As part of the continuing Fact vs. Fiction series, Nicole talks about the facts and fiction of home loans. Listen to this 7-minute episode, play again until it sticks.

A preview:

Fact 1 - call your lender first
Fiction 1 - assume the best loan for them is with 20% down or minimum down.
Fact 2 - you have the power to affect your monthly payment.
Fiction 2 - renting is not more cost-effective unless you are only looking at the immediate short term. 
You want to pay your OWN mortgage, not your landlord's.
Fiction 3 - getting a home loan isn't possible unless everything is lined up or perfect.