Am I ready to buy a home? Why so many first-time buyers think the answer is no. There's one question that many prospective homebuyers ask themselves long before they ever speak with a loan officer: Am I ready to buy a home? It's a reasonable question. Purchasing a home [..]

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Can Gen Z trust mortgage lenders? What the data tells us: New research reveals a striking confidence gap between Gen Z and the mortgage industry — and it isn’t about rejection or costs. It’s about uncertainty. Here’s what lenders need to understand, and what they can do differently. Trust has always been [..]

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First-time homebuyers aren’t just feeling priced out. They’re lost. The conversation around first-time homebuyers almost always starts with affordability. And it should, 65% of Gen Z respondents in our YouGov research say home prices are too high. That's a real hurdle for this segment of homebuyers.    But when our team dug into genuine responses from Gen Z [..]

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Methodology for Guild Mortgage’s Gen Z homebuyer research: Understanding the next generation of buyers Research explores perceptions, barriers and trust among emerging homebuyers Purpose and scope The Gen Z Homebuyer Research study, conducted by YouGov and lead by Guild Mortgage, was designed to better understand how Generation Z [..]

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Gen Z homebuyer insights Understanding the next generation of homeownership Guild Mortgage, in partnership with YouGov, launched the Gen Z Homebuyer Insights initiative to better understand how the next generation approaches homeownership, financial readiness, and the mortgage process. For its Gen Z Homebuyer Insights study, Guild Mortgage partnered with [..]

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How to qualify for a rate buydown as a first-time homebuyer As a first-time homebuyer, a temporary rate buydown can make your first few years of mortgage payments more affordable. By reducing your monthly payments, temporary buydowns can help you ease into your mortgage and build valuable equity. This guide explains how to qualify and [..]

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Am I eligible for an FHA Loan? A complete checklist The Federal Housing Administration (FHA) loan program is a popular option for first-time homebuyers, those with lower credit scores and those with less down payment savings. Before applying, it’s crucial to assess whether you meet the eligibility requirements. This guide provides a comprehensive FHA loan [..]

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What are draw and repayment periods for HELOCs* and HELOANs? Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago. If you’re among the three in 10 Americans hoping to access cash through a home equity line of credit (HELOC) or a home equity loan [..]

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What credit score do you need for an FHA loan? If you're thinking about buying a home but you’re worried about credit score requirements, an FHA loan might be the right solution for you. Backed by the Federal Housing Administration, FHA loans are designed to help more Americans achieve homeownership thanks to their flexible requirements. [..]

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When should I use my home equity? Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots. But as values rise, many homeowners are discovering it can give something more practical back: equity you can use to pay down debt, cover major expenses, [..]

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