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2025 Mortgage Delinquencies Tick Up: Will Housing Bounce Back OR Break Down?

On The Market

CHAPTER

Rising Mortgage Delinquencies: A Sector Review

This chapter explores the recent increase in mortgage delinquencies, particularly focusing on FHA loans that service low to moderate-income borrowers. While overall foreclosure rates remain low, the discussion highlights economic pressures like inflation and unemployment that pose challenges for these homeowners, especially first-time buyers. The chapter emphasizes the importance of monitoring delinquencies within the broader context of the housing market, noting that current conditions are not nearly as severe as those experienced during the mid-2000s housing crisis.

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