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the typical 12-month of reserves required for the typical first mortgage. Mortgage broker Jeff Lazerson can be reached at 949-334-2424 or jlazerson@mortgagegrader.com. His website is.

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"All the banks I deal with have told us they would not be able to close," said Don Frommeyer, president of the National Association of Mortgage Brokers. There are some banks that might be willing to.

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Consumers: Always shop around. It may make your house much more affordable. Mortgage broker Jeff Lazerson can be reached at 949-334-2424 or jlazerson@mortgagegrader.com. His website is.

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