"Every year I meet families who have waited years to buy a home because they believed something that simply wasn't true.

The first myth is that you need 20% down. While putting more money down has benefits, many buyers qualify with much less through FHA, Conventional, or USDA loan programs.

The second myth is that your credit has to be perfect. Every loan program has different guidelines, and many buyers qualify with credit scores they never thought would work.

Another misconception is that renting is always cheaper than buying. Depending on your situation, a monthly mortgage payment may be comparable to your rent while allowing you to build equity instead of helping someone else build wealth.

Many people also believe they should wait until interest rates drop. While rates are important, home values also change over time. Waiting doesn't always save money.

Finally, many buyers think getting pre-approved will hurt their credit significantly. A mortgage inquiry is a normal part of the buying process and allows you to understand your financing options.

The best way to avoid misinformation is by asking questions. Every buyer's financial situation is unique, and getting advice from a trusted local mortgage professional can make all the difference."