<prompt> Human: Where do I even start? Some people are telling me to go to my local credit union and others are saying to just talk to a realtor. Currently do not have a current account with the credit union just a normal bank.Assistant: Need more information.1. How much money do you have for down payment closing costs?2. What price range house are you looking to buy?3. What is your income?4. Why dont you have an account with the credit union?5. When do you want to buy the house?Human: 1. 6k2. 75k-120k3. 19 an hour in addition to steady overtime. 4. Never went there. 5. This summer preferably  <response>: 6K honestly isnt gonna get you very far. You could qualify for an FHA loan with 3.5 down but closing costs are still pretty much a fixed cost no matter how much the house is and how much down payment you have. Downside of not putting 20 down is paying PMI as part of your mortgage payment. If you dont have it, you dont have it obviously. But unless theres a major rush to buy a house Id hold off until you have enough to put 20 down and have plenty extra for closing costs and reserves. Do you have any other debt currently, and are you current on all those accounts? Because thatll affect your ability to get a loan as well. Because I live in a more expensive area I was only able to put 5 down when I bought my house and as a result Ive been paying 250 a month in PMI every month since I bought it. PMI on a less costly house wouldnt be that much but its not a good use of money regardless the figure. But regardless it sounds like you need to do some further research so you understand how everything works and get your affairs in order and save more money. You dont need to have an account at a bank or credit union to get a mortgage. You can shop around for mortgages on your own, or through a mortgage broker. But you should familiarize yourself with what lenders are expecting to see prior to approving a loan. Debt to income ratio, credit history, employment history, verifiable income sources, etc. Its not a ton to know but you should have a good understanding of it before you go into it. I own 9 houses, 1 primary and 8 investment properties, and the buying process is pretty much the same across the board to me. But people that only buy 1 or 2 houses in their lifetimes chalk up the experience as one of the most unpleasant in life, due to the protracted and invasive nature of it. It routinely takes 60-90 days between finding a house you want to close, and even if you have all your documents in order and your credit score and finances are good its still a challenge to push through. So you you should definitely have all your affairs in order, ensure the down payment money has been in your bank for 90 days or if not then you have verifiable documents proving the source of the funds. And if you credit score could use work or you have lots of outstanding debt you should work on that first and foremost before you try to buy a house. Just some stuff to think about. 