You must have a 20% down payment to buy a house.
A down payment amount varies depending on the type of loan. FHA loans require down payments as low as 3 - 3.5%, whereas VA and RD require nothing down. There is also the down payment assistance loan program available to eliminate or reduce down payment requirements.

If you have bad credit, don't even try to apply for a mortgage loan.
Potential buyers assume they will not be approved for a mortgage even though many can qualify. The median FICO score to buy a home is 683 for FHA loans. However, like down payment amounts, the credit score minimum varies depending on the type of the loan.

I don't make enough to afford a mortgage
WCDA has income limits depending on your county and the WCDA program. Limits vary from $71,000 - $116,000.

Who says you need 20% down on a house? We don't.
That's fiction. Check out our awesome program to assist with your down payment.