The Best Personal Loans for First-Time Homebuyers in 2026
Only 21% of homebuyers are first-timers. Personal loans can fill closing-cost gaps, but state down payment assistance and specific lenders like SoFi and LightStream offer better terms.
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Fixed Mortgage Rates in 2025: Why State Assistance Programs Beat Conventional Loans for First-Time Buyers in Texas and Florida
State assistance programs save first-time buyers in Texas and Florida roughly a quarter-point on fixed mortgage rates in 2025, plus cover part of the down payment. Here's when conventional financing makes sense instead.