HomeLight

APRIL 18, 2025

You might be curious if theres a way to access your homes equity for a down payment before it sells or if your only option is to move out and crash somewhere temporary while you house hunt. Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home.

Equity

HomeLight

APRIL 10, 2025

Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home. You can then make a strong offer on your next home with no home sale contingency. When reviewing your application, the lender may need to calculate your debt-to-income ratio.

Equity

HomeLight

JULY 24, 2025

You need the equity from your existing property to fund the next purchase, but pulling that off without disruption to your daily life isn’t easy. With homes taking longer to sell, aligning the timing of your sale and next purchase becomes even more challenging. Your debt-to-income ratio (DTI) also comes into play.

Equity

HomeLight

JULY 28, 2025

You need the equity from your existing home to fund your next purchase — but getting the timing right isn’t always easy. Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home. You can then make a strong offer on your next home with no home sale contingency.

Equity

HomeLight

JULY 24, 2025

Timing the sale and purchase just right — especially in a highly competitive market like Sacramento, California — can be a stressful undertaking. Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home. What are the benefits of a bridge loan in Sacramento?

Equity

HomeLight

JULY 24, 2025

Timing the sale and purchase just right — especially in a highly competitive market like Sacramento, California — can be a stressful undertaking. Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home. What are the benefits of a bridge loan in Sacramento?

Equity

Redfin

JUNE 13, 2025

Buying your second home comes with experience on your side and valuable advantages: financial history, equity from your current home, and a clearer sense of what you want. Coordinating the sale of your current home with the purchase of your next requires precise timing. This surplus gives buyers more choices and bargaining power.

Debt-to-income ratio

Inman

JULY 7, 2025

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

Technology

The Mortgage Report

JULY 11, 2025

I think in some cities, like Phoenix, we are starting to see a little bit of foreclosure or short sale happening. Some markets have huge housing shortages and homes for sale. year-over-year, pushing the number of homes for sale above 1 million for the first time since the winter of 2019. But that is really market dependent.

FHA 203k rehab loan

The Mortgage Report

JULY 14, 2025

To qualify, the borrower will need to meet the lender’s credit, income, and debt-to-income ratio (DTI) requirements. Selling eliminates the shared debt entirely. The mortgage is paid off at closing, and any remaining equity can be split based on an agreement or court order.

FHA 203k rehab loan

Redfin

JULY 30, 2025

An FHA loan may be ideal for those with a lower credit score or a higher debt-to-income ratio. Less equity at the start can make it harder to refinance or sell in the short-term, since there’s no down payment upfront. Each organization and program has its own rules, but many have income limits.

Loans

AAOA

JUNE 12, 2025

Financing: Commercial Deals Are All About the Property Residential real estate loans (for properties with 1–4 units) are underwritten based on your personal income, credit history, and debt-to-income ratio. Lenders evaluate the property’s performance, not your W-2 income.

Commercial

Marco Santarelli

MARCH 4, 2025

drop in pending home sales just in January. Pending home sales are actually at an all-time low since they started tracking this data way back in 2001! On the other hand, a larger down payment means lower monthly payments and more equity from the start. We saw this reflected in the numbers. Thats a long time to see such a dip.

Mortgages

The Mortgage Report

JULY 22, 2025

Things to consider: You’ll need to qualify for the loan on your own — your credit, income, and debt-to-income ratio all matter. Things to consider: You’ll need everyone on the title to agree to the sale. The current market and property value will impact how much equity each party receives.

FHA 203k rehab loan

Redfin

JULY 23, 2025

As of June 2025, the median sale price for a home in the U.S. $500,000 might sound like a lot, but in today’s housing market, it may not stretch as far as you’d think. is roughly $447,000. So how much is a mortgage on a $500K home? Let’s break it down. How much is the monthly mortgage payment on a $500K house?

Mortgages

Redfin

JULY 1, 2025

This type of arrangement allows co-borrowers to combine their income and credit profiles, which can help with loan approval or boost purchasing power. Lenders assess each applicant’s income , credit score, debt-to-income ratio, and employment history. How do you apply for a mortgage with multiple borrowers?

Debt-to-income ratio

Redfin

JULY 31, 2025

to 1% of the loan amount Escrow fees: 1% of the home sale price Recording fees: $125 Property taxes: Varies Homeowner’s insurance premiums: Varies 6. Think about resale value and the potential to build equity Your first home is a step toward long-term financial growth. Also keep an eye on equity potential. Making the deal 17.

Purchase and sale agreement

Redfin

FEBRUARY 24, 2025

As of December 2024, the median sales price for single-family homes in the U.S. As of the end of 2024, the median home sales price in the U.S. Purchasing an existing home often proves more cost-effective than constructing a new one, though total expenses vary based on factors like home size, materials, market conditions, and location.

Debt-to-income ratio

Marco Santarelli

JULY 2, 2025

Conversely, a surplus of homes can encourage lower rates to stimulate sales. Understanding Your Financial Position : Your credit score, income levels, and debt-to-income ratio significantly affect the rates you may be offered. However, it's essential to evaluate costs against potential savings carefully.

Mortgages

AAOA

MARCH 24, 2025

The appreciation that the property witnesses over time can help leverage your equity to invest in other properties. Reduced Risk Unlike a single-family unit that depends on one tenant for all your income, a multifamily property spreads out your risk. Compare interest rates and loan terms to find the best option for you.

Property Management

HomeLight

APRIL 23, 2025

Through our Buy Before You Sell program, HomeLight can help you unlock a portion of your equity upfront to put toward your next home. You can then make a strong offer on your next home with no home sale contingency. Yes, You Can Buy Before You Sell. Why Move Twice? Buy Before You Sell Who offers bridge loans?

Debt-to-income ratio

Norada Real Estate

JULY 2, 2025

Conversely, a surplus of homes can encourage lower rates to stimulate sales. Understanding Your Financial Position : Your credit score, income levels, and debt-to-income ratio significantly affect the rates you may be offered. However, it's essential to evaluate costs against potential savings carefully.

Mortgages

Redfin

JULY 3, 2025

Some lenders may require a finalized divorce decree before approving a mortgage, as this document outlines debt and asset division, alimony, and more. These details directly impact your debt-to-income ratio , how much you afford and borrow. If you’re the one making those payments, they count as debt.

Debt-to-income ratio

Marco Santarelli

MAY 22, 2025

For those looking into shorter-term commitments, the 15-year fixed mortgage remains an attractive option at 6.08% , allowing homeowners to build equity faster while still benefiting from lower long-term interest costs. Lenders assess credit scores, debt-to-income ratios, and down payments when determining rates.

Mortgages

Norada Real Estate

MAY 22, 2025

For those looking into shorter-term commitments, the 15-year fixed mortgage remains an attractive option at 6.08% , allowing homeowners to build equity faster while still benefiting from lower long-term interest costs. Lenders assess credit scores, debt-to-income ratios, and down payments when determining rates.

Mortgages

Marco Santarelli

APRIL 5, 2025

The average 30-year refinance rate stands at 6.49% , obtaining favorable rates for existing homeowners looking to reduce their monthly payments or tap into equity. Personal Financial Profile : Your individual credit score, debt-to-income ratio, and loan-to-value ratio will impact the rate you can secure.

Mortgages

Marco Santarelli

MARCH 30, 2025

Focus on Financial Health: Improving your credit score and lowering your debt-to-income ratio are key factors in securing a lower mortgage rate. This option is often favored by those who have a higher income and are comfortable with larger monthly payments, allowing them to build equity faster and become debt-free sooner.

Mortgages

Redfin

JUNE 10, 2025

Start building equity : One of the major pros to buying a house vs renting is the chance to build equity on your investment. Impact on your debt-to-income ratio (DTI) : Even though splitting the mortgage with your friend can save you money, lenders will see the entire mortgage obligation as your sole responsibility.

Purchase and sale agreement

The Mortgage Report

JULY 16, 2025

Ways to get out of a joint mortgage Mortgage refinance Loan assumption Home sale Steps to take to get out of a joint mortgage Common reasons to get out of a joint mortgage Divorce or breakup A financial crisis, meaning one party can no longer afford the payments Changing long-term plans. Check your home’s equity.

FHA 203k rehab loan

Housing Wire

FEBRUARY 28, 2024

Tom Davis, chief sales officer, Deephaven Mortgage Today’s market means that more borrowers have higher debt-to-income ratios, limited access to credit and are looking for alternative ways to get qualified for a mortgage. No traditional income analysis or employment information is required. trillion.

Debt-to-income ratio

Housing Wire

MARCH 10, 2023

Stubborn inflation and high interest rates continue to wreak havoc on the mortgage-origination market, but there is one asset class in the housing market that is arguably flourishing in these hard times – home equity. They are saying, ‘Tell me what’s working, how can I stand a program up so I can capture some of this [home-equity] business.”

Equity

Housing Wire

MAY 4, 2022

Homes that reach the market sell quickly, bidding wars are the new normal and the investor share of sales continues to rise. The mortgage debt-to-income ratio is near a four-decade low and homeowner equity is at a historic high. The combination of these factors has some feeling 2008 déjà vu. Moderation, not bust.

Debt-to-income ratio

Housing Wire

MARCH 20, 2024

Those too young to remember the wild west of real estate believe that real estate commissions have always been evenly split between seller’s and buyer’s agents, with each receiving a portion of the sale price. A drop in demand not only slows the market but can erode home equity, leaving homeowners with diminished assets.

Debt-to-income ratio

Keeping Current Matters

AUGUST 20, 2020

Accompanied by more rigorous lending standards, the household debt-to-income ratio is at a four-decade low and household equity near a three-decade high. Second, this service sector-driven recession is disproportionately impacting renters.”.

Debt-to-income ratio

Housing Wire

AUGUST 23, 2023

When asked how relevant this business will be, Garg refers to Amazon , a company that drives two-thirds of its sales from third-party sellers. “We Better wants to sell this platform to other companies, becoming a “mortgage-as-a-service” company or a white-label provider of mortgage tech, Garg said. We aim for a similar mix.”

Debt-to-income ratio

Housing Wire

JANUARY 4, 2022

Still, even in those transactions, the underlying collateral appears solid, with the average credit scores of the borrowers above 760 and the average debt-to-income ratio ranging from 64.4% If you if you look at home sales in California, virtually nothing is being sold at the low end of the market.”.

Marketing

Housing Wire

MAY 25, 2022

Non-QM loans are harder than other loan products, so lenders must invest the time, resources and education into their sales teams and brokers to learn the intricacies of non-QM products. “As that sector continues to grow, so does the potential for loan officers and brokers to bring them on as customers with the right type of products.”.

Debt-to-income ratio