2 Common Home Buying Myths


Here’s why potential buyers should think twice before counting themselves out.

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The two most common home buying myths are that you need to have 20% down and a credit score of 750 or higher. The truth is, you don’t even need a credit score of 700, and there are a ton of financing options available to you, some requiring as little as 3% down (others require nothing down, so long as you meet certain criteria).

I have plenty of clients who have less-than-perfect credit; we work with you and do what it takes to help you achieve homeownership. I would love to connect you with all of the resources you need to truly understand your capabilities as a homebuyer. 


If you have questions about down payments, credit scores, or whatever else is involved in the home buying process, feel free to reach out to me at any time.

Why Should You Care About Low Rates?


I’m sharing an example of a recent client’s purchase to illustrate
just what, exactly, low rates mean for a buyer today.


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Right now, you’re probably seeing mortgage lenders talk about low interest rates and that now is the time to buy.

For you, as a buyer, what does this actually mean? You don’t want an interest rate, you want a house; in a sense, these guys are selling you on the drill, but you just want the hole.

A low interest rate means that you’ll have a much lower monthly payment. For instance, I had a buyer yesterday get pre-approved for a USDA zero-down home loan, and their interest rate was 2.88%. The house was purchased for $150,000, so the payment, with a zero down loan, was $1,023. You can buy a home for $150,000 and pay less than what you’re paying in rent.

Those who have been in the military can qualify for a VA loan and get a rate that will probably be very similar, and your payment will likely be less than $1,000 on that same $150,000 house.

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A lower interest rate means that you’ll have
a much lower monthly payment.



So when you hear all this hype about interest rates, understand that it’s important for you to talk to a lender. If you guys need help with this, we have the best lenders in town, and we can connect you. They give you a free one-year home warranty and loads of knowledge; you won’t regret talking to Freedmont Mortgage.

Buyers care about the down payment and the monthly payment. Interest rates are great, but only because they allow you to afford more home for your money. Quick disclaimer: I’m not a lender, and I can’t give you numbers on paper, but I can encourage you to start the financing process just so you’re able to see where you stand.

If you have additional questions about this or any other real estate topic, you can reach out to me directly via phone or email. I’m always happy to help.

Should You Get a Home Inspection Before You List?


I’m answering the question of whether you should get a
home inspection done before you list your home.


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Should you get a home inspection before you list? Many clients have asked me this in the past. The truth is, there’s no right or wrong answer to that question. However, there are definite benefits to having a home inspection done before you put your house on the market.

If you get a home inspection done first, it alerts you to some of the things you may not have known needed to be fixed. Then you have an opportunity to mend those issues before the buyer comes along with their own inspection. (Yes, they should do a home inspection even if they know you’ve already had one done.) Then, when you’ve repaired things from your home inspection, the buyer’s inspection will be pretty good. However, another home inspector could find something the first one didn’t.

If you’d like to discuss home inspections further or have any other questions, call, text, or email me. I look forward to hearing from you soon.