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As housing affordability continues to challenge first-time buyers in 2025, exploring flexible financing options has become essential. Many are turning to programs like the FHA loan for lower down payment requirements, while others use the bank statement loan to qualify without traditional income documentation. To make informed decisions, buyers can calculate potential costs with the affordability calculator and plan monthly budgets using the mortgage payment calculator. For homeowners aiming to manage rising interest rates, reviewing refinance mortgage options can help achieve better financial stability in today’s evolving market.