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PROVIDED BY EZFUNDINGS, INC.
May 24, 2025

Disclaimer: The following news content are sourced from The Mortgage Point, CNBC, DS News, The M Report, and Mortgage News Daily, and EZ Fundings, Inc. does not own or claim ownership of this information. Click each button for more information directly from the original article. 

Understanding DTI (Debt-to-Income Ratio)
Many factors can affect your approval when applying for a mortgage. One of the most important is your DTI. Understanding DTI (Debt-to-Income Ratio) helps you prepare better when planning to buy a home. Hence, lenders use this number to decide if you can afford new debt. If you ignore it, your loan application might fail—even with excellent credit. So, knowing how it works can give you a strong advantage.
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Housing Market Prepares for Tax Policy Shake-Up
The U.S. House of Representatives narrowly passed a tax reform measure, the One Big Beautiful Bill Act, by a vote of 215-214, legislation which will impact the real estate sector and affect household finances. Key aspects of the One Big Beautiful Bill Act of importance to the real estate and housing industries that will strengthen housing affordability, investment, and generational wealth...
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Opportunity Zones: Q1 Price Trends On the Upswing
In its Q1 2025 report, ATTOM examined eligible low-income Opportunity Zones that Congress had designated for economic revitalization under the 2017 Tax Cuts and Jobs Act. In this analysis, ATTOM examined 3,558 U.S. zones that had at least five home sales in Q1 of 2025 and had enough data to evaluate.
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Fannie Mae Forecasts Market Momentum Building Into 2026
The Fannie Mae Economic and Strategic Research (ESR) Group’s May 2025 Economic and Housing Outlook projects that total single-family home sales will reach 4.92 million units by the end of 2025, with existing house sales making up 4.24 million of those units. A reduction in the ESR Group’s projections for mortgage rates, which it now projects to conclude 2025 and 2026 at 6.1% and 5.8%, respectively, contributed to the revisions to the home sales prediction.
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Investing Beyond Your Backyard
Zach Lemaster is the Founder & CEO of Rent to Retirement, a turnkey investment company. Lemaster is a seasoned real estate investor and licensed broker with a large portfolio of rental properties across multiple markets, including single-family, multifamily, commercial, and new construction. Lemaster started investing in real estate while working as an Optometrist and captain for the U.S. Air Force. This eventually allowed him to retire early from his career in medicine to become a professional investor by strategically investing in markets that maximize cash flow, appreciation, and equity. Lemaster went on to build a successful wholesaling, flipping, and management business working across multiple markets, which led to the foundation of Rent to Retirement.
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Differences between Pre-Approval and Pre-Qualification
When starting your homebuying journey, you’ll hear the terms pre-qualification and pre-approval. These sound similar but are quite different. Hence, understanding the differences between pre-approval and pre-qualification helps you feel more confident when you make an offer.
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How Lenders Can Future-Proof Against Market Whiplash
When will the mortgage market see its next upswing? At this point, who really knows? We do know this, however … it will eventually rebound. No, it likely will not be an even recovery, but rates will come down and volume will increase at some point.
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Could a Recession Trigger a Housing Market Revival?
With many on edge financially due to the state of the nation’s economy, a new poll from Realtor.com has found that U.S. homebuyers are bracing for a potential recession, but is there a silver lining?
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What’s Driving the 2025 Spring Homebuying Market?
Redfin reports that sales of existing U.S. homes fell to a seasonally adjusted annual rate of 4,196,707 in April 2025, the lowest level reported since October 2024. That’s down 0.2% from a month earlier, and down 1.1% year-over-year—the first annual decline reported in seven months.
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Need a home mortgage? Here’s how climate change could hit your credit score
Anyone shopping for a mortgage knows how far into your finances lenders like to dive in order to determine your credit-worthiness. But here’s a new factor: climate change.
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