Is It Slowly Getting Easier to Buy a Home?
Four signs the housing market may be easing – from dipping mortgage rates to smaller down payments and shifting credit score rules.
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Housing
We help homebuyers and homeowners stay ahead of today’s challenging housing market.
Research shows 82% of Americans still believe homeownership is part of the American Dream. But with challenges from rising inflation, flat wages, and rising credit card balances, many families struggle to achieve this goal. Today’s competitive housing market and initial barriers to ownership can make it tough to realize your dream. Then, once you become a homeowner, it’s crucial to manage your mortgage and the property effectively to avoid foreclosure.
With that in mind Consolidated Credit covers the latest news from the real estate market and mortgage industry. These articles can help you get ahead of current trends in real estate and manage your mortgage effectively. We also help you protect your equity so you can retain your home long-term. If you have any questions, visit our Housing Section or call 1-800-435-2261.
The National Housing Crisis Isn’t Really National
There were 36,128 properties foreclosure filings nationwide in July. Media outlets reported headlines like "Home prices reach record highs." That may not be entirely true. It's more likely local and unique to each area around the country.
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Refinancing Your Mortgage: Is Now the Right Time?
Refinancing your mortgage has a lot to consider from monthly payments to PMI insurance. We break down the process, pros and cons.
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First-Time Home Buyers Checklist for the 2025 Market
Late Spring and early Summer have traditionally been busy homebuying seasons. First-time homebuyers should review this checklist to ensure they're prepared.
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Should You Buy a House Now or Is It a Good Time to Refinance?
Thinking about buying a house? Get informed about current interest rates and receive guidance from Consolidated Credit's housing team.
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Clearing the Down Payment Hurdle
Most renters say generating the down payment is their biggest barrier to homeownership. We offer two proven homebuying solutions to make that jump easier.
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Habitat for Humanity and Consolidated Credit: Building Homes and Wealth
In a first-time partnership, Consolidated Credit works with Habitat for Humanity to provide financial education to 25 soon-to-be homeowners.
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Consolidated Credit Partners with Nova Southeastern University for First-Ever “Housing Summit”
Over 300 Floridians are expected to attend Consolidated Credit's first homebuyer summit, hosted in partnership with Nova Southeastern University.
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Buying a Home: Consolidated Credit Clears Up the Complex Process
Elia Orellana had dreams of paying off her credit cards and buying a home, but didn't know where to start. With Consolidated Credit's help, she was able to accomplish both of her dreams.
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Consolidated Credit’s Homebuying Fair Makes Homeownership Possible – Even in Today’s Market
The annual event connecting South Floridians with realtors, mortgage lenders, and other market professionals is back — and more necessary than ever.
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Consolidated Credit Helps South Florida Renters Apply for Emergency Rental Assistance
Consolidated Credit’s housing counselors are helping South Florida renters understand and apply for the Emergency Rental Assistance Program (ERAP).
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Overcoming the Pitfalls of Home Buying in the New Normal
Ten housing and real estate experts explain how homebuyers can overcome new and common home buying pitfalls, to successfully buy a home in this new normal.
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Reverse Mortgage Guide for Navigating the COVID Crisis
Is now the right time for a reverse mortgage? How does the pandemic affect how they work? Find out how COVID-19 affects the process.
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Homeowner’s Guide to Navigating the COVID Crisis
Struggling homeowners have options during the COVID-19 pandemic. Understand the CARES Act, decide if a HELOC is a good idea right now, find out how to prep for the future, and more.
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Is Facebook Guilty of Fair Housing Discrimination?
HUD filed a formal complaint against Facebook for violating the Fair Housing Act. We explain what homebuyers need to know as they shop for homes online.
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Do You Have the Right Credit Score to Buy a House?
A new survey reveals how much credit is a barrier to first time homebuyers. But what's the right credit score to buy a house and how do you achieve it?
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Ending Confusion to Achieve Homeownership
Potential homebuyers are confused about the homebuying process and unaware of financial assistance programs that can help them achieve homeownership.
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New Reverse Mortgage Rules
New reverse mortgage rules from HUD on the Home Equity Conversion Mortgage (HECM) Program could mean higher initial costs and less money available.
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Fannie Mae Student Loan Solutions Offer Path to Homeownership
If you want to buy a home, but student loan debt is holding you back, these new Fannie Mae student loan payment options may help you achieve homeownership.
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The Mortgage Lending Paradox
As the mortgage default rate nears zero, some believe it’s a sign lending standards are too strict. Here’s what homebuyers can do to get approval.
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HELOC Domino Effect
A study finds missed payments on a Home Equity Line of Credit (HELOC) often lead to other delinquencies with primary mortgages and credit card debt.
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How to Respond When Your Mortgage Application is Rejected
Receiving a mortgage rejection letter from a lender can be emotionally trying for potential homebuyers who were counting on the financing to purchase their dream home.
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