{"id":15318,"date":"2026-03-12T09:54:37","date_gmt":"2026-03-12T15:54:37","guid":{"rendered":"https:\/\/www.richmondamerican.com\/agent-blog\/?p=15318"},"modified":"2026-03-17T10:03:39","modified_gmt":"2026-03-17T16:03:39","slug":"debunking-homebuying-myths","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/agent-blog\/debunking-homebuying-myths\/","title":{"rendered":"Debunking Homebuying Myths for your Clients"},"content":{"rendered":"\n

Whether you\u2019re talking with renters who feel stuck, first-time buyers who are intimidated by the process, or repeat buyers who think they\u2019ve seen it all, chances are you\u2019ll hear some persistent homebuying myths. Misinformation can delay decisions, discourage qualified buyers, and create unnecessary stress.<\/p>\n\n\n\n

The good news? Most of these misconceptions fall apart when you look at the facts. Here\u2019s a closer look at seven common homebuying myths and some material for you to share with your buyers to help them make more informed decisions during their house hunt:<\/p>\n\n\n\n

1. I need a sky-high credit score to get a mortgage.<\/h2>\n\n\n\n

FALSE.<\/strong><\/p>\n\n\n\n

A credit score in the 800s may get your client a better interest rate or a lower down payment requirement\u2014but they don\u2019t need \u201cperfect\u201d credit to buy a home. Many lenders accept scores of 620 or higher for conventional loans, and Federal Housing Administration<\/a> (FHA) loans may be available with scores as low as 580, with some lenders considering even lower scores based on income stability, assets, and debt levels. Be sure to tell your clients not to assume they\u2019re disqualified solely because of a number. A quick conversation with a lender can clarify their options and map out a path forward.<\/p>\n\n\n\n

Share this: <\/strong>What Credit Score is Needed to Buy a House?<\/a> | Why Did My Credit Score Drop: Possible Reasons & Solutions<\/a><\/p>\n\n\n\n

2. I have to save up 20% for a down payment.<\/h2>\n\n\n\n

FALSE.<\/strong><\/p>\n\n\n\n

The 20% down payment myth remains one of the biggest barriers to homeownership. While putting 20% down can eliminate private mortgage insurance (PMI) and lower monthly payments, it\u2019s not required. Many loan programs allow far less: conventional loans may require just 3% to 5% down, FHA loans often require 3.5%, and eligible service members, veterans, and certain surviving spouses may qualify for VA loans backed by the U.S. Department of Veterans Affairs<\/a>\u2014which can offer zero down payment options. Waiting years to save 20% could mean delaying potential equity growth; for many buyers, a smaller down payment makes it possible to enter the market sooner and start building their future.<\/p>\n\n\n\n

Share this: <\/strong>What Down Payment is Needed for an FHA Loan?<\/a> | How to Choose Financing Options: A Mortgage Infographic<\/a><\/p>\n\n\n\n

3. FHA loans are only for first-time homebuyers.<\/h2>\n\n\n\n

FALSE.<\/strong><\/p>\n\n\n\n

While FHA loans are popular with first-time buyers for their low down payments and flexible credit standards, they\u2019re not limited to them. Repeat buyers can also qualify if they meet eligibility guidelines, and in cases involving moderate credit challenges or limited cash reserves, an FHA loan may be a better fit than a conventional option. Backed by the Federal Housing Administration, the program offers flexibility that benefits a wide range of borrowers\u2014not just newcomers. Because home financing isn\u2019t one-size-fits-all, comparing FHA and conventional options helps buyers choose what best supports their financial goals.<\/p>\n\n\n\n

Share this: <\/strong>Deciding on a Conventional vs. FHA Home Loan<\/a><\/p>\n\n\n\n

4. I already used up my VA loan benefit.<\/h2>\n\n\n\n

FALSE.<\/strong><\/p>\n\n\n\n

Many believe VA loan benefits can only be used once, but eligible borrowers can reuse them multiple times. As long as a previous VA loan is paid off\u2014or entitlement is restored\u2014qualified buyers can use the benefit again for a new primary residence. The program is designed to support military families<\/a> long term. Borrowers generally can\u2019t carry multiple VA loans simultaneously unless they have sufficient remaining entitlement; a knowledgeable lender can help clarify eligibility and next steps.<\/p>\n\n\n\n

Share this: <\/strong>VA Loan FAQ for Military Homebuyers (& Military Spouses!)<\/a><\/p>\n\n\n\n

5. I can\u2019t qualify for a mortgage if I have other debt.<\/h2>\n\n\n\n

IT DEPENDS.<\/strong><\/p>\n\n\n\n

Debt matters when applying for a mortgage, but it\u2019s not automatically a deal-breaker. Lenders assess debt using the debt-to-income ratio (DTI), which compares monthly debt payments to gross income; many programs prefer 43% or less, though exceptions may apply with strong credit or substantial savings. Buyers with steady employment, manageable obligations, and otherwise healthy finances may still be well positioned to purchase\u2014and in some cases, owning can make more financial sense than renting, especially if rents are rising faster than income.<\/p>\n\n\n\n

Share this: <\/strong>The Benefits of Home Loan Prequalification<\/a> | Earnest Money vs Down Payment: What\u2019s the Difference?<\/a><\/p>\n\n\n\n

6. It\u2019s better to skip a starter home. <\/h2>\n\n\n\n

FALSE.<\/strong><\/p>\n\n\n\n

Some buyers feel pressured to wait until they can afford their \u201cdream\u201d home, worrying a smaller purchase will be a waste. In reality, a starter home can be a smart stepping stone. While values can fluctuate and gains aren\u2019t guaranteed, many homeowners build equity over time\u2014equity that can later help fund a move-up purchase. Homeownership can also offer stability, predictable payments with a fixed-rate mortgage, and potential tax advantages. Waiting indefinitely for the perfect property may mean missing years of equity growth and market participation. If your buyers are worried about not being able to afford their down payment, the links below should be of help to them.<\/p>\n\n\n\n

Share this: <\/strong>4 Real Estate Podcasts for New & Aspiring Homebuyers<\/a> | How to save for a down payment: 4 tips<\/a><\/p>\n\n\n\n

7. Mortgage payments are higher than rent.<\/h2>\n\n\n\n

IT DEPENDS.<\/strong><\/p>\n\n\n\n

Whether a mortgage costs more than rent depends on location, rates, home prices, and the buyer\u2019s financial profile. In some markets renting is cheaper short term; in others, mortgage payments can be comparable\u2014or even lower. It\u2019s also about what the payment builds: rent grows a landlord\u2019s equity, while a mortgage can build your own. Builder incentives, special financing, or temporary rate buydowns can narrow the gap further. The only way to know is to run the numbers\u2014many buyers are surprised by how attainable homeownership can be once they explore their options.<\/p>\n\n\n\n

Share this: <\/strong>The Power of the Rate: Afford More with Special Financing!<\/a> | What\u2019s So Special About Special Financing?<\/a><\/p>\n\n\n\n

Homebuying myths can create unnecessary fear and hesitation. By replacing assumptions with accurate information, buyers can make confident, informed decisions about their future. Encourage clients to ask questions, explore multiple loan options and speak with qualified professionals. With the right guidance, many renters and hesitant buyers may discover they\u2019re closer to homeownership than they ever imagined.<\/p>\n\n\n\n

\n
\n
\"Selling<\/a>\n <\/div>\n
\n

New to new home sales?<\/h4>\n

Get tips for selling the benefits of new construction, setting client expectations and more with our free guide for real estate agents.<\/p>\n

Get your copy<\/a><\/p>\n <\/div>\n <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

When it comes to house hunting, misinformation can delay decisions, discourage qualified buyers and create unnecessary stress. The good news? Most of these misconceptions fall apart when you look at the facts. This article takes a closer look at seven common homebuying myths\u2014and the truth behind them. Read more. <\/p>\n","protected":false},"author":14,"featured_media":15319,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[7],"tags":[161],"featured_image_src":"https:\/\/www.richmondamerican.com\/agent-blog\/wp-content\/uploads\/2026\/03\/Couple_Meeting_Real_Estate_Agent_original_2518221.jpg","author_info":{"display_name":"Matt Howshar","author_link":"https:\/\/www.richmondamerican.com\/agent-blog\/author\/mhow0520\/"},"yoast_head":"\r\nDebunking Homebuying Myths for your Clients - A blog for your sales success<\/title>\r\n<meta name=\"description\" content=\"This article debunks seven common homebuying myths that can prevent your clients from making informed decisions during their house hunt.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.richmondamerican.com\/agent-blog\/debunking-homebuying-myths\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Debunking Homebuying Myths for your Clients - 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