CHAPTER 1
Is It Time for You
to Buy a House?
Ym think ou want to buy a housc--a place of your own.
You re probabl，v excited and a bit nervous at tile prospect， espe-
cially itvou rc a first-time shopper. Is this the right time?
Mortgage interest rates sccm to jump around likc bunny rabbits.
Housinv markcts sccm to ，~o from hot to cool to ... well， hov s
a person cvcr to know the right nlolnent?
The right moment， in truth， depends almost entirely OH yO~-l.
1)on t tortuYc vomsclt trying to predict f uture trends. The time
to enter the h~msing market is when you decide you want to
buy a home and wlncn you estimate that you can afford the
cost. l~\" you feel drawn to make such a decision~and to analyze
your pc~rsona1 finances to that cnd--w)u probably have reached
a certain level of personal and financild stability. Almost certainly
you t~-cl secure in your job.You can see yourself staying in the
~amc place for scvc;al wars to come. Perhaps your family is get-
ring larger--or you hope it soon will be.
At dlc same tim< you ve discovered through experience and
rc~]cction that you xant the style of life that homeownership
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