Myth 1: I Need 20% Down
False. VA and USDA offer $0 down. FHA requires 3.5%. Conventional starts at 3%.
Myth 2: My Credit Is Too Low
FHA accepts 580+. Many buyers who think they don’t qualify actually do — sometimes with 60–90 days of credit work.
Myth 3: Pre-Approval Takes Weeks
We issue pre-approvals in 24 hours.
Myth 4: Renting Is Cheaper
In Charlotte, for buyers staying 5+ years, owning typically wins on total cost. The math is clear — run it with our calculator.
