logo
Cloudflare Is Blocking AI Crawlers by Default

Cloudflare Is Blocking AI Crawlers by Default

WIRED01-07-2025
Jul 1, 2025 6:00 AM The age of the AI scraping free-for-all may be coming to an end. At least if Cloudflare gets its way. Photograph:Last year, internet infrastructure firm Cloudflare launched tools enabling its customers to block AI scrapers. Today the company has taken its fight against permissionless scraping several steps further. It has switched to blocking AI crawlers by default for its customers and is moving forward with a Pay Per Crawl program that lets customers charge AI companies to scrape their websites.
Web crawlers have trawled the internet for information for decades. Without them, people would lose vitally important online tools, from Google Search to the Internet Archive's invaluable digital preservation work. But the AI boom has produced a corresponding boomlet in AI-focused web crawlers, and these bots scrape web pages with a frequency that can mimic a DDoS attack, straining servers and knocking websites offline. Even when websites can handle the heightened activity, many do not want AI crawlers scraping their content, especially news publications that are demanding AI companies to pay to use their work. 'We've been feverishly trying to protect ourselves,' says Danielle Coffey, the president and CEO of the trade group News Media Alliance, which represents several thousand North American outlets.
So far, Cloudflare's head of AI control, privacy, and media products, Will Allen, tells WIRED, over 1 million customer websites have activated its older AI-bot-blocking tools. Now millions more will have the option of keeping bot blocking as their default. Cloudflare also says it can identify even 'shadow' scrapers that are not publicized by AI companies. The company noted that it uses a proprietary combination of behavioral analysis, fingerprinting, and machine learning to classify and separate AI bots from 'good' bots.
A widely used web standard called the Robots Exclusion Protocol, often implemented through a robots.txt file, helps publishers block bots on a case-by-case basis, but following it is not legally required, and there's plenty of evidence that some AI companies try to evade efforts to block their scrapers. 'Robots.txt is ignored,' Coffey says. According to a report from the content licensing platform Tollbit, which offers its own marketplace for publishers to negotiate with AI companies over bot access, AI scraping is still on the rise—including scraping that ignores robots.txt. Tollbit found that over 26 million scrapes ignored the protocol in March 2025 alone.
In this context, Cloudflare's shift to blocking by default could prove a significant roadblock to surreptitious scrapers and could give publishers more leverage to negotiate, whether through the Pay Per Crawl program or otherwise. 'This could dramatically change the power dynamic. Up to this point, AI companies have not needed to pay to license content, because they've known that they can just take it without consequences,' says Atlantic CEO (and former WIRED editor in chief) Nicholas Thompson. 'Now they'll have to negotiate, and it will become a competitive advantage for the AI companies that can strike more and better deals with more and better publishers.'
AI startup ProRata, which operates the AI search engine Gist.AI, has agreed to participate in the Pay Per Crawl program, according to CEO and founder Bill Gross. 'We firmly believe that all content creators and publishers should be compensated when their content is used in AI answers,' Gross says.
Of course, it remains to be seen whether the big players in the AI space will participate in a program like Pay Per Crawl, which is in beta. (Cloudflare declined to name current participants.) Companies like OpenAI have struck licensing deals with a variety of publishing partners, including WIRED parent company Condé Nast, but specific details of these agreements have not been disclosed, including whether the agreement covers bot access.
Meanwhile, there's an entire online ecosystem of tutorials about how to evade Cloudflare's bot blocking tools aimed at web scrapers. As the blocking default rolls out, it's likely these efforts will continue. Cloudflare emphasizes that customers who do want to let the robots scrape unimpeded will be able to turn off the blocking setting. 'All blocking is fully optional and at the discretion of each individual user,' Allen says.
Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025
Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025

Yahoo

time21 minutes ago

  • Yahoo

Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025

The best no credit check business financing options in 2025 are gaining momentum as small business owners face tighter traditional lending standards and rising uncertainty in the economy. ROK Financial is meeting this demand with flexible loan programs, instant pre-approvals, and expanded access to capital for entrepreneurs across industries. By offering a range of solutions — from working capital and SBA loans to equipment and real estate financing — the company reflects a larger movement toward credit-independent funding that aligns with modern business needs. Austin, Aug. 16, 2025 (GLOBE NEWSWIRE) -- The information below is provided for general informational purposes only and does not constitute financial or professional advice. Funding availability, terms, and approval times may vary by applicant and lender. Always confirm details directly with the official provider before applying for financing. If you apply through links in this article, the publisher may earn a commission at no additional cost to you. Best No Credit Check Business Financing Demand Rises as ROK Financial Expands Access to Small Business Loans in 2025 Small business owners in 2025 face growing challenges securing traditional credit, driving demand for the best no credit check business financing options available today. ROK Financial positions its flexible funding programs as part of a wider movement toward alternative lending solutions that meet entrepreneurs where they are. From instant pre-approvals to expanded small business loan access, the company reflects a trend reshaping how owners approach capital needs. With economic uncertainty pressing harder than ever, credit-independent financing continues to draw attention nationwide. Across industries, the appetite for faster approvals, flexible repayment terms, and funding paths outside conventional banks is shaping the conversation. Entrepreneurs are exploring alternatives that keep operations steady without waiting months for traditional underwriting. This is where ROK Financial steps forward, aligning its suite of programs with shifting business priorities. Owners can now compare multiple loan types, from term loans and SBA financing to equipment or commercial real estate lending, all under one trusted source. Explore Small Business Financing Options with . Earlier press releases from ROK Financial, including and , have already emphasized the company's focus on credit-independent lending. These announcements align with wider business finance discussions, where small business owners continue to seek flexible solutions in uncertain conditions. Section 1: Why Interest in Best No Credit Check Business Financing Is Surging in 2025 The conversation around business financing in 2025 is being shaped by several undeniable pressures. Rising interest rates, tightened bank lending standards, and ongoing economic uncertainty have forced many small business owners to search for solutions outside traditional credit channels. In this environment, the best no credit check business financing options are drawing record levels of attention. Search data points to this surge in interest. Queries for 'business loan with no credit check,' 'fast small business funding,' and 'alternative business financing' have grown steadily in recent months. Online forums, business communities, and resource hubs reflect the same trend: owners are asking how to secure capital quickly without risking rejection due to imperfect credit scores. The momentum is not confined to one industry. Restaurants recovering from pandemic-era challenges, contractors bidding for new projects, retailers adjusting to digital-first competition, and logistics firms coping with supply chain volatility are all looking for ways to stabilize cash flow. This shift is also cultural. Business creators, side hustlers, and startup founders are more familiar with fintech platforms than with local bank officers. They expect funding to be accessible, digital-first, and responsive in days rather than months. The demand is not driven solely by desperation but by a recognition that the old model of credit-heavy lending no longer meets the realities of modern business operations. ROK Financial reflects this shift by presenting owners with practical entry points into credit-independent lending. Its platform allows business owners to compare term loans, lines of credit, SBA programs, and specialized financing types with a single application. For many, the availability of multiple choices without the weight of a high credit threshold makes the difference between delaying growth and moving forward. Section 2: No Credit Check Business Financing as a Response to This Shift The rise in demand for the best no credit check business financing has forced providers to rethink how they structure lending opportunities. Traditional banks often rely on rigid approval models that filter out many small business owners who have limited credit history or who carry scores below prime thresholds. This has left entrepreneurs searching for lenders who can respond to real-world challenges without creating impossible barriers. ROK Financial has positioned its platform as one of the answers to this shift. Rather than tying every approval to an applicant's credit score alone, the company evaluates the broader picture of business performance. Monthly revenue, time in business, and operational strength are given equal weight in determining funding eligibility. This approach is designed to give owners more than a single pathway toward capital. By offering multiple product types — from term loans and working capital to SBA loans and equipment financing — the platform empowers businesses to select what matches their immediate priorities. The application process mirrors the fast-paced environment small business owners operate in. Secure pre-approval can be obtained in seconds, offering a realistic view of potential funding without the drawn-out uncertainty common in bank interactions. Many owners view this as a relief in an era where time lost waiting for traditional underwriting can translate into missed opportunities. For example, a contractor needing equipment to take on a new project or a retailer planning an expansion cannot afford to pause for months. Flexible, credit-independent programs fill this gap. This shift also reflects a broader change in expectations. Business financing is no longer judged solely on interest rates but also on the accessibility of funds, the range of available terms, and the speed of disbursement. With approvals ranging from $10,000 up to $5 million and timelines measured in days rather than weeks, programs like those at ROK Financial represent an adjustment to market realities. For entrepreneurs who might otherwise be excluded from growth opportunities, these pathways provide a functional bridge between ambition and execution. Section 3: Inside the Platform, Program, or Service The discussion around the best no credit check business financing is not abstract — it comes down to the practical options available to owners navigating daily cash flow and long-term growth. ROK Financial structures its platform around multiple lending categories so that businesses can align funding with their unique circumstances. Each option carries its own balance of flexibility, timelines, and ranges, giving entrepreneurs the ability to choose what fits rather than accept a one-size-fits-all product. Term Loans and Working CapitalThese loans are often used by companies planning expansions, purchasing equipment, or covering short-term expenses. ROK Financial makes these loans available from $10,000 up to $5 million, with terms ranging from six months to ten years. The timeline for funding is fast, usually between one and three days. For businesses needing upfront capital with the ability to seek additional funding later, this category provides a straightforward entry point. Business Lines of CreditLines of credit are designed for owners who want ongoing flexibility rather than a single lump-sum disbursement. Businesses can draw as needed, repay, and then draw again. ROK Financial offers credit lines in the same $10,000 to $5 million range, with funding often released in one to three days. This appeals to owners who must manage cyclical expenses, seasonal dips, or rolling investment opportunities. SBA LoansSmall Business Administration programs remain an anchor in the financing world, yet they can be difficult to access through traditional banks. ROK Financial simplifies the process, offering SBA loans from $10,000 up to $5 million, with extended terms between ten and twenty-five years. Funding typically takes thirty to forty-five days, reflecting the additional paperwork required. For owners willing to plan ahead, SBA loans provide longer repayment timelines and government-backed support. Equipment FinancingCompanies in construction, logistics, healthcare, and manufacturing often face the challenge of securing equipment that can generate revenue but requires significant upfront cost. ROK Financial provides equipment financing in the range of $10,000 to $5 million, with terms spanning one to six years. Funding is often available in two to five days, giving owners a rapid path to acquiring essential assets without disrupting cash flow. Accounts Receivable and Purchase Order FinancingBusinesses with outstanding invoices or incoming purchase orders frequently need liquidity before payments arrive. ROK Financial supports accounts receivable and PO financing starting at $100,000 and scaling higher for industries such as trucking, oil and gas, construction, staffing, and medical services. These programs allow businesses to leverage aged invoices, often within two to five days, turning future receivables into present capital. Commercial Real Estate FinancingFor companies investing in property, ROK Financial provides commercial real estate loans ranging from $250,000 to $10 million. Terms extend from ten to thirty years, with funding available in approximately twenty-five to forty days. These loans are used for purchasing or refinancing properties, enabling businesses to secure long-term assets with structured repayment plans. By presenting this full suite of lending products, ROK Financial underscores the shift toward credit-independent flexibility. Owners are no longer forced to fit into a narrow lending box. Instead, they can evaluate multiple options, match funding type to their specific needs, and move forward without the delays and restrictions often associated with traditional credit channels. Section 4: What Online Users Are Saying About This Category The growing focus on the best no credit check business financing is visible across digital communities where entrepreneurs share their experiences and concerns. In forums dedicated to small business operations, owners frequently compare how fast alternative lending decisions arrive compared to traditional banks. Many describe the relief of receiving approvals in days instead of waiting weeks for conventional underwriting. On platforms such as TikTok and YouTube, creators discuss the broader appeal of financing options that do not depend exclusively on credit history. They emphasize the convenience of pre-approval tools and the accessibility of loans structured around revenue rather than personal scores. These conversations do not present guarantees but reflect genuine curiosity about how alternative lending works in practice. Podcasts and business-focused livestreams echo the same sentiment. Listeners are drawn to discussions about flexibility, particularly when experts note that credit-independent financing helps businesses stay operational during periods of economic pressure. While skepticism exists — especially around repayment terms and long-term sustainability — the cultural conversation illustrates that owners are increasingly open to exploring models beyond conventional bank financing. By analyzing these discussions, it becomes clear that demand for solutions like those offered by ROK Financial is not only practical but cultural. Entrepreneurs are reshaping expectations about how funding should work, and they are vocal about the need for speed, transparency, and accessibility. This online sentiment adds context to the surge in searches and applications for no credit check business financing, underscoring why the category continues to expand in 2025. Section 5: Who Might Gravitate Toward This Product in 2025 The appeal of the best no credit check business financing spans multiple industries and business stages. While every company has unique circumstances, several groups stand out as particularly aligned with flexible, credit-independent lending solutions. Entrepreneurs in fast-growth sectors often look for capital that keeps pace with their opportunities. Whether launching a new location, funding inventory, or expanding digital operations, these owners need access to funding that arrives quickly and adapts to evolving revenue streams. Traditional banks frequently struggle to meet this timeline, making platforms like ROK Financial more relevant than ever. Small businesses operating in industries with fluctuating cash flow also find value in alternative lending. Contractors, trucking companies, seasonal retailers, and restaurants often experience peaks and valleys that require capital at irregular intervals. For these owners, the ability to secure a line of credit or short-term financing without being judged solely on credit scores provides meaningful stability. Another group includes long-standing businesses that might have strong revenue but imperfect credit. These companies are often overlooked by conventional lenders despite proving consistent performance over time. By expanding qualification criteria beyond personal credit, ROK Financial enables these established businesses to pursue investments, hire staff, or upgrade equipment with greater confidence. Finally, startups and early-stage companies may explore alternative financing as a bridge toward larger opportunities. While they may not yet qualify for traditional SBA programs, revenue-based lending offers a foothold that helps them build momentum. With as little as six months in business and $10,000 in monthly sales, a young company can establish credibility and prepare for larger financing rounds in the future. Entrepreneurs in this position can in minutes through a streamlined pre-approval. In every case, the thread remains the same: business owners want funding designed for their realities, not a system that excludes them for falling outside rigid credit boundaries. This alignment is why credit-independent lending continues to expand as a defining trend in 2025. Section 6: Market Category Reflections – Why This Niche Is Expanding The rise of the best no credit check business financing is not an isolated trend. It is part of a larger shift in how business owners approach capital in an economy defined by volatility, technology adoption, and changing consumer behavior. Several forces are combining to expand the niche at an accelerated pace. One driver is the tightening of traditional credit. Banks remain cautious after years of economic uncertainty, raising barriers for small business borrowers. Higher minimum credit scores, longer approval timelines, and reduced lending appetite have left many entrepreneurs with few options. This gap has created space for credit-independent models to emerge and grow. Another factor is the growing role of fintech. Business owners are comfortable with digital-first tools, from accounting platforms to payroll systems, and they expect the same speed and simplicity from financing providers. Pre-approval processes that take seconds, transparent dashboards that show available terms, and flexible repayment schedules all reflect the broader fintech mindset. Cultural attitudes also contribute. A new generation of entrepreneurs is less tied to the idea that banks are the only source of legitimacy in lending. Instead, they prioritize outcomes: how quickly capital can be accessed, how repayment fits into cash flow, and whether the financing supports sustainable growth. This shift in thinking further normalizes the exploration of credit-independent lending. The broader financial conversation reflects these themes. Terms such as 'alternative lending,' 'digital-first funding,' and 'credit-independent financing' continue to rise in visibility across search engines and industry blogs. Owners are not only seeking funding; they are seeking options that match the realities of running a business in 2025. For ROK Financial, this environment reinforces its positioning. By offering multiple product types — from term loans and lines of credit to SBA, equipment, and commercial real estate financing — the company is aligned with where the market is heading. Business owners searching for alternatives beyond conventional credit paths are increasingly finding solutions within platforms designed around accessibility and speed. Those evaluating next steps can to see how different programs align with their needs. The niche continues to expand not because it is trendy but because it reflects real business requirements. As long as economic pressures persist and traditional credit remains restrictive, no credit check financing will remain a central part of the small business funding conversation. Section 7: Public Debate – Supporters, Skeptics, and the Signals Behind the Buzz The rapid growth of the best no credit check business financing has generated both support and skepticism in public discussions. Entrepreneurs, analysts, and community voices continue to weigh in, shaping the perception of credit-independent lending. Supporters often frame these programs as an essential lifeline for small businesses. They highlight how faster approvals and flexible qualification criteria allow owners to stay competitive in industries where timing matters. Many business owners share experiences of losing contracts or delaying expansions because traditional banks would not provide capital quickly enough. To supporters, alternative financing is not just convenient; it is critical to maintaining business momentum. Skeptics focus on questions about sustainability and long-term costs. Some argue that owners should be cautious about repayment structures and ensure that borrowed capital is matched with revenue growth. Critics warn against treating alternative lending as a blanket solution for all companies, pointing out that businesses still need to manage debt responsibly. This perspective adds balance to the conversation, reminding owners that financing decisions carry consequences. Neutral observers note that public forums remain divided. In Reddit threads, online Q&A sessions, and business webinars, participants explore both the opportunities and the risks. The consistent theme is curiosity: owners want to know how credit-independent programs work, whether they are accessible to businesses with limited history, and how they compare to conventional loans. For ROK Financial, these conversations demonstrate the importance of transparency. By clearly outlining terms, timelines, and eligibility requirements, the company provides owners with information to make informed choices. The availability of multiple loan types on one platform helps balance the debate, since businesses are able to select the structure that best fits their needs. The public debate will continue as the category grows, but what remains clear is that no credit check business financing has moved from a niche option to a mainstream consideration. The signals behind the buzz show both optimism and caution, reflecting a healthy marketplace where owners evaluate their options with increasing sophistication. Section 8: About ROK Financial ROK Financial has built its mission around expanding access to business financing in ways that align with real-world challenges. From its headquarters in New York, the company provides small business and commercial lending solutions designed to help owners move forward with clarity and confidence. By combining multiple product types into one platform, ROK Financial allows entrepreneurs to compare options, secure funding, and plan growth strategies without navigating disconnected providers. The company's values extend beyond transactions. Through its partnership with Feeding America, ROK Financial has helped provide more than one million meals to families in need. With each successful transaction, additional meals are donated, reinforcing the company's role as a financial partner that also invests in community support. This social commitment reflects a broader belief that business financing should contribute not only to economic growth but also to social responsibility. Transparency and accessibility remain central to the company's approach. Clear eligibility requirements, straightforward timelines, and responsive customer service set expectations for owners before they begin the application process. This emphasis on honesty and clarity aligns with the public demand for financial institutions that prioritize long-term relationships over short-term gains. Entrepreneurs seeking a financing partner built around trust, speed, and flexibility can to learn more about available programs and services. Section 9: Contact ROK Financial Email: info@ Phone: (833) 3-ROKBIZ Website: Section 10: Final Disclaimer This press release is for informational purposes only. The content herein does not constitute financial, legal, or medical advice. No Credit Check Business Financing is not intended to diagnose, treat, predict, or guarantee any result or outcome. Individual experiences may vary, and outcomes are not assured. Some links in this release may be promotional in nature and may lead to third-party websites. The publisher or author may receive compensation through affiliate commissions if a purchase is made through these links. This compensation does not affect the price you pay and helps support continued research and content publication. All statements made about product features, platform strategies, or financing content reflect publicly available information, user discussions, or historical trends, and are not endorsed or validated by regulatory bodies. Please perform your own research before making financial or purchasing decisions. CONTACT: Email: info@ Phone: (833) 3-ROKBIZ

Oil markets seen bearish after Trump-Putin Alaska meeting
Oil markets seen bearish after Trump-Putin Alaska meeting

Yahoo

time21 minutes ago

  • Yahoo

Oil markets seen bearish after Trump-Putin Alaska meeting

By Seher Dareen LONDON (Reuters) -Oil markets are set for a muted price reaction when they open on Sunday after U.S. President Donald Trump's and Russian leader Vladimir Putin's meeting in Alaska, at which Trump said a fully-fledged peace deal was the aim for Ukraine rather than a ceasefire. Trump said he had agreed with Putin that negotiators should go straight to a peace settlement - not via a ceasefire, as Ukraine and European allies, until now with U.S. support, have been demanding. Trump said he would hold off imposing tariffs on countries such as China for buying Russian oil following his talks with Putin. He has previously threatened sanctions on Moscow and secondary sanctions on countries such as China and India that buy Russian oil if no moves are made to end the Ukraine war. "This will mean Russian oil will continue to flow undisturbed and this should be bearish for oil prices," said ICIS analyst Ajay Parmar. "It is worth noting that we think the impact of this will be minimal though and prices will likely see only a small dip in the very near term as a result of this news." The oil market will wait for developments from a meeting in Washington on Monday between Trump and Ukrainian President Volodymyr Zelenskiy. European leaders have also been invited to the meeting, a source familiar with the matter told Reuters. "Market participants will track comments from European leaders but for now Russian supply disruption risks will remain contained," said Giovanni Staunovo, analyst at UBS. Brent settled at $65.85 a barrel on Friday, and U.S. West Texas Intermediate at $62.80 - both down nearly $1 before the talks in Alaska. Traders are waiting for a deal, so until that emerges, crude prices are likely to be stuck in a narrow range, said Phil Flynn, a senior analyst with Price Futures Group. "What we do know is that the threat of immediate sanctions on Russia, or secondary sanctions on other countries is put on hold for now, which would be bearish," he said. After the imposition of Western sanctions, including a seaborne oil embargo and price caps on Russian oil, Russia has redirected flows to China and India.

Big changes could mark a housing market 'sweet spot' this fall — are you ready to take advantage of them?
Big changes could mark a housing market 'sweet spot' this fall — are you ready to take advantage of them?

Yahoo

time21 minutes ago

  • Yahoo

Big changes could mark a housing market 'sweet spot' this fall — are you ready to take advantage of them?

Maybe you were planning to buy a house this year but haven't found anything yet — and panic is starting to set in because you're worried you've missed the housing market season. It's common you'll find a higher number of listed properties in late spring and summer. That means, if you're in the market for a new home, you have more options to choose from, but you also face stiffer competition. Traditionally, fall and winter are quieter, but if you find a place you like, you may be able to get a better deal on it. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan 'works every single time' to kill debt, get rich in America — and that 'anyone' can do it Shop Top Mortgage Rates Your Path to Homeownership A quicker path to financial freedom Personalized rates in minutes Potential homebuyers, however, may be able to take some comfort from the picture being painted by recent data that suggests this fall may be a great time to buy a new home. 'There's a lot of uncertainty out there, and some buyers are just waiting to see what happens,' Zillow senior economist Kara Ng said in an article published July 20. 'So, if you're able to buy, fall could be a sweet spot since you won't be competing against the pool of buyers waiting on the sidelines.' US housing inventory at a multiyear high One of the main reasons this fall is shaping up to be a good one for homebuyers is that, according to Zillow data, the inventory of homes for sale is the highest it's been since July 2020, with the number of listed homes up 20% from last year. At the same time, for the past two years, October has seen the highest inventory of the year as homes listed earlier remain unsold. Zillow anticipates this seasonal pattern will repeat this year after a 'lackluster spring' during which buyers didn't show up. A fall with high inventory and fewer buyers means that if you're in the market for a new home, 'you're likely to have more time to decide on your options,' Ng said. 'You have time to really consider if that home is the right fit for you.' With fewer buyers, you're also less likely to endure a bidding war for the home you want and you may have more negotiating power. Some sellers are lowering prices In some markets, prices aren't rising as quickly as they have been over the past few years. Home values across the U.S. grew by 45.3% between February 2020 to 2025, Zillow reported earlier this year — a rate that's more than double the historic rate of increase. As of July, the median sale price for all home types was $443,462, according to Redfin. But the market is cooling, and Zillow is predicting 'a decline of 1.4% in home values nationally by the end of the year.' Read more: Nervous about the stock market? Gain potential quarterly income through this $1B private real estate fund — even if you're not a millionaire. At the same time, 'the share of listings with a price cut in May climbed to 26%, and many sellers are sweetening deals with concessions such as covering closing costs or buying down mortgage interest rates for the first one to three years,' according to Zillow. These pricing dynamics could be a sign that the market is becoming more balanced in a way that 'favors buyers and sellers equally.' While Danielle Hale, chief economist at agrees that we're heading toward a more balanced market, she points out that this varies regionally and that affordability still remains an issue. 'Even with more homes on the market, buyer response has remained muted compared to what we'd expect from similar supply shifts in the past,' she said in a news release, commenting on mid-year housing forecast update. 'In regions like the South and West, inventory gains have been more substantial, but affordability constraints continue to weigh on demand,' she said. 'Meanwhile, the Northeast and Midwest remain tighter markets with relatively steadier buyer activity.' Are you ready to take advantage of a buyer's market? Whether you should take advantage of an improved buyer's market depends on your personal circumstances. If you're a first-time homebuyer, the Consumer Financial Protection Bureau suggests you have at least two years of reliable, regular, steady income, as well as good credit. Ramsey Solutions, which offers personal finance education, recommends you first pay off all your other debts and build an emergency fund with three to six months' worth of expenses. From there, you'll need to save up a down payment — preferably 20% or more so you don't have to pay mortgage insurance. You'll also need to budget in closing costs and have funds available for moving expenses. Before you start searching for houses, be sure you can afford all of your monthly housing costs, including your mortgage, property taxes, homeowners insurance and (potentially) homeowners association fees — all of which shouldn't total more than 25% of your take-home pay, according to Ramsey Solutions. Another consideration from Ramsey Solutions? How long you plan to live there. That's because 'it usually takes at least five years for a home's value to grow enough to keep you from losing money when you resell it.' If you can satisfy these requirements and still feel you're ready for homeownership, you may be looking at a market more friendly to buyers than the U.S. has seen in a long time. What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Here are 5 simple ways to grow rich with real estate if you don't want to play landlord. And you can even start with as little as $10 Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store