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

Page: https://stenobird.com/podcast/yo-quiero-dinero-245869/you-re-more-ready-to-buy-a-home-than-you-think-with-josie-white-of-chase-home-lending
Text version: https://stenobird.com/podcast/yo-quiero-dinero-245869/you-re-more-ready-to-buy-a-home-than-you-think-with-josie-white-of-chase-home-lending.md
Podcast: [Yo Quiero Dinero](https://stenobird.com/podcast/yo-quiero-dinero-245869)
Published: 2026-03-30T05:00:00+00:00
Episode link: https://yoquierodineropodcast.com/
Audio file: https://sphinx.acast.com/p/open/s/61df3c8f051a2f001272041d/e/69c2f76d034bb238fb14766c/media.mp3
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Duration seconds: 2038

## Resource

¡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 - What If I Don't Have 20% Down? Your Real Options 09:04 - Pre-Qualification vs. Pre-Approval: What's the Difference? 11:16 - Buy Based on Your Current Finances, Not What You Hope For 12:16 - How Chase Helps Buyers Who Feel Intimidated By the Process 14:29 - DreaMaker Mortgage and Low-to-Moderate Income Lending Programs 15:51 - The Free Credit Journey Tool and the Perfect Credit Score Myth 17:10 - A Cautionary Tale for Self-Employed Buyers 19:13 - Fixed Rate vs. Adjustable Rate Mortgages Explained 21:05 - FHA vs. VA vs. Conventional Loans: What's the Difference? 23:13 - How Jannese's Dad Bought…

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