--- title: How Consumers Can Benefit From Easier Mortgage Loans | TIME description: Mortgage loans are easier to get now. Here's how to take advantage. canonical: https://time.com/video/dI4a8ChF/ og:title: How Consumers Can Benefit From Easier Mortgage Loans og:description: Mortgage loans are easier to get now. Here's how to take advantage. og:url: https://time.com/video/dI4a8ChF/ og:image: https://cdn.jwplayer.com/v2/media/dI4a8ChF/poster.jpg?width=720 og:type: video.other twitter:card: summary_large_image twitter:title: How Consumers Can Benefit From Easier Mortgage Loans twitter:description: Mortgage loans are easier to get now. Here's how to take advantage. twitter:image: https://cdn.jwplayer.com/v2/media/dI4a8ChF/poster.jpg?width=720 --- # How Consumers Can Benefit From Easier Mortgage Loans > Sponsored content. Supplied in partnership with TIME. 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They are at time.com/newsletters and are separate from a paid subscription. ## Video: How Consumers Can Benefit From Easier Mortgage Loans [Watch (HLS stream): How Consumers Can Benefit From Easier Mortgage Loans](https://cdn.jwplayer.com/manifests/dI4a8ChF.m3u8) (1:51)  _Published 2014-08-06. Mortgage loans are easier to get now. Here's how to take advantage._ --- Jul 27, 2023 5:06 PM UTC --- ## More From This Series [All Videos](https://time.com/video/) [Alexandria Ocasio-Cortez says it was easier for her to become a representative than pay off her student loans](/video/BTSUhsw8/) ### Alexandria Ocasio-Cortez says it was easier for her to become a representative than pay off her student loans [Is a Reverse Mortgage Right for You?](/video/D92KPuTm/) ### Is a Reverse Mortgage Right for You? [What Kind of Mortgage is Best for You?](/video/jAmqF7YX/) ### What Kind of Mortgage is Best for You? --- ## Transcript So there's a new report out this week that shows that it's getting easier for consumers to get approved for mortgages. And it's a survey from the Federal Reserve, that asks bank senior loan officers if they were easing their standards. And 25 % of them said that they were. It was mainly for folks with solid incomes, solid credit. But still. That's just a movement that they're seeing over the past three months. And that's the most significant movement that we have seen since the housing bust started years ago, and the ensuing financial crisis, so. So, this is a big deal. So what does this mean for consumers. Well maybe you just missed the credit score cut off that a lender required. Well now you may get the green light. So if you're looking for a loan, the question becomes where should you shop and if you are in the market for a jumbo loan, then you really want to hit the big banks. They often offer the best deals for large loans. But for everyone else who wants the traditional loan, lower than a $ 417, 000, you really want to shop both the big banks as well as the smaller community banks and credit unions, those smaller players usually offer the best deals for traditional loans, and they're also less rigid with their underwriting guideline. So you might have a little big more wiggle room and they might. Might be more flexible if you are struggling to meet some of the requirements. One thing that everyone should keep in mind is that rates are expected to go up. By the spring season, that's the busy buying season, next year, rates are expected to be well above 5 %. 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