One of the many dreams and aspirations for most Americans is to one day own their own home. Unfortunately, this dream may never become a reality for some. The basic reason is what we call the affordability factor. Most college grads today are immediately saddled with the huge financial burden of tuition loans. Next, the automobile industry has made it easy for young people to lease a car rather than buying one which adds just another financial obligation. Even after securing a good job, the ability to take on more debt with a mortgage leaves them very frustrated. To compound this, the local rental market for housing is very scarce and expensive. Like anything else in life, the better prepared you are the more likely you will achieve your goals. Start with a forced savings plan. No matter how much you earn, a small portion of it should automatically be going for savings. Next, talk to an experienced financial advisor or mortgage broker who will be able to predetermine what you will need to do to get prequalified. You now have the foundation for creating a plan on how and when you can take that next step. If you know an experienced local Real Estate agent, tell them your plans and share your dreams. That’s what they do everyday. Not only will a home likely be the largest purchase of your life, it will be where you will spend most of your time. It will be your place of refuge from a world of work and stress. It may be a place where you will start and raise a family.