Many believe buying a house in 2026 is unattainable, but for most, it's more accessible than assumed. This video addresses common misconceptions about qualifying for a home loan, focusing on the necessary down payment, lender credit assessment, and income considerations. Understanding the home loan process and how it impacts your ability to buy a house can help you make informed decisions about entering the housing market.
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KELLY ZITLOW, NMLS 164330 Sr. Mortgage Educator [email protected] www.kellyzitlowgroup.com ☎️ CALL or TEXT 480.725.0150
Kelly Zitlow is a Sr. Mortgage Educator with Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. All information presented is for educational purposes only and is used to help you as the viewer in your home-buying process.
Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID# 2258 | Equal Housing Lender | Production Office = 14635 N Kierland Blvd Ste 140, Scottsdale, AZ 85254
CHAPTERS: 0:00 Stop Self-Disqualifying 1:08 Down Payment Myths and Realities 2:20 Creative Ways to Fund Your Down Payment 4:04 Why Your Online Credit Score is Different 5:40 Credit Score vs Credit Profile 7:40 How to Improve Your Score with Simulators 9:03 Understanding Debt-to-Income Ratio 10:48 Gross Income vs Your Budget 11:58 Options for Self-Employed Buyers 12:50 Final Advice for Future Homeowners
