I believe that everyone should own a home of their own and that everyone can own a home of their own with proper planning. The question is when. Is it this year or some point down the road? This post will help answer that question.

One decision factor that does not come into play is the condition of the current market. Really, it doesn’t matter. When your personal situation lines up in favor of buying, it is time to make the move. Homes are not stocks – short term investments that may be traded weeks or months after a purchase. The hold time for a home needs to be years. During that time the market may go up and the market may go down. It is confidence in the long term market one needs to consider, not a guess as to what will happen in the next year or two. So the first question one needs to answer is…..