Money, Mindset, and Myths

Still think you need 20% down to buy a house? Let me stop you right there…

The 20% Down Myth

Here’s the real deal: most buyers today don’t put 20% down. There are loan programs out there for 3% down, 3.5% down, and in some cases even zero down depending on your situation. If you wait until you’ve saved up 20%, you could be renting for years — all while home prices and interest rates keep moving.

Georgia Has Your Back

One thing I love about being a Georgia agent is knowing about the down payment assistance programs our lenders have access to. These aren’t just for first-time buyers either — there are options for veterans, specific areas, and even people who just need a little extra boost to cover closing costs.

One of My Favorite Buyer Stories

I had a buyer who thought they’d never be able to buy. They didn’t think they had enough money saved, and honestly, they almost gave up before even trying. But we connected them with a lender who used one of Georgia’s programs… and at closing, not only did they get their house — they actually walked away with a check in hand.

Yes, you read that right. A new set of keys and money back in their pocket. Talk about flipping the script on the “you can’t buy” mindset.

Why This Matters

If you’ve been stuck in the renting cycle, believing the myths, I want you to know: there are real options out there. You don’t have to have it all figured out or have a massive down payment saved. You just need to start the conversation.

Let’s Talk

If this feels like the sign you’ve been waiting for, call me. I’ll connect you with trusted local lenders who know these programs inside and out and together, we’ll see what’s possible for you.

📞 (470) 499-4032

Because the only thing standing between you and homeownership might just be a myth.