06/04/2026
MYTH: You need a huge down payment and thousands of dollars in the bank to buy a home.
The truth is, some buyers can purchase a home with 0% down and little to no money out of pocket.
Now, that doesn’t mean everyone qualifies, and it doesn’t mean it’s always the best option.
But every year I talk to people who spend months or even years believing they can’t buy a home because they don’t have 20% down.
In reality, there are loan programs that allow qualified buyers to purchase with 0% down, and there are situations where sellers, builders, or lenders can help cover closing costs.
I’ve helped buyers purchase homes who were convinced they needed tens of thousands of dollars saved up, only to find out they were much closer than they thought.
That’s why I always tell people not to disqualify themselves.
Talk to my lender. Build a plan. Understand your options.
The biggest mistake isn’t having questions.
It’s assuming homeownership is impossible without ever finding out what’s actually available to you.
If buying a home is something you’ve been thinking about, even if it’s a year or two away, I’d be happy to help you figure out what your options look like. No pressure. Just a plan