Cirelli, a Laguna Beach mortgage broker. What’s more, some repeat and wealthier buyers with credit problems have a hard time qualifying for non-FHA loans, said Jeff Lazerson, another Orange County.

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Communities still below June 2007 include a diverse slice of Orange County: parts of Anaheim, Costa Mesa, Dana Point, Fullerton, Garden Grove, Irvine, La Habra, La Palma, Lake Forest, Ladera Ranch,

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Lenders refuse to fund a mortgage. said Dennis Bogle, who oversees Laguna Beach’s building inspection department. But homeowners and their contractors are required to get city building permits for.

Shares of banks, thrifts and mortgage lenders declined broadly on Wednesday. “Financial stocks are falling knives right now.” The Laguna Beach, California firm invests $850 million and owns WaMu.

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