05/19/2025
๐ฏ๐ด ๐๐ผ๐บ๐ฒ๐ฏ๐๐๐ถ๐ป๐ด ๐ ๐๐๐ต๐ ๐ง๐ต๐ฎ๐ ๐ก๐ฒ๐ฒ๐ฑ ๐๐ผ ๐ฅ๐ฒ๐๐ถ๐ฟ๐ฒ ๐๐บ๐บ๐ฒ๐ฑ๐ถ๐ฎ๐๐ฒ๐น๐...(Yes, even the one your best friend and cousin swears is true.)
Letโs clear the air, shall we?๐๐ฝโโ๏ธ
โก๏ธ1. โFind the house first, get pre-approved later.โ
Thatโs like shopping without your wallet. Get pre-approved firstโit shows sellers you're serious (and saves heartbreak).
โก๏ธ2. โThe listing price is what Iโll pay.โ
Maybe. But in todayโs market, you could pay more (in the case of multiple offers)... or less. It's not a menu priceโitโs a starting point.
โก๏ธ3. โStudent loans = no home for me.โ
No, no, and nope. Lenders care more about your monthly debt-to-income ratio than your total loan balance. Youโre not doomed!
โก๏ธ4. โI need 20% down or I canโt buy.โ
False. There are legit programs with 3%, 5%, even 0% down. The 20% myth needs a nap...for good.
โก๏ธ5. โMy credit has to be perfect.โ
Unless youโre planning to marry your credit score, perfection is optional. Many loans work with scores in the 580s.
โก๏ธ6. โNew construction? I donโt need an agent.โ
Builder reps are lovelyโbut they represent the builder. You still need someone watching YOUR back.
โก๏ธ7. โOnce the offerโs accepted, thatโs it.โ
Not quite. Home inspections can bring surprisesโand more negotiation power. Think of it as the sequel.
โก๏ธ8. โZillow told me the value.โ
Zestimates are like WebMD for homes. Good for curiosityโnot so much for accuracy.
โขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโขโข
๐กMoral of the story: Donโt let myths block your blessing. Work with a real estate pro who knows the real deal (Hi, itโs me!๐๐ฝ).
Have you heard other myths? Drop them belowโIโll gladly myth-bust them too.๐
Tamara Manuel | Realtorยฎ
TN & MS Licensed
๐BenchMark Realtors
๐ฑCall/Text: 901-644-6408
โ๏ธOffice: 901-692-9253
๐ฉEmail: [email protected]
๐ Search Homes: https://bit.ly/4ia3hb5
๐Schedule a Consultation: www.picktime.com/readytosellorbuy
Letโs connect! The Manuel Way is the only way!
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