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As experienced real estate agents, we have heard a lot of myths present in the minds of homebuyers. The Novak Team talks to home buyers every single day and we noticed some common misconceptions buyers have regarding the purchasing of a home. Providing the facts is the best we can dispel these myths and reduce some of the angst buyers may feel when starting the home buying process.  


You must have perfect credit


This is one of the most common myths and it is not true. If you have at least a 580 credit score you can get financing. Sites like can get you your score instantly and let you know where you stand. If you are below 580, don’t fret as there are some things you can do to repair your credit.


You must provide a down payment


The thought of coming up with a substantial down payment can be intimidating. It may take years of saving to meet the down payment requirement of conventional loans. Many home buyers think a down payment is required for all loans, which is not true.


There a lot of different ways to purchase a home with no money down. Many buyers will qualify for special government backed loans that have successfully put countless Americans in homes with zero down.


These loan programs a very lenient on credit scores, which is where minimum credit score comes from.


The process is confusion


Purchasing a home can seem overwhelming as you are making one of the most significant financial transactions of your life. It may seem confusing at first, but it does not have to be.


This is where we, your real estate team, come in. We provide a buyer consultation and go through the entire process before we even begin looking for your home. We go over everything in detail and give you the information you need to know about buying a home from start to finish.


Knowledge is the best way to alleviate any fears or confusion you may have, and the Novak team is committed to keeping you informed. As always, if you have any questions, let us know.