Real estate is one of the biggest financial decisions you’ll ever make — so it’s no surprise that buyers and sellers come across a lot of “advice.” The problem? Much of what circulates online or through word-of-mouth is outdated, inaccurate, or simply not true for today’s Arizona market.

As someone who guides clients through Gilbert, Chandler, Mesa, Queen Creek, Scottsdale, Phoenix, and Paradise Valley, I see the same myths hold people back from making confident, informed decisions.

Let’s clear up the most common misconceptions so you can move forward with clarity.

MYTH #1: “You need a perfect credit score to buy a home.”

TRUTH: Many buyers qualify with scores far below what they expect.

Arizona lenders offer a variety of programs designed for first-time and repeat buyers. FHA, VA, and certain down payment assistance options allow for flexible credit requirements.

💡 Denise’s Insight: “The biggest mistake is assuming you won’t qualify. A quick conversation with a lender gives you real clarity.”

MYTH #2: “It’s always cheaper to rent than buy.”

TRUTH: In many parts of Arizona, buying can be more affordable long-term.

With competitive interest rates and steady home value growth in areas like Gilbert, Queen Creek, and Chandler, owning a home often stabilizes your monthly payments and builds equity.

Rent increases — mortgage payments do not.

MYTH #3: “You should wait for the perfect market before buying or selling.”

TRUTH: There is no perfect market — only the right timing for your goals.

Market conditions shift throughout the year, and waiting for a dramatic price drop or rate change can lead to missed opportunities. What matters is your finances, your timeline, and your long-term plans.

I help you make smart decisions based on current data and your personal goals.

MYTH #4: “All renovations add value.”

TRUTH: Only selective, strategic updates actually impact resale value.

High-cost upgrades rarely return the full investment. Instead, buyers value:

• Clean, modern flooring

• Fresh interior paint

• Updated fixtures

• Well-maintained systems

If you’re planning to sell, you don’t need a full remodel — just smart, targeted improvements.

MYTH #5: “Selling as-is means you won’t get strong offers.”

TRUTH: Many buyers look for homes they can personalize.

As long as your home is priced accurately and well-presented, as-is properties can perform extremely well — especially in high-demand areas like Mesa, Chandler, and parts of Phoenix.

MYTH #6: “You don’t need an agent — everything is online.”

TRUTH: Data is helpful, but strategy and negotiation require experience.

Online listings can show you homes.
Online calculators can estimate payments.

But only a skilled professional can:

• Evaluate real market value

• Structure strong offers

• Navigate Arizona contracts

• Protect your interests

• Handle negotiations

• Spot issues before they become costly

Real estate is more than information — it’s strategy.

MYTH #7: “You must put 20% down to buy a home.”

TRUTH: Many Arizona buyers purchase with little to no money down.

Down payment assistance programs, grants, and flexible loan options make homeownership accessible to more buyers than ever.

This is especially true in first-time buyer–friendly markets like Gilbert, Mesa, and Queen Creek.

FAQs: Real Estate Myths, Buyer Concerns & Seller Misconceptions

Q: Should I wait for interest rates to drop before buying?
A: Not necessarily. You can always refinance later — but you can’t get back the time you spent waiting.

Q: Is it true that spring is the only time to sell?
A: No. Arizona sees strong activity year-round due to job growth and relocation trends.

Q: Do cosmetic updates matter?
A: Small, clean, neutral updates often make a bigger impact than expensive renovations.

Q: Do I need a large budget to compete?
A: No. Strategy often matters more than budget. I help buyers structure strong, realistic offers.

Q: Will I lose money selling without renovating?
A: Not if the home is priced correctly. Many sellers choose light prep only.

Why This Matters

You deserve decisions based on facts — not fear, assumptions, or outdated advice. With the right information and a strategic plan, buying or selling in today’s market becomes far more straightforward.

My goal is to guide you through every step with clarity, communication, and confidence.

Thinking About Buying or Selling in the Phoenix Metro Area?

Let’s talk through your goals and create a plan that moves you forward with certainty — not myths.

📞 480-980-4400
📧 [email protected]
🌐 www.denisehurd.com

Your next move can be your best move.