first-time homebuyer affordability
Mortgage Rates vs First‑Time Homebuyers
Mortgage Rates vs First-Time Homebuyers Mortgage rates directly shape what first-time buyers can afford; a 20-basis-point rise in April 2026 adds about $250 to a $350,000 loan payment, pushing many beyond comfortable debt levels. Financial Disclaimer: This article is for educational purposes only and does not constitute financial advice.