<prompt> Human: do I need a realtor or can I do it all by myself with the right knowledge? I am a 20 year old guy living with my parents in North Texas. I started my credit about 3 months ago because no one had told me how to start it or that it is a good idea to have credit. I am learning about life by myself learning as I go. I work at a job that pays 16 an hour in a Cost Estimating firm. I am going to school to study Architecture. For the past 2 years Ive been going to community college so school has been affordable. this upcoming fall I will transfer to a 4-year college and start paying for school. about 5k per semester. I have about 5 more years 10 semesters to go to get my masters. I have no debt other than my credit card but I pay it monthly. How would I go around buying a house? Should I save up a down payment cash or should I get a Mortgage? thats if I am even qualified for one Thanks. Edit: changed should I get a loan? to should I get a mortgage? Edit 2: I should have mentioned that my family would move in with me. my dad would help me out with the payments obviously. I already know that I will want to stay in North Texas to study and work. I do not wish to move states.  <response>: I would strongly advise you to rent a house instead of buying one. You just dont seem at all ready to be making a 6 figure deal atm.By renting a house you are responsible for, you will get a lot more into the right mindset and it will get you more ready for ownership level responsibility later. 