Think you need a 20% down payment, perfect credit, or to wait for rates to drop before buying a home? Yianni Garcia, Miami’s top mortgage broker, joins The Marty Davis Show to bust the biggest mortgage myths holding buyers back. Learn how down payment assistance, VA and FHA loans, and creative financing can get you into your dream home, often with zero down. Discover how mortgage rates really work, what lenders look for beyond your credit score, and why renting long-term may cost you more than owning. Yianni reveals insider programs for entrepreneurs, self-employed, and first-time buyers, breaking down the application process step-by-step. Whether you’re shopping now or planning for the future, unlock the secrets to building wealth and making smart moves in today’s market. 00:00 – Intro & guest reveal01:05 – Meet Yianni Garcia: background & journey04:48 – Breaking mortgage myths (market crash, rates myth)11:12 – Homeownership isn’t impossible15:42 – Credit, down payment, overcoming barriers17:37 – First-time buyer stories & lessons24:09 – Real truth: down payment assistance33:27 – What credit scores really mean36:22 – Self-employed & entrepreneur solutions41:23 – Special mortgage programs: veterans & foreign nationals46:15 – Step-by-step: getting pre-approved50:20 – How lenders qualify buyers (income, assets, debts)54:12 – Creative financing explained58:05 – Smart money moves & future trends1:04:10 – Tips, habits, and personal advice1:07:00 – Final thoughts & wrap-upmortgage mythshome buying tipsmortgage expertdown payment assistancefirst-time homebuyerMiami real estatemortgage ratescreative financingVA loansFHA loanscredit score adviceseller creditsclosing costsRate Right MortgageMarty Davis Showself-employed mortgageentrepreneur mortgage tipsmortgage brokerreal estate investinghome loan approvalbuying a house with zero downwealth buildingfinancial literacySubscribe for high-impact advice and expert answers every week on Thursday!