EP # 254 Breaking Down Mortgage Myths with a SWFL Native

Navigating the path to homeownership doesn't have to feel like scaling a mountain without gear. Puja Romero of CrossCountry Mortgage's Wellmax Mortgage Team unveils the truth behind common mortgage misconceptions that keep many potential homeowners on the sidelines.

Think your credit score isn't high enough? Think again. Puja shatters the myth that you need pristine credit to qualify for a mortgage, explaining how her team works with clients whose scores are in the 500s. "We look at what is causing that lower credit score and we work with you to fix it," she shares. Similarly, the idea that you need a 20% down payment is outdated - with programs offering as little as 3% down for first-time buyers.

What makes Puja's approach unique is her deeply personal connection to her work. After surviving colon cancer last year, her perspective transformed. "When you go through something like that, it really makes you pay attention to what you have, where you're at, what's important," she reflects. This life-changing experience shapes how she approaches each client relationship - not as transactions, but as partnerships in achieving dreams.

As a Southwest Florida native raised on Sanibel Island, Puja brings local knowledge alongside professional expertise. Her practical advice on today's market challenges conventional wisdom: "Don't wait too long to buy that home, because once rates come down, prices go up." She reminds listeners that mortgages aren't permanent commitments - "we can always refinance that rate once they come down."

Ready to explore your options without pressure or judgment? Connect with someone who sees beyond numbers to the person behind them. Whether you're buying your first home or downsizing for retirement, Puja's approach offers clarity in a confusing market.

CrossCountry Mortgage / Wellmax Mortgage Team

Puja Romero

239-849-6886

9130 Galleria Court
Suite 101
Naples, FL 34109

puja@maxwellmortgageloans.com

crosscountrymortgage.com/maxwell-mortgage-team