Buy sooner or later?We are looking to buy our first home in the next year or two. Our original plan was to buy in the Spring of 2015 but with mortgage rates picking up again, we don't want to miss out on a good deal. Should we buy with only 8-10% down in Spring of 2014 or wait til 2015 and buy with 15-20% down?Background info:Household income: $110kDesired location: Bergen County, NJFICO: 760 and 800No debt (paid off student loans this year)September 17 2013 - Dumont00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.