Unpaid water bills could begin leading to shutoff in Santa Ana again

• May 30, 2024

Amid the economic woes of the coronavirus pandemic, Santa Ana placed an emergency moratorium on shutting off the water of those who got behind on paying for the utility and now that it is set to resume it will be with more leniency than in the past.

The moratorium was a financial lifeline many cities threw to struggling residents and most had already resumed shutoffs. Santa Ana officials said many of the federal and state programs the city was participating in to help with costs had limited funding and have either expired or are set to soon.

The city provides water to more than 45,000 residential and commercial customers, city staffers said in a report to the City Council. “The costs associated with providing such water continually increase and it is the timely payment of water bills that help ensure the city’s water supply is well-maintained and funded for future operation.”

Previously, the city’s code required 30 days notice before water services could be shut off for households that fell behind on their water bill, but now that time would be doubled to follow a state law adopted in 2018 that requires at least 60 days notice before a household’s water supply can be turned off. More communication about delinquent payments is also required.

“This is actually going to make it much more friendly for the public, or for the customers, to have more time to come current with their bill before a shutoff,” Kathryn Downs, the city’s executive director of finance and management services, said during a recent City Council discussion on changing the local rules.

Councilmember Johnathan Hernandez said the new procedures would ensure that residents have added protections.

State law requires that local municipalities adopt a written policy on the discontinuation of water service, post the water shutoff policy online and refrain from shutting off water service in cases of serious threat to life, health and safety of residents with severe financial hardship.

It also mandates that the city provide advance notice of looming shutoffs for nonpayment, offer an appeals process and offer the opportunity to arrange for alternate payment schedules or other accommodations.

Councilmember Jessie Lopez asked that staff advertise the changes on social media channels.

A final version of the proposed new city ordinance reflecting the state’s requirements is expected to return to the council at its June 4 meeting and if passed is expected to go into effect July 4. Delinquency notices could start going out to residents behind on their water bills as soon as August.

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​ Orange County Register 

Irvine man who firebombed Planned Parenthood clinic gets 6 years in prison

• May 30, 2024

An Irvine man who firebombed a Planned Parenthood clinic in Costa Mesa and plotted but did not carry out attacks at an electrical substation in Orange and at Dodger Stadium during an LGBTQ pride event was sentenced Thursday to six years in federal prison.

Tibet Ergul, pleaded guilty earlier this year to one felony count of conspiracy to damage an energy facility and one misdemeanor account of intentional damage to a reproductive health services facility. Two co-defendant’s of Ergul also accepted plea deals and have been sentenced to prison time.

In the early morning hours of March 12, 2022, Ergul and Chance Brannon — a 24-year-old from San Juan Capistrano who at the time was an active-duty Marine — ignited a Molotov cocktail and threw it against the front door of the Costa Mesa Planned Parenthood Clinic.

The two men — who were wearing masks — ran off as the flames spread from a wall next to the clinic door up to the ceiling. Firefighters quickly extinguished the blaze without injury. But damage from the fire forced the clinic to cancel around 30 appointments the following day.

A $25,000 reward for information was offered by federal officials. A tipster provided the FBI with a text message in which Ergul allegedly admitted to his role in the firebombing.

A search of Ergul and Brannon’s digital devices led them to Xavier Batten, a 21-year-old Florida resident. Brannon and Ergul chose to target the clinic and obtained the necessary materials, prosecutors alleged, while Batten offered them advice on how to construct the Molotov cocktail and urged them to carry out the attack.

Ergul and Brannon wanted to “make a statement about abortion” and “scare pregnant women away from obtaining abortions,” as well as “deter doctors, staff and employees at the clinic from providing abortions,” prosecutors wrote in court filings.

In June 2022, shortly after the U.S. Supreme Court decision overturning Roe V. Wade, the pair planned a second firebomb attack against another Planned Parenthood clinic in an unnamed location, but abandoned their efforts after seeing law enforcement near the facility, prosecutors said.

As part of his plea deal, Ergul admitted he and Brannon planned two other attacks, but did not carry them out prior to their arrests.

Ergul acknowledged that he sent someone an aerial photograph of a Southern California Edison electrical substation in Orange and suggested doing a “drive-thru at 3 a.m.” The pair wanted to damage the substation in order to debilitate Orange County’s power grid, prosecutors wrote.

And Ergul admitted that he and Brannon discussed and researched attacking the parking lot or electrical room at Dodger Stadium on a night where the team was celebrating LGBTQ pride. They looked into constructing a device that could be detonated remotely, exchanged “sabotage manuals,” and discussed carrying out “dry runs” in order to “case the stadium,” according to Ergul’s plea deal.

The two men were arrested two days before a scheduled “Pride Night” at Dodger Stadium.

Ergul, in his plea deal, also admitted to sending Brannon a letter in which he wrote of a desire to murder politicians and journalists. He wrote in that letter, “The rifle is in a box in my room waiting to be used in the upcoming race war,” prosecutors said.

“This defendant’s hatred toward others led him to plotting and carrying out violence,” United States Attorney Martin Estrada wrote in a statement following Ergul’s sentencing. “We will not allow bigoted intolerance to divide us.”

U.S. District Judge Cormac Carney, who sentenced him, said the defendant wasn’t as “culpable” as Brannon, who was the ringleader of the attacks. “Clearly, Mr. Brannon had an adverse influence on Mr. Ergul,” the judge said.

Ergul, who emigrated from Turkey, struggled to blend into Newport Beach, Carney said.

“He did not fit well with the teenagers in Newport Beach and was bullied,” he said. He also suffers from bipolar disorder, depression, an anxiety disorder and ADHD, the judge added.

Carney praised Ergul for attending classes and participating in self-help programs while in custody.

“I want you to know I am ashamed,” Ergul told Carney. “This country gave me everything. … I wouldn’t have had back in Turkey and I squandered it all.” He added that he regretted doing something that “divided” people.

“I want to take responsibility for my actions,” he said. “I know what I did was wrong … I was educated, I had intelligence, I thought I was being a productive member of society. But I just pushed it all away with my hate.”

Ergul apologized “to the government, to my victims … and all the women and doctors and staff at Planned Parenthood,” he said. He also apologized to his family. “I really want to continue my life and make my parents proud of me again,” Ergul said.

He asked to be sent to a prison where he can continue his education and to participate in a drug rehabilitation program. Carney made a recommendation for him, noting how his drug addiction factored into his behavior in the crimes.

Carney told the him, “Obviously, you have great potential the way you write and speak … It’s never too late to turn yourself around and redeem yourself.”

Noting the defendant’s father flew in from Turkey for Thursday’s hearing, Carney said, “Mr. Ergul, in a way you’re a very fortunate man. Despite what you did there are people who love you very much to come to this hearing … It’s a testament to their love for you.”

Ergul still faces domestic violence charges in Arizona, where he attacked a roommate while under the influence of LSD, Carney said.

Last month, Brannon was sentenced to nine years in federal prison. Earlier this month, Batten was sentenced to three and a half years behind bars.

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​ Orange County Register 

Horse racing: Frankie Dettori’s ‘bizarre’ ride may lead back here

• May 30, 2024

ARCADIA — Frankie Dettori said so long, arrivederci and au revoir to Santa Anita on Monday as horse racing’s globetrotting superstar rode here for probably the last time this season before moving on to his next midlife adventure.

In any of the languages the Italian-born jockey gets along in, it’s not goodbye, it’s see you later.

After putting off a planned retirement, moving from England to the United States and competing at Santa Anita this winter and spring, Dettori now says he wants to keep going through 2025 and may be back in Arcadia for the 2024-25 season.

“I can’t see too far in the future,” Dettori said as he walked from trackside to the jockeys’ room, cheerful as ever despite just having finished next to last in a maiden race. “But I’m going back to the East Coast for the Belmont (Stakes) weekend at Saratoga. I’ll fly back (to England) that night for my daughter’s wedding. And then, I would say, at the moment, I’m 90% sure that I’m going to Saratoga for the meet.

“Obviously there’s big races at Del Mar, so don’t be surprised if I fly in for the odd day. And then, in the fall, I don’t know.”

He’ll be at the Breeders’ Cup at Del Mar on Nov. 1-2.

“There’s a good possibility that I come back (to Santa Anita) next winter,” Dettori said. “I really enjoyed it.”

If it’s tiring for a mere mortal to listen to Dettori’s tentative itinerary, it seems to invigorate the 53-year-old race-riding legend who’s doing all that travel, sustained as he is by thoughts of new places for him and his wife Catherine to see, tracks to try out, jockeys to test himself against.

It has been one of the pleasures of the Santa Anita season that ends June 16 to watch Dettori ride here, knowing that the man who has won the biggest events in almost every racing nation, who would be welcome at any track in the world, chose this as the place to be.

After announcing in December 2022 that he’d retire after 2023, he came to Santa Anita for what was expected to be a winding-down of his career. But owners and trainers still gave him good horses and he still rode them well, finishing third in wins at the 2022-23 Santa Anita meet. He was back in the fall for the Breeders’ Cup at Santa Anita, winning the Filly & Mare Turf aboard Inspiral.

This year, he was fourth in the Santa Anita standings with 34 wins (21% of starts) during the Dec. 26-April 7 “Classic Meet” stretch of the track’s calendar. The wins included his first Santa Anita Handicap, with Newgate, and a Santa Anita record-tying six winning rides in a row on Santa Anita Derby day. The Big ‘Cap win occasioned one of Dettori’s trademark flying dismounts.

Frankie Dettori jumps for joy after guiding Newgate to victory in the Santa Anita Handicap on March 3, 2024, at Santa Anita Park. (Benoit Photo)

Just as amazing is seeing Dettori – through agent Ron Anderson – accepting mounts on cheaper, non-stakes horses.

“He’ll ride a stakes race, and then he’ll ride a claiming race, and he rides just as hard,” Bob Baffert, who trains Newgate, marveled. “He loves what he does and he’s very competitive. He might be funny (and have) the personality, but he wants to compete.

“A lot of (winners), he just wills ’em in.”

After Dettori announced his intended retirement, he was honored in England by a statue (unveiled by Queen Camilla) at Ascot, where he rode all seven winners on a card in 1996, and a mural covering one end of the grandstand at Epsom Downs, where he won English Derbies with Authorized in 2007 and Golden Horn in 2015. He says the honors and ceremonies were one reason he opted to go to America. He feared he’d “insult” Britain by continuing to ride there.

In California, he’s recognized rarely outside the racetrack.

“Only by the Brits!” he says. “It’s actually a good thing. When I’m in England, I’m forever looking over my shoulder. In fairness, they’re (fans) all nice. But you feel like you’re being watched the whole time. I get this sense of freedom here. Soccer players coming here, the (David) Beckhams, kind of feel the same.”

Santa Anita feels like home, in a way, since Dettori rode here at the start of his career in the 1980s, learning from Hall of Famers Bill Shoemaker, Laffit Pincay, Chris McCarron, Eddie Delahoussaye and Gary Stevens.

Standing on the path to the Santa Anita jockeys’ room, he turned and looks at the paddock gardens and the nearly 90-year-old grandstand like a man beholding Sophia Loren.

“It’s stunning,” he said. “I’m so lucky to be able to ride (here).”

Now he’s off. To Penn National, in Grantville, Pennsylvania, to ride First World War in Friday’s Penn Mile. To Monmouth Park, in Oceanport, N.J., to ride Twirling Point in Saturday’s Jersey Derby. Then to Saratoga, in upstate New York, where the Belmont Stakes is being held June 8 while Belmont Park is renovated; Dettori didn’t have a Belmont mount as of Thursday, and a win in a U.S. Triple Crown race remains a rare miss on his worldwide to-do list.

At Saratoga’s main summer meet, Dettori’s focus will be horses sent over by British champion trainer Charlie Appleby.

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“It’s all bizarre,” he said of his schedule, “but fun.”

Retirement it’s not.

“I would definitely like to do this year and next year. Definitely,” Dettori said. “Then it depends on my body. If I still feel good, I’m still in demand, I’m still riding in the big races, that’s what keeps me going.”

One thing is certain: “Until the day I stop, I’m a USA rider.”

See you later.

Follow Kevin Modesti on X (formerly Twitter) @Kevin Modesti.

​ Orange County Register 

Orange County’s top committed football recruits, May 30

• May 30, 2024

Support our high school sports coverage by becoming a digital subscriber. Subscribe now

Top committed high school football recruits from Orange County’s class of 2025:

Note: Early signing day is Dec. 4

Name, High school, Position, Height, Weight, College

Benjamin Alefaio, Orange Lutheran, S, 6-1, 195, Arizona State

Dash Beierly, Mater Dei, QB, 6-1, 215, Washington

Quaid Carr, Servite, RB, 6-0, 190, San Diego State

Jake Flores, JSerra, OL, 6-6, 285, Washington

Zach Giuliano, Corona del Mar, TE, 6-6, 230, Stanford

Leo Hannan, Servite, QB, 6-4, 220, Michigan State

AJ Ia, Orange Lutheran, TE, 6-5, 240, Arizona State

Carter Jones, Crean Lutheran, LB, 6-0, 205, Cal

Jackson Kollock, Laguna Beach, QB, 6-4, 225, Minnesota

TJ Lateef, Orange Lutheran, QB, 6-2, 205, Nebraska

Jacob Maiava, Santa Margarita, OL, 6-2, 290, SMU

Weston Port, San Juan Hills, LB, 6-2, 220, UCLA

Abduall Sanders Jr., Mater Dei, LB, 6-1, 225, Alabama

Matai Tagoa’i, San Clemente, LB, 6-4, 190, USC

Michael Tollefson, Tustin, QB, 6-1, 195, Arizona State

Nasir Wyatt, Mater Dei, LB, 6-3, 215, Oregon

Please send football recruiting news to Dan Albano at [email protected] or @ocvarsityguy on X and Instagram

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Hyundai, suppliers in Alabama sued over alleged child employment

• May 30, 2024

The U.S. Department of Labor wants a federal judge to prevent Hyundai and two other Alabama companies from what the government contends is the illegal employment of children.

The complaint filed Thursday follows an investigation by the department’s Wage and Hour Division that found a 13-year-old worked between 50 and 60 hours a week operating machines on an assembly line that formed sheet metal into auto body parts.

The defendants include Hyundai Motor Manufacturing Alabama LLC, SMART Alabama LLC and Best Practice Service, LLC. The lawsuit said it seeks to end the use of child labor and require that the companies give up profits linked to the alleged practice.

Hyundai said in a statement that it cooperated fully with the Labor Department and that it is unfair to be held accountable for the practices of its suppliers.

“We are reviewing the new lawsuit and intend to vigorously defend the company,” the statement said.

​ Orange County Register 

Report: Biden finalizing US-Mexico border migrant limit reforms

• May 30, 2024

By Colleen Long and Seung Min Kim | Associated Press

WASHINGTON — The White House is finalizing plans for a U.S.-Mexico border clampdown that would shut off asylum requests and automatically deny entrance to migrants once the number of people encountered by American border officials exceeded a new daily threshold, with President Joe Biden expected to sign an executive order as early as Tuesday, according to four people familiar with the matter.

The president has been weighing additional executive action since the collapse of a bipartisan border bill earlier this year. The number of illegal crossings at the U.S.-Mexico border has declined for months, partly because of a stepped-up effort by Mexico. Still, immigration remains a top concern heading into the U.S. presidential election in November and Republicans are eager to hammer Biden on the issue.

The Democratic administration’s effort would aim to head off any potential spike in crossings that could occur later in the year, as the fall election draws closer, when the weather cools and numbers tend to rise, two of the people. They were not authorized to speak publicly about the ongoing discussions and spoke to The Associated Press on condition of anonymity.

The move would allow Biden, whose administration has taken smaller steps in recent weeks to discourage migration and speed up asylum processing, to say he has done all he can do to control the border numbers without help from Congress.

The talks were still fluid and the people stressed that no final decisions had been made.

The restrictions being considered are an aggressive attempt to ease the nation’s overwhelmed asylum system, along with a new effort to speed up the cases of migrants already in America and another meant to quicken processing for migrants with criminal records or those who would otherwise be eventually deemed ineligible for asylum in the United States.

The people told the AP that the administration was weighing some of the policies directly from a stalled bipartisan Senate border deal, including capping the number of encounters at an average of 4,000 per day over a week and whether that limit would include asylum-seekers coming to the border with appointments through U.S. Customs and Border Protection’s CBP One app. Right now, there are roughly 1,450 such appointments per day.

Two of the people said one option is that migrants who arrive after the border reaches a certain threshold could be removed automatically in a process similar to deportation and would not be able to return easily. Migrants were able to more easily return to the border if they were expelled under the pandemic-era policy known as Title 42. Under that arrangement, Mexico agreed to take back some non-Mexican nationalities, including migrants from Guatemala, Honduras and El Salvador.

Migrants, especially families, claiming asylum at the southern border are generally released into the U.S. to wait out their cases. But there are more than 2 million pending immigration court cases, and some people wait years for a court date while they live in limbo in the U.S.

Anyone can ask for asylum regardless of whether they arrive illegally at the border, but U.S. officials are increasingly pushing migrants to make appointments, use a legal pathway that avoids the costly and dangerous journey, or stay where they are and apply through outposts in Colombia, Guatemala and Costa Rica.

The Biden administration has grown ever more conservative on border issues as the president faces ceaseless criticism from Republicans and there are large numbers of migrants crossing into the U.S. from Mexico who are not easily returned, especially as global displacement grows from war, climate change and more.

The immigration authority that the administration has been looking to use is outlined in Section 212(f) of the Immigration and Nationality Act. It gives a president broad leeway to block entry of certain immigrants into the U.S. if it would be “detrimental” to the U.S. national interest.

Senate Republicans last week again blocked a bill that would have enshrined some of the same efforts into law. The vote was meant to underscore GOP resistance to the proposal even as Republicans have clamored for more restrictions and argued that Biden has not done enough to stem the flow of migrants entering into the U.S.

The bipartisan bill had been negotiated for months and appeared, for a moment anyway, to be heading toward passage. It was even endorsed by the National Border Patrol Council and its president Brandon Judd, an avowed supporter of Donald Trump, the presumptive Republican presidential nominee. But Trump, concerned about handing Democrats an election-year win, called on Republicans to tank it, and they did.

White House officials did not confirm the expected executive order.

White House spokesman Angelo Fernández Hernández said the administration “continues to explore a series of policy options and we remain committed to taking action to address our broken immigration system.”

“While congressional Republicans chose to stand in the way of additional border enforcement, President Biden will not stop fighting to deliver the resources that border and immigration personnel need to secure our border,” he said.

Congress this year approved funding for a total of 41,500 detention beds and increased money for immigration enforcement and removal operations by $1.2 billion over what the White House had initially requested. That included $106 million in more funding for programs that monitor immigrants in the asylum system through phone apps and ankle bracelets, rather than through detention.

Those increases, negotiated after the collapse of the bipartisan deal, could pave the way for the administration to ratchet up immigration enforcement.

Yet unlike legislative action that is binding, anything Biden does through executive action can be challenged in the courts, and will almost certainly be, so it not clear whether — or if — the clampdown on asylum would begin. The administration was weighing other actions too, including faster and tougher enforcement of the asylum process.

The administration has generally paired proposed crackdowns with an expansion of legal paths elsewhere and was also planning to do so in the future, but not at the same time the new restrictions were announced, the people said.

Associated Press writer Stephen Groves contributed to this report.

​ Orange County Register 

Jordan Woolery powers UCLA in Women’s College World Series opener

• May 30, 2024

OKLAHOMA CITY — Jordan Woolery dropped the bat and immediately raised her hands. Even though she watched the ball soaring toward the left-field fence, she knew it was gone.

Knew it was big, too.

Woolery’s three-run sixth-inning homer was the difference as sixth-seeded UCLA defeated 14th-seeded Alabama 4-1 in its opener Thursday at the Women’s College World Series.

The Bruins (43-10) will play the winner of the Oklahoma-Duke game at noon PT Saturday at Devon Park in Oklahoma City.

Until Woolery’s late-inning blast, the WCWS opener was largely a pitcher’s duel, UCLA’s Kaitlyn Terry and Taylor Tinsley battling Alabama’s Kayla Beaver.

UCLA got on the board in the third inning.

After Janell Meono was hit by a pitch, Maya Brady laced a single into right field. Jadelyn Allchin followed with her own single to right, and Meono was sent home. She scored easily when Alabama right fielder Lauren Johnson bobbled the ball.

Alabama (38-19) got the run back in the fifth inning. After Terry gave up a lead-off single, she was replaced by Tinsley, who almost immediately found herself in trouble.

A sacrifice bunt moved the runner to second, and a single followed by a walk loaded the bases with only one out.

Tinsley got a popout but then allowed a sharp single to right field. One runner scored and a second was thrown out at home to end the inning.

UCLA answered back in the sixth. With a runner on second and one out, Alabama opted to intentionally walk Sharlize Palacios. Beaver followed with a strikeout, which brought Woolery to the plate.

The sophomore blasted a 1-1 pitch into the left-field bleachers to send the Bruins to the winner’s bracket.

More to come on this story.

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​ Orange County Register 

Array of mortgages cover hard-to-qualify properties, borrowers

• May 30, 2024

Once again, the mortgage world has a huge portfolio of mortgage programs that may get outside-the-conventional box borrowers qualified.

Let’s start with every mortgage loan originator’s favorite heart-burning challenge: the so-called non-warrantable condominium.

Ever since the Champlain Towers collapse and tragedy in July 2021 in Surfside, Fla., Fannie Mae and Freddie Mac have been aggressively vetting condo projects across the United States. Does the project have 100% insurance replacement coverage? Does it have a healthy budget and cash reserves? What about deferred maintenance and repairs? Are there construction defect issues or lawsuits? Are there too many investors owning in the complex (investor concentration)?

If the project is either Fannie or Freddie approved, it is considered a warrantable condo (the mortgage is eligible for sale to either of the mortgage giants). Both agencies tend to have the best consumer pricing.

Your mortgage loan originator should check such project eligibility ahead of you writing an offer.

If you are stuck with non-warrantable condo, the good news is you can get mortgage financing. The bad news is you can’t get away with a minimum 3% to 5% down payment. And you will be paying a higher interest rate.

The best rate I could find was 8.75% on a 30-year fixed rate, requiring a minimum 15% down payment. That is a good 2 points higher in rate than a standard, conventional 30-year fixed rate through Fannie Mae or Freddie Mac.

Also keep in mind, the approval isn’t automatic with a non-warrantable mortgage. For example, if there is construction defect litigation going on, assuming the case isn’t settled and the repairs are not completed, it’s doubtful there is any mortgage available.

Income restrictions

How can one qualify if he or she doesn’t show enough tax return income?

There is an abundance of exotic mortgage programs or so called nonqualified (non-QM) mortgages that just might get a loan approval. These programs take a different approach from the standard W-2s and tax returns to proving the ability to repay.

The most used loan is the 12-month bank statement program. Essentially, a self-employed borrower can put as little as 10% down. The lender will consider the most recent 12 months of business bank statements. All deposits will be added up and divided into 12 months. From there, an overhead factor is used for running the business.

Say it’s an architect working at home. The 12 months of deposits add up to $175,000. Let’s say the overhead haircut is 20%. So, it’s $175,000 divided by 20% which comes to $140,000. Then, divide it into 12 months. The qualifying monthly income lands at $11,666. Not bad.

There are programs allowing independent contractors to qualify simply from the 1099s with just 10% down.

How about getting a profit and loss statement signed by your CPA or an enrolled agent? That’s another way to qualify without using tax returns.

My all-time favorite is the fog-the-mirror mortgage. All you need is 20% down, good credit and mortgage payment reserves. The employment section of the application and the income section of the application are left blank. This program is exempt from any type of ability to repay proof.

For investors, a popular options is the debt service coverage ratio program. You’ll need at least 20% down. And the rental income for the property must be at least $1 more than the total house payment to qualify. Say the payment is $4,000. Your rental income would need to be at least $4,001.

Lenders are offering mortgages to foreign nationals, even without a green card.

They’re also offering mortgages to borrowers without Social Security numbers but with individual taxpayer identification numbers.

The more the down payment or the more equity in the case of refinancing, the better the pricing will be.

The lowest middle FICO score of all borrowers matters too. The better the score, the better the pricing.

In general, rates for these mortgage programs run between 7% and 9% range.

Freddie Mac rate news

he 30-year fixed rate averaged 7.03%, 9 basis points higher than last week. The 15-year fixed rate averaged 6.36%, 12 basis points higher than last week.

The Mortgage Bankers Association reported a 5.7% mortgage application decrease compared with one week ago.

Bottom line: Assuming a borrower gets the average 30-year fixed rate on a conforming $766,550 loan, last year’s payment was $123 less than this week’s payment of $5,115.

What I see: Locally, well-qualified borrowers can get the following fixed-rate mortgages with one point: A 30-year FHA at 6%, a 15-year conventional at 5.875%, a 30-year conventional at 6.5%, a 15-year conventional high balance at 6.25% ($766,551 to $1,149,825 in LA and OC and $766,551 to $1,006,250 in San Diego), a 30-year high balance conventional at 6.875% and a jumbo 30-year fixed at 7.125%.

Note: The 30-year FHA conforming loan is limited to loans of $644,000 in the Inland Empire and $766,550 in LA, San Diego, and Orange counties.

Eye-catcher loan program of the week: A 30-year VA at 6% with one point.

Jeff Lazerson, president of Mortgage Grader can be reached at 949-322-8640 or [email protected].

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​ Orange County Register