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Rising Interest Rates Threaten Housing Affordability, but Millions Can Qualify for a Cheaper Mortgage

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Lenders have the power to help borrowers save money on a new home loan.

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Jun 22, 2022 09:00 EDT

Many home buyers who believe they have been priced out of the housing market by the combination of higher property values and interest rates may qualify for a lower rate and don’t know it. That’s one of the insights from the most recent Mortgage Credit Potential Index (MCPI) from CreditXpert, the predictive credit score platform that helps lenders quickly identify an applicant’s near-term credit potential.

The MCPI is a monthly analysis of mid-score mortgage credit inquiries by 20-point band that serves as an indicator of changes in mortgage…

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