The first step in the home-buying process is often misunderstood. Many buyers assume it starts with scrolling Zillow listings or driving through neighborhoods, imagining what life might look like in a new home. While that part is exciting, it’s actually not where the process should begin - and starting there can create unnecessary stress later on.

Down payments and credit scores are two of the most common concerns buyers have when considering homeownership. Many people delay buying a home because they believe they need a 20% down payment and perfect credit — but that simply isn’t true.