Heard someone say you need 20% down to buy a home? Or is spring the only season worth selling in? If you’ve been thinking about buying or selling in Camp Hill, PA, chances are you’ve come across advice that sounds confident but doesn’t hold up. At Smith Top Team Realtors, we’ve been helping families navigate the market for years, and we’ve seen how real estate myths can slow people down or send them in the wrong direction. Let’s talk about the ones we hear all the time.

Myth 1: You Must Have a 20% Down Payment

Many buyers believe they’re not ready until they’ve saved a full 20 percent. That’s not true. Most buyers qualify with 3 to 5 percent down, depending on the loan program. Waiting too long to save more can cost you time and opportunities. The best approach is to talk to real estate professionals and a lender early to explore what’s possible for your budget.

Myth 2: Spring Is the Only Time to Sell

Yes, spring brings activity, but it’s not the only time homes move. People relocate, downsize, and upgrade all year long. Serious buyers are out during every season in Camp Hill, PA, and less competition during the fall or winter can actually work in your favor. As experienced realtors, we’ve seen sellers get great results all throughout the year.

Myth 3: Price High and Wait for Negotiation

Starting with a high asking price and planning to drop later sounds smart, but it can backfire. Listings that sit for too long lose momentum and can be overlooked completely. We help sellers find the right price from the start, attracting real interest and stronger offers faster. Smart pricing backed by market data makes a bigger difference than wishful thinking.

Myth 4: All Agents Do the Same Job

The right agent can make or break your experience. From smart strategy to handling tight deadlines, experienced agents know how to protect your interests at every step. We’re proud to be known as experienced real estate agents in Camp Hill, PA, who offer personalized service, not cookie-cutter checklists. Choosing an agent should be based on trust, not just convenience.

Myth 5: You Don’t Need an Agent Anymore

Just because you can browse listings online doesn’t mean you’re ready to navigate a real estate transaction alone. A good agent brings negotiation skills, contract knowledge, and access to listings, but the timing of the internet can’t match. Local real estate agents in Camp Hill, PA, know the neighborhood details, current pricing trends, and what to look out for during inspections or offers.

Myth 6: You Can Figure It Out as You Go

This mindset leads to avoidable delays and regrets. Between financing steps, inspections, appraisals, timelines, and moving parts, real estate moves quickly and with a lot of pressure. Having a clear plan makes a huge difference. That’s where we come in.

We’ll Always Give You the Real Story

We’re not in the business of repeating real estate myths. At Smith Top Team Realtors, we offer clear guidance based on real-world experience in the real estate market. Whether you’re buying, selling, or just looking for answers, we’re here to help.

Contact us now to work with a team that gives it to you straight and supports you through every step.