The Impact of Mortgage Guarantees on Home Affordability -
Mortgage guarantees have a significant impact on home affordability by making it easier for people to buy homes. They reduce the financial risk for lenders, allowing them to offer loans with lower down payments and better terms. This means that more people, even those with smaller savings or lower credit scores, can afford to buy a home. As a result, mortgage guarantees help increase homeownership rates and make housing more accessible to a wider range of buyers.
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