Make the saving

automatic. Sticking to a budget is difficult because of the temptation

to purchase items that provide immediate gratification. It may be easier

for you to have a portion of your paycheck automatically deposited into

a savings or investment account. Many employers that offer direct deposit

also provide the option to allocate funds to more than one account.

Maximize the

return on your savings. Consider depositing your down payment savings

in a short-term investment fund with the potential for a higher rate of

return than a savings account, such as stocks, bonds or mutual funds.

This may help your down payment fund grow faster. In addition, an investment

fund is not as easily accessible as a savings account, which may help

prevent impulse spending.

Save tax returns

and bonuses. It is tempting to go on a shopping spree when you receive

a tax return, a large commission or a bonus. However, applying tax returns

and bonuses to your down payment fund will give you a significant boost

and many help you become a home owner much faster.

Visit with

a lender or a financial advisor. Many potential home buyers are surprised

to learn that saving money is just one way to acquire funds for a down

payment. Home buyers may be eligible for other sources of down payment

funds, such as local down payment assistance programs. Home buyers may

also be able to tap their 401(K) for down payment funds. A home mortgage

consultant can help you learn more about these options.

"Saving

for a home takes discipline, but the reward of home ownership is definitely

worth the work," said Douglas. "If you can follow a few of these

tips, you'll be off to a good start."

For more information

on mortgage products and services, visit Wells Fargo Home Mortgage on

the Internet at www.wellsfargo.com of call (800) 222-3408 for information

on the branch in your area.

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