The Credit Score Myth That’s Holding Buyers Back in Our Local Market

If you have thought about buying a home but assumed your credit score is not good enough, you are not alone. This is one of the most common reasons I hear buyers hesitate, especially here in South Snohomish and North King Counties where home prices can feel overwhelming at first glance.

The reality is that many buyers are sitting on the sidelines because of a credit score myth that simply is not true.

The Big Credit Score Misunderstanding

A large number of would be buyers believe they need a near perfect credit score to qualify for a mortgage. In reality, many loan programs allow buyers to qualify with much lower scores depending on the loan type and overall financial picture.

This misunderstanding alone is enough to delay homeownership for years when it does not need to.

A Simple First Step That Costs Nothing

Here is the part many people do not realize. Talking with a lender to understand your options costs nothing and comes with no obligation. It is not a commitment to buy a home and it does not lock you into anything.

It is simply a conversation that answers one important question: “Where do I actually stand today?”

A quick lender check can tell you
• If you already qualify
• What loan programs may fit you best
• Whether a small credit tweak could improve your options
• Or if waiting a short time would make sense

They can also help you, if needed, create a roadmap to get you on track to being able to qualify.

That clarity alone often removes a lot of stress and guesswork.

What This Means for Buyers in Our Local Market

In our area, especially in communities like Lynnwood, Edmonds, Bothell, Shoreline, and Mill Creek, buyers who are prepared have an advantage. Waiting because of an assumption about credit can mean missing opportunities that fit both your budget and long term plans.

I regularly see buyers surprised when they learn they are far closer to qualifying than they expected.

The Bottom Line

Do not let a myth or assumption decide your future. The only way to know your options is to look at real information, not worst case scenarios.

If you have been thinking about buying but are unsure about your credit, I am happy to connect you with a trusted local lender for a no cost, no obligation conversation. Even if buying now is not the right move, having clarity puts you back in control of your timeline.

When you are ready to explore your options, I am here to help guide the process at your pace.