{"id":85,"date":"2026-10-09T16:00:00","date_gmt":"2026-10-09T16:00:00","guid":{"rendered":"https:\/\/www.angeleanmortgageloans.com\/blog\/?p=85"},"modified":"2026-10-09T16:00:00","modified_gmt":"2026-10-09T16:00:00","slug":"homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help","status":"publish","type":"post","link":"https:\/\/www.angeleanmortgageloans.com\/blog\/2026\/10\/09\/homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help\/","title":{"rendered":"Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>With home sales hovering near a 31-year low, it\u2019s clear that strict lending standards, high mortgage rates, and rising costs continue to shape today\u2019s market. As someone who\u2019s worked on both the real estate and mortgage sides for over 25 years, I\u2019ve seen firsthand how these challenges impact buyers\u2014especially those with lower incomes or from minority backgrounds. The introduction of new credit scoring models that factor in rent and utility payments is a positive step, aiming to give more people a fair shot at homeownership. Still, despite consistently low delinquency and default rates among these groups, many potential buyers remain on the sidelines. Navigating these complexities takes both experience and perspective, and understanding the nuances behind the numbers is key to making informed decisions in this evolving landscape.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.mortgageresearch.com\/articles\/mortgage-lending-standards-new-credit-scores\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With home sales hovering near a 31-year low, it\u2019s clear that strict lending standards, high mortgage rates, and rising costs continue to shape today\u2019s market. As someone who\u2019s worked on both the real estate and mortgage sides for over 25 years, I\u2019ve seen firsthand how these challenges impact buyers\u2014especially those with lower incomes or from [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":86,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-85","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/85","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/comments?post=85"}],"version-history":[{"count":1,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions"}],"predecessor-version":[{"id":87,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions\/87"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media\/86"}],"wp:attachment":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media?parent=85"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/categories?post=85"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/tags?post=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}