Homeownership preparation gap shows up in credit and payment-history assumptions

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HousingWire-reported survey results point to a simple sales reality: many would-be buyers are waiting on the sidelines because they misunderstand what lenders can evaluate.

HousingWire published survey findings on October 28, 2026, showing a homeownership preparation gap that loan officers will recognize right away: 34% of respondents delayed exploring homeownership because of credit assumptions. The report also said 52% want rent and utility payments counted when they are evaluated for a mortgage.

That matters because the issue is not only affordability or inventory; it is also borrower confidence and basic qualification education. When prospects believe their credit profile shuts the door before they ever talk to a lender, loan officers lose the chance to review options, set expectations, and build a realistic path forward.

Key takeaways

• HousingWire reported that 34% of surveyed consumers delayed exploring homeownership because of assumptions about credit.
• The same reported survey found 52% want rent and utility payments considered in mortgage qualification.
• For loan officers, the opportunity is early borrower education before prospects self-disqualify.
• The supplied material does not confirm the survey sponsor, sample size, methodology, or field dates.

Sources

• HousingWire — Building a better path to homeownership

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