
On June 24, the Department of Housing and Urban Development (HUD) issued a Request for Information (RFI) to evaluate how Buy Now Pay Later (BNPL) loans may affect FHA-insured mortgage underwriting. The RFI seeks comment on whether short-term, unsecured BNPL debt may distort borrowers’ debt-to-income calculations and undermine housing affordability. Comments are due by August 25, 2025.
Continue Reading HUD Requests Public Input on Buy Now Pay Later Loans and FHA Mortgage Eligibility