{"id":94,"date":"2026-10-11T09:00:00","date_gmt":"2026-10-11T09:00:00","guid":{"rendered":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/?p=94"},"modified":"2026-10-11T09:00:00","modified_gmt":"2026-10-11T09:00:00","slug":"homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help","status":"publish","type":"post","link":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/2026\/10\/11\/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>As someone deeply committed to helping clients navigate the complexities of the housing market, I\u2019m always watching the factors that shape your homebuying journey. Right now, home sales are hovering near a 31-year low\u2014largely due to strict lending standards, elevated mortgage rates, and increasing costs. While there\u2019s some hope on the horizon with new credit models that factor in things like rent and utility payments, it\u2019s clear that many low-income and minority buyers are still being left out, even though data shows their delinquency and default rates remain low. Understanding these ongoing changes is key to making informed decisions, and I\u2019m here to offer insights tailored to your unique situation, ensuring you have the support and knowledge you need to move forward confidently.<\/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>As someone deeply committed to helping clients navigate the complexities of the housing market, I\u2019m always watching the factors that shape your homebuying journey. Right now, home sales are hovering near a 31-year low\u2014largely due to strict lending standards, elevated mortgage rates, and increasing costs. While there\u2019s some hope on the horizon with new credit [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":95,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-94","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/posts\/94","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/comments?post=94"}],"version-history":[{"count":1,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/posts\/94\/revisions"}],"predecessor-version":[{"id":98,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/posts\/94\/revisions\/98"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/media\/95"}],"wp:attachment":[{"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/media?parent=94"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/categories?post=94"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acmerealestatecompanyinc.com\/blog\/wp-json\/wp\/v2\/tags?post=94"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}