{"id":6328,"date":"2023-02-21T17:27:50","date_gmt":"2023-02-21T17:27:50","guid":{"rendered":"https:\/\/chenoafund.org\/?p=6328"},"modified":"2024-06-10T14:33:59","modified_gmt":"2024-06-10T14:33:59","slug":"the-case-of-the-disappearing-down-payment-and-how-to-solve-it","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\/","title":{"rendered":"The Case of the Disappearing Down Payment\u2014And How to Solve It"},"content":{"rendered":"<p class=\"has-black-color has-text-color\">Many Americans spend years saving up enough money for a down payment on a home. Under normal circumstances, the endeavor is a major struggle that takes hard work, diligence and sacrifice. But over the past year, the struggle has gotten harder than ever.<\/p>\n<p class=\"has-black-color has-text-color\">Thanks to inflation and the lingering impacts of the Covid pandemic, a lot of the cash that potential homebuyers have been trying to tuck away has been slowly disappearing. But there is something that lenders can do to help replace it.<\/p>\n<h2 class=\"has-text-color has-medium-font-size\"><strong>Identifying the Causes<\/strong><\/h2>\n<p class=\"has-black-color has-text-color\">The primary factor behind today\u2019s inflation is the pandemic and the resulting lockdowns and layoffs, which prompted consumers to spend less money. When the lockdowns ended and people got back to work, consumer spending soared, creating supply chain issues that ultimately resulted in companies raising prices.<\/p>\n<p class=\"has-black-color has-text-color\">In fact, according to the Fed\u2019s most recent Beige Book, which measures overall economic activity, inflation is particularly hurting the purchasing power of low- and moderate-income families. The impact can be clearly seen in the U.S. Consumer Price Index, a key economic indicator and measure of the nation\u2019s annual inflation rate. For the first time since 1990, the Consumer Price Index climbed over 6% during 2022, ending the year at 6.5%.<\/p>\n<p class=\"has-black-color has-text-color\">Another factor that\u2019s likely to increase consumer spending is the Biden administration\u2019s plan to end the Covid-19 public health emergency later this year, which is expected to cause vaccine prices and other virus-related healthcare costs to soar.<\/p>\n<h3 class=\"has-text-color has-medium-font-size\"><strong>Where the Money Went<\/strong><\/h3>\n<p class=\"has-black-color has-text-color\">While there are signs that a series of interest rate hikes by the Fed are starting to curb inflation, a growing number of Americans have been dipping into their hard-earned savings just to make ends meet. According to the U.S. Bureau of Economic Analysis, the U.S. personal saving rate stood 3.4% in December, a far cry from the 8.7% savings rate one year prior.<\/p>\n<p class=\"has-black-color has-text-color\">Just as troubling is the fact that many would-be homebuyers are using their savings to pay off rising credit card debt.<\/p>\n<p class=\"has-black-color has-text-color\">According to\u00a0<span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.transunion.com\/\"><strong>TransUnion&#8217;s<\/strong><\/a><\/span>\u00a0most recent Credit Industry Insights Report, credit card balances reached a record $866 billion during the third quarter of last year, an increase of 19% from one year prior.<\/p>\n<p class=\"has-black-color has-text-color\">As their cash disappears, homeownership can feel further out of reach for many Americans, even those who could afford monthly mortgage payments. That\u2019s especially the case for people of color trying to be the first homeowners in their family, as they often have less savings and fewer financial resources to begin with. So, what can lenders do to turn this situation around?<\/p>\n<h3 class=\"has-text-color has-medium-font-size\"><strong>Down Payment Assistance May Save the Day<\/strong><\/h3>\n<p class=\"has-black-color has-text-color\">In terms of <span style=\"text-decoration: underline;\"><a href=\"https:\/\/chenoafund.org\/homebuyer\/programs\/\"><strong>helping borrowers<\/strong><\/a><\/span> avoid draining their savings to buy a home, down payment assistance may be an excellent tool and is widely available to qualified, creditworthy borrowers nationwide. That&#8217;s why many lenders rely on CBC Mortgage Agency and its Chenoa Fund down payment assistance program to help their customers overcome their financial hurdles to homeownership.<\/p>\n<p class=\"has-black-color has-text-color\">CBC Mortgage Agency provides the\u00a0<a href=\"https:\/\/chenoafund.org\/\"><strong><span style=\"text-decoration: underline;\">Chenoa Fund down payment assistance program<\/span><\/strong><\/a>\u00a0(DPA) independently of any other government agency or entity, which allows us to create a broad range of DPA programs that help many first-time homebuyers. In fact, qualified borrowers can access the Chenoa Fund DPA for up to 5% of their home price.<\/p>\n<p class=\"has-black-color has-text-color\">Over the years, more than 40,000 borrowers\u2014including over 20,000 people of color\u2014have used the Chenoa Fund DPA to overcome their down payment hurdles. Your borrowers may be able to as well. Visit our\u00a0<a href=\"https:\/\/chenoafund.org\/\"><strong><span style=\"text-decoration: underline;\">website<\/span><\/strong><\/a>\u00a0to learn more about how your clients may be able to use the Chenoa Fund DPA to unlock the doors of homeownership.<\/p>\n<p class=\"has-black-color has-text-color\"><strong>CBC Mortgage Agency \u2013 NMLS 1186381<\/strong><\/p>\n<p class=\"has-black-color has-text-color\">For licensing information, go to\u00a0<a href=\"http:\/\/www.nmlsconsumeraccess.org\/\">www.nmlsconsumeraccess.org<\/a>.<\/p>\n<p class=\"has-black-color has-text-color\">Illinois Residential Mortgage License #MB.6761292. Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601 \u2013 1-888-473-4858. This information is provided by CBC Mortgage Agency and intended for real estate and mortgage professionals only. It is not intended for public use or distribution. Terms and conditions of programs and guidelines are subject to change at any time without notice. This is not a commitment to lend. Equal housing opportunity.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many Americans spend years saving up enough money for a down payment on a home. Under normal circumstances, the endeavor is a major struggle that&#8230;<\/p>\n","protected":false},"author":4,"featured_media":6329,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[36],"tags":[41,42,54,76,58],"class_list":{"0":"post-6328","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-chenoa-talk-homebuyer","8":"tag-cbc-mortgage-agency","9":"tag-chenoa-fund","10":"tag-down-payment-assistance","11":"tag-down-payment-assistance-challenges","12":"tag-homebuyers"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Case of the Disappearing Down Payment\u2014And How to Solve It - CBC Mortgage Agency<\/title>\n<meta name=\"description\" content=\"See how potential homebuyers are overcoming the down payment assistance challenges when it comes to buying a home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chenoafund.org\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Case of the Disappearing Down Payment\u2014And How to Solve It - CBC Mortgage Agency\" \/>\n<meta property=\"og:description\" content=\"See how potential homebuyers are overcoming the down payment assistance challenges when it comes to buying a home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/chenoafund.org\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\/\" \/>\n<meta property=\"og:site_name\" content=\"CBC Mortgage Agency\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ChenoaFundOfficial\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-21T17:27:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-10T14:33:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/chenoafund.org\/wp-content\/uploads\/2023\/09\/Blog-Image-1-768x401-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"768\" \/>\n\t<meta property=\"og:image:height\" content=\"401\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"James Bethe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Chenoa_Fund\" \/>\n<meta name=\"twitter:site\" content=\"@Chenoa_Fund\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"James Bethe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/chenoafund.org\\\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/chenoafund.org\\\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\\\/\"},\"author\":{\"name\":\"James Bethe\",\"@id\":\"https:\\\/\\\/chenoafund.org\\\/#\\\/schema\\\/person\\\/299cfb8c03905ace40291040893ccc4b\"},\"headline\":\"The Case of the Disappearing Down Payment\u2014And How to Solve It\",\"datePublished\":\"2023-02-21T17:27:50+00:00\",\"dateModified\":\"2024-06-10T14:33:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/chenoafund.org\\\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\\\/\"},\"wordCount\":700,\"publisher\":{\"@id\":\"https:\\\/\\\/chenoafund.org\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/chenoafund.org\\\/the-case-of-the-disappearing-down-payment-and-how-to-solve-it\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/chenoafund.org\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Blog-Image-1-768x401-1.webp?fit=768%2C401&ssl=1\",\"keywords\":[\"CBC Mortgage Agency\",\"Chenoa Fund\",\"down payment assistance\",\"down payment assistance challenges\",\"homebuyers\"],\"articleSection\":[\"Chenoa Talk - 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