Mortgage Lender with 30+ years experience navigating diverse market conditions. Don't let myths deter you from homeownership. Down payments can be as low as 3.5% (FHA) or even zero. While good credit helps, perfect scores aren't always mandatory. I provide clear, honest guidance to find the ideal mortgage solution for your unique situation. Not ready yet? My Path2Buy program offers a personalized plan to achieve mortgage readiness on your timeline. Visit www.path2buyatl.com to learn more or contact me for a consultation and discover your options.