One of the most difficult challenges for any first time homebuyer is where to begin. That generally starts with desire, most of us long for the day when we can call the place we live, “home”. It is not an easy task. However, it should start with a plan. Step one is to figure out if you can qualify for a mortgage. There are a number of ways to do this, my recommendation is to start with a mortgage broker, a licensed professional who represents many banks, and who is familiar with the various types of mortgages currently available. There is no cost for their services, as they are paid by whatever financial institute they will place the loan with. Currently, there are mortgages that are guaranteed by the government, where first time homebuyers can get a loan with little money down. I strongly advise against using online banking services, in my experience they have been problematic, you really need a professional person to talk to throughout this whole process. Once you have established an amount you can afford, you have taken the first major step in buying a house.