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  • Scott Westfall

5 Myths about Buying a Home in 2022

Updated: Dec 17, 2021

The 2022 housing market is forecasted to be a fast-paced and competitive world, 但购房者不应该让这些常见的购房神话吓跑他们. 我们来这里是为了澄清在当今市场上关于买房的误解, starting with these top 5 myths:



迷思1:在炙手可热的市场中赢得房屋的唯一方法是放弃房屋检查.

在像我们经历的这样一个繁忙的房地产市场,人们都在 getting creative with their home offers to score their dream properties. One question we’ve been hearing more often has been, “Should I decline a home inspection and just purchase as-is?”


你应该放弃家庭检查的想法是一个巨大的——而且是有风险的——神话. 放弃家庭检查可能会让你赢得房子,但也可能让你破产! Completing a home inspection, even if for “informational purposes” only, 将永远是一个明智的决定,可以节省你的钱和无尽的头痛. 放弃房屋检查应该是大多数买家的最后手段.


一种检查房屋的方法仍然可以提高你们之间的关系,那就是向卖方保证你不会要求修理. 你方的报价仍然取决于检验——如果有像这样的极端情况的话 a bad foundation 这表明你仍然有办法摆脱合同——但卖房的人会放心,如果他接受你的报价并通过的话,他就不会被谈判维修的时间和费用所困.

事实:在不牺牲你的检查的情况下,有更有效的方法来制作一个成功的投标.

There are plenty of other, 在卖家眼中,这是一种更安全的提高报价的方式,它不会承担免检的风险. Work with an experienced real estate professional who knows how to craft a competitive offer to bid wisely!



迷思2:等你找到理想的房子再申请抵押贷款.

For first-time homebuyers especially, 人们常常要等到找到自己想要的房子才去申请贷款,这是一种耻辱. 这种误解的根源在于,你应该在开口要钱之前确切地知道你要付多少钱!


事实上,提前获得预先批准对你的搜索有很大的好处! In today’s competitive market在美国,你需要做好准备,一旦你知道你有兴趣,你就会马上开始做. 这包括当你提供你的报价时,你有你的金融秩序.

事实:在你找到自己的房子之前,提前申请抵押贷款是很明智的,而且没有坏处.

获得贷款预批准通常需要一个简短的在线申请和你最近的纳税申报表的副本, bank statements, and a pay stub. 大多数贷款人在预先批准过程中不会进行严格的信用检查(在你找到完美的房子之后)-所以让你自己预先批准真的没有什么坏处!


P.S. Don’t forget to consider all the costs of owning a home when creating your home-buying budget!



迷思3:总是以低于要价的价格开始.

当然,在低端市场环境下,这是一种常见而有效的策略. However, 当它是一个强劲的卖方市场,像2022年的住房市场, 你通常只有一次机会来吸引卖主的注意,并与其他很快到来的报价竞争.


That doesn’t mean you have to make an offer over full price. There are plenty of other ways to make your offer very competitive.

事实:在2022年的市场上,第一印象对所有的房屋都很重要.

Every property and listing is different, 因此,在今天的市场上,你仍然会发现自己的出价低于标价. However, these moments are rare right now across the country.



Myth #4: You must have a 20% down payment to buy a home.

Buyers often wait to purchase a home because they do not have 20% of the selling price to use as down payment, 但许多人没有意识到,他们仍然可以买一套房子,并获得一个合理的月抵押贷款,只留出一小部分.


There are many ways to secure down payment assistance, 你的首付价格只是众多因素之一(包括信用评分), debt to income ratio, and work history) that lenders take into account.

Fact: The average U.S. down payment is only 6% of the selling price.

In fact, the average American puts down 6% on a house, and some loan types and programs can make that even less. (如果你像汉普顿路的许多居民一样是军人或老兵, the VA loan program as a minimum down payment of 0% and doesn’t require PMI*.)


不过,至少预付20%的首付也有一些好处,这支持了这种说法. 大多数首付低于20%的人必须支付私人抵押贷款保险(PMI),而且月供会更高. A larger down payment also shows a stronger financial position, making your offer more appealing to a seller.

想知道即使没有20%的首付,你是否有资格申请抵押贷款? 与当地的贷款机构交谈并获得预先批准,将有助于你更好地了解你可以买什么以及你需要支付多少现金.



迷思5:买房并不需要无债一身轻.

如果你目前的债务或信用评分是你还没有和抵押贷款机构谈过的原因, stop letting that hold you back!


是的,债务是贷款资格等式中的一个因素,但贷款人实际上是在看一个 combination of factors. First, your mortgage lender will take a look at your debt to income ratio. 这个公式将决定你的消费能力,或者你能买得起多少房子.


After that, your lender will discuss with you your FICO credit score and what it needs to be to secure a higher-priced home. 根据贷款类型的不同,您的FICO信用评分要求可能会有所不同. For example, 首次置业贷款(也被称为联邦住房管理局贷款)要求购房者的最低分数为580分,才有资格获得较低的首付(通常为3分).5%).

Fact: Debt is not a deal breaker in securing a home loan.

对于一些个人和家庭来说,没有债务的生活是一种高尚的努力,但这并不总是现实的. Every homebuyer’s financial journey is different, varying by stage of life, marital or family status, student loan debt, and more. 与你的抵押贷款贷款人交谈将使你清楚需要采取的步骤,以获得贷款资格-如果有的话!



The Bottom Line

对购房过程的误解可能会增加不必要的复杂性,或者在开始购房时犹豫不决. Don’t let these myths about buying a home hold you back! 重要的是要与你可以信任的房地产专业人士合作,以确保你有清晰的头脑和信心,为你做出完美的房产购买.