Housing Wire

JANUARY 14, 2025

A report released Tuesday by Optimal Blue found that the conforming loan share sank to historic lows in December. More refis in December pulled market share away from other loan types, including conforming loans. ” The conforming loan share dropped by 1.5% mortgage market trends.

VA loan

Real Estate News

JUNE 16, 2025

Dave Gallagher June 16, 2025 3 mins Homebuyer down payments have started to dip, a sign that those who are using loans to help finance their purchases are shifting their focus to less expensive homes. There has also been an uptick in buyers using FHA and VA loans, which require lower down payments. Redfin found that 15.3%

VA loan

Housing Wire

MAY 5, 2025

Gen Z was responsible for one in four loans issued to first-time homebuyers. And despite tightened affordability , first-time buyer purchase lending has held up better than activity among repeat buyers compared to 2018 and 2019 especially for conventional loans through the government-sponsored enterprises ( GSEs ). Washington, D.C.,

Lending

Housing Wire

APRIL 18, 2025

By product type, conventional loans composed 49.0% of loan applications, FHA loans composed 37.0%, RHS/ USDA loans composed 0.9% and VA loans composed 13%. The average loan size for new homes decreased from $397,516 in February to $381,921 in March. compared to a year ago.

VA loan

Housing Wire

APRIL 9, 2025

Last week’s activity focused on purchase activity, which posted year-over-year growth for more than two months as for-sale inventory continues to increase steadily. The average refinance loan size jumped to its second highest in the survey at $399,600. The VA share of total applications increased to 15.7% from 14.4%

Fixed-rate mortgage

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.

Debt-to-income ratio

Housing Wire

APRIL 28, 2025

Activity increased across all loan types except those backed by the U.S. Loans guaranteed by the U.S. Department of Veterans Affairs (VA) saw the sharpest jump, with auction volume more than doubling year over year after the expiration of a VA foreclosure moratorium at the end of 2024. Department of Agriculture (USDA).

Loans

Housing Wire

APRIL 2, 2025

Overall purchase activity has shown year-over-year growth for more than two months as the inventory of existing homes for sale continues to increase, a positive development for the housing market despite the uncertain near-term outlook. For 30-year fixed-rate mortgages with jumbo loan balances, rates decreased to 6.76% from 6.77%.

Fixed-rate mortgage

Housing Wire

MARCH 31, 2025

This mirrors the benefits offered to military veterans through VA home loans. He currently works as chief production officer for Florida-based Salute Home Loans , a division of Capital Federal Credit Union. The act would provide affordable mortgage opportunities without requiring a down payment or monthly mortgage insurance.

Loans

Housing Wire

DECEMBER 6, 2024

For example, tips on home staging for a quick sale, how to get top dollar for a property, or advice on how to improve curb appeal are all topics that a seller might be interested in. Create content for buyers & sellers Keep in mind you should create content for both buyers and sellers.

Pre-approval

The Mortgage Report

JULY 1, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford? But not everyone can afford to put 20% down.

Loans

BAM Media

DECEMBER 11, 2024

From rising inventory to government-backed loans, theyre proving that resilience and innovation can fuel growth even in uncertain times. Inventory Recovery and New Construction Lead the Way Housing inventory is rebounding, with November 2024 marking the highest number of homes for sale since December 2019.

New Construction

The Mortgage Report

JUNE 24, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford?

Equity

The Mortgage Report

JULY 4, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford? Good for one-time expenses.

Equity

The Mortgage Report

JUNE 9, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford?

FHA 203k rehab loan

Redfin

FEBRUARY 18, 2025

Basically, folding your closing costs into your loan means you’ll need less cash upfront at closing. However, the trade-off is higher monthly payments and more interest paid over the life of the loan. FHA loans An FHA loan is a mortgage loan that’s insured by the Federal Housing Administration (FHA).

Closing costs

Marco Santarelli

DECEMBER 21, 2024

An increase in buyer demand, coupled with a limited supply of homes available for sale, can lead to higher competition among buyers. This increased competition often drives prices up and can indirectly influence mortgage rates as lenders adjust to the heightened risk associated with higher-priced loans.

Mortgages

The Mortgage Report

JULY 28, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? Others choose a shorter term, such as a 15-year loan.

FHA 203k rehab loan

The Mortgage Report

JULY 11, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? Some markets have huge housing shortages and homes for sale.

FHA 203k rehab loan

Marco Santarelli

MARCH 27, 2025

According to Freddie Mac, the average rate on a 30-year fixed home loan fell to 6.65% for the week ending March 27, 2025. Over the life of a 30-year loan, even a small decrease can save you thousands of dollars. As Berner points out, mortgage rates in the high-6% and low-7% range have slowed home sales compared to last year.

Mortgages

Redfin

JULY 30, 2025

Which loan is right for you? Conventional loans: You have a credit score of 620+, stable income, and can put at least 3% down. FHA loans: You have a credit score of 580+ (or 500+ with 10% down) and a higher DTI ratio. VA loans: You’re an eligible veteran, active-duty service member, or surviving spouse.

Loans

Marco Santarelli

JULY 21, 2025

Loan Types : Government-backed loans typically offer lower rates than conforming loans. They come with limits on loan amounts and borrower criteria which affect risk profiles. 15-Year Fixed Mortgage Rate : Stable around 5.90%. 5-Year ARM Mortgage Rate : Slight decrease to 7.76%. If rates drop to the predicted 6.4%

Mortgages

Housing Wire

MARCH 21, 2025

foreclosure pre-sale inventory rate was 0.39% during February, a month-over-month change of 2.16% and a year-over-year change of -1.99%. Prepayment activity (SMM) fell to 0.46% in February, the lowest level in a year, on higher rates and a seasonal dip in home sales. Starts saw a year-over-year change of 34.53%. The total U.S.

FHA loan

Calculated Risk Real Estate

FEBRUARY 3, 2025

The ICE HPI is a repeat sales index. ICE reports the median price change of the repeat sales. emphasis added Mortgage Delinquencies Increased in December Here is a graph on delinquencies by severity from ICE. emphasis added Mortgage Delinquencies Increased in December Here is a graph on delinquencies by severity from ICE.

Mortgages

Calculated Risk Real Estate

MARCH 14, 2025

Here is some data on delinquencies … It is important to note that loans in forbearance are counted as delinquent in the various surveys but not reported to the credit agencies. The percent of loans in the foreclosure process decreased year-over-year from 0.47 Foreclosure starts and sales are still very low.

Equity

Rochester Real Estate

NOVEMBER 5, 2015

Top Mortgage Myths | Demystifying Common Home Loan Misconceptions No one ever said that getting approved for a mortgage would be easy, but that doesn’t mean it’s impossible, even for those would-be buyers who are afraid that they won’t qualify for a home loan. (585) 704-7095 Contact Now Search Homes Home Fair Housing S.O.P.

Loans

Calculated Risk Real Estate

MAY 5, 2025

At the same time, Gen Z buyers made substantial gains in more affordable states, while FHA loans regained popularity as a critical tool for affordability-minded homebuyers. California is close behind, with Gen Z comprising 8% of purchase and 13% of FTHB loans.

FHA loan

Redfin

JANUARY 28, 2025

Assumable mortgages offer a unique alternative, allowing buyers to take over the sellers existing loan – potentially locking in a lower interest rate and saving money over time. From evaluating the loan terms to understanding the hidden costs, assuming a mortgage isn’t a decision to take lightly.

Loans

The Mortgage Report

JULY 14, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford?

FHA 203k rehab loan

Calculated Risk Real Estate

JULY 7, 2025

Pockets of vulnerability can be seen in rising negative equity, increased use of mortgage products that improve short-term affordability, and exposure to student loan debt. Nationally, one in four seriously delinquent loans would be in a negative equity position if sold at distressed (REO) prices.

Mortgages

The Mortgage Report

JUNE 24, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford? Additionally, prices inched up 0.6%

FHA 203k rehab loan

Redfin

JUNE 27, 2025

Not getting pre-approved for a home loan before starting your search A common mistake for first-time homebuyers is jumping into the search without first getting pre-approved for a mortgage. Even a small difference in your mortgage rate can really add up over the life of the loan, so it’s worth your time to shop around.

Pre-approval

AAOA

JANUARY 27, 2025

In addition to providing you with valuable insights and potential deals, they will help you through the entire sales process, including the offer and negotiating steps. A propertys sales history could indicate possible red flags. AAOAs network of expert lenders offer a wide range of loan options to help you achieve your goals!

Property Management

Marco Santarelli

JANUARY 25, 2025

There still aren't many houses for sale, though, which keeps prices supported. VA Loan Advantages: If youre a veteran or on active duty, you should definitely pay attention to this. VA loans are government-backed and tend to have some seriously attractive rates. lower than conventional 15-year loans!

Mortgages

Marco Santarelli

FEBRUARY 26, 2025

It's not just the 30-year fixed that's moving let's take a closer look at what different types of loans are doing. Mortgage Type Rate 30-Year Fixed 6.35% 20-Year Fixed 6.06% 15-Year Fixed 5.64% 5/1 ARM 6.56% 7/1 ARM 6.39% 30-Year VA 5.80% 15-Year VA 5.30% 5/1 VA 5.89% See that? Thats a pretty significant difference!

Mortgages

The Mortgage Report

JULY 22, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? How Much Home Can I Afford?

FHA 203k rehab loan

Redfin

FEBRUARY 20, 2025

On average, sellers can expect to pay between 6% to 10% of the sale price in closing costs , including agent commissions, transfer taxes, and title fees. Closing costs are the fees and expenses required to finalize the sale of a home. On average, sellers typically pay between 6% and 10% of the homes sale price in total closing costs.

Closing costs