It's definitely written by someone who doesn't understand how mortgages work in the US. That "someone" could certainly be an LLM.

> However looking at the percentage of the total value put down as a down payment in those states (10%) indicates homebuyers there tend to have longer repayment plans.

edit: or being more charitable, I'm completely misinterpreting this passage? Down payments don't change the length of a mortgage.

Yes, they link to Bankrate [0] where FL has a median of $66k, HI is at $210k and CA at $141k. And the numbers they present at the lower end seem much too low as well. None of this makes sense.

[0] https://www.bankrate.com/mortgages/average-down-payment/#wha...