Changing mortgages

We can expect mortgages rates to continue a slow rise over the few weeks. But, I'm predicting nothing beyond March. Currently, there's no cause for alarm as high-LTV loan programs end. These programs were 97% Loan to Value. We will still have the FHA stand-by of 96.5% LTV. Conventional loans are 95% LTV.

We will still have two important no money down programs, USDA and VA loans.

LTV is a cash issue for buyers. So are closing costs, escrows, inspections, and appraisals. Perhaps as we deal with more regulatory changes, we will learn new ways to lower closing costs or reduce the cash needed to close.