Liz Steelman, with additional reporting by Leeza Dennis

If your interest on this site is any indication, buying your first home is a milestone you’d like to achieve in your future. But for many millennials in the United States, the American Dream has been postponed by towering student loan debt, stagnant wage growth, and exorbitant rental costs. All that being said, millennials are still buying homes more than other generations and in 2017, 38 percent of single-family home purchases were made by first-time homebuyers.

For many, the path to becoming a first-time homeowner is an uphill climb. Student debt, low wages, high housing prices, and massive down payments can mean putting home-owning dreams on the back burner. But a new report provides a flicker of light for wannabe home buyers: It’s getting pretty easy to land a mortgage again, regardless of these hurdles.