Tag Archives: debt-to-income ratio

New poll finds 1 in 4 Americans say homeownership is out of reach

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A new KeyBank poll finds 1 in 4 Americans say homeownership is out of reach as housing costs and financial pressures continue to rise. Continue reading →

FHA builds record reserves against a gathering storm of delinquencies

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With delinquencies and debt-to-income ratios on the rise, the Trump administration is lifting foreclosure restrictions and eyeing tighter underwriting requirements for borrowers with multiple risk factors. Continue reading →

What is a 50-year mortgage? The pros and cons of Trump’s proposal

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The proposal from Trump is a reminder that the industry must evolve, Darryl Davis writes, but evolution without diligence can lead to structural weakness. Continue reading →

Don’t let buyer clients skip student loan payments during shutdown

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As the government shutdown reaches the end of its second week, some student loan borrowers are saying they plan to skip their next payment. Although some borrowers don’t mind the credit ding, real estate professionals are urging borrowers who want to p… Continue reading →

History proves it: Low interest rates are not a cure-all for real estate ills

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There are no easy solutions to the sluggish real estate market, team leader Carl Medford writes, and he does not believe slashing interest rates will have the desired effect. Continue reading →

Instant gratification is destroying your business. Here’s how to avoid the distraction trap

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Learn to lock in the necessary behaviors required to build your business, team leader Carl Medford writes, repeat them constantly, avoid pleasurable distractions and reap the rewards. Continue reading →

These are the 31 markets where home prices have fallen the most

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Price softening continues to spread from the Sunbelt into the Western U.S. and the inventory of homes for sale is growing at an accelerating pace, ICE Mortgage Technology reports. Continue reading →

Most homebuyers see a recession ahead. Some are even asking for it

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Nearly twice as many Realtor.com visitors say they would be more likely to buy if a recession hits compared to the share who say they’d be less likely to buy if the economy fails, new polling shows. Continue reading →

Supreme Court nixes $430B in student loan forgiveness

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Down payment assistance and income-driven repayment still offer a path to homeownership for those repaying $1.6 trillion in student loan debt. Continue reading →

New mortgage fee won’t debut until after spring homebuying season

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Industry groups continue to object to a new Fannie and Freddie fee aimed at some riskier borrowers as a burden on lenders and consumers. Continue reading →