Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help

We know firsthand how tight lending standards have become, with home sales sitting near a 31-year low—something we see affecting families across our KC communities. High mortgage rates and rising costs are real hurdles, especially for those working hard to qualify. While new credit scoring models that count rent and utility payments are a welcome change, too many low-income and minority borrowers are still left out, despite showing strong records with low delinquency and default rates. At The KC Mortgage Duo, we believe everyone deserves a fair shot at homeownership. Our commitment is to guide you with transparency and care, helping you understand your options and navigate the process with confidence. We’re here to advocate for your goals—because to us, you’re more than just a client; you’re family.