Jennifer Seto Mortgages

Mortgage myths that can cost you (money + time):

MYTH 1: “The interest rate is the most important factor.”
Truth: The “best” mortgage is the one you can KEEP. Penalties, restrictions, and renewal risk matter.

MYTH 2: “You always need 20% down.”
Truth: Some buyers can purchase with less (depending on price + qualification). 20% is great: but not always required.

MYTH 3: “Pre-qualification = guaranteed approval.”
Truth: Pre-quals are usually quick estimates. Real approval comes after documents + full underwriting.

Want me to sanity-check your numbers before you shop or offer? Comment START and I’ll send what I need.