You can probably make up lots of examples of 80-20 rule that apply to your own ways of cleaning house and of keeping things picked up. Perhaps eighty percent of dirty dishes left lying around come from one person. Perhaps eighty percent of your frustration with how your house looks could be solved by doing twenty percent of what you think you should.

3. At least 3 years of stable employment.

This needs to be verified on paper by your employer preferably or some form of financial statements. The employer is much better in most cases.

Finally. You must be able to carry large monthly payments.

Without a down payment, obviously lenders and bank want to make sure you can handle obligation of larger payments, The monthly payments may increase from a few to several hundred more a month but you can buy several styles of home.

This is program in detail it is widely known and used by almost all banking institutions for greater details or understanding I highly suggest you go to your local bank and have a sit down with your financial advisor, someone you know and trust.

So in a nutshell, if down payment is current problem, it may no longer be with this program. You no longer need to pay your landlords mortgage, you can immediately get into a home with this program if you qualify.

And again, sorry to repeat myself but go and make an appointment to review this option with your realtor or banker or both. It's worth taking a look at.

And always ask about mortgage leads...this will get ball moving a little faster.

Now go get that house