Home buying tips

Home buying tips At the Kristi G. Scott Group, we believe that a home is more than just a place to live, it's the foundation of your dreams.

Our dedicated team is committed to guiding you through every step of the home buying or refinancing process.

🏡 MORTGAGE MYTH: SELF-EMPLOYED BUYERS CAN'T GET A HOME LOAN❌ MYTH: "I'm self-employed, so I won't qualify for a mortgage...
08/24/2026

🏡 MORTGAGE MYTH: SELF-EMPLOYED BUYERS CAN'T GET A HOME LOAN

❌ MYTH: "I'm self-employed, so I won't qualify for a mortgage."

✅ FACT: Self-employed borrowers buy homes every day! While the documentation process may look a little different, there are mortgage programs designed to help business owners, freelancers, contractors, and entrepreneurs achieve homeownership.

Don't count yourself out before exploring your options.

📞 Let's discuss your unique situation and create a plan that works for you.



Graphic Text Idea:

Mortgage Myth

❌ Self-Employed = Can't Get a Mortgage

✅ Fact: Self-Employed Borrowers Qualify Every Day

Let's Explore Your Options! 🏡

Engagement Question: "Are you self-employed or know someone who is? What questions do you have about qualifying for a mortgage?" 👇

🏡 Mortgage Myth BusterMYTH: You need perfect credit to buy a home.FACT: Perfect credit is not required.Many loan program...
08/09/2026

🏡 Mortgage Myth Buster
MYTH: You need perfect credit to buy a home.
FACT: Perfect credit is not required.
Many loan programs are designed to help borrowers with a wide range of credit profiles.
Don't assume you don't qualify until you've explored your options.

🏡 Mortgage Myth BusterMYTH: Refinancing only makes sense if rates drop by 1%.FACT: There's no magic number.Refinancing c...
08/08/2026

🏡 Mortgage Myth Buster
MYTH: Refinancing only makes sense if rates drop by 1%.
FACT: There's no magic number.
Refinancing can make sense for many reasons:
✅ Lower monthly payment
✅ Shorten loan term
✅ Remove mortgage insurance
✅ Access home equity
Every situation is unique.

🏡 Mortgage Myth BusterMYTH: You should wait for rates to drop before buying.FACT: Trying to time the market can be risky...
08/07/2026

🏡 Mortgage Myth Buster
MYTH: You should wait for rates to drop before buying.
FACT: Trying to time the market can be risky.
Home prices, competition, and inventory can change just as quickly as rates.
Buy when you're financially ready, not when you think you've perfectly timed the market.

🏡 Mortgage Myth BusterMYTH: The lowest interest rate always means the best mortgage.FACT: A mortgage is more than just t...
08/06/2026

🏡 Mortgage Myth Buster
MYTH: The lowest interest rate always means the best mortgage.
FACT: A mortgage is more than just the rate.
Be sure to consider:
✅ Closing costs
✅ Loan term
✅ Mortgage insurance
✅ Lender fees
The best loan is the one that aligns with your overall financial goals.

🏡 Mortgage Myth BusterMYTH: Self-employed borrowers can't get a mortgage.FACT: Self-employed borrowers buy homes every d...
08/05/2026

🏡 Mortgage Myth Buster
MYTH: Self-employed borrowers can't get a mortgage.
FACT: Self-employed borrowers buy homes every day.
Lenders typically review income differently, often using tax returns and business documentation, but there are many loan options available.
Being your own boss doesn't mean homeownership is out of reach.

🏡 Mortgage Myth BusterMYTH: Getting pre-approved guarantees your loan.FACT: Pre-approval is a huge step—but it's not the...
08/04/2026

🏡 Mortgage Myth Buster
MYTH: Getting pre-approved guarantees your loan.
FACT: Pre-approval is a huge step—but it's not the final approval.
Major changes like:
❌ Opening new credit accounts
❌ Financing a car
❌ Missing payments
❌ Changing jobs
can affect your loan before closing.

🏡 Mortgage Myth BusterMYTH: Renting is always cheaper than buying.FACT: Not always!In many markets, a mortgage payment c...
08/03/2026

🏡 Mortgage Myth Buster
MYTH: Renting is always cheaper than buying.
FACT: Not always!
In many markets, a mortgage payment can be comparable to rent—and homeownership allows you to build equity over time.
The best choice depends on your financial goals, timeline, and local market conditions.

🏡 Mortgage Myth BusterMYTH: You have to be debt-free to qualify for a mortgage.FACT: Most homeowners have some form of d...
07/31/2026

🏡 Mortgage Myth Buster
MYTH: You have to be debt-free to qualify for a mortgage.
FACT: Most homeowners have some form of debt.
Lenders look at your overall financial picture, including your income, debts, credit score, and assets—not just whether you have debt.
✅ Student loans
✅ Car payments
✅ Credit cards
These don't automatically disqualify you from homeownership.

🏡 Mortgage Myth BusterMYTH: Checking your credit score will hurt your credit.FACT: Checking your own credit score is con...
07/30/2026

🏡 Mortgage Myth Buster
MYTH: Checking your credit score will hurt your credit.
FACT: Checking your own credit score is considered a "soft inquiry" and does not impact your score.
Knowing where you stand before applying for a mortgage can actually help you prepare and potentially qualify for better loan options.
📩 Want to know what credit score you need to buy a home? Let's chat!

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