The home loan process can confuse first-time buyers as well as seasoned ones, regardless of whether they qualify for a loan. Today’s writers say obtaining a loan nowadays can be difficult for some, even with solid credit. They suggest changes to the qualifying process they say can benefit lenders as well as borrowers. The third piece urges Congress to pursue tax reform.

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Students line up after school for school buses at Sequoyah Middle School in Doraville on Wednesday, Dec. 10, 2025. The school’s principal told teachers not to talk to students about ICE, and teachers and activists are pushing back. (Arvin Temkar/AJC)

Credit: arvin.temkar@ajc.com