If you are twenty-something years old, and you are thinking about buying your own place, this book is for you. Purchasing your first property can be exciting and stressful at the same time. When you decide to become a homeowner, there are many things to consider and to take care of. This guide introduces you to the world of mortgage and covers questions such as “How to qualify for a mortgage”, “Can you really afford it”, “Adjustable-rate mortgage versus fixed-rate mortgage” and many other important subjects. Do you wonder how much of down payment will you need? Can you really afford to buy your own place? Will you qualify for a mortgage? What your bank is looking at when assessing you as a borrower? Find out the answers to these questions and much more. Also get to know how to make the best out of having a mortgage and pay it off sooner. You have found this book at the right time, even if you are not ready to buy a house yet; with the necessary information at your hands you can start working on the goal of becoming a homeowner.