The FHFA has proposed a second, state-specific g-fee increase. Mortgage rates are expected to rise by as much as 0.625%.

2013 conforming and jumbo loan limits vary by county. New rules grants loan size exceptions up to $729,750.

Mortgage underwriting may be strict, but there's no magic formula for getting approved. Satisfy the Mortgage Income-Equity-Credit Triangle.

FHA loan limits now exceed conventional loan limits in some high-cost areas. As of November 18, 2011, the FHA will insure up to $729,750. Fannie Mae and Freddie Mac cap at $625,500.

A lot of ARMs from 5 and 7 years ago are adjusting lower these days -- not higher. It's because ARM resets are math-based and the math is more favorable for borrowers than at any time in history.