Housing Wire
JULY 7, 2025
A rise in negative equity and exposure to student debt are creating “pockets of vulnerability” for U.S. The resumption of student loan payments and collection efforts on defaulted federal student loans in May, following a five-year pause, could increase financial pressure on some homeowners, according to ICE.
Housing Wire
DECEMBER 20, 2024
House of Representatives proposes to relieve Federal Housing Administration (FHA) borrowers of mortgage insurance premiums (MIPs) once they reach a certain level of home equity , aligning FHA policies with those of conventional loans. Mortgage insurance exists as protection from foreclosure on low equity loans.
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Housing Wire
JANUARY 22, 2025
Escrow accounts are required for conventional borrowers with 20% or less equity in their homes. Federal Housing Administration (FHA) loan borrowers must maintain escrow accounts for the entire loan cycle, regardless of equity. After that, 70% had higher homeowners’ insurance and 57% had higher premiums.
Housing Wire
JUNE 30, 2025
For repeat buyers, the figure was significantly higher last year at 23% — a reflection of rising home equity over time. Financing options, misplaced guidance Conventional loans remain the most common path to homeownership , but many first-time buyers also turn to government financing. Another 9% used U.S.
Housing Wire
JULY 23, 2025
Borrowers had an average FICO score of 737 and an average loan-to-value ratio of 51% in Q2 2025. Chief financial officer Kurt Johnson noted the company is closely monitoring the Ginnie Mae segment, particularly Federal Housing Administration ( FHA ) loans, which comprise 15% of the portfolio.
Housing Wire
JUNE 9, 2025
High debt and low equity: Key warning signs Several catalysts could spark a housing market correction in 2025. in 2025 2 could pose risks for high loan-to-value (LTV) borrowers who have minimal home equity. and student loan delinquencies at 20% in 2024 (up from 2.8% Regional market imbalances amplify these risks.
Housing Wire
DECEMBER 9, 2024
Heres your game plan: Check your credit: A score of 640 opens the door to FHA loans and down payment assistance programs. Plus, buying now means youre building equity while others wait, and youll have the chance to refinance if rates dip in the future. First-time buyers: Its your moment Lets talk about first-time homebuyers.
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