{"id":23,"date":"2026-10-15T14:00:00","date_gmt":"2026-10-15T14:00:00","guid":{"rendered":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/?p=23"},"modified":"2026-10-15T14:00:00","modified_gmt":"2026-10-15T14:00:00","slug":"homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help","status":"publish","type":"post","link":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/2026\/10\/15\/homebuyers-lending-standards-are-still-tight-but-new-credit-scores-may-help\/","title":{"rendered":"Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>After 26 years helping families buy and sell homes, I\u2019ve seen just how much lending standards shape the real estate journey. Right now, with home sales hovering near a 31-year low, it\u2019s clear that strict lending requirements, rising mortgage rates, and overall costs are making it tough for many. There\u2019s a bit of hope on the horizon: new credit scoring models now consider on-time rent and utility payments, a positive step that reflects the real-life financial habits I see every day in my work. Still, too many low-income and minority buyers remain on the sidelines, even though their record of paying bills on time is strong. Navigating these hurdles is never easy, but with honest advice and a focus on your needs, I\u2019m committed to finding solutions that open more doors for Boulder\u2019s future homeowners.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.mortgageresearch.com\/articles\/mortgage-lending-standards-new-credit-scores\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>After 26 years helping families buy and sell homes, I\u2019ve seen just how much lending standards shape the real estate journey. Right now, with home sales hovering near a 31-year low, it\u2019s clear that strict lending requirements, rising mortgage rates, and overall costs are making it tough for many. There\u2019s a bit of hope on [&hellip;]<\/p>\n","protected":false},"author":490,"featured_media":24,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/posts\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/users\/490"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":1,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions"}],"predecessor-version":[{"id":25,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions\/25"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/media\/24"}],"wp:attachment":[{"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/media?parent=23"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/categories?post=23"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bouldercoelevatedproperties.com\/blog\/wp-json\/wp\/v2\/tags?post=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}