Do You Really Need 20% Down to Buy a Home? A Lender Tells the Truth

Think you need 20% down to buy a home? Think again. On this episode of Live.Laugh.Lunch&Learn, Lindsey Benton sits down with Shelby Parkhill of Canvas Credit Union to break down the biggest myths around down payments, private mortgage insurance, and first-time homebuyer programs. Shelby walks through Canvas Credit Union's Hero Program for teachers, nurses, EMTs, and firefighters; the CHFA Homes to School program for public school employees; medical professional loans with zero percent down; and the 100% Home program with no down payment required. They also cover how the Fed rate actually affects mortgage rates, when to start talking to a lender, and Shelby's number one tip every buyer should know: freeze your credit. Whether you're a first-time home buyer in Denver or just want to understand your options before you buy, this conversation is packed with practical, real-talk insight. Catch us live every Thursday at noon Mountain Time here: https://riverside.com/studio/live-lau... Live.Laugh.Lunch&Learn | Knowledge is power, and we're sharing. #livelaughlunchandlearn #realestate #firsttimehomebuyer #denverrealestate #mortgagetips