Don't have enough money saved for a down payment? Take note: It may not be the problem you think it is!  Here are five tips that might make owning your dream home a reality.

Ask lenders about zero-down lending programs.
Call the banks and mortgage companies listed in the yellow pages and inquire about 100% financing options. Ask your real estate agent for referrals to lending institutions.  There aren't many, but a few still exist!

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. And while you're in the process of buying your home, DON'T make a huge purchase (such as a car)

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. Many lenders can set you up with the bond program - ask them for details and whether it will work for you.

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

Visit with the owners of the home you want to buy.
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 may carry the loan.