Mortgage rates have gone wild, so what’s next for housing?
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HousingWire reports that mortgage rates have climbed to 7.49%, a level that is reshaping how both buyers and sellers approach the market. Inventory has expanded to 895,398 homes, new listings reached 66,907, and price cuts now appear on 42.50% of listings. These figures together suggest a market in transition, where higher borrowing costs are cooling demand enough to give remaining buyers more options and more negotiating room than they have had in years.
For investors and self-employed borrowers, this environment creates a specific set of challenges that conventional paths do not always address. loantrust.ai operates directly in this space, originating both consumer and investor mortgages including DSCR loans that qualify based on property cash flow rather than personal income, fix-and-flip and bridge programs for shorter-term projects, bank-statement programs for self-employed borrowers, and new construction and multifamily financing. Every file is packaged by one licensed MLO rather than routed through a call center, which means the same person who understands the strategy stays with it from application through closing.
The current moment rewards borrowers who can move with precision. With nearly half of listings seeing price reductions and inventory accumulating, investors with ready financing can evaluate deals on fundamentals rather than momentum. A dedicated partner rather than a transactional call center becomes more valuable when margins compress and every basis point on rate and every day on timeline affects the outcome. That is the situation this market has created, and it is the one loantrust.ai is structured to serve.
Source: HousingWire, “Mortgage rates have gone wild, so what’s next for housing?”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai Georgia
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.