Here is the scatter charts for Ventura County for June and July. Clearly FHA is gaining in popularity and taking over market share. The loans "at risk" for tightening are the blue dots between 80% and 100% LTV these are the ones affected by mortgage insurers guideline changes. The one issue affecting FHA is seller funded down payment assistance went away October 1st and was very popular. The mortgage insurers are still tightening especially in the main bubble markets like Florida and California.
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