By Minnie Rzeslawski, Broker
RE/MAX City Real Estate & 24K International Realty
For many people, homeownership feels out of reach—not because they can't afford the monthly payment, but because they believe they need a 20% down payment to buy a home.
As someone who has helped San Diego buyers for more than 38 years, I hear this misconception all the time. In reality, it's one of the biggest reasons qualified buyers remain on the sidelines while opportunities pass them by.
The good news? Many loan programs today allow qualified buyers to purchase a home with as little as 3% down. That doesn't mean buying a home is completely free. Buyers should still plan for closing costs, prepaid expenses, inspections, and other transaction-related costs. However, many people are surprised to learn that in today's market, sellers are often more willing to negotiate than they were just a few years ago.
Unlike the intense seller's market we experienced when buyers were competing with multiple offers and waiving contingencies, today's market offers buyers more negotiating power. Depending on the property and the strength of the offer, a seller may agree to contribute toward a buyer's closing costs, making the purchase even more affordable.
Don't Rule Yourself Out Before You Know Your Options
Every week I speak with people who tell me:
"I don't have 20% saved."
"I probably don't qualify."
"Maybe I'll wait another year."
What I often find is that many of these buyers are much closer to purchasing a home than they ever imagined.
There are loan programs designed for first-time buyers, repeat buyers, veterans, self-employed individuals, and buyers with a variety of financial situations. Every person's circumstances are different, which is why it's so important to have a professional review your options rather than relying on assumptions or information you've heard from friends or online.
Sometimes the Best Plan Is a Future Plan. Not everyone is ready to buy today—and that's perfectly okay.
One of the most valuable services I provide is helping buyers create a personalized roadmap to homeownership. If you're six months away, a year away, or even longer, we can identify the steps that will put you in the strongest position when you're ready.
That may include improving your credit score, paying down debt, increasing your savings, or simply understanding which loan program best fits your goals.
Having a plan gives you confidence and helps eliminate the guesswork.
There's No Cost and No Obligation. The first step is simply having a conversation.
I can connect you with experienced lending professionals who can review your financial picture, discuss available loan programs, estimate what you may qualify for, and answer your questions—all with no obligation.
Whether you're ready to buy now or planning for the future, you'll walk away with valuable information and a clear understanding of your next steps.
Buying a home is one of the biggest financial decisions you'll ever make. My goal is to help you make that decision with knowledge, confidence, and a plan that's right for you.
If you've been wondering whether homeownership is possible, I'd love to help.
Call, text, or send me a direct message today to schedule a confidential, no-obligation buyer consultation. You may be much closer to owning a home than you think.
Minnie Rzeslawski
Broker | RE/MAX City Real Estate
Owner | 24K International Realty
Serving San Diego County for over 38 years
DRE #01019749
