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Bank of America tests no-down-payment mortgages for Black, Latino homebuyers
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Bank of America tests no-down-payment mortgages for Black, Latino homebuyers
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Bank of America tests no-down-payment mortgages for Black, Latino homebuyers
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Home affordability is making a small comeback, improving for the second consecutive month in July. The national median payment by applicants decreased to $1,844 from $1,893 in June. The Mortgage Bankers Association's (MBA) Purchase Applications Payment Index (PAPI), measures how new monthly mortgage payments vary across time relative to income. A decrease in the PAPI indicates an improvement in borrower affordability conditions, occurring when loan application amounts decrease, mortgage rates decrease, or earnings increase.