Looking back, it seemed like the people around me knew more than me. Now that I have been through the home buying process, I realize that they did not know how to purchase a home. They just did not face the hardships I had so they did not have the difficulty I had. Good credit, a healthy savings account and middle-class income is not everyone's situation. My situation is more common among people that rent for life or never move out of their family's home. I did not know what I did not know, and it should not have taken all those years to figure it out. If you are like me, this book is for you.