"There are countless myths about buying a home, and unfortunately, many of them prevent people from becoming homeowners.

One of the biggest myths is that you need a 20% down payment. While putting more money down can have benefits, many buyers qualify with far less.

Another myth is that your credit has to be perfect. While credit is important, there are loan programs available for buyers across a wide range of financial situations.

Some people also believe they're too young, too old, or don't make enough money to qualify. Every buyer's situation is different, which is why it's important to have a personalized conversation instead of relying on assumptions.

I've also heard buyers say they should wait until rates fall before purchasing. While lower rates are always welcome, home prices and competition may increase at the same time.

The truth is that everyone's financial picture is unique.

Rather than relying on online rumors or advice from friends, take time to learn what options are actually available to you.

You may be much closer to homeownership than you think."