{"id":20,"date":"2026-09-19T09:00:00","date_gmt":"2026-09-19T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/richhanlin-com\/2026\/09\/19\/quantitative-squeezing-spurs-creative-paths-to-homeownership\/"},"modified":"2026-09-19T09:00:00","modified_gmt":"2026-09-19T09:00:00","slug":"quantitative-squeezing-spurs-creative-paths-to-homeownership","status":"publish","type":"post","link":"https:\/\/www.richhanlin.com\/blog\/2026\/09\/19\/quantitative-squeezing-spurs-creative-paths-to-homeownership\/","title":{"rendered":"Quantitative Squeezing Spurs Creative Paths to Homeownership"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Over my 35 years in the mortgage business, I\u2019ve seen plenty of market cycles, but what we\u2019re seeing now is a real squeeze for renters dreaming of homeownership. The all-in cost of owning\u2014when you factor in insurance, taxes, and utilities\u2014often climbs above 50% of income for many renters. It\u2019s not just about the sticker price of a home; it\u2019s the layered costs that can make the difference between moving in or staying put. The 2026 ROAD to Housing Act aims to tackle this head-on by pushing for more affordable housing options near the places people actually want to live. But affordability shifts a lot from region to region, especially with the way insurance and taxes vary. As someone who\u2019s helped thousands navigate these challenges, I know how critical it is to look beyond the monthly payment and understand the true financial commitment. That\u2019s how you move from just wishing for a home to actually making it happen.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.housingwire.com\/articles\/all-in-homeownership-costs-renters-affordability\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Over my 35 years in the mortgage business, I\u2019ve seen plenty of market cycles, but what we\u2019re seeing now is a real squeeze for renters dreaming of homeownership. The all-in cost of owning\u2014when you factor in insurance, taxes, and utilities\u2014often climbs above 50% of income for many renters. It\u2019s not just about the sticker price [&hellip;]<\/p>\n","protected":false},"author":339,"featured_media":45,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/users\/339"}],"replies":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":0,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/posts\/20\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media\/45"}],"wp:attachment":[{"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/categories?post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.richhanlin.com\/blog\/wp-json\/wp\/v2\/tags?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}