Even with new programs geared at helping first-time and low-income borrowers get into a home; preparing your finances to qualify for a mortgage can seem like a daunting task for some. Despite needing to come up with as little as 3% down in some cases, on a $300,000 home (quite average by today’s standards) that’s still $9,000 cash. With the rising costs of rent and living, many people are living paycheck to paycheck already; so how do you get on the path to fulfilling the dream of home ownership? It’s not as hard as you may think. Here, we’ll explore some real-world options for getting a handle on your finances and discuss practical ways to start saving for your future.