Not enough money for a down payment? Don’t give up. It may not be the problem you think. Here are five tips that might make owning your dream home a reality.

Ask lenders about zero-down lending programs.
Ask your real estate agent for referrals to lending institutions.  Also ask your friends about their experiences and find a lender you feel comfortable with and discuss your options with them.

Maintain a good credit rating.
Zero-down loans typically require a satisfactory credit history. Get a copy of your credit report and check for inaccuracies. Resolve any problems as soon as possible.

Talk to your county’s housing department.
There may be federal or locally- backed financing programs with a zero-down option. Take advantage of these.

Check with your employer about financial assistance.
In some fields, like teaching or law enforcement, professional organizations offer financial assistance for home purchases.

Check with your agent.  Will the seller of the home you love be able to help?
Are they willing to carry the loan? Sometimes, if you commit to pay more than the asking price – or pay a higher interest rate – sellers carrying the loan won’t require a down payment.