The mortgage market has definitely changed in the years following the financial crisis. Underwriting guidelines became much more stringent, requiring higher FICO scores and better credit histories in order to secure loans in many cases. But the good news is that interest rates have come down since the great recession and remain near historic lows today. Recently, Coldwell Banker Residential Brokerage (CB) talked with Steve Majerus (SM), Regional Executive for the western regi

t is true that the real estate market is challenging for almost everyone in the Bay Area. Rising costs for basic needs and incomes that can't keep up with it are putting the middle class under distress. What would be considered a wealthy person in most parts of the country, is barely able to afford a home here. But even the rest of America is experiencing the increasing divergence of high and low income households and the shrinking of a healthy and stable middle class. Owni