If you answer “YES” to the following questions, you are probably ready to buy a home:

1.  Do you have a steady, reliable income?
      In other words, have you been employed on a regular basis for the last 2
      years and do you expect to maintain employment?

2.  Do you have a good record of paying your bills?
       Have you made regular, on-time payments?  If not, read on; there is still
       hope!

3.  Do you have money saved up for a down payment and closing
      costs?
      Many home buyers think that a down payment of 20% is needed. 
      IT’S NOT.  Many loans exist today that allow buyers to put down 10%
      to as little as 3.5% on the purchase of a home.  So, don’t give up just
      because you cannot come up with 20% down.

4.  Do you have the ability each month to pay the mortgage as
      as well as additional costs that go along with home ownership,
      such as taxes, insurance, and maintenance?