Real affordability starts with lower monthly costs.
Housing affordability remains the biggest challenge in homebuilding. Today the dream of owning your own home is out of reach for too many Americans. This issue is critical enough that the Trump administration has been weighing a potential national housing emergency declaration. But the solution isn’t just lower prices or temporary rate buy-downs. It comes from better understanding the total cost of homeownership and accurately reflecting that in mortgage underwriting.
High-performance homes reduce utility and operating expenses, helping improve long-term household affordability while lowering the ongoing cost burden for homeowners.
An estimated $200 per month in utility savings can deliver the same impact as a 75-basis-point rate buy-down if lower operating costs were factored into standard debt-to-income calculations. This would qualify almost 4 million more families for a home loan.
Arcxis is determined to help builders sell great homes, and we’re actively working with industry partners to advance this approach across the market.
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