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Rates settle in the fives to low sixes as policy support from Fannie and Freddie keeps pressure on mortgage costs.

We weigh in on investor limits, VantageScore’s impact on approvals, longer mortgage terms, and the rise of non-QM options that expand access.

• Fannie and Freddie expand capacity to buy mortgage-backed securities
• Policy backstop as a lever to keep rates lower
• Vantage Score adoption with alternative data for credit access
• 40 & 50-year mortgage scenarios and trade-offs
• Non-QM growth including DSCR, bank statements, 1099, and asset depletion
• Spring market outlook and rising applications
• Practical steps for first-time and self-employed buyers

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