The number one rule: pay your bills on time. There is no single element that can do so dramatic impact on the success of an application as your credit history. Another thing, of course, is savings. You should establish a good disciplined savings habit. Although there are a lot of programs right now that do not require downpayment anymore, you are still required to have some money for closing cost and reserves.

Everybody comes into the real estate market with a different perspective and level of experience. But some general rules apply to pretty much anybody when it comes to getting the money to buy a home. So here are some of the do