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Is April 2024 a Good Time to Buy a Home?
The 100% HELPER Act Mortgage
The $25,000 Downpayment Toward Equity Cash Grant
The Biden $15,000 First-Time Homebuyer Tax Credit
$10,000 First-Time Home Buyer Mortgage Relief Credit
14 Grants & Programs for First-Time Home Buyers
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170+ Mortgage Statistics
Generational Home Buyer Statistics
Annual HMDA Home Buyer Study
Most Popular Places for Vacation Homes In Every State
Gen Z Home Buyer Distribution By Location
Younger Millennial Home Buyer Distribution By Location
Older Millennial Home Buyer Distribution By Location
ZIP Code Invasions: Gen Z
ZIP Code Invasions: Younger Millennials
ZIP Code Invasions: Older Millennials
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Mortgage Rate Assumptions
The mortgage rates shown are based on assumptions about you, your home, and the state in which you plan to purchase. The rate shown is accurate as of , but please remember that mortgage rates are subject to change without notice.
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The Downpayment Toward Equity Act gives up to $25,000 as a cash grant to first-time, first-generation home…
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First-time home buyer grants and programs help renters achieve their American Dream of homeownership. Here are 16 popular programs you can use right…
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The First-Time Homebuyer Act of 2024 is a new bill that gives first-time home buyers up to $15,000 in federal tax credits paid as cash or claimed for…
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The government gives first-time buyers extra help: Mortgage rate discounts, low-down payment mortgages, reduced mortgage insurance…
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This unbiased article examines current mortgage rates, recent home values, and market sentiment to show why April 2024 looks like a good time to buy…
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The FHA loan, backed by the Federal Housing Administration, is the original low-down payment mortgage for first-time home…
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USDA loans are 100% mortgages backed by the USDA. They're known for low mortgage rates, discounted mortgage insurance, and no down payment…
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The VA Loan is an optional, no-down payment mortgage for active military members, discharged veterans, and surviving…
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A conventional mortgage is a home loan backed by Fannie Mae or Freddie Mac, the two government agencies that make up the Federal Housing Finance…
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Mortgage Rate Assumptions
The mortgage rates shown are based on assumptions about you, your home, and the state in which you plan to purchase. The rate shown is accurate as of , but please remember that mortgage rates are subject to change without notice.
The mortgage rates shown are based on assumptions about you, your home, and the state in which you plan to purchase. The rate shown is accurate as of {{ formatDate(rates[0].createdAt) }}, but please remember that mortgage rates are subject to change without notice.
Our mortgage rate assumptions may differ from those made by the other mortgage lenders in the comparison table. Your actual mortgage rate, APR, points, and monthly payment are unlikely to match the table above unless you match the description below:
You are a first-time buyer purchasing a single-family home to be your primary residence in any state other than New York, Hawaii, and Alaska. You have a credit score of {{ rates.length ? rates[0].fico : '760' }} or higher. You are making a down payment of twenty percent and using a 30-year conventional fixed-rate mortgage. You earn a low-to-moderate household income relative to your area.
The information provided is for informational purposes only and should not be confused for a mortgage rate commitment or a mortgage loan approval.
Legal Disclosures
{{ rate.lender }}. The {{ formatRate(rate.rate) }} mortgage rate ({{ formatRate(rate.apr) }} APR) shown above for {{ rate.lender}} is based on information published on the lender's website and retrieved on {{ formatDate(rate.createdAt) }}. According to its website, {{ rate.lender }}'s published rate requires home buyers to pay {{ formatPoints(rate.points) }} points at closing, totaling {{ formatDollars(rate.cost) }}, on an example {{ formatDollars(rate.loanAmount) }} 30-year fixed-rate conventional mortgage. Its mortgage rate assumes the home buyer will make a {{ formatDollars(rate.downPayment) }} downpayment or larger and purchase a single-family residence. Its mortgage rate also assumes that the home buyer will have a credit score of {{ rate.fico }} or higher. The monthly payment for the mortgage with the above terms is {{ formatDollars(rate.monthlyPayment) }} for 360 months, plus taxes and insurance premiums. {{ rate.lender }} provides this information for estimation purposes only and does not guarantee accuracy. Your mortgage rate, APR, loan size, and fees may vary.
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