Credit scores, down payments, and mortgage points remain key levers shaping 2025 homeownership access.
Strong credit unlocks lower rates, large down payments reduce PMI, and mortgage points cut interest costs.
Mortgage rates may stabilize near 6% by late 2025, with home sales ↑ 2–5%.
AI and machine learning will streamline underwriting, improving lending efficiency and expanding borrower access.
Investors should track Fed policy, housing starts, inflation, and regional demand for strategic positioning.