Small, local banks have been heroes in helping American families purchase their own homes. Can they help home ownership happen for you? Chances are, that answer is, "Yes!"

To help you get started, we've collected the most valuable information about mortgages and home ownership that we could find -- and put it into an easy-to-follow format. Before you dive in, however, you should first decide what type of home you need.

The Home that's Right for You

When you think of buying a home, do you think of a cozy cottage with a garden? An airy downtown loft? A cabin in the woods? An estate with private entrance? A townhouse with no yard work? A place with lots of bedrooms near a good school? The possibilities are endless. How do you narrow down the choices?

The best way is to make two lists. On one list, write down the things your new home must have. On the other list, write down what wish your new home could have. Now you know the difference between your housing needs and your housing wants. And you have a much better idea of what type of house is most suitable for you.