Step Two:  Build a credit history if you don't have any credit history or you have one but it is too light use these tips to build it up.

Step Three:  Credit Score not 620 or above?  Get it cleaned up, or you may be offered a sub prime loan with a high interest rate and fees.

Step Four:  Save Up Some Money.  Moving into a Home is Expensive (Lots of trips to Home Store).  More info on making a budget