Work at paying off old debt, which can not only follow you but eat away at savings through high interest rates, instead of taking on more if you want to buy a house in the near future. Get educated. Go to every open house you see and read the real estate section in the paper. Treat it like a game. Walk in and start asking yourself questions, like â€œHow much down would I need to buy this property?â€ You can learn just by walking around and talking to people in the real estate business, including the different costs involved. These costs can include attorney fees, costs to record the [tag]mortgage[/tag], [tag]transfer taxes and brokerage fees[/tag].