As James say the financial world is changing and what works today is not necessary what will work tomorrow. But most definitely try to land a job in your field, along with your schooling, this will help with the lenders work history requirements. Pay everything on time and open some credit lines as soon as you can. It is also important to use those credit lines to build credit, just try to only use what you can pay off in any given month. Lenders like to see at least 3 open and active credit lines. Save money for down payment and closing cost. A good loan is an FHA with minimal down payment requirements, but there are still closing costs to pay, which can vary from lender to lender. Check on the FHA website for more information. You can probably find a lot of good info on the FHA website that will help you plan for you financing. Check with local lenders for down payment assistance programs when you are ready. Don't be afraid to call for help and questions. No one will charge you for a question and most people will be extremely helpful and of course you are under no obligation to work with anyone until you are ready. good luck.