Think You Can’t Qualify to Buy a Home? Think Again.
If you’ve been dreaming of owning a home but feel like the financial stars just aren’t aligning, you’re not alone. Many people assume they don’t qualify for a mortgage due to credit, income, or down payment concerns—but the truth is, there are more possibilities and pathways than you might think.
As a local realtor serving Southern Oregon, I’ve worked with plenty of buyers who thought they had to keep renting or delay their dream of homeownership. Here’s what I’ve learned: what you think disqualifies you might not disqualify you at all.
1. Low Down Payment Options Are Out There
Many buyers are surprised to learn they don’t need 20% down. In fact:
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FHA loans require as little as 3.5% down.
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VA loans (for eligible veterans and service members) require no down payment.
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USDA loans, available in rural areas like Shady Cove, also offer zero down for qualified buyers.
2. Credit Challenges? You Still Have Options
You don’t need perfect credit to buy a home. While a higher credit score gives you better loan terms, FHA loans allow scores as low as 580, and even lower with larger down payments.
If you’re just a few points away, a good lender can work with you on a short-term action plan to boost your score in weeks—not years.
3. You Might Qualify for More Than You Think
Many buyers underestimate how much they can afford. Between today’s creative financing solutions, down payment assistance programs, and flexible lender guidelines, it’s very possible to qualify for a home that fits your needs—and your lifestyle.
Even if you’re self-employed, have seasonal income, or a short work history, there are financing options tailored for you.
A Perfect Opportunity: 600 Yew Wood, Shady Cove, OR
If you’ve been sitting on the sidelines waiting for the “right time,” this home might be your sign.
🏡 600 Yew Wood, Shady Cove offers the perfect blend of comfort, nature, and small-town charm. Nestled in a peaceful neighborhood, this home is move-in ready and priced right for buyers looking to break into the market.
✅ 3 bedrooms
✅ Spacious yard
✅ Updated interiors
✅ Close to the Rogue River and outdoor recreation
✅ USDA-eligible area (that means possible zero-down financing)
Whether you’re a first-time buyer, relocating, or simply ready to own instead of rent, this home could be yours—yes, even if you’re not sure you qualify yet.
Let’s Talk Possibilities
If you're curious about what’s truly possible for you, let’s chat. I can connect you with trusted local lenders who specialize in helping buyers get approved—even when they thought they couldn’t.
Don’t count yourself out before exploring your options. You might be closer to owning a home than you think—and 600 Yew Wood just might be the one.
📞623.523.3489
📩 [email protected]
📍 Serving Shady Cove, Medford, and surrounding Southern Oregon areas
