In appreciation of Halloween we're going to debunk 5 scary mortgage myths.

Myth 1: You need 20% for a down payment

Myth 2: You have to have AMAZING credit

Myth 3: A prequal is the same thing as a preapproval

Myth 4: Never get an adjustable-rate mortgage (ARM)

Myth 5: You need to be at your current job for 2 years