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If you've been renting for what seems like an eternity, chances are you've thought about buying a house, but you dismiss the thought, dreading the embarrassment of being rejected for a loan. The goal of owning real estate seems elusive and many renters are too quick to dismiss the possibility of home ownership. The fear is so pervasive you'll even come across seasoned renters in their thirties and early forties who continue to avoid buying a property and continue to put up with the hassle of renting.

If you fall into the same trap of negative thinking, you need to rethink your beliefs about getting into your first home. Time and time again, renters who have reshaped their attitudes and priorities have overcome the obstacles to owning their first home. You too can join these successful renters and make your dream of homeownership a reality-if you're willing to commit your mind to it.

To start the process, you need to take an honest evaluation of yourself. Ask yourself what are the real underlying reasons you haven't taken advantage of homeownership? Have you consulted with a professional concerning your finances, compared your income and expenses to suggested guidelines, and reassessed every single expense to see if it's really necessary?

Many renters fail to take the initiative to educate themselves on the subject of home buying. Have you taken the time to visit your local bookstore or research online real estate sites to find information on what steps are required to qualify and purchase a home? Attending lectures or courses on purchasing a home are also valuable.

Consulting with a seasoned loan agent and knowledgeable realtor can educate you on what's needed to get you qualified for a mortgage. They can also give you a general idea of what price range you can shop for and get you prequalified for a loan. Have you taken the time to seriously talk with these real estate professionals?

If your finances won't qualify you for traditional financing, explore other creative financing options to buy your home. Invest some time locating owner-will-carry sellers who are willing to help you purchase their home. This option provides greater flexibility of terms and saves you lots of money compared to a traditional lender. How many owner-will-carry sellers have you contacted?

Search through real estate and home builder ads in your local advertising media and see if you can locate sellers in financial distress or have an urgent need to relocate. These sellers make great candidates for flexible financing. How many ads have you reviewed?

When you honestly ask yourself these questions, it may come as a surprise that the real cause preventing you from home ownership was lack of motivation. If you had simply exerted more effort into buying a home, you could be living in your new home today.

If you want to make your dream of home ownership a reality, make the effort to learn as much as you can about the process of buying a home, reevaluate your monthly budget, and strive to buy your home within a designated period. Challenge yourself to eliminate any negative excuses that will deter you from owning a home. There's no reason why you can't start on your goal now!

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