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Saving for a down payment is one of the biggest obstacles to homeownership in the United States, even for buyers who can afford monthly mortgage payments. Having to gather thousands of dollars upfront can delay purchases for years. Down payment assistance programs — grants, forgivable loans and other programs — bridge this hurdle by covering […]

December 12, 2025 link to original article Low-income buyers may assume homeownership means saving for years while watching prices climb further out of reach. But zero-down loans, forgivable grants and down payment assistance programs exist for households earning below their area’s median income — you just need to know where to look and how to

Fannie Mae no longer requires borrowers to have a 620 minimum credit score if the loan is processed through its Desktop Underwriter system. As of Nov. 16, 2025, it joined Freddie Mac, which made a similar policy update earlier this year. Does this mean people with subprime credit scores can now qualify for conventional mortgages?

November 6, 2025 link to original article National affordable housing innovator Arrive Home has enhanced qualifications for its Earned Equity Program to help responsible borrowers with temporary U.S. Visas and valid Employment Authorization Documents purchase a home. First launched in April 2023, Arrive Home’s Earned Equity Program is designed to assist prospective homebuyers who do

November 4, 2025 link to original article SALT LAKE CITY–(BUSINESS WIRE)–National affordable housing innovator Arrive Home has enhanced qualifications for its Earned Equity Program to help responsible borrowers with temporary U.S. Visas and valid Employment Authorization Documents purchase a home. “Arrive Home remains steadfast in its mission to pioneer innovative credit solutions that open doors for responsible

October 7, 2025 link to original article Expert guidance for first-time home buyers The housing market can be a tough and sometimes confusing place to navigate — especially for first-time buyers. Home buying conditions are in a constant state of flux, shifting over time and by geography. Strained affordability pushed many prospective home buyers to

July 2, 2025 link to original article An uneventful week for home equity rates. The average rate on a $30,000 home equity line of credit (HELOC) was unchanged at 8.27 percent, according to Bankrate’s national survey of lenders. The average rate on the $30,000 home equity loan also held steady at 8.26 percent. Since the

For generations, homeownership has symbolized stability, prosperity, and a stake in the American Dream. Yet for millions of Americans today, that dream feels more like a mirage. With home prices soaring, inventories shrinking, and mortgage rates rising, first-time buyers—especially those from low- and moderate-income backgrounds—face an uphill battle. The traditional path to owning a home is now marked by economic roadblocks, systemic barriers, and increasing uncertainty. Despite

June 4, 2025 link to original article National affordable housing innovator Arrive Home has launched two new iterations of its Earned Equity Program as part of its continued mission to expand access to homeownership for underserved borrowers. Arrive Home’s Earned Equity Program, which helps more consumers achieve their homeownership goals through a long-term purchase contract,

May 28, 2025 link to original article Arrive Home has launched two new iterations of its Earned Equity Program (EEP), which helps consumers achieve homeownership through a long-term purchase contract. The program is now available through two separate products designed for different groups of borrowers: EEP Pathway and EEP DocLight.