I've actually never got one myself, because I'm still at university. However, banks seem to be willing to lend up to 80% of the value of a house, for someone wi

I've actually never got one myself, because I'm still at university. However, banks seem to be willing to lend up to 80% of the value of a house, for someone with an average income. I suspect the biggest problem is simply that houses are very expensive compared to most of the USA. I'm flatting in a really crummy house (as in, cracks in the wall) on a quarter-acre section, yet the property is valued at $500,000.