“My credit isn’t perfect, so I don’t think I’m ready.”

This is one of the most common fears I hear—especially from professionals who’ve worked hard to rebuild their financial life.

Here’s the truth: You don’t need a perfect credit score to buy a home. You need strategy, guidance, and someone who knows how to navigate flexible loan options.

I recently helped a client with a 612 score get into her first home—with confidence. No shame, no pressure—just clarity.

Takeaways: ✔️ FHA loans allow for lower credit thresholds ✔️ Credit issues don’t automatically disqualify you ✔️ A tailored plan can make buying realistic—sooner than you think

Racheli Refael 954-800-0330

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#MillennialMoney