Debt-to-income ratio Finance Loans 
Housing Wire
FEBRUARY 3, 2025
The combined cost of mortgages, taxes and insurance now takes up a larger share of household income than it has since the early 1980s, according to an affordability index from John Burns Research & Consulting. Department of Veterans Affairs (VA) loans, which made up 10%, according to purchase loan lock data from Optimal Blue.
Housing Wire
MARCH 24, 2025
These include insufficient credit or income, changes in credit scores and high debt-to-income ratios. “A loan-to-value ratio that is too high, either because of a limited down payment or an appraisal of the home that resets the value used to calculate this ratio, can also be a factor,” she said.
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Housing Wire
OCTOBER 30, 2024
When asked whether loan buybacks were a more significant issue last year than now, Freddie Mac executive Sonu Mittal says emphatically, “It depends on who you ask.” Freddie Mac has seen a nearly 55% reduction in repurchase requests from its peak in the first quarter of 2023. This expands upon a pilot program launched earlier this year.
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. Many first-time homebuyers are stretching their finances to the limit.
Housing Wire
NOVEMBER 4, 2024
But for first-time and other cash-strapped buyers—those who are not relying on the proceeds of a home sale, who may be using a 100% financed VA loan, whose agents may be layering forms of assistance to put together enough cash for closing—knowing in advance about the seller’s contribution to their agent costs may be essential.
Housing Wire
MARCH 25, 2021
Do I need to pay off my student loans before buying my first home? What it really comes down to is whether or not you feel comfortable paying a mortgage (and all the other fun expenses that come with having a home), while also paying off student loans. For example, a conventional loan lets you put as little as 3% down.
Housing Wire
OCTOBER 11, 2023
The Federal Housing Finance Agency (FHFA) Director Sandra Thompson said Wednesday that the agency is working to provide more clarity on its framework and use alternatives amid a spike in Fannie Mae and Freddie Mac ‘s loan buybacks. It takes about six months after a loan is delivered for the processes to take place.
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