Debt-to-income ratio Fixed-rate mortgage Lending 
Housing Wire
JUNE 9, 2025
housing market is flashing warning signs reminiscent of 2008: rising household debt burdens, persistent inflation and home prices that are outpacing incomes. Unlike the pre-2008 era, stricter lending standards and robust regulations have kept mortgage delinquency rates low, significantly lowering the odds of a catastrophic collapse.
Housing Wire
AUGUST 7, 2023
The financial incentives are simply not there for mortgage companies that want to do more minority lending; therefore, it shouldn’t be a surprise that most banks and mortgage lenders do just enough minority lending to stay out of regulatory trouble but secretly have no desire to do much beyond that.
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Housing Wire
MAY 3, 2023
. “The 2-year and 10-year US Treasury yields are down 2-3 basis points, which could help mortgage rates as the market digests the news and adjusts,” Jack Macdowell, chief investment officer at the Palisades Group , said. However, a higher interest rate environment can provide more opportunity for cash buyers.
Housing Wire
MARCH 10, 2023
Toohig adds that lenders are telling him that their customers “don’t want to do a new 30-year fixed-rate mortgage at 6.25%, and we’d rather do a smaller-balance HELOC [home equity line of credit] instead to improve their property.” I think in 2023, we’re going to see rates higher for longer,” Toohig concludes.
Realty Biz
OCTOBER 21, 2020
Mortgage rates are at an all-time low, but that’s just too bad for the thousands of potential home buyers who’re missing out on the action due to tighter lending standards. Last week, Freddie Mac reported that the 30-year fixed rate mortgage now averages just 2.81%, a new all time low for mortgage rates in the U.S.
Marco Santarelli
MAY 24, 2025
A rise in Treasury yields typically leads to a corresponding increase in mortgage rates. Federal Reserve Policies : The Federal Reserve's decisions regarding interest rates and quantitative easing have significant effects on lending rates. How do I secure the best mortgage rate?
Marco Santarelli
MARCH 17, 2025
The rate you personally qualify for can vary based on factors like your credit score, down payment amount, the type of property you're buying, and even where you live. The Popular 30-Year Fixed-Rate Mortgage The 30-year fixed-rate mortgage is still the most common choice for homebuyers, and for good reason.
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