Its perfectly normal to feel fear when thinking of buying a home- everyone who buys a home has fears so you're not alone! The key is to address the fear with Planning and Education and then move forward. As we say, you can't steer a parked car! Check out our classes at www.portlandhomebuying101.com to help you take fear off the table and move forward with confidence.
Having cash for a down payment is the biggest obstacle most first time buyers face so you are not alone! Here are some ideas for funds:
Or... ask your lender about zero down loan options.
Always talk to your trusted loan officer before making any of these decisions however as rules do apply!