There seems to be a persistent misconception that people need perfect credit or a huge downpayment to buy a home. In reality, the short answer is that it depends on each individual, but many people are successfully able to make it happen. To provide some clarity as to the truth of the matter, we went directly to the source and brought in Alex Rivera, Vice President and Mortgage Banker at Jersey Mortgage. He shared with us some fantastic insights about today's process in getting a mortgage and how you can be best prepared. If you're considering purchasing or refinancing a home in the near future, this is worth watching!