First stage: Educative Plantate these questions: Really, you want to have own house? The answer is very important since to buy house it requires Money, Time and much Energy. The second question is: you will be able to confront the total expenses that it requires to buy a house? stos are: Initial payment, Expenses of Closing, Costs of organizing itself in the new house, monthly Budget of the payments of the mortgage, Insurances and first of all the Taxes! For ayudarte in these answers, you must analyze: Which are your present debts? Your income and your debits How you have your file of credit. and if your work is stable. In addition it is very important that you become qualified suitably to obtain data, or in seminaries of Education of house, or by other means, because it is important to know that: An informed buyer is a happy proprietor! The second phase is: The Search of Hipoteca Initially, we applied to a Loan with Commercial banks, Financial Companies or of Mortgages, Associations of Saving, etc. We must carefully plan the first interview with the Official of Loans, to make a questionnaire with all the doubts, because once made the decision, he will be more complicated to revert it and to have at the hand the following documents, that are basic and that will help to make agile the loan: W-2 form of last the 2 years. Supporting of payment of the last month, or test of the Income (if you work by your account), Been your banking account of last the 2 months, Report of Debts, Credit cards, etc. You will need to demonstrate that you can confront with correction a credit, reason why, if your really you want to buy your house, you must have a correct trajectory, that is to say, will be important that you demonstrate that iron gates your accounts in time: rent, water, light, gas, telephone, cellular, car, insurance, card and any other debt that your you contract.