Don’t Think You Can Buy a House? Think Again!

Written by Zachery Adam

May 11, 2021

Don’t Think You Can Buy a House

There are a lot of misconceptions about home buying and what it takes to get a mortgage. One we hear a lot is people who think they would never qualify. But, as it turns out, there are exceptions to everything, and if you don’t think you can buy a house, you may want to think again. Here are a few examples of barriers many people expect but may be able to overcome. 

You Have Student Loan Debt

If you have debt caused by student loans, you may think you can’t buy a home. But, while the process may be a little more challenging, there are ways to get you into your own house. Last summer, we shared some details about student loans and the challenges people with this kind of debt face. But it also included a few practical tips such as raising your credit score, managing your debt-to-income ratio, and getting prequalified.

Your Credit Score isn’t So Great

As you can see, a credit score is a big part of the homebuying process. But even if you have a less than perfect score, you may still be able to buy a house. Again, the process may not be easy, but you may not be aware of opportunities. For instance, there are FHA and VA loans available to people with lower credit scores. In any case, talking with an independent mortgage lender to see what is out there is the best first step.

You Don’t Have a Down Payment

Similarly, there are options for loans that require no down payment, especially for first-time homebuyers. While having a down payment available may open up more opportunities to you, it isn’t always a deal-breaker. You may even qualify for special programs that require no or very low down payments depending on your financial background and other factors.

You’ve Worked Less Than TwoYears on the Job

A big one we hear all the time is the belief that you need to have worked in your current job for at least two years to get a mortgage. Two years of work history will provide an understanding of your stability, but that isn’t the only factor in play. If you switch jobs in the same field with equal or higher pay, it will not be a huge deal. However, if your new job is entirely different or pays a lot less, we may need to discuss your situation in a bit more detail.

To find out how you can overcome these obstacles and more, call GoPrime Mortgage of West Asheville today.

Do you want to know about the process to apply for a mortgage?  GoPrime Mortgage in West Asheville is here to help. Call us today at 828-348-1907 –Zachery Adam at GoPrime Mortgage in West Asheville.

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About Us

How we can help you

Although labeled an independent mortgage lender, GoPrime Mortgage, Inc. is not a one-man operation. Zachery Adam and his Team has the support of a streamlined operation, with professionals who assist in every phase of the loan process. His team includes an appraisal vendor, loan processors, underwriters, closers and even the CEO or president if needed. When you choose to work with Zachery, you get the support of his team as well.

Zachery Adam

It’s important to Zack that he and his team are approachable and can provide assistance to home buyers who are often inundated with misinformation about the financial picture and mortgage options. In an automated culture reliant on digital communication, it’s time to put the human element back into these conversations. He could never be behind the scenes.

When you apply securely online with GoPrime Mortgage, Inc., we will contact you within 24 hours or less.

We want to be more than your mortgage lender.

The company, like Branch Manager Zachery Adam, wants to become the go-to destination for people who have questions about real estate financing and the mortgage application process. Applying for a mortgage can be a frightening process at a bank. GoPrime Mortage, Inc. aims to keep the process simple.

Our mission is to:

  • Provide holistic mortgage planning for every customer
  • Offer simple, strategic solutions for all homebuyers
  • Supply reliable services for real estate investors
  • Educate the public on the mortgage process
  • Keep the mortgage process simple for all customers
  • Inform real estate agents of the latest mortgage news

In short, GoPrime Mortgage, Inc. will provide complete, inclusive mortgage solutions that are educational, transparent, honest and sincere. No other bank or independent mortgage lender can beat the service and prices — the complete package — that GoPrime Mortgage, Inc. offers.


Contact Info

862 Haywood Road Asheville, NC 28806


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Borrowers can easily complete a loan application, upload supporting documentation, eSign disclosures, and monitor the status of their loan — in a single, easy-to-use location.

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