10/23/2026
You don’t need everything to be perfect before you start looking for your first home.
Three common myths:
Myth 1: You need 20% down. Not always. Down payment requirements vary by loan program, lender, and borrower.
Myth 2: You need perfect credit. Your credit profile matters, but perfect credit isn’t always required. It can still be worth having an early conversation with a lender to understand your options and terms.
Myth 3: You should wait until you feel completely ready. A realistic budget, a lender conversation, and a pre-approval can help you understand what fits before you begin shopping.
The right plan is the one that works for your goals, monthly budget, and timeline: not someone else’s.
If you’re considering buying in Bothell, Kirkland, Kenmore, Mill Creek, Woodinville, or the greater Eastside, start with questions and a plan. You don’t have to figure it all out at once.
