US Housing

US Housing Market Focus

15 November, 2017

How tight are mortgage lending standards?

Smaller down payments and rising debt-to-income ratios might be an indication that mortgage lending standards are once again being relaxed to dangerous levels. But the Ability to Repay rule is restricting access to such loans to buyers with high credit scores. Compared to the boom years, or even the preboom years, a significant share of households are therefore still locked-out of the mortgage market.

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