You don't need 20% down to buy a home in 2026 — and most first-time buyers don't know that. This complete mortgage guide breaks down every loan option available right now, what each one costs, and how to qualify.
In this video, I walk you through:
✅ The 2026 mortgage rate landscape (rates are finally improving — here's what the data says) ✅ Conventional loans — the most common option and who it's actually best for ✅ FHA loans — the accessibility play (580 credit score, 3.5% down) ✅ VA loans — zero down, no mortgage insurance, lowest average rate in the market ✅ USDA loans — another zero-down path most buyers overlook ✅ FHA vs. Conventional side-by-side on a real $225,000 home ✅ Creative financing strategies: rate buydowns, discount points, and the "marry the house, date the rate" approach ✅ What you actually need to qualify: credit score, DTI, and down payment minimums broken down clearly ✅ The real monthly cost of homeownership (the number lenders don't show you) ✅ Down payment assistance programs — including options with $0 out of pocket ✅ The home buying timeline from pre-approval to keys ✅ 10 mistakes first-time buyers make — and how to avoid every one of them
📌 Whether you're just starting to think about buying or you're actively house hunting, this guide gives you the full picture so you can walk into the mortgage process confident — not confused.
⚠️ DISCLAIMER: This video is for educational purposes only and does not constitute financial, legal, or mortgage advice. Rates, loan limits, and program details are subject to change. Always consult with a licensed mortgage professional for advice specific to your situation.
