You don't need to have 20 percent of the purchase price for your down payment. Nearly half of the buyers today put down less than 10 percent!
Get your documents together early so your loan officer can get your pre-approval status secured. This gives you an accurate price range to look at, and strengthens your offer.
Don't overstretch your budget. Just because you are approved for a loan amount doesn't mean you should buy at that price point. Stay in a range that offers you monthly mortgage payments that won't keep you up at night!