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Mortgage & Home Finance

There are many paths to owning a home, and banks are prepared to help customers safely navigate whichever path they choose. Whether by advocating for commonsense lending regulations or educating consumers on their options, ABA helps banks and their customers navigate today's mortgage environment.

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Current residential lending regulations can restrict choice, eliminate financial options and force a standardization of products that make it difficult for community banks to meet their customers’ needs.


25th Annual ABA Residential Real Estate Survey Report

For example, 74% reported that Ability-to-Repay (ATR) / Qualified Mortgage (QM) rules reduced credit availability, with 70% reporting a moderate decline.

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Related Training & Events

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ABA Resources

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How Do Consumers View the Mortgage Application Process?

When it comes to the largest financial decision most consumers will ever make, 60% prefer to apply for a mortgage in person.

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Policy Analysis & Advocacy Efforts

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Mortgage & Home Finance Regulatory Proposals

Our Experts

Rod Alba

SVP, Real Estate Finance, Mortgage

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Sharon L. Whitaker

VP, Commercial Real Estate & Finance, Mortgage

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Deborah Whiteside

SVP, Endorsed Solutions

Innovation & Finance

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Shelly Loftin

SVP, Retail Banking, Lending & Payments

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