Here is some advice
Open a separate savings account just for down payment and closing costs. (Do not ever take from it)
Start with one percent of your take home pay every payday. (If your net is $400, transfer $4 to savings)
When you get in the habit and see how easy that is go up to 2% each payday. (keep building your saving muscles)
Clean up and keep your credit squeaky clean
Got credit cards—Pay off highest rates first while paying minimum on the others
Don’t be late for work, dinner, your kids sports activities or any payments. (late means you don’t care)
A late car payment will ruin your credit (yes one day late)
Can you borrow closing costs from parents?
Rates will go up and prices will go up.
That’s all I got for now
Shoot me an email—Let me know how you are doing