Banks with strong balance sheets and 750+ credit score borrowers profit, despite declining refinancing activity.
Experienced Real Estate agents with cash buyers thrive, while volume-dependent brokers struggle amid fewer transactions.
Builders offering incentives like rate buydowns succeed, while others face rising costs and unsold inventory.
Homebuyers with 750–850 scores or 20% down save thousands through lower rates and no PMI.
First-time buyers with <670 scores face higher payments, PMI, and challenges from student loan impacts.