3 Persistent Myths About Home Buying

Описание: In this weeks video we address three common myths keeping buyers out of the housing market heading into 2026. First, explaining that waiting for ultra-low 3%–3.5% mortgage rates is unrealistic, noting that such rates were tied to economic emergencies and that experts project 2026 rates in the high 5% to low 6% range; instead, buyers should work with a lender to choose the right loan program and use tools like seller concessions to buy down the rate. Second, we debunk the idea that a 20% down payment is required, describing programs as low as 3% down, FHA at 3.5%, and noting PMI can be much lower with strong credit and low debt. Third, we explain why negotiating a lower interest rate can matter more than a slightly lower purchase price, using an example where reducing price by $10,000 saves about $60/month, while using a $10,000 seller concession to buy down the rate can save roughly $150–$175/month. Don't forget to subscribe for more informative content and contact us for a personalized consultation by text or call at 480-214-2823!

00:00 Intro: 3 Homebuyer Myths Keeping People Out of the Market (2026)
00:23 Myth #1: You Need a Super-Low Interest Rate to Buy
01:28 What Rates May Look Like in 2026 + How to Buy Down Your Rate
02:04 Market Shift: More Inventory Means More Seller Flexibility
02:30 Myth #2: You Must Put 20% Down (PMI & Low-Down Programs)
03:30 Myth #3: Lower Price Beats Lower Rate—A Real Payment Example
05:28 Wrap-Up: Next Steps, Subscribe, and Get Pre-Qualified