I’m planning on moving in April. I decided I want to get into the housing market now, while everything is on sale. I don’t have a down payment. I currently pay 50 a month for rent, so I figure if I shoot for a 0 a month payment, that will compensate for some home expenses without affecting my budget. I’m considering "lease to own," but would rather just own. A piggyback loan might be an option, but it appears those are being phased out because of the mortgage crisis. I’m looking in the 0-150k price range. I want mortgage insurance, down payment, property taxes and everything else rolled into the loan. I keep Googling for information, but it seems like a never ending circle. Taking out a loan of this size is too important to just randomly pick a company who has a nice ad online. I also want to make sure I don’t get screwed over by high interest rates or other fees, that ultimately cause more problems than it’s worth. Anyone have some good advice? Would a mortgage consultant be a good idea? What about just finding a realtor and seeing what can be done? This is my first home attempt, so please be kind!