Homeownership is a proven key to financial stability; for most families, it is the majority of the wealth they will pass on to their children. But the opportunity to own a home is slipping away for many. Now is the time for Americans to learn about the tools and tricks that affordable mortgage professionals have known about for years - so that more families can pursue the American dream of homeownership. This book will teach consumers how to responsibly and strategically bring as little as possible to the closing table while setting themselves and their families up for long-term success.