Reading alot of articles saying banks raising mortgage down payment minimums to 20%. (I know all the benefits and why it’s best practice) that being said any thoughts on how long that will last?

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I hope a long time to force housing prices to come back down to realistic levels

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Would that really lower housing prices though?

What’s preventing real estate investment firms, and anyone else with the means, from buying up all the real estate others can’t afford (bc of that rule) and using it as rental property, instead of the market accommodating buyers with lower prices?

Has that not always been 20% otherwise you have to buy PMI?

Yes - now you can’t get the loan period

I can’t give you a real answer, but I’m guessing not very long because eventually they’ll want to make money.

This is not the rule. The only big lender requiring this right now that I'm aware of is Jpm. I'm currently in the process of building a house and my lender has no issues with me putting down 10 percent.

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