Confused about credit scores, down payments, or closing costs? You’re not alone. In this episode of Real Talk with Andres & Heather, we’re joined by bilingual loan officer Myriam Rosas to debunk the biggest mortgage myths and help you buy smarter in 2025.

✅ Top 4 misconceptions we tackle:

• You need perfect credit to qualify

• You must have 20% down

• Car loans will disqualify you

• You only need the down payment upfront

Plus, we break down the 5 biggest mistakes that can derail your loan approval...like quitting your job, opening credit lines, or co-signing for someone else.

Whether you’re buying this year or planning ahead, Myriam shares actionable tips on budgeting, soft credit pulls, and working with a lender early to save time and money.

Perfect for: First-time buyers, renters considering ownership, and real estate agents guiding clients through the lending process.

Connect with Myriam Rosas
Bilingual Loan Officer | NMLS#: 2052132
Call or Text: (615) 761‑6797
Apply Now: https://myloan.southwestfunding.com/dr/c/4sfho

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• (00:00:04) - Real Talk with Heather and Andre
• (00:00:55) - Live Stream: Heavenly Clouds
• (00:02:19) - How a Real Estate Lender Met His Wife
• (00:07:11) - Home Loans: Made Simple
• (00:12:42) - The Down Payment and Other Costs of Buying a Home
• (00:16:45) - Lender Advice for Buying a Home
• (00:22:23) - How to Get Your Home Loan Funded
• (00:24:15) - Real Estate Minute: Talking to a Lender
• (00:30:12) - Buyer's Consultation: How to Prepare to Buy a Home
• (00:35:32) - Everybody Can Buy a Home
• (00:36:38) - Real Estate Talk: Challenges
• (00:39:45) - Morgan Mortgages Expands With Andre