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The high cost of home ownership is also putting extreme pressure on 20 and 30-somethings as they try to balance mortgage payments, student loans. changed the habits of first-time buyers. They are.

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Veritas Funding, a Utah-based mortgage company, is the nation’s first mortgage lender to roll out electronic disclosures through Blend’s mortgage platform. “This new feature allows for more efficient,

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It doesn’t always take 20% down. Traditionally, lenders have preferred 20% down, but a lot of low down payment options are available, especially to first-time buyers. Mortgages guaranteed by the Federal Housing Administration, Department of Veterans Affairs or Department of Agriculture can be go-to low down payment loans.

Other signs of how strict lenders’ standards have become: The average purchaser of a home using a Fannie. to be slowing down. The average time from application to closing for all loans during the.