IDK if we'll see that extreme. We probably will see 40 Year loan Mods from FHA by EOY, they've been getting guidelines around those ready for some time. But th

IDK if we'll see that extreme. We probably will see 40 Year loan Mods from FHA by EOY, they've been getting guidelines around those ready for some time. But that is a stopgap for borrowers that are falling behind, not for buyers hoping to get into a home. If I had to guess any can-kicks will be more gradual. 'First time homebuyer' grants would be a good candidate for tweaks on things like maximum income. I spent much of my 30s in a weird spot where I was just out of the range of eligibility for such programs, and it would have made a huge difference. > still 20% PSA: You don't -need- 20% down. I will say, if it's anything other than a starter home, you probably -should- have 20% down. But the biggest mistake I made in my 30s was worrying more about getting that 20% than just getting into the game. If I would have gotten in back in 2016, I would have been able to refi into a conventional anytime between 2019-2021 and come out ahead.