Category: Updates

• August 14, 2025
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• realestatelife

Getting 200–300 unsolicited calls after a mortgage credit pull isn’t just annoying — it’s abusive. Thankfully, that’s about to change. The Trigger Lead Bill is headed to the President’s desk to be signed into law. For years, credit bureaus have sold your data the moment your credit was pulled for a home loan. That meant

• March 5, 2026
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• realestatelife

800.230.0168 Company805.530.1199 Direct Line to CEO Today’s Featured Rates & Programs Updated: Thursday, March 5, 2026Broker / Discount Fee: 0–1.000% | Lock Period: 30 DaysBase Loan Example: $832,750 | Down Payment Assumed: 20% (Non-FHA/VA)Credit Score Tiers: Excellent (740+), Good (700–739), Fair (680–699) Conforming Loans (Up to $832,750) Term Interest Rate APR 30-Year Fixed 5.750% 5.997%

• March 5, 2026
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• realestatelife

 March 7th and March 8th Weekend Spring Forward Into Smarter Financing Does Your Lender HaveYour Best Interest in Mind? If not, it’s time for a change. Join Host Michael Harris online Daylight Savings weekend to learn how to save money on your loans and improve your financial future. This Saturday at 9:00 am PST on

• May 7, 2023
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• realestatelife

The Federal Housing Finance Agency (FHFA) has updated Loan Level Price Adjustments (LLPAs), which are risk assessment fees implemented in the underwriting process before loans are packaged and delivered to Fannie Mae and Freddie Mac. These government Enterprises guarantee most mortgages in the United States, and the changes (announced in January) went into effect May

• January 5, 2023
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• realestatelife

Hiring by U.S. companies picked up steam in December, a sign the jobs market remains healthy even in the face of steep Federal Reserve interest rate hikes, according to the ADP National Employment Report released Thursday morning. Companies added 235,000 jobs last month, easily beating the 150,000 gain that economists surveyed by Refinitiv had predicted.

• October 27, 2022
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• realestatelife

The Internal Revenue Service today announced the tax year 2023 annual inflation adjustments for more than 60 tax provisions, including the tax rate schedules and other tax changes. Revenue Procedure 2022-38PDF provides details about these annual adjustments. New for 2023 The Inflation Reduction Act extended certain energy related tax breaks and indexed for inflation the energy efficient

• October 9, 2022
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• realestatelife

Labor Department data released Friday morning showed the US economy added 263,000 jobs in September, a slower pace than the previous month but probably not enough for those who want the Fed to pause sooner rather than later. Industry expert Barry Habib had the following gleanings from the household survey. Remember, the household survey is

• October 7, 2022
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• realestatelife

Jobs, Jobs, Jobs: Its Big Jobs Friday! You can read the official BLS release here. Here is the Tale of the Tape: Jobs: September Non Farm Payrolls (NFP) increased by 263K vs. est. of 250K August NFP remained at 315K July NFP revised from 526K upward to 537K The rolling 3 month moving average is

• September 14, 2022
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• realestatelife

New 2023 conforming loan limits won’t be released until November … but we’re honoring them now for conventional loans locked, starting September 7th for FNMA, FHLMC, and VA. $715,000 for regular one-unit conventional / VA loans (increased from $647,200) $1,073,000 for regular one-unit conventional / VA loans in high-cost counties and in AK and HI (increased

• September 16, 2022
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• realestatelife

When you’re buying a house, sorting out funding is often more challenging than finding the perfect home. From saving for a down payment to securing financing to managing your obligation long-term, there’s a lot of decision-making to be done. To kick off your research, here are some outside-the-box ideas from Your Real Estate Life /