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The Credit Tightrope: Understanding the Power of Underwriting Standards in Housing Accessibility
May 11, 2025by Dr Dawkins Brown
Walking the Credit Line In the modern housing market, access to homeownership is increasingly determined not just by a buyer’s willingness or even ability to pay, but by their ability to meet a series of highly technical lending criteria. Among the most influential—and often misunderstood—are underwriting standards, especially front-end mortgage payment-to-income ratios (PTIs). These standards,...
