-    How much savings (apart from my down payment amount) will I need to have for renovations for the bank to finance a fixer upper property?
-    Their limited income coupled with their lack of knowledge of what they will have to regularly spend in owning a home.  This includes electricity bills, maintenance, etc.
-    Considering a home outside the city that’s less expensive and more desirable but much more of a strain on their aging car plus extra mileage means more money spent on gas plus less time with their family

Financial History Issues

-    My credit score could be higher.  What can I do to improve it?
-    Concern over outstanding debt (student loans, credit cards, line of credit) preventing them from affording a satisfactory home
-    Where do I get my credit report?  What is my credit score?
-    There are errors and omissions on my credit report.  What can I do about this?
-    Is there more than one credit reporting agency?

Government/Tax Issues

-    How does owning a home help my income tax?
-    Are there any government programs that assist first time buyers with grants or subsidies?
-    Should I be looking at buying a home from a Property Tax auction?
-    What purchases made during home ownership can be written off?

Stability Concerns

-    not knowing if their job will require them to relocate to another city in the near future
-    concerns about job stability and their ability to consistently pay their mortgage in full and on time
-    I want to live with boyfriend/girlfriend in my new house but have never lived with them before.  If my partner and I split up, what happens then?
-    If my partner and I get married, does this improve our standing with the bank?  Does marriage have tax advantages?
-    Is X area the kind of place you want to raise a family in?

Market Concerns

-    they perceive home prices to be high but falling and therefore waiting might get them a much better deal.  This concern will be especially pervasive in overdeveloped areas of the US and where lots of home owners are still expected to foreclose when their monthly payments are set to increase
-    what will happen with mortgage rates?  will mortgage rates go up or come down?  Should they get a fixed or variable interest rate?
-    How much will their home appreciate over the next 5 years?  Will it allow them to re-finance and make a significant dent to their mortgage?