Repeat Homebuyers in Texas and Florida Get Lower Rates: Here’s Why

Repeat homebuyers averaged 6.35% mortgage rates versus 6.44% for first-timers. Credit scores and down payment size, not special discounts, drive the gap.

Repeat homebuyers averaged 6.35% mortgage rates versus 6.44% for first-timers. Credit scores and down payment size, not special discounts, drive the gap.

78.2% of 38-year-old applicants in Texas received jumbo loan approval in 2025. See what lenders require: credit scores, liquid reserves, and income thresholds.