The Biggest Home Buying Myth That’s Costing People Thousands
There’s one belief that stops more people from buying a home than high prices or interest rates ever will.
It sounds reasonable. It can even feel responsible, but unfortunately it quietly costs buyers thousands of dollars over time.
The Myth
“I need perfect credit before I can buy a home.”
This idea keeps people waiting, stressing, and overcorrecting often for years when they’re actually much closer than they think.
Why This Myth Persists
Credit scores are easy to obsess over because they’re visible. Apps show them daily and online advice makes it seem like one number determines everything.
But in reality, lending decisions aren’t based on a single score. They’re based on the full picture.
Why It’s Wrong
Your credit score matters, but it’s not the whole story.
Lenders also look at:
Payment history and consistency.
Income stability.
Debt-to-income ratio.
Cash reserves and overall profile.
I’ve seen buyers delay for years trying to “perfect” their score, only to miss opportunities they could’ve taken much earlier with the right strategy.
What Actually Matters Instead
Preparation beats perfection.
A clear plan knowing what to improve, what to avoid, and what already works in your favor, often saves more money than chasing an ideal score ever will. Small, strategic moves at the right time can make a bigger impact than waiting endlessly for perfect conditions.
The Playbook Takeaway
You don’t need perfect credit. You need clarity and a plan.
Final Thought
If you’ve been sitting on the sidelines because you think your credit isn’t “good enough,” it may be time to get real answers instead of assumptions.
Understanding where you stand—and what actually matters—can change the entire timeline. If you want to talk through your situation and see what options make sense for you, you’re always welcome to book time on my calendar.
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