
- [First-Time Home Buyers Must Avoid These Mistakes](http://www.mortgagegrader.com/blog/first-time-home-buyers-must-avoid-these-mistakes.md): Read and share this article with other first-time home buyers to help them spot these common errors before making them. 
- ["How Long Does It Take To Purchase a Home?"](http://www.mortgagegrader.com/blog/how-long-does-it-take-to-purchase-a-home.md): Let's take a closer look at the homebuying timeline so that you can better prepare for the exciting transition.
- ["Is a Home Equity Loan Right For Me"](http://www.mortgagegrader.com/blog/is-a-home-equity-loan-right-for-me.md): In this article, you'll learn what home equity loans are and how to qualify. 
- [What Do Fannie Mae And Freddie Mac Actually Do?](http://www.mortgagegrader.com/blog/what-do-fannie-mae-and-freddie-mac-actually-do.md): In this article, you'll learn how the two companies operate and how they impact the mortgage market.
- [Earnest Money Deposit Versus Good Faith Deposit: What's The Difference?](http://www.mortgagegrader.com/blog/earnest-money-deposit-versus-good-faith-deposit-whats-the-difference.md): Today, we want to focus on costs called 
- [Helpful Hints For Buying A New Condo From A Developer](http://www.mortgagegrader.com/blog/helpful-hints-for-buying-a-condo-from-a-developer.md): Are you thinking about making an offer on a new condo construction? Read this article to find out some helpful tips.
- [What Are Origination Fees and Can They Be Avoided?](http://www.mortgagegrader.com/blog/what-are-origination-fees-and-can-they-be-avoided.md): An origination fee is part of the multi-step process of getting a loan and includes the cost of processing the application, underwriting, and financing the loan. The lender may combine the fees into one charge or may list each one individually.
- [What Every Homebuyer Needs to Know About Home Sale Contingencies](http://www.mortgagegrader.com/blog/what-every-homebuyer-needs-to-know-about-home-sale-contingencies.md): A contingent offer is an offer that has been accepted with the final sale depending on meeting specific criteria. What sort of criteria? That's what this article will explain.
- [Your Guide to Managing Your Credit Score](http://www.mortgagegrader.com/blog/your-guide-to-managing-your-credit-score.md): Here is everything you need to become an expert at managing your credit.
- [Should You Buy Property in the City or Suburbs in 2021? ](http://www.mortgagegrader.com/blog/should-you-buy-property-in-the-city-or-suburbs-in-2021.md): Trying to decide an urban or suburban life? Before hastily deciding which option is better, let's take a closer look at life in each of these settings. 
- [Regulator ends debt-ratio standard for mortgage approvals](http://www.mortgagegrader.com/blog/regulator-ends-debt-ratio-standard-for-mortgage-approvals.md): Regulator ends debt-ratio standard for mortgage approvals
- [COVID pandemic helps push mortgage rate down 35% in 2 years](http://www.mortgagegrader.com/blog/covid-pandemic-helps-push-mortgage-rate-down-35-in-2-years.md): COVID pandemic helps push mortgage rate down 35% in 2 years
- [Pandemic making it harder for self-employed borrowers to get a mortgage](http://www.mortgagegrader.com/blog/pandemic-making-it-harder-for-self-employed-borrowers-to-get-a-mortgage.md): Pandemic making it harder for self-employed borrowers to get a mortgage
- [High-balance loan limits to soar to record $822,375 in 2021](http://www.mortgagegrader.com/blog/high-balance-loan-limits-to-soar-to-record-822375-in-2021.md): High-balance loan limits to soar to record $822,375 in 2021
- [PROP 19 CREATES CONFOUNDING QUESTIONS, GOTCHA RULES   ](http://www.mortgagegrader.com/blog/prop-19-creates-confounding-questions-gotcha-rules.md): PROP 19 CREATES CONFOUNDING QUESTIONS, GOTCHA RULES   
- [Bidding wars, outdated appraisals hamstring first-time homebuyers](http://www.mortgagegrader.com/blog/bidding-wars-outdated-appraisals-hamstring-first-time-homebuyers.md): Bidding wars, outdated appraisals hamstring first-time homebuyers
- [Volatile coronavirus and no stimulus means lower mortgage rates ahead](http://www.mortgagegrader.com/blog/volatile-coronavirus-and-no-stimulus-means-lower-mortgage-rates-ahead.md): Volatile coronavirus and no stimulus means lower mortgage rates ahead
- [New mortgages predicted to break all-time record in 2021](http://www.mortgagegrader.com/blog/new-mortgages-predicted-to-break-all-time-record-in-2021.md): New mortgages predicted to break all-time record in 2021
- [Reverse mortgages available to borrowers as young as 60](http://www.mortgagegrader.com/blog/reverse-mortgages-available-to-borrowers-as-young-as-60.md): Reverse mortgages available to borrowers as young as 60
- [Laguna Woods co-op ends decade-long lender monopoly](http://www.mortgagegrader.com/blog/laguna-woods-co-op-ends-decade-long-lender-monopoly.md): Laguna Woods co-op ends decade-long lender monopoly
- [Southern California mortgage brokers suspected in fraudulent loan applications](http://www.mortgagegrader.com/blog/southern-california-mortgage-brokers-suspected-in-fraudulent-loan-applications.md): Southern California mortgage brokers suspected in fraudulent loan applications
- [Are banks trying to squeeze out mortgage brokers? ](http://www.mortgagegrader.com/blog/are-banks-trying-to-squeeze-out-mortgage-brokers.md): Are banks trying to squeeze out mortgage brokers? 
- [Tips for landlords going without rental income](http://www.mortgagegrader.com/blog/tips-for-landlords-going-without-rental-income.md): Tips for landlords going without rental income
- [Why are the lowest mortgage rates so hard to capture? ](http://www.mortgagegrader.com/blog/why-are-the-lowest-mortgage-rates-so-hard-to-capture.md): Why are the lowest mortgage rates so hard to capture? 
- [Borrower distress is opening opportunities for private mortgage investing](http://www.mortgagegrader.com/blog/borrower-distress-is-opening-opportunities-for-private-mortgage-investing.md): Borrower distress is opening opportunities for private mortgage investing
- [How many refinances are you allowed during a pandemic?](http://www.mortgagegrader.com/blog/how-many-refinances-are-you-allowed-during-a-pandemic.md): How many refinances are you allowed during a pandemic?
- [Coming soon to your refi: A half-point fee that could add $2,500 or more to costs](http://www.mortgagegrader.com/blog/coming-soon-to-your-refi-a-half-point-fee-that-could-add-2500-or-more-to-costs.md): Coming soon to your refi: A half-point fee that could add $2,500 or more to costs
- [Will home values tank post pandemic? ](http://www.mortgagegrader.com/blog/will-home-values-tank-post-pandemic.md): Will home values tank post pandemic? 
- [Survival for some mom and pop landlords hangs in the balance](http://www.mortgagegrader.com/blog/survival-for-some-mom-and-pop-landlords-hangs-in-the-balance.md): Survival for some mom and pop landlords hangs in the balance
- [Self-employed landlords battle harder for home-loan approvals](http://www.mortgagegrader.com/blog/self-employed-landlords-battle-harder-for-home-loan-approvals.md): Self-employed landlords battle harder for home-loan approvals
- [Super-low mortgage rates: A blessing or ominous sign of next housing downfall?  ](http://www.mortgagegrader.com/blog/super-low-mortgage-rates-a-blessing-or-ominous-sign-of-next-housing-downfall.md): Super-low mortgage rates: A blessing or ominous sign of next housing downfall?  
- [720 mortgage companies took PPP money, claiming jobs saved](http://www.mortgagegrader.com/blog/720-mortgage-companies-took-ppp-money-claiming-jobs-saved.md): 720 mortgage companies took PPP money, claiming jobs saved
- [How soon will fixed mortgage rates fall below 2%?](http://www.mortgagegrader.com/blog/how-soon-will-fixed-mortgage-rates-fall-below-2.md): How soon will fixed mortgage rates fall below 2%?
- [Will foreclosures explode once the moratorium is lifted?](http://www.mortgagegrader.com/blog/will-foreclosures-explode-once-the-moratorium-is-lifted.md): Will foreclosures explode once the moratorium is lifted?
- [Banks should match rate discounts for low-wealth Blacks  ](http://www.mortgagegrader.com/blog/banks-should-match-rate-discounts-for-low-wealth-blacks.md): Banks should match rate discounts for low-wealth Blacks  
- [How to boost Black homeownership rates](http://www.mortgagegrader.com/blog/how-to-boost-black-homeownership-rates.md): How to boost Black homeownership rates
- [Self-employed borrowers face new scrutiny from Fannie, Freddie](http://www.mortgagegrader.com/blog/self-employed-borrowers-face-new-scrutiny-from-fannie-freddie.md): Self-employed borrowers face new scrutiny from Fannie, Freddie
- [Risky mortgages back 10 weeks after dramatic crash](http://www.mortgagegrader.com/blog/risky-mortgages-back-10-weeks-after-dramatic-crash.md): Risky mortgages back 10 weeks after dramatic crash
- [Virus-impacted borrowers missing out on today’s record-low rates](http://www.mortgagegrader.com/blog/virus-impacted-borrowers-missing-out-on-todays-record-low-rates.md): Virus-impacted borrowers missing out on today’s record-low rates
- [Wraparound mortgages can help home sellers boost their prices](http://www.mortgagegrader.com/blog/wraparound-mortgages-can-help-home-sellers-boost-their-prices.md): Wraparound mortgages can help home sellers boost their prices
- [Cash-out refinancing, home equity lending may come to a halt ](http://www.mortgagegrader.com/blog/cash-out-refinancing-home-equity-lending-may-come-to-a-halt.md): Cash-out refinancing, home equity lending may come to a halt 
- [California homeowners can get up to 10 months to make up missed payments or sell](http://www.mortgagegrader.com/blog/california-homeowners-can-get-up-to-10-months-to-make-up-missed-payments-or-sell.md): California homeowners can get up to 10 months to make up missed payments or sell
- [Borrowers risk losing their homes as unpaid mortgage bills pile up](http://www.mortgagegrader.com/blog/borrowers-risk-losing-their-homes-as-unpaid-mortgage-bills-pile-up.md): Borrowers risk losing their homes as unpaid mortgage bills pile up
- [How to navigate mortgage application landmines during a pandemic](http://www.mortgagegrader.com/blog/how-to-navigate-mortgage-application-landmines-during-a-pandemic.md): How to navigate mortgage application landmines during a pandemic
- [Will mortgage servicers get a Hail Mary line of credit like borrowers?](http://www.mortgagegrader.com/blog/will-mortgage-servicers-get-a-hail-mary-line-of-credit-like-borrowers.md): Will mortgage servicers get a Hail Mary line of credit like borrowers?
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