You're More Ready to Buy a Home Than You Think with Josie White of Chase Home Lending

About this episode

Jannese Torres interviews Josie White about the realities of buying a home and debunking common myths in the mortgage process.

¡Hola mi gente! If buying a home has felt like a dream that wasn't built for people like you — this episode is going to change that. Today I'm sitting down with Josie White, Home Lending Advisor at Chase Home Lending, who has spent 15 years helping people navigate the mortgage process and 30 years in banking. She's bilingual, she's been in the trenches with buyers at every income level, and she is here to tell you the truth about what it actually takes to buy a home in 2026. We're busting the biggest myths: the 20% down payment (nope, not required), the "perfect credit score" (also not required), and the idea that being self-employed or having limited savings means it's not possible for you (also not true — with some asterisks). WE GET INTO:  00:00 - Intro: Homeownership for First-Gen Latinos (Sponsored by Chase Home Lending) 01:44 - Josie's Role at Chase and 15 Years in Home Lending 02:47 - How Today's Buyers Are Different From Your Parents' Generation 04:12 - Jannese's Real Estate Journey: From One Property to Two (and Counting) 05:19 - The Biggest Mistake Buyers Make: Don't Assume Before You Ask 06:38 - What You Actually Need to Know About Qualifying for a Mortgage 07:59…

People in this episode

Host: Jannese Torres

Guest: Josie White

Topics covered

• home buying
• mortgage process
• first-time homebuyers
• financial advice
• real estate myths

Keywords

• homeownership
• mortgage
• down payment
• credit score
• self-employed
• pre-qualification
• real estate

Sponsors

Chase Home Lending

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