December 2025

Bank statement loans: More mortgage options for self-employed buyers and homeowners as rates ease

If you’re self-employed, paid on commission, or run a business, you already know the frustration: you can have strong cash flow, great credit, and real assets—yet a traditional mortgage can still feel like a square peg in a round hole. That’s exactly why bank statement loans exist. They’re designed for borrowers whose real income is […]

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Why 2025’s strong purchase application data didn’t boost home sales

Purchase application data had its first positive year in many years in 2025, meaning we had more positive than negative week-to-week data, and most of the year was positive year over year in almost every weekly print. However, existing home sales will likely be only slightly higher in 2025 than in 2024. So how could

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