Featured Image If you dream of owning your own home someday, it’s never too early to start planning. When you will be able to purchase the home, where it will be located, and what it will look like will depend largely on your qualifications for a mortgage. The down payment you accumulate and your debt to income ratio will affect the amount of money you can borrow. To speak with a counselor, call toll-free 888-456-2227 and press option 2. Monday–Thursday 7:30 AM–6 PM, Friday 7:30 AM–5 PM, Saturday 9 AM–2 PM (Pacific Time) Monday–Thursday 10:30 AM–9 PM, Friday 10:30 AM–8 PM, Saturday 12 PM–5 PM (Eastern Time)