Please Note: Blog posts are not selected, edited or screened by Seeking Alpha editors., Inc. (LFLS) Sits On Top Of A Growing Market

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After a long time on the bench, the housing market is back. Nationally, housing prices have seen the biggest gains in seven years, with some states seeing jumps exceeding 9%. Arizona, one of the states hardest hit by the real estate crash, has seen an annual housing price increase of over 16%. A recent report listed all 50 states as now showing improving markets. Correspondingly, although there are still many cash sales, and in spite of the stricter lending requirements now in place, there were a reported 8.6 million mortgage originations in 2012, the highest level since 2007. And, for 2013, existing home sales are expected to rise by another 9%.

In addition, as the job outlook improves, the number of people with sub-prime credit scores is shrinking, strengthening the market for new houses. Until recently, only people who were relatively well off could get through the tighter credit and income filters to buy a home, and these people purchased bigger homes, keeping the price of builders fairly high. Now, with more people able to measure up, home sales of all types should benefit.

It's an environment well suited for, a growing online residential mortgage broker based in California. The company is focused on so-called "A" paper loans, requiring good credit, good income, and a good down payment. As a leader in online brokerage, Loans4Less has an expansion strategy that isn't constrained by the costs and lead time of brick-and-mortar operations.

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