Does failing to qualify for a mortgage automatically mean you can't afford homeownership? Not necessarily.

And that's exactly the conversation we're having next on The Pulse.

Jennifer McGuinness-Lubbert & I are going to examine the gap between what borrowers demonstrate through years of consistent rental payments and what traditional mortgage underwriting requires.

From DTI and credit scoring to verified cash flow, rental history, and the true costs of ownership, we're asking some important questions: Are we measuring financial capacity correctly? Are existing underwriting tools being fully utilized? And what would a more practical, responsible path to homeownership look like?

We're gonna get into it and more next Tuesday at 1PM ET. Hope you can join us.

FHFA Director Bill Pulte announced that VantageScore® and FICO will soon be using the same LLPA grip - no more allowance for the lesser known challenger.

What does this all mean to the market and FICO?

*Released on Tuesday, Sep 15

Could housing help swing the midterms?

With affordability, mortgage rates and the cost of homeownership continuing to weigh on Americans, housing could become an increasingly important factor heading into the midterm elections.

On Episode 5 of The Pulse, Jennifer & I will break down the mortgage and real estate finance moves the administration could make, and whether they could have a meaningful impact on voters and ultimately the outcome of the midterms.

What could actually move the needle? And how much influence can housing policy really have at the ballot box?