{"id":37,"date":"2026-10-18T14:00:00","date_gmt":"2026-10-18T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/anytimemtg-com\/2026\/10\/18\/mortgage-approvals-still-demand-preparation-%f0%9f%8f%a1-think-you-need-20-down-to-buy-a-home-think-again-you-may-qualify-with-less-money-down-than-you-think\/"},"modified":"2026-10-18T14:00:00","modified_gmt":"2026-10-18T14:00:00","slug":"mortgage-approvals-still-demand-preparation-%f0%9f%8f%a1-think-you-need-20-down-to-buy-a-home-think-again-you-may-qualify-with-less-money-down-than-you-think","status":"publish","type":"post","link":"https:\/\/www.anytimemtg.com\/blog\/2026\/10\/18\/mortgage-approvals-still-demand-preparation-%f0%9f%8f%a1-think-you-need-20-down-to-buy-a-home-think-again-you-may-qualify-with-less-money-down-than-you-think\/","title":{"rendered":"Mortgage Approvals Still Demand Preparation | \ud83c\udfe1 Think you need 20% down to buy a home? Think again! You may qualify with less money down than you think."},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/susanne-diepers\/mortgage-approvals-harder-remotion-videos-2e2e\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Current federal data showed mortgage originations rose yearly for purchase, refinance, primary, vacation, and investment homes, signaling more lending activity without guaranteeing easier approvals.<br \/>\nA federal credit-tightness measure also moved higher, indicating more applicants inquiring about mortgages still did not end up opening new mortgage accounts.<br \/>\nBuyers should remember total lending can rise while access varies by borrower, since credit history, income, debts, assets, down payment, and documentation still matter.<br \/>\nPreapproval remained useful for planning, but final approval still depended on income, assets, debts, credit activity, and the property facing further scrutiny.<br \/>\nPreparation can improve a buyer&#039;s odds: review credit, organize income and asset records, track monthly debts, and avoid unnecessary financial changes during underwriting.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Current federal data showed mortgage originations rose yearly for purchase, refinance, primary, vacation, and investment homes, signaling more lending activity without guaranteeing easier approvals. A federal credit-tightness measure also moved higher, indicating more applicants inquiring about mortgages still did not end up opening new mortgage accounts. Buyers should remember total lending can rise while access [&hellip;]<\/p>\n","protected":false},"author":559,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/posts\/37","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/users\/559"}],"replies":[{"embeddable":true,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":0,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/posts\/37\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/media\/38"}],"wp:attachment":[{"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/media?parent=37"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/categories?post=37"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.anytimemtg.com\/blog\/wp-json\/wp\/v2\/tags?post=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}