As-is Debt-to-income ratio Equity 
Housing Wire
SEPTEMBER 17, 2024
Home equity solutions provider Unison launched a new product on Tuesday that combines the features of traditional mortgage financing and emerging home equity investment (HEI) options. The San Francisco -based Unison calls its new offering the Equity Sharing Home Loan. home equity by the end of this year.
Housing Wire
MARCH 20, 2025
Whatever that looks like, they’re kind of maxing out with the debt-to-income ratio. Financial factors, including mortgage rates and home equity , are the main drivers for around one-third of Gen X and Baby Boomers. They’re getting a loan. Motivations for selling vary by generation.
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Housing Wire
NOVEMBER 4, 2024
Advocates focused solely on the concerns of home sellers—who have gained billions in equity in their properties in recent years—are now creating post-hoc justifications for why eliminating cooperative compensation benefits low-wealth buyers. It explicitly allows for such offers to be made off-MLS, however. None of these arguments hold water.
Housing Wire
FEBRUARY 28, 2024
Tom Davis, chief sales officer, Deephaven Mortgage Today’s market means that more borrowers have higher debt-to-income ratios, limited access to credit and are looking for alternative ways to get qualified for a mortgage. No traditional income analysis or employment information is required.
Housing Wire
MARCH 10, 2023
Stubborn inflation and high interest rates continue to wreak havoc on the mortgage-origination market, but there is one asset class in the housing market that is arguably flourishing in these hard times – home equity. They are saying, ‘Tell me what’s working, how can I stand a program up so I can capture some of this [home-equity] business.”
Housing Wire
FEBRUARY 5, 2024
of the median household income, the average payment is down from a 38-year high of more than 38% in October. But that number is still 9 percentage points above the 30-year average debt-to-income ratio of 24.2% The average mortgage holder now has $299,000 in equity, up from $274,000 at the end of 2022. million to 3.8
Housing Wire
MAY 4, 2022
Household balance sheets have improved: Since the Great Recession, mortgage rates have generally declined helping homeowners refinance into lower mortgage payments, while steadily rising home prices have significantly boosted homeowner equity. This article is part of our housing market economic update series.
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