Czarinna Andres

New analysis shows widening gap has pushed the price-to-income ratio to more than 5, nearly double historical norms

NewDay USA survey finds high demand and near-universal satisfaction with VA loans, while closing costs, income constraints, and knowledge gaps continue to limit buyer readiness

BMO data shows Latino borrowers increasingly pooling family resources to overcome affordability challenges and pursue long-term homeownership

Monthly gains led by the South point to improving supply conditions, but affordability pressures and rate volatility continue to shape the spring housing market

New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment

First transaction delivers $41K balance discount, pointing to a portfolio-driven approach to accelerating loan turnover

GreenPath data suggests more seniors are arriving later in the financial cycle, limiting flexibility for loan structuring

Rule removes disparate impact standard, shifting focus to intentional discrimination and redefining compliance for lenders

HomeLife Mortgage highlights alternative financing as rental yields decline and more properties fall short of traditional DSCR tests

New statute reclassifies shared appreciation agreements as mortgages, signaling broader compliance, disclosure, and investor risk shifts for lenders