{"id":89,"date":"2026-10-09T09:00:00","date_gmt":"2026-10-09T09:00:00","guid":{"rendered":"https:\/\/www.seabea.com\/blog\/?p=89"},"modified":"2026-10-09T09:00:00","modified_gmt":"2026-10-09T09:00:00","slug":"homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help","status":"publish","type":"post","link":"https:\/\/www.seabea.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>Navigating today\u2019s real estate market, I\u2019ve seen firsthand how strict lending standards and high mortgage rates have put a damper on home sales, which are now hovering near a 31-year low. There\u2019s a glimmer of hope with new credit models that factor in rent and utility payments\u2014an innovative step forward. However, it\u2019s clear that many low-income and minority buyers still face barriers, even though their delinquency and default rates are low. As someone committed to pushing boundaries and finding creative solutions for my clients, I keep a close eye on these shifts to better serve every homebuyer\u2019s unique journey.<\/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>Navigating today\u2019s real estate market, I\u2019ve seen firsthand how strict lending standards and high mortgage rates have put a damper on home sales, which are now hovering near a 31-year low. There\u2019s a glimmer of hope with new credit models that factor in rent and utility payments\u2014an innovative step forward. However, it\u2019s clear that many [&hellip;]<\/p>\n","protected":false},"author":361,"featured_media":90,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-89","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/posts\/89","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/users\/361"}],"replies":[{"embeddable":true,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/comments?post=89"}],"version-history":[{"count":1,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/posts\/89\/revisions"}],"predecessor-version":[{"id":91,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/posts\/89\/revisions\/91"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/media\/90"}],"wp:attachment":[{"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/media?parent=89"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/categories?post=89"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.seabea.com\/blog\/wp-json\/wp\/v2\/tags?post=89"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}