Even in today's recession economy, the American dream of homeownership has not faded. Young professionals, newlyweds and families are simply finding alternative ways to achieve their home loans and homeownership. The best way to go about it is to save for a substantial down payment and have outstanding credit to help with the interest rate of the home loan. But many home seekers are not able to save the way they once could in order to make that substantial down payment. And many home seekers have had to make sacrifices with their credit lines in order to keep up payments on their monthly bills and to survive the cost of living in their area.