New condo and coop rate adjustments

I see this URL: http://www.chicagotribune.com/classified/realestate/advice/chi-umberger-column-condos-0118jan18,0,5500406.column

says that at 0.75% FEE (not a rate bump) takes effect April 1. I don't see anything about a .5% higher rate

That "fee" usually equates to a rate bump and it has already been enacted since it's for all loans delivered on/after April 1.

.75% fee is correct. As an example, if you were getting 6% with 0 points then now youre getting 6% paying .75. Or the higher rate with 0 points and what the .75 equates will vary.

25% is the new black... and it should be, considering the uncertainties about valuation.

Also keep in mind that the denominator for LTV is supposed to be the lesser of price and appraised value, and appraisers are getting more conservative.

how many years does it take for a newly licensed appraiser to get a good job? are appraisers in demand? guess that this last housing bubble gave birth to more realtors and mtg brokers than appraisers, is that right? why if so?