Many people have goals of becoming a home owner, and there are a lot of steps to becoming one.  First you need to make sure that you can afford a loan and you should find a lender that will work with you.  There are many loans on the market that are specifically designed to help people save money.  If you are a veteran, then you should know about VA home loans.  The loans are very affordable and they will save you money.  Search today for a lender that specializes in these types of loans and call them and ask them how you can apply for a VA home loan.