It's not hard to buy a home in many cases, it's just that some people suffer from misunderstandings because of the complicated nature of home purchases, one expert says.
Those who want to own may think it takes an excellent credit score or a big down payment or that it's just cheaper to rent, but that stuff often is just plain not true.
Bankrate home market analyst Jeff Ostrowski says first time homebuyers especially should understand that there are great ways to home ownership.
"The good news for first time home buyers is that it's quite possible to get a mortgage if your credit score is below 760 -- even if it's below 700 -- and it's also possible to get a mortgage at ten-precent down, five-percent down too."
But if that's not surprising enough, Ostrowski says there are other mortgage myths that can be discarded.
"You can get a Federal Housing Administration loan backed by the FHA and you can put down just three-and-a-half-percent to get started.
"If you're a veteran or service member you can get a VA loan with nothing down," he adds.
It's a variable thing, though, to say that it's cheaper to rent -- that's true today, partially because the price of homes is at the highest they've ever been in some areas and very close to the highest ever in others.
But he says it is cheaper to rent today.
"In the short term, if you're just looking at monthly payments, then yes, you can probably rent a place in most markets for less than you can buy a home."
That's also partially because home rental prices are dropping while the cost of buying remains high, it's just important to keep in mind that it won't always be true, it's just hard to predict when buying will be cheaper again, but it looks to be sooner rather than later.