06/17/2026
🏡💡 5 Common Home Buyer Myths—Busted! 💡🏡
Thinking about buying a home? Don't let these common myths stop you from exploring your options!
❌ Myth #1: You Need a 20% Down Payment
Many loan programs allow qualified buyers to purchase a home with much less down.
❌ Myth #2: You Must Be Debt Free
Having some debt doesn't automatically disqualify you. Lenders look at your overall financial picture, including your debt-to-income ratio.
❌ Myth #3: Pre-Qualification and Pre-Approval Are the Same
A pre-qualification is an estimate based on information you provide. A pre-approval is a more thorough review by a lender and can strengthen your offer.
❌ Myth #4: You Have to Pay All the Closing Costs
In some situations, sellers may contribute toward closing costs, depending on the market and negotiations.
❌ Myth #5: You Need a 700+ Credit Score
While higher scores can help you secure better loan terms, there are loan programs available for buyers with lower credit scores.
✨ The truth? Buying a home may be more achievable than you think!
Have questions about the home-buying process? Send me a message—I'd love to help you understand your options and create a plan that works for you.
