Hickory Area Happenings!

One of the biggest myths I hear from buyers in Hickory is: “I can’t buy a house until I have 20% down.”

Here’s the truth:

• FHA loans may require as little as 3.5% down.
• VA loans (for veterans) can require 0% down.
• USDA loans (available in parts of Catawba County) also allow 0% down.
• North Carolina programs offer down payment assistance for first-time buyers.

Waiting to save up 20% can keep you out of the market unnecessarily. With interest rates and housing prices moving, getting in sooner could save you money long-term.