"I think I'm ready to stop paying my landlord's mortgage and own my own home. I don't have any money saved, and my dad said I need to save at least 20% of the purchase price before I start. At one time that was true, but today, many times a down payment is just not necessary. I have programs that don't need a down payment, and others that will give you your down payment. If this is your situation, you need to schedule a free phone consult today with me at bookdave.com."