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I understand that the article didn't say free money for folks with no FICO, low income and less down payment, but once can see that they are trying very hard to accommodate these groups of folks who generally are not ready or can afford to purchase homes.  That was my point. 

1) "Fannie Mae officials on Monday said that in 2016 they would begin to allow lenders to evaluate borrowers without a score through the automated process. " 2) & 3) "Certain minority groups have had an especially hard time getting loans in recent years, in part because those groups also tend...

My big question is this. How do Credit Score Companies, like Equifax have my income information?  Is this with SSN?  Also I thought FICO doesn't depend on how much you make??? No FICO score, low income, less money for down payment, counting income from "extended" family members, all welcome!!!

I know it's not Irvine specific article, but since Irvine Real Estate section is the most active... http://www.wsj.com/articles/need-a-home-mortgage-fannie-says-forget-the-pay-stubs-1445333580?mod=yahoo_hs Need a Home Mortgage? Fannie Says Forget the Pay Stubs Move is expected to make process...

BTW, we didn't buy Ellwood.  If I buy anything this year or within 1, 2 years, I should not worry about price movement in short term.  I should be prepare for price decrease and plan to be there for 7, 10 years or more. I would consider buying now opposed to 3 to 5 years later (when/if price...

Agree. I'm not surprised.  I'm just pointing out the fact that it's not going up $15k every phase and it's not selling like hot cakes as many have written here and told me...

I guess I can scan the price sheet that I got on last Sunday.  It doesn't have lot specific info and I didn't bother asking the sale person since she was very uninterested and just handed me that paper, but yes, I agree with you that $5k drop is meaning less on $800k houses.  However, my point...

Yes, I thought I misread the numbers but DrTravel scanned the price sheet that he/she got and it was $4k and $5k drops for Nathaniel and Nolan.  Nash is the smallest and in between model but maintained price little better... To me Nash is best in layout but that's just my thing...

I got the price sheet on Sunday 9/27/15 following is previous prices that I found from this thread                         Phase1          8/28/15        9/25/15          9/27/15      Nash                $790,900    $816,490      $818,990        $818,490    Nathaniel        $813,990   ...

Thanks peppy.  I knew about that 60 day notice for 10% or higher hike.

Thanks for the feedback especially paperboy.

Thanks for the info. Would you mind if I asked you what the requirements were for pre-qual for 1.3 to 1.5 million dollar house?  Did you have a lot of cash for down payment from previous sale of your home or did you transfer cash from oversea? The reason I'm asking is that our income level has...

Thank you in advance for your feedback.

Ellwood model homes were nice but they had drive way and premium lots... those are gone so smaller back yard and no drive way.  Do you guys think future phase will attract as much interest?  I notice other model houses were not as busy as Ellwood a couple of weeks ago.  How are the sales now? ...

IUSD did for all kids.  I had a 9th grade in traditional schedule and one in all around middle school.  They took the entire Thanksgiving off but not this year...

This may sound crazy in IUSD, but did anyone take a middle or high school kid out of school to go on a family vacation (somethin worthwhile like different culture, exploring natural beauty, not lounging at a resort pool or getting rides at amusement parks)?  I know it depends on a kid and...

Thank you for all your comments.  Believe me. I don't want to spend any money and don't like any "parties" too much myself.  I don't want to throw an extravagant party for her.  It's just that I want to make sure shs's not having any other issues, and not wanting to have a party is a result of...

I have a daughter who will be 16 years old this summer.  Unlike other girls, however, she doesn't want any party.  She has plenty of friends at school and church, but doesn't want anything except a small goft. is this so.ewhat normal for certain teenagers or should I be worried? I thought...

I agree with you but was hoping something little more serious...

Here is new topic.  Any experiences, feedback, and opinions on SAT prep companies in Irvine would be appreciated.  I know they are expensive but also heard a lot of "success" stories.  I mean if I need to spend $2000 over the summer for my kid to raise the score by a few 100 points on SAT...