Mortgage pre-approval and interest rates can be influenced by your credit profile, but requirements vary by lender and situation. Credit utilization, payment history, and overall debt levels are common factors lenders review, along with your debt-to-income ratio. It can also help to check credit reports for errors and understand how new credit accounts may impact your score. Income stability and down payment amount may also play a role in the overall application review.
The national housing market entered spring stronger, helped by better affordability and rebuilding inventory, even…
Existing-home sales in Late-Q1 ↓3.6% MoM and ↓1% yearly, extending a multiyear slump as the…
The pandemic-driven housing boom, especially in Florida, faces threats from escalating climate risks that could…
U.S. home prices rose over 23% from 2020 to 2025, with high mortgage rates and…
Florida's February 2026 home sales rose, with closed sales and average prices increasing slightly, contradicting…
Slide 1 Ultra-low mortgage rates below 3% during 2020–2022 created today’s housing market lock-in effect.…