The key to buying a house is to have a great plan to pay off that house as soon as possible. When you buy a house, you are going to find a realtor, a mortgage broker, lawyer and someone to inspect the house. After you spend weeks, and sometimes even months finding that perfect house, you are going to finally sit down and sign the papers to make that house officially yours to keep. Now when you first buy a house and you take on a mortgage, you are paying off your interest first and principal later. So if you want to keep that beautiful house that you just invested all your time, hard work and money into, then you should make sure that your mortgage is affordable and that you are allowed to make more than the monthly payment on your mortgage so you can start paying off more principal then interest. By paying $50-$100 more on your mortgage a month, you can cut 5-6 years off the number of years that you will be paying on your house. Essentially you are saving about $15,000-$25,000! Make sure that you keep track of what you pay and that you tell your bank you want the extra money you are paying to go to the principal and not the interest.