Tag Archive for: first-time homebuyers

Average Age of First-Time Homebuyers in 2026: The Real Data

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If you’ve seen the headline that the typical first-time homebuyer is now 40 years old, you’re not alone. That stat from the National Association of Realtors got picked up by […]Read More

Low Down Payment Programs for Texas First-Time Buyers 2026

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Texas offers some of the most affordable major metro housing markets in the country, and when combined with generous state and local down payment assistance programs, first-time homeownership becomes even more accessible. This 2026 guide breaks down every major low down payment option available to Texas buyers, including VA and USDA zero-down loans, TSAHC Home Sweet Texas and Texas Heroes grants, FHA financing, HomeReady, and local programs in cities like San Antonio, Houston, and Austin. Learn how to stack assistance programs, minimize upfront costs, and choose the right strategy based on your income, profession, and credit profile.Read More

Uh Oh. First-Time Buyer Median Age is 38! Average Age Of Buyers Is 56! Solutions?

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In the 1990s, I rarely had a first-time homebuyer over the age of 30. But, by the end of last year, the average age of first-time homebuyers was 38, as this recent Darth Powell post illuminates.Read More

First-Time Homebuyers Get Much Lower Rates, Unless….

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Real Estate Agents – Here are some extremely important reminders about first-time homebuyer interest rates. I have been in the mortgage industry since 1994, and for 25+ years, I would […]Read More

Getting Nervous Buyers Off The Sidelines; All The Crashes We Didn’t See

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I often remind readers that mortgage rates have fallen almost 2% since October of last year. And, per NAR, every 1% drop in mortgage rates enables an additional 5 million buyers to qualify for a mortgage. Read More

Turning Fannie Mae’s First-Time Buyer “Credits” Into Very Clever Marketing; Buyer Beware

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Both Fannie Mae and Freddie Mac offer far lower rates for first-time homebuyers than they do for similarly qualified repeat buyers.Read More

Price Limits For First-Time Homebuyers? Other Limits?

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We have had young first-time homebuyer tech employees come to us wanting to buy $2 million+ homes with $400,000 to $500,000 down payments – and there were no major issues. […]Read More

Everything Homebuyers Need To Know About FHA Loans

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Are you looking to buy your dream home but worried about the hefty down payment? FHA loans might be the perfect solution for you! Whether you're a first-time homebuyer or someone who wants to upgrade to a new property, FHA loans offer a variety of benefits that can make the homebuying process easier and more affordable. In this comprehensive guide, we'll explore what FHA loans are, how they work, and how you can get one.Read More

Unlock Your Dream Home with a 1% Down Payment Option

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Saving up for a down payment can feel like an insurmountable hurdle, but what if there was an option that allowed you to put down just 1% of the loan amount? Thanks to a new loan program, this dream can become a reality. In this blog post, we'll explore the new 1% down payment option now available for homebuyers and provide answers to frequently asked questions, so you can make an informed decision about your homeownership journey.Read More

Lenders Giving Away Farms To Generate Volume! 1% Down Loans!

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Some extraordinarily advantageous mortgage offerings have surfaced in recent weeks. This is for two reasons: (1) Lenders (or investors that buy loans) are desperate to generate volume; and (2) Lenders/investors […]Read More

TSAHC Programs: A Pathway to Homeownership in Texas

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TSAHC's Homes for Texas Heroes and Homes Sweet Texas Home Loan Programs provide down payment assistance and home loans to homebuyers in Texas.Read More

100% Financing With CalHFA’s Dream For All Program

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PROGRAM UPDATE AS OF 4/6/2023: We were just informed by CalHFA that the Dream For All program will be paused on Wednesday, April 12th, and likely will be out of funds by Monday, April 10th. Please contact us to discuss alternative financing options at (855) 855-4491 or jvmteam@jvmlending.com.Read More

Rates Climbed 1% in February! Great Opportunity For Buyers!

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Why Is My Client’s Rate So High? That is a question we have heard from several agents over the last week. The primary reason is usually just a misunderstanding of […]Read More

Fannie Mae Is Raising Rates for STRONG Borrowers

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Approximately 85% of FHA loans are for first-time homebuyers. In contrast, about 50% of Fannie Mae’s and Freddie Mac’s “conforming loans” are for first-time homebuyers. As a quick reminder, FHA […]Read More