The Five Myths that Create Barriers to Homeownership

• Myth #1

"I don't have enough money for a down payment.
In the past, buying a home required a 20% down payment. But not today. In fact, 7 out of 10 first-time homebuyers make a down payment of 10% or less. We have loan programs that can help you buy a home without a lot of cash, or any at all.

• Myth #2

"I have less-than-perfect credit, so I can't get a mortgage."
A less-than-perfect credit history doesn't have to stand in your way of reaching your homeownership goals. We have helped thousands of individuals move beyond credit challenges into homes of their own.

• Myth #3

"It's less expensive to rent, and now may not be the right time to buy."
In fact, you may be surprised how much home you can buy for the same rent check you're sending innow, especially when you consider the tax advantages of homeownership*. And unlike rental costs, your monthly principal and interest payments will stay the same for the life of a fixed-rate mortgage. Because home prices historically increase (and only occasionally decline), buying as soon as you're able is can be a more effective strategy than trying to time the real estate market. Moreover, as a homeowner, you'll be building wealth as your home equity grows.

• Myth #4

"The whole mortgage process is too long and complicated."
We want to make buying your first home as easy as possible. We will help you through each step of the financing process.

• Myth #5

"I won't be able to fit a mortgage in my budget."
Our goal is to help you succeed financially, so we'll carefully review your loan options with you and help you choose the loan that's right for you. With a loan that fits your budget and your financial goals, your home will be a powerful tool in building a secure future for you and your family.

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