Saving for a down payment - a few pointers

So. You want to buy a house? Unfortunately, unless you're a US Armed Forces Veteran, the days of the $0 down mortgage are over. So for the rest of us that want to buy a house but don't have $40k lying around, there is the Federal Housing Administration. You can buy a house for as little as $100 dollars down, but usually the down payment is around 3.5%. 3 out of 4 houses in the US are actually cheaper to buy than rent when it comes to monthly payments. So what are you waiting for! Stop giving your money to a landlord!