Is the idea of having a home of your own become more important to you? It’s totally understandable that you reach a point that you don’t want to rent anymore or you want a home that better reflects your needs and wants.

When you purchase a house, a condo or a town home, you are not just buying a place but a “home” where you can put down roots, make it truly yours, and create a life.

Paint that wall whatever color your heart desires. Put all the holes you want in the walls. It’s all yours now!

Think You Can’t Buy Right Now?  Think Again…

If you are hesitant about moving forward because you aren’t sure if you are “ready,” my series is just for you — The 5 Most Common Home-Buying Myths BUSTED.

Anything you think is in your way can be removed if you really want to be a homeowner.  In fact, you’ll find out that some commonly perceived roadblocks are only myths, and don’t need to delay your dreams anymore.  

Let’s Bust Some Myths

Over the next five weeks, I’ll be taking common myths that many would-be homeowners think are standing in their way and giving you the honest truth about whether any should stop you from moving forward with becoming a homeowner.

Here’s a rundown of topics that will show you that buying a home can be done in a way that is affordable without making you house poor or full of regret.

Look out for the next five weeks for each of these articles below:

How to Buy a Home Even With Student Loan Debt

Myth:  I can’t buy a home; I have too much student loan debt.

Truth: You can buy a home even with student loan debt, and there are even special types of loans for people like doctors who have way more school debt than most of us.  

For this week, you’ll learn ways you can work with lenders and look into assistance programs that can make owning a home affordable and very doable.

How to Find Money for Your Down Payment, When You Don’t Have Much Savings

Myth: I don’t have 10% or 20% to put down; I need to keep saving.

Truth: There are all sorts of responsible ways to find money for your down payment and, depending on your income (the lower the better), there are certain loan programs that require as little as 3% down to buy your first home.

For this week, you’ll see that even with stricter lending requirements now, there are ways you can find cash for your down payment and it shouldn’t be too daunting for any first-time buyer.

Don’t Be Derailed By Your Credit Score

Myth:  I need a high credit score in order to buy a home.

Truth:  There are benefits to having a high credit score when it comes to buying a home, but there are loan programs and options for people who have less than perfect credit.

There are ways to quickly improve your credit score and things you should avoid that could actually hurt your score.  For this week, I’ll clear all this up for you and let you know how to get your credit score up quickly and also what loan programs will work for those whose score can’t get any higher.

Renting vs. Buying – Your Break Even Point Is Sooner Than You Think

Myth:  My life is in flux so I shouldn’t buy.  I’m not sure if I’ll be in this location for long. What if I meet someone, get a different job, and my life changes?, It’s better if I wait to figure all that out first.

Truth: You don’t have to live in your first home forever for it to still be a good idea. You can still get the benefits of owning a home—tax deductions and equity instead of throwing your money away in rent.

For this week, you’ll learn what you need to consider when it comes to your time frame and what other factors make buying a financially good decision for you rather than to keep renting.

The Benefits of an Investment Property

Myth:  If I’m not going to live in the property for a long time, it doesn’t make sense to buy.

Truth: Buying a home and living in it for a few years can lead to a great investment property.

Have you ever wondered whether it would be a good idea to rent out a home as an investment property? For this week, you can find out why this could be a good option for you once you look at potential expenses and profit in the long-term. You’ll also learn what you need to consider before you start looking at properties.

Let’s Determine What’s Right For You

I am excited about this series and hope to inspire those of you who want to become homeowners.  I realize buying a home is not the right move for everyone at certain times. We can discuss how to know when the time is right for you and that it’s okay to go slow.

But, I also know there are a lot of people out there who want to buy a home, and one of these myths may be stopping you.  If you have a dream of owning a home of your own, I want to separate myth from fact and help you move forward if you can.  If that’s you, email me and we can help make this dream a reality for you.

Chances are it’s more possible than you might think.