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Allowing them to lower their minimum requirements for a loan. No longer do you need to have a 620 credit score, people with poor credit can get approved. These "bad credit home loans" are known as a sub-prime mortgage. FHA loans allow for poor credit scores as low as 500 with 10% down and 580 score with 3.5% down.
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Low mortgage rates won’t heat up the housing market, analysts say – Mortgage rates have dropped significantly as of late. “That will hit homebuyer confidence, and with inventory levels still low that implies existing home sales will do no more than tread water over.
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