3 Costly Homebuyer Myths That Can Derail Your Budget

What are some of the biggest mistakes buyers make when buying a home?

Many buyers unknowingly fall for myths that cost them time, money, and opportunities. Here are three of the most common — and expensive — misconceptions to avoid.

Myth #1: "I’ll Get a Better Deal If I Call the Listing Agent Directly"

It might seem logical to go straight to the listing agent, thinking it will streamline the process or save money. But here’s the truth: The listing agent represents the seller — not you.

Their responsibility is to get the best outcome for the seller, which may not align with your best interests. When you hire your own real estate agent, you gain an advocate who negotiates on your behalf, protects your financial interests, and guides you through each step of the transaction.

Having a buyer’s agent isn’t just about loyalty — it’s about strategy.

Myth #2: "I Don’t Need Pre-Approval Until I Find the Right House"

Waiting to get pre-approved until you find a home you love is like showing up to a race without running shoes. Pre-approval isn’t just a box to check — it’s a crucial part of your homebuying strategy.

Here’s what pre-approval really does for you:

  • Helps you understand your full monthly payment with taxes and insurance

  • Clarifies your true budget so you shop in the right price range

  • Strengthens your offer in competitive markets

Without pre-approval, you risk falling in love with a home you can’t confidently pursue — or missing it altogether.

Myth #3: "New Construction Doesn’t Require a Buyer’s Agent"

That friendly agent in the model home? They work for the builder.

Their job is to represent the builder’s interests — not yours. Bringing your own buyer’s agent ensures you have someone on your side to:

  • Evaluate upgrades and finishes for value and resale potential

  • Review builder contracts and timelines

  • Guide you through inspections and construction phases

  • Help you decide where to spend now vs. what can wait

Even with new builds, buyer representation is essential — and often costs you nothing.

The Real Truth: Good Guidance Pays Off

There’s a lot of noise out there when it comes to buying a home. That’s why working with a trusted, experienced real estate team matters more than ever.

At Lauren Zurilla & Associates, we help Charleston-area buyers navigate the market with clarity, confidence, and zero pressure. Whether you’re ready to buy now or planning for later, we’ll help you avoid costly mistakes and make informed decisions.

Ready to Buy Smarter?

Schedule your buyer consultation with Lauren Zurilla & Associates today. Let’s create a plan that protects your investment and gets you home with confidence.

Warmly,

Lauren, Tina and Gigi | Lauren Zurilla & Associates

P.S. - Follow us on socials @laurenzurillarealestate and subscribe to our YouTube channel @livingincharlestoncountysc to stay up to date on all things real estate!

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