As the spring homebuying season approaches, mortgage lenders and servicers are watching closely for signs of a long‑awaited inflection point. Interest rates have begun to ease, buyer sentiment is improving, and some sidelined demand is cautiously reentering the market.

Lower rates will matter. But they are not, on their own, enough.

Experience from the last housing cycle—and data from today’s borrowers—suggests that sustainable homeownership depends far less on the note rate at closing than on a household’s ability to manage cash flow over time. As affordability pressures persist, this spring represents an opportunity for the industry not just to details ⇒

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