Buying a home is one of the most exciting and life-changing milestones you can achieve—but it can also be one of the most intimidating. Unfortunately, much of that fear comes from misinformation. Over the years, I’ve seen countless buyers hold off on their dream of homeownership simply because they believed a “rule” that wasn’t actually true. They thought they needed to save for years, boost their credit far beyond what was necessary, or wait until their job history looked “p