Julian Hebron
There are 3 types of crypto mortgages: borrowing against crypto to buy a home, borrowing against crypto for down payment, and using crypto to qualify for mortgage income or reserve requirements
Mortgage rates are up .625% since Iran war began February 28. Even with this rise, rates are still down .625% since early-2025. And YoY home prices are flat, helping buyer affordability.
Home affordability is the best in 4 years, with median earners spending 27.4% of their incomes on median priced homes. This is down from 35.3% a year ago.
The Basis Point Live Blog from Optimal Blue Summit 2026 covers the current state of mortgage markets and fintech. Optimal Blue powers rate pricing for 35% of the mortgage industry's 2026 projected fundings of $2.2 trillion.
Treasury chief Bessent and Fed chair nominee Warsh say AI is reason to cut rates. Former NY Fed chief Dudley disagrees for 5 reasons.
With mortgage rates below 6% and median home prices $397k to $414k, you can buy a home with 5% down if you make $110k to $114k.
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