I am constantly hearing from this group saying builders and the government is not doing enough to help them gain access into the housing market. It has nothing to do with the builders or the government. It is about 3 things: Obtain a fair paying job and stay with this job for a couple of years, every lender is looking for some type of employment stability. Save your money and keep it in the bank, have it ready for the down payment to buy your home,at least 10% of the purchase price. Pay your bills on time and on a consistent basis, good credit is a requirement. Be aware the price of real estate is what a person will pay for it. This is a competitive marker and the best and well prepared will come out owning. Stop complaining and get busy.