- Housing News
- November 13, 2025
It Should Be Easier to Get a Mortgage Now That the Government Shutdown is Over
The longest government shutdown in U.S. history ended, which should make it easier for homebuyers and homeowners to secure new loans.
Clare Trapasso is the editorial director at New American Funding. She was previously the Executive News Editor for Realtor.com and a reporter for a Financial Times publication, the New York Daily News, and the Associated Press. She also taught journalism courses at several New York City colleges. She loves dogs, hiking and kayaking, and New York pizza.
The longest government shutdown in U.S. history ended, which should make it easier for homebuyers and homeowners to secure new loans.
Pricey rent and student loans, along with high prices and elevated mortgage rates, have made it harder for many to achieve homeownership.
President Donald Trump has floated the idea of creating 50-year mortgages to make housing more affordable for homebuyers. But would a 50-year mortgage make it cheaper to own a home? That depends.
It was even more difficult to achieve homeownership several decades ago, when double-digit interest rates were the norm.
Many homebuyers and homeowners are hopeful that the Fed's quarter-point cut will finally bring mortgage interest rates meaningfully down.
Mortgage interest rates hit their lowest point in more than a year.
Forget the old “rules” of homebuying. Most buyers aren’t putting 20% down when purchasing a home, but they’re still putting down more than they did before the pandemic.
Those hoping to ease into their mortgage payments may want to consider an adjustable-rate mortgage, also known as an ARM.
Mysterious footsteps in the dead of night. Inexplicable cold spots raising the hair on the back of your neck. If any of this sounds familiar, your home may be haunted.
Mortgage interest rates ticked back down again, luring more homebuyers back into the market.
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