When buying your first home there are a few things to consider, the main thing would be how are you going to pay for it and how much you can afford. With so many different mortgages and mortgage lenders it makes it difficult to figure out what route is really for you and which route is just the bank trying to get the most money out of you. Which is why if you know someone in a similar financial state you should always ask them how they paid or are paying of their home.