12/03/2025
New or returning buyers in 2026. This is for you!
MYTH: You need 20% down.
FACT: Most buyers put 3–5% down. Some programs even offer 0% down depending on your situation.
MYTH: You need perfect credit.
FHA accepts 580+, and conventional have removed its credit restrictions, which can be easier for individuals to qualify! Credit isn’t the dealbreaker people think it is.
MYTH: Renting is always cheaper.
FACT: Louisville rents continue creeping up year after year. A fixed mortgage doesn’t change — and every payment builds YOUR equity, not your landlord’s.
MYTH: Wait for rates to drop.
FACT: When rates fall, buyer competition spikes. You can always refinance later… but you can’t go back and buy a house that someone else already grabbed.
If you’re thinking about buying in 2025, let’s break down YOUR numbers, YOUR timeline, and build the play that fits YOU.
🏡 Jairus Bibb — Real Estate’s Point Guard
RE/MAX Five Star Properties
📲 502-319-0803
Let me know how I can assist you ;)