wealthschema/archetypes/mb-01-first-time-homebuyer
MB-01Mortgage & LendingAccumulationlow tax complexity

First-Time Homebuyer

First-time buyer navigating down payment assistance, FHA/conventional loan choice, PMI, closing costs, and affordability stretch in a high-rate environment.

Fintech builders, financial software makers, and compliance teams use the MB-01 — First-Time Homebuyer archetype across six of WealthSchema's synthetic household data sets to model households matching the First-Time Homebuyer archetype without exposing real customer PII.

Age Range
27–40
Net Worth
$0–$100k
Cohort
Mortgage & Lending

Schema fields covered

Every MB-01 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.

members[].age
income.combined_gross
net_worth.total
filing_status
longitudinal.monthly[].net_cash_flow
longitudinal.monthly[].savings_rate
stress.scenarios[]
liquidity.months_of_expenses

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Life Stage

Formation
Accumulation
Preservation
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