Lately, I’ve been having a lot of conversations with people who think homeownership is out of reach. Maybe you’ve thought this too. I get it—there’s so much misinformation floating around, and it’s easy to assume that buying a home just isn’t in the cards for you.

But here’s the thing: Many of these so-called “deal breakers” are just myths. So let’s break them down, one by one.

“I don’t want to be house poor.”

Neither do I! Owning a home should feel empowering, not suffocating. The key is working with someone (hey, that’s me!) who understands how to structure your home purchase in a way that keeps your finances comfortable. There are loan options that allow for manageable monthly payments, and we’ll talk through what price range actually makes sense for your lifestyle.

“I make a commission income, so I won’t qualify.”

This one comes up a lot. Yes, lenders like stability, but commission-based income isn’t an automatic disqualifier. If you have a history of earning commission, even with some fluctuations, there are ways to structure your loan application so that it reflects your true earning potential. Lenders consider average income over time, not just one slow month.

“My income has been inconsistent over the last two years, so I heard I can’t get a loan.”

This depends, but inconsistency doesn’t always mean a hard no. There are different types of loans with different requirements, and some programs are designed for people with non-traditional income. Instead of assuming you’re out of the game, let’s have a conversation. I work with great lenders who know how to navigate situations like yours.

“I don’t have 20% down.”

Good news: You don’t need 20% down to buy a home! In fact, most people don’t put that much down. There are loan programs that allow for as little as 3-5% down, and in some cases, even zero down. The idea that you have to save up a massive chunk of money before buying is outdated.

Here’s the Bottom Line

If you’ve been telling yourself that you can’t buy a home, let’s talk about whether that’s actually true. There are so many options out there that most people don’t know about. Homeownership is one of the best ways to build long-term financial stability, and I’d love to help you figure out how to make it work for you.

Let’s have a real conversation about your situation—no pressure, just facts. Reach out to me, and let’s see what’s possible.

 Call or text me at 303-775-9669
 Email me at maci@livelaughdenver.com

Your dream of owning a home might be closer than you think. Let’s find out together.