Debt-to-income ratio Design Loan Officer 
Housing Wire
MARCH 21, 2025
Findings include 71% of loan officers reporting an increase in buyers who are willing to purchase fixer-uppers, explore unconventional financing or accept high mortgage rates despite long-term financial concerns. According to CoreLogic , non-QM loans accounted for 5% of mortgage originations in 2024, up from less than 3% in 2020.
Redfin
JULY 30, 2025
But here’s the good news: First-time homebuyers have access to loan options designed to make becoming a homeowner easier with more affordable rates and flexible requirements, like lower down payments and credit scores. These loans are offered from private lenders and are backed by the Federal Housing Administration (FHA).
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The Mortgage Report
JULY 24, 2025
Eligibility often depends on factors like being a first-time buyer, meeting income limits, and maintaining a qualifying credit score, though the details vary by program. Just understand that the money typically isn’t free,” says Matt Schwartz , branch manager and loan officer with Southlake Mortgage.
Rochester Real Estate
NOVEMBER 5, 2015
As always, your agent should be able to point you in the right direction and your loan officer will be able to answer any FHA loan questions and provide guidance for filling out the mortgage application. These include improving credit and balancing your debt to income ratio. Happy house hunting!
Housing Wire
MAY 25, 2022
Between significantly fewer refinances, rising mortgage rates and housing inventory nearly cut in half since 2020, loan officers (LOs) and brokers face a pivotal time where adaptation is a must for success. The Newrez non-QM suite is comprised of three different loan types, each designed for a different kind of borrower.
Housing Wire
AUGUST 26, 2024
Middleman pointed to average loan-to-value ratios of 50%, average debt-to-income ratios in the low 40% range, and credit scores in the low 700s as indicators of an “extraordinary” credit. And we really think we’re gonna have these customers with us for a really long time. That’s our goal.”
HomeLight
SEPTEMBER 1, 2022
Student loan debt doesn’t make it impossible to live out your dream of homeownership; it just makes it a bit more difficult because of its impact on your debt-to-income ratio (DTI), credit score, and down payment savings. Student loan interest rates are pretty low – they’re designed that way.”.
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